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Kanchan Rai242 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 13, 2024

Asked on - May 13, 2024Hindi

Hi I am 52 yrs man having kids and wife, from last so many years my wife start arguing on small - small discussion and it became very high some times. due to this whole house became tense. I am a very emotional Person some times her discussion and arguments hearts me lot resulting became very upset. she has brain problem in past. please advise how can I handle this situation.
Ans: Dear Savendra

Navigating through frequent arguments and tension at home can be incredibly challenging, especially when they leave you feeling emotionally drained and upset. It's understandable that you're seeking guidance on how to handle this situation. Given your wife's past brain problem, it's essential to approach these conflicts with patience, empathy, and understanding. Firstly, try to remain as calm as possible during arguments, even when emotions run high. Active listening and validating her feelings can help create a more constructive dialogue. Setting boundaries around communication and behavior is crucial, ensuring that discussions remain respectful and productive. Seeking professional help, such as couples therapy, can provide valuable support in addressing underlying issues and improving communication skills. Additionally, taking care of yourself through self-care activities and seeking support from friends and family members can help you navigate through these challenging times. Remember, it's okay to prioritize your well-being and seek assistance when needed to foster a healthier and more harmonious household for yourself and your family.

Ramalingam Kalirajan3819 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

Asked on - Apr 19, 2024Hindi


Ramalingam Kalirajan3819 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

Asked on - Apr 13, 2024Hindi

I have target to earn 15 crore in next 10 yrs, currently am doing job in private organisation, I know that doing a job in private organisation cannot go up to 15 cr target in 10 yrs. Pl do advise me the options.
Ans: Achieving a target of 15 crores in 10 years is ambitious and requires a combination of disciplined saving, strategic investing, and potentially exploring additional income streams beyond your job. Here are some options to consider:

Investing: Increase your investments in equity-oriented assets like mutual funds, stocks, or ETFs that have the potential for higher returns over the long term. Diversify across asset classes to manage risk.
Real Estate: Consider investing in real estate properties that can generate rental income or appreciate in value over time. Real estate investments can diversify your portfolio and provide inflation-adjusted returns.
Entrepreneurship: Start a side business or venture that has growth potential. This could be a tech startup, consulting business, or any other venture aligned with your skills and interests.
Stock Market: Actively trade or invest in the stock market to capitalize on short-term market movements. However, this comes with higher risk and requires expertise or professional guidance.
Alternative Investments: Explore alternative investment options like commodities, private equity, or venture capital funds that offer higher returns but come with higher risk and longer lock-in periods.
Career Growth: Focus on career advancement opportunities, certifications, or skill development that can lead to higher-paying roles or promotions in your current job or a new organization.
Financial Planning: Consult a Certified Financial Planner to create a customized financial plan tailored to your goal of achieving 15 crores in 10 years. They can help you optimize your investment strategy, manage risks, and monitor progress towards your goal.
Tax Planning: Efficient tax planning can help maximize your after-tax returns and accelerate wealth accumulation. Utilize tax-saving investment options like ELSS mutual funds, PPF, NPS, or tax-free bonds.
Leverage: Consider using leverage or borrowing to invest in assets that have the potential for higher returns. However, be cautious as leverage increases risk and requires careful management.
Discipline and Patience: Achieving such a significant financial goal requires discipline, patience, and a long-term perspective. Stay committed to your goal, regularly review and adjust your investment strategy as needed, and avoid making impulsive financial decisions.
Remember, achieving a target of 15 crores in 10 years is challenging and requires careful planning, disciplined saving, strategic investing, and potentially exploring additional income streams. Consult a Certified Financial Planner for personalized advice and guidance tailored to your specific financial situation, goals, and risk tolerance.
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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