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Shalini

Shalini Singh  |55 Answers  |Ask -

Dating Coach - Answered on Mar 09, 2023

Shalini Singh is the founder of andwemet, an online matchmaking service for urban Indians living in India and overseas. After graduating from college as a kindergarten teacher, Singh worked at various firms specialising in marketing strategy, digital marketing and public relations before finding her niche as an entrepreneur. In 2008, she founded Galvanise PR, an independent communications and public relations. In 2019, she launched andwemet.
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Micheal F Question by Micheal F on Mar 09, 2023Hindi
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Relationship

secret to a happy marriage

Ans: Secret which is not a secret to a happy relationship are the following (1) feel good about who you are. (2) invest in growth of the relationship with your partner (3) moving on, letting go of challenging episodes.

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Rishta

Rishta Guru  |7 Answers  |Ask -

Rishta Guru - Answered on Feb 12, 2024

Asked by Anonymous - Feb 12, 2024Hindi
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Relationship
There is news of so many celeb divorces in the news. Marriages are so much more challenging these days. What is the secret to a good relationship between a husband and wife? How to make sure a marriage is long lasting?
Ans: Hello.
I can understand your worry.
It’s important to remember that celebrities are humans like the rest of us and face their own problem. At the same time, do also remember that many celebrities have marriages that have lasted decades and continue to flourish.
As a couple, you can build a strong, lasting relationship through effort and commitment. While guaranteeing a marriage's longevity is impossible, there are certainly qualities and actions that contribute to healthier relationships.
1. Strong communication:
Be open and honest. Share your thoughts, feelings and needs with your partner and ask them to share with you as well.
Be respectful and empathetic when you listen to their perspective. Don’t interrupt. Don’t judge.
2. Healthy conflict resolution
Learn to disagree respectfully and constructively.
You may have read/heard this before but it is important that you remember this. During these kinds of conversations in particular, avoid blame, personal attacks and bringing up past issues. Seek solutions together rather than trying to ‘win’ arguments.
3. Be kind, be respectful. Appreciate what you partner does
Treat each other with kindness.
Acknowledge and appreciate each other's contributions to the relationship and express gratitude regularly.
Respect individual differences and boundaries. Allow space for each other's individual interests and pursuits.
Support each other's goals and dreams. Be each other's cheerleaders and encourage personal growth.
4. Quality time and intimacy:
Make time for each other as a couple doing something you both enjoy. This time does not include daily routines and responsibilities.
Nurture physical intimacy in ways that feel comfortable and fulfilling for both partners.
Maintain emotional intimacy by sharing experiences, vulnerabilities and dreams.
Try your best understand your partner’s emotional needs.
5. Shared values and goals
Have open and honest conversations about your core values and long-term goals.
Work together towards achieving shared goals and dreams. Support each other's individual goals as well, even if they differ slightly.
Be adaptable and willing to grow together. Life experiences and individual needs may change over time, so be prepared to adjust and support each other's evolution.
6. Professional help
Seek professional help from a therapist or counsellor if you're facing challenges in communication, conflict resolution or other areas of your relationship.
Therapy can provide a safe space to explore issues and develop healthier communication and coping skills.
Remember, every relationship is unique and what works for one couple might not work for another. The key is to nurture your relationship, communicate openly and honestly and be willing to adapt and grow together.
It's also important to acknowledge that, even with best efforts, challenges may arise and sometimes relationships end. If you find yourself struggling, remember that seeking professional help or ending a relationship that is no longer healthy can be positive steps towards personal growth and future happiness.
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Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |60 Answers  |Ask -

Physiotherapist - Answered on Apr 19, 2024

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Health
Hi Sir, My wife as sever pain in left foot at point where finger starts from foot. pain is like that some wound is there, but from outside its ok. could you please guide what can be cause for this and how to cure this. Thanks Sunil
Ans: Hello,

I'm sorry to hear about your wife's pain. The location you described, where the pain is at the point where the finger starts from the foot, could indeed be caused by various conditions such as corns or plantar fasciitis, as you mentioned.Corns are small areas of thickened skin that develop as a result of pressure or friction. They can cause pain and discomfort, especially when walking or wearing tight shoes. Plantar fasciitis, on the other hand, is inflammation of the thick band of tissue (plantar fascia) that runs across the bottom of the foot. It commonly causes stabbing pain near the heel or along the arch of the foot, but it can sometimes affect other areas of the foot as well.To determine the exact cause of your wife's pain and the best course of treatment, it would be advisable for her to visit a physiotherapist or a healthcare professional specializing in foot conditions. They can conduct a thorough examination, possibly including imaging tests if necessary, to make an accurate diagnosis and recommend appropriate treatment options. In the meantime, she can try some self-care measures to alleviate the pain, such as resting the foot, applying ice packs, wearing comfortable and supportive footwear, using over-the-counter pain relievers, and possibly using orthotic inserts or pads to reduce pressure on the affected area.I hope your wife finds relief soon.
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Vivek

Vivek Shah  |58 Answers  |Ask -

Financial Planner - Answered on Apr 19, 2024

Asked by Anonymous - Apr 18, 2024Hindi
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Money
I am 25 years old and investing 2k in quant small cap, 2k in Nippon small cap, 1k in parag Parikh flexi, 1k in Motilal Oswal midcap, 1k in HDFC mid cap. Is it good for long term like 30 years. Plz advice me
Ans: Hello,

Your portfolio seems to be well-diversified across different sectors and market caps, which is generally a good approach for long-term investing. Here are a few things to consider:

Performance History: Look at the historical performance of each mutual fund scheme over various time frames (1 year, 3 years, 5 years, and since inception). Compare it with relevant benchmarks and peer group averages to assess how well the fund has performed.

Fund Manager Experience: Evaluate the experience and track record of the fund manager. A skilled and experienced fund manager can significantly impact the performance of the fund.

Expense Ratio: Consider the expense ratio of each mutual fund scheme. Lower expense ratios mean more of your investment returns stay with you rather than being eaten up by fees.

Investment Strategy: Understand the investment strategy of each mutual fund scheme. Make sure it aligns with your risk tolerance, investment goals, and time horizon. For example, small-cap funds tend to be riskier but offer higher growth potential, while flexi-cap funds offer more flexibility in asset allocation.

Asset Allocation: Ensure that your overall portfolio is well-diversified across different asset classes, sectors, and market caps. Avoid overconcentration in any single fund or sector.

Risk Management: Assess the risk management practices of each mutual fund scheme. Look for funds with a disciplined approach to risk management and a focus on preserving capital during market downturns.
Fund House Reputation: Consider the reputation and credibility of the mutual fund house managing the scheme. A well-established and reputable fund house is more likely to have robust investment processes and governance standards.

Regular Review: Regularly review the performance and portfolio composition of each mutual fund scheme. Make adjustments to your portfolio as needed based on changes in your investment objectives, market conditions, and fund performance.
It's also a good idea to consult with a SEBI registered investment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to your needs.

It's also a good idea to consult with a SEBI registeredinvestment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to your needs.
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Vivek

Vivek Shah  |58 Answers  |Ask -

Financial Planner - Answered on Apr 19, 2024

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Money
Why continue investing through SIPs in a volatile market?
Ans: Hello,

Continuing to invest through SIPs (Systematic Investment Plans) in a volatile market can be a prudent strategy for several reasons, especially in the context of the Indian stock market:

Rupee Cost Averaging: SIPs allow investors to buy more units when prices are low and fewer units when prices are high. This averaging effect can potentially reduce the overall cost of investment over time, mitigating the impact of market volatility.
Disciplined Approach: SIPs encourage a disciplined approach to investing by automating the investment process. Investors commit to investing a fixed amount regularly, regardless of market conditions, which can help avoid emotional decision-making during periods of volatility.
Long-Term Focus: Investing through SIPs is ideal for investors with a long-term investment horizon. While short-term market fluctuations can be unsettling, they are often smoothed out over the long term. By staying invested through SIPs, investors can benefit from the compounding effect and the potential for higher returns over time.
Opportunity to Buy Low: Volatility in the market presents opportunities to buy quality stocks at discounted prices. SIP investors can take advantage of these market dips by continuing to invest regularly, potentially enhancing their portfolio's overall returns when the market rebounds.
Diversification Benefits: SIPs allow investors to spread their investments across different market segments and asset classes over time. This diversification can help reduce overall portfolio risk and enhance long-term returns, even in a volatile market environment.
However, it's essential for investors to review their investment objectives, risk tolerance, and financial goals periodically, and consult with a qualified financial advisor to ensure that SIPs align with their overall financial plan. Additionally, investors should be prepared for short-term fluctuations and exercise patience during periods of market volatility.
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Vivek

Vivek Shah  |58 Answers  |Ask -

Financial Planner - Answered on Apr 19, 2024

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Money
Hello sir, I have started SIP in motilal oswal Nasdaq 100 of 100 fund since last 6 months. Should I continue with this?
Ans: Hello Vaibhav,

Firstly, it's essential to assess your investment goals, risk tolerance, and the suitability of the investment in your portfolio. The Motilal Oswal Nasdaq 100 Fund offers exposure to some of the largest and most innovative companies listed on the Nasdaq Stock Market, providing an opportunity for diversification and potential growth.

Considering you've been investing in the fund for the past six months, it's a good start to evaluate its performance against your expectations and the broader market trends. While short-term fluctuations are common in the stock market, analyzing the fund's performance relative to its benchmark index and peers can offer valuable insights.

Additionally, review the fund's investment strategy, portfolio composition, and expense ratio to ensure they align with your investment objectives and risk profile. Regular monitoring of your investments is crucial to adapt to changing market conditions and make necessary adjustments to your portfolio.

Ultimately, the decision to continue with your SIP in the Motilal Oswal Nasdaq 100 Fund should be based on your long-term financial goals, investment horizon, and comfort level with market volatility. If the fund continues to meet your expectations and remains in line with your investment strategy, it may be prudent to stay invested.

However, if you have concerns about the fund's performance, changes in your financial situation, or shifts in your investment objectives, it's advisable to reassess your investment strategy and consult with a qualified financial advisor to explore alternative options.

Remember, investing is a journey that requires careful planning, patience, and periodic review. I encourage you to stay informed, stay focused on your goals, and make decisions that align with your financial aspirations.
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Moneywize

Moneywize   |93 Answers  |Ask -

Financial Planner - Answered on Apr 19, 2024

Asked by Anonymous - Apr 18, 2024Hindi
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Money
My brother purchased a piece of land in Assam in October 1983 which he gifted me by a deed in August 2010. I sold the same piece of land in March 2024. The stamp duty fair price is about Rs 1,40,00,000. Will this transaction attract Capital Gain Tax? How can I myself calculate the LTCG if such a situation presents itself?
Ans: Yes, in this scenario, you will likely incur capital gains tax when you sell the land.

Here's why:

• Gifts are exempt from receiving taxes: When your brother gifted you the land in 2010, you weren't liable to pay any tax on receiving it.
• Tax on sale of gifted property: However, when you sell the property you received as a gift, capital gains tax applies to the profit earned on the sale.

Calculating Long Term Capital Gains (LTCG):

Since your brother purchased the land in 1983 and you sold it in 2024, it qualifies as a long-term capital gain (LTCG) assuming you held the property for more than 2 years.

Here's a simplified formula to estimate the LTCG (consult a tax advisor for the exact calculation):

• LTCG = Sale Price - Indexed Acquisition Cost
• Sale Price: Rs 1,40,00,000 (Given)
• Acquisition Cost: Rs 0 (Gifts typically have an acquisition cost of Rs 0)
• Indexed Acquisition Cost: Acquisition Cost * (Current Year Index / Acquisition Year Index)

Indexation Benefit:

• Indexation helps adjust the acquisition cost for inflation, reducing your tax burden.
• You'll need the official government published ‘Base Year Index’ for 1983 and 2024 to calculate the indexed acquisition cost.

Example (using hypothetical index values):

Let's assume (for calculation purposes only) the base year indices are:

• 1983: 100
• 2024: 630 (This is a hypothetical value, you'll need the actual index for 2024)
• Indexed Acquisition Cost = Rs 0 (Acquisition Cost) * (630 / 100) = Rs 0
• LTCG = Rs 1,40,00,000 (Sale Price) - Rs 0 (Indexed Acquisition Cost) = Rs 1,40,00,000

Tax on LTCG:

LTCG on land is currently taxed at 20% with indexation benefit.

In this example (assuming the above index values), your LTCG tax would be Rs 1,40,00,000 * 20% = Rs 28,00,000

Disclaimer:

This is a simplified explanation for illustration purposes only. Consulting a qualified tax advisor is recommended for accurate tax calculations and to consider any specific aspects of your situation. They can guide you through the intricacies of property tax laws, exemptions, and filing requirements.
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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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