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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
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Asked by Anonymous - Jan 29, 2024English
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हाल ही में एक नौकरी के साक्षात्कार के दौरान, एक नियोक्ता ने मुझसे मेरे सामान्य दिन का वर्णन करने के लिए कहा। मैं थोड़ा घबराया हुआ था और मुझे नहीं पता था कि बातचीत कैसे शुरू करूं और अपने दैनिक कार्यक्रम पर चर्चा कैसे करूं। मैं इस तरह के प्रश्न का उत्तर कैसे देना है यह जानने में आपकी सहायता चाहता हूँ। वे मुझसे क्या सुनने की उम्मीद कर रहे हैं?

Ans: जब कोई नियोक्ता आपसे आपके सामान्य दिन का वर्णन करने के लिए कहता है, तो वे संभवतः यह समझने में रुचि रखते हैं कि आप अपने काम को कैसे देखते हैं, अपना समय कैसे प्रबंधित करते हैं और विभिन्न कार्यों और जिम्मेदारियों को संभालते हैं। यह प्रश्न उन्हें आपकी कार्य आदतों, संगठनात्मक कौशल और आप पद की आवश्यकताओं के साथ कितनी अच्छी तरह तालमेल बिठाते हैं, इसकी अंतर्दृष्टि प्रदान करता है।

यहां एक संरचित दृष्टिकोण है जिसका उपयोग आप इस प्रश्न का उत्तर देने के लिए कर सकते हैं:

1. एक संक्षिप्त अवलोकन से शुरुआत करें:
अपने सामान्य दिन का सामान्य अवलोकन देकर शुरुआत करें। उदाहरण के लिए:
- "मेरे लिए एक सामान्य दिन की शुरुआत [समय डालें] से होती है।"

2. प्रमुख जिम्मेदारियों पर प्रकाश डालें:
- उन मुख्य जिम्मेदारियों या कार्यों का उल्लेख करें जिन्हें आप नियमित रूप से करते हैं।
- "मैं अपने दिन का पहला हिस्सा ईमेल जांचने और उनका जवाब देने, दिन के कार्यों को प्राथमिकता देने और किसी भी जरूरी मामले की समीक्षा करने में बिताता हूं जिस पर तत्काल ध्यान देने की आवश्यकता है।"

3. सहयोग और बैठकों पर चर्चा करें:
- यदि लागू हो, तो अपनी भूमिका के किसी सहयोग या टीम वर्क पहलू के बारे में बात करें।
- "मैं अक्सर चल रही परियोजनाओं पर चर्चा करने या किसी भी चुनौती का समाधान करने के लिए [टीमों/सहयोगियों] के साथ सहयोग करता हूं। यह सुनिश्चित करने के लिए कि हर कोई एक ही पृष्ठ पर है, हमारी नियमित टीम बैठकें होती हैं।"

4. पता समस्या समाधान:
- चर्चा करें कि आप अप्रत्याशित चुनौतियों या समस्या-समाधान पहलुओं को कैसे संभालते हैं।
- "मैं दिन के दौरान आने वाली किसी भी अप्रत्याशित चुनौती का समाधान करने में सक्रिय हूं। इसमें मुद्दों का विश्लेषण करना, टीम के सदस्यों के साथ परामर्श करना और परियोजनाओं को ट्रैक पर रखने के लिए समाधान लागू करना शामिल है।"

5. समय प्रबंधन:
- इस बात पर ज़ोर दें कि आप अपना समय कुशलतापूर्वक कैसे प्रबंधित करते हैं।
- "मैं कार्यों और समय-सीमाओं को प्राथमिकता देने के लिए कैलेंडर और टू-डू सूचियों जैसे टूल का उपयोग करता हूं। इससे मुझे संगठित रहने में मदद मिलती है और यह सुनिश्चित होता है कि मैं परियोजना के लक्ष्यों और समय-सीमाओं को पूरा कर सकूं।"

6. व्यावसायिक विकास:
- यदि प्रासंगिक हो, तो व्यक्तिगत या व्यावसायिक विकास के लिए आपके द्वारा किए गए किसी भी प्रयास का उल्लेख करें।
- "मैं पेशेवर विकास, उद्योग के रुझानों पर अपडेट रहने और नए कौशल हासिल करने के लिए भी समय आवंटित करता हूं जो मेरी भूमिका में योगदान करते हैं।"

7. समापन वक्तव्य:
- यह संक्षेप में बताते हुए निष्कर्ष निकालें कि आपकी दैनिक दिनचर्या भूमिका में आपकी समग्र प्रभावशीलता में कैसे योगदान करती है।
- "कुल मिलाकर, मेरी दिनचर्या उत्पादकता को अधिकतम करने, प्रभावी संचार बनाए रखने और परियोजनाओं के सफल समापन को सुनिश्चित करने के लिए डिज़ाइन की गई है।''

नौकरी की विशिष्ट आवश्यकताओं के अनुसार अपनी प्रतिक्रिया तैयार करना याद रखें और अपनी दैनिक दिनचर्या के उन पहलुओं को उजागर करें जो नौकरी विवरण में उल्लिखित जिम्मेदारियों के साथ संरेखित हों। यह संरचित दृष्टिकोण आपको नौकरी साक्षात्कार के दौरान व्यापक और विचारशील प्रतिक्रिया प्रस्तुत करने में मदद कर सकता है।
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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Khevna

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HR Expert - Answered on Apr 10, 2023

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प्रिय मैडम, आपने बहुत सारे साक्षात्कार लिए होंगे। कुछ प्रश्न आमतौर पर साक्षात्कार में पूछे जाते हैं। मेरे लिए सभी प्रश्न ठीक हैं. लेकिन एक सवाल है जो आम तौर पर साक्षात्कारों में पूछा जाता है और मुझे वास्तव में इसका उचित उत्तर नहीं पता है। प्र. आपकी वेतन अपेक्षाएं क्या हैं? क्या मैं जान सकता हूँ कि इसका उचित उत्तर क्या होना चाहिए?
Ans: यह सबसे आसान उत्तर है. उन्हें बताएं कि आपकी वास्तविक अपेक्षाएं क्या हैं... यदि आपके मन में यह है तो यह एक संख्या हो सकती है या % वृद्धि हो सकती है। आप हमेशा यह उल्लेख कर सकते हैं कि यह एक संख्या है जो आपके मन में है लेकिन इस पर कंपनी के बजट/भूमिका/भविष्य की संभावनाओं/जोड़ने वाले किसी अन्य लाभ के आधार पर चर्चा की जा सकती है।

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Nitin

Nitin Sathe  | Answer  |Ask -

HR, Recruitment Expert - Answered on Mar 10, 2023

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प्रिय महोदय, आपने बहुत सारे साक्षात्कार लिए होंगे। कुछ प्रश्न आमतौर पर साक्षात्कार में पूछे जाते हैं। मेरे लिए सभी प्रश्न ठीक हैं. लेकिन एक सवाल है जो आम तौर पर साक्षात्कारों में पूछा जाता है और मुझे वास्तव में इसका उचित उत्तर नहीं पता है। प्र. आपकी वेतन अपेक्षाएं क्या हैं? क्या मैं जान सकता हूँ कि इसका उचित उत्तर क्या होना चाहिए? और ऐसी कौन सी बातें हैं जिनका एक कर्मचारी को ध्यान रखना चाहिए ताकि उसका बॉस नाराज न हो।
Ans: जब आप वहां जाते हैं, तो आपको पता होता है कि आपको क्या नौकरी मिल सकती है। आप अपनी कीमत भी जानते हैं और साथ ही यह भी जानते हैं कि आपका अंतिम वेतन कितना था। इस सब के आधार पर, उत्तर देने का सबसे अच्छा तरीका यह होगा... 'सर, मैं अब तक काम कर रहा था और कमा रहा था... मैंने निश्चित रूप से उससे अधिक राशि पाने के लिए यहां आवेदन किया है। नौकरी की सामग्री और मेरे कौशल और मूल्य संवर्धन को ध्यान में रखते हुए जो मैं कार्य आउटपुट में ला सकता हूं, मुझे लगता है कि मैं लायक हूं ...... शायद आप यह भी बता सकते हैं कि आप उस नौकरी के लिए कितना देने को तैयार हैं मुझे देने पर विचार कर रहे हैं, एक बार जब आप इसकी पुष्टि कर देंगे तो मैं एचआर से बातचीत कर सकता हूं। फिलहाल, वेतन पैकेज के अलावा, मैं नई नौकरी की पेशकश की रोमांचक संभावनाओं को भी देख रहा हूं!'
ऐसा कुछ किसी को नुकसान नहीं पहुंचाएगा.
जहां तक ​​परेशान करने वाली चीजें करने की बात है तो मेरा सुझाव है कि ऐसा कुछ भी न करें जिससे आपको गुस्सा आए और पूछे गए सवाल के जवाब के अलावा कुछ भी अतिरिक्त न बोलें। शुभकामनाएं!

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Nayagam P

Nayagam P P  |6082 Answers  |Ask -

Career Counsellor - Answered on Aug 24, 2024

Asked by Anonymous - Jul 12, 2024English
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मैं स्टोर क्लर्क की भूमिका के लिए अपने बारे में बताएं प्रश्न का उत्तर कैसे दूँ?
Ans: 1) आपका उत्तर 2 मिनट से ज़्यादा लंबा नहीं होना चाहिए।

2) अपनी प्रासंगिक शिक्षा और संभाली गई नौकरी प्रोफ़ाइल को हाइलाइट करें (यदि आपके पास कार्य अनुभव है)।

3) अपने वर्तमान/पिछले अनुभव के बारे में अधिक बात करें जिसने संगठन की मदद की।

4) जहाँ तक संभव हो, जहाँ तक आपकी नौकरी के शीर्षक का सवाल है, मात्रा/पैमाने/आवृत्ति/संख्या में समझाएँ।

5) सबसे महत्वपूर्ण: कृपया ध्यान दें, भर्तीकर्ता आपसे अपेक्षा करते हैं कि आप कंपनी के लाभ के लिए क्या कर सकते हैं। इसलिए, बताएं कि आप कंपनी के लिए कैसे फायदेमंद होंगे (इसके बजाय कि आप कंपनी से क्या हासिल करेंगे)।

अधिकांश नौकरी चाहने वाले, साक्षात्कार के समय, बताते हैं कि वे अनुभव प्राप्त करना चाहते हैं या कंपनी से सीखना चाहते हैं। यह एक कारण है, जिसके कारण अधिकांश नौकरी चाहने वालों को अस्वीकार कर दिया जाता है।

आपके उज्ज्वल भविष्य के लिए शुभकामनाएँ।

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Nayagam P

Nayagam P P  |6082 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

Nayagam P

Nayagam P P  |6082 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

Asked by Anonymous - Jun 09, 2025
Career
Among industrial engineering, energy engineering, chemical engineering, engineering physics - all at IIT Bombay, what should be the order of sequence?
Ans: Chemical Engineering leads with an 83.5% placement rate (2024), driven by core roles in oil/gas, pharmaceuticals, and sustainable energy via recruiters like ExxonMobil and Reliance, supported by interdisciplinary research in advanced materials and process optimization. Energy Engineering (Integrated B.Tech + M.Tech) follows with 88% placements, emphasizing renewable energy systems and collaborations with Shell and GE, though its niche focus limits sector diversity. Industrial Engineering & Operations Research (IEOR), a newer program, offers versatility in data science, supply chain analytics, and AI/ML applications, with projected placements in tech and consulting sectors, though historical data is limited. Engineering Physics reports a 68.29% placement rate (2024), with 50% transitioning to IT roles via certifications, while others pursue research in quantum computing or advanced materials.

Recommendation: Prioritize Chemical Engineering for established industry demand and research depth, followed by Energy Engineering for growing renewable sector opportunities. Choose IEOR for emerging interdisciplinary roles, and Engineering Physics if favoring academic research or flexible career pathways over immediate placements. All the BEST for your Admission & a Prosperous Future!

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Ravi

Ravi Mittal  |600 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 10, 2025

Asked by Anonymous - Jun 07, 2025
Relationship
So I had breakup I dont know but things happen so drastically he has given commitment to me that he will marry me we was in a relationship for 5.5 years of relationship I was already married to him in my mind we was also physically involved he started his business in partnership of sandwichs I understand he was quite busy but he did not message me for 3 long days I used to remain confused about where he is and what he is doing I ask for clarity to him than he said that he cannot take it anymore and cannot handle me as He was not even messaging me he had ghost me I asked him if he like another girl but he said no the guy once was committed to me suddenly said he cannot take it he ended it and move on , I am in middle of Cat preparation everything just sucks that I lost my virginity too It attacks my confidence I feel my life had ended as because who will accept a girl with past in this "No seal No deal" era I am not a object or product I am a human being My boyfriend move on what I will do stck in there but will I ever endup in happy married life with such past, Can I share this past to anyone or keep it as a hidden secret with me only
Ans: Dear Anonymous,
I am very sorry you are going through such a tough time. First of all, this ‘no seal no deal’ is the brainchild of extremely insecure people. You should not have to worry about that. If, in the future, you start dating someone, and you decide to tell them about your past and they say something that indicates this mentality, you should reconsider the relationship. Your past is your past. Whatever happened between you and your ex was out of love. And it isn’t a flaw in you. Remember, you deserve as much happiness and love as any other person. Coming to whether you can ever share your past or not- that is entirely up to you. There is no hard and fast rule that you must tell your partner every single detail of your past relationship history. But I strongly suggest focusing on finding someone with whom you can share anything without fear of judgment.


In the end, I’d again like to remind you that the choice to disclose your past is on you. No one can pressure you to talk about it, or not sharing the same doesn’t make you guilty of anything. For now, please stop worrying about all these and focus on keeping yourself happy and moving forward. You deserve someone who will love you every day and for everything you are.
Hope this helps.

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Nayagam P

Nayagam P P  |6082 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

Career
Sir, My son scored 96 percentile in mains, 800 community rank (SC) in JEE (ADV). Which course suits best for his career with strong placements & future research also if possible in IITM
Ans: Lavanya Madam, With a JEE Advanced SC rank of 800, admission to Computer Science and Engineering (CSE) at IIT Madras remains unfeasible (2024 SC cutoff: 72), but competitive options include Mechanical Engineering (2024 SC cutoff: 716) and Aerospace Engineering (788), both offering 90%+ placement rates and median salaries of ?19.6 LPA (2023-24 data). For research-oriented pathways, Chemical Engineering (SC cutoff: 1,225) provides opportunities in sustainable energy and materials science via collaborations with DRDO and ISRO, supported by ?59.12 crore in annual research funding. Electrical Engineering (SC cutoff: 378) combines strong placements (median ?27.28 LPA) with interdisciplinary research in quantum computing and robotics through IITM’s Centre for Innovation. While Civil Engineering (SC cutoff: 1,324) offers lower placement traction (median ?17.73 LPA), its structural engineering research initiatives align with global infrastructure demands. Recommendation: Prioritize Mechanical Engineering for optimal balance of placement stability (core roles in automotive/manufacturing sectors) and research versatility, or Aerospace Engineering for niche opportunities in defense and space technology, leveraging IITM’s industry-academia partnerships and ?513 crore annual funding pool. All the BEST for your Son's Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |8891 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 10, 2025

Asked by Anonymous - Jun 10, 2025
Money
Prabhu Asked on - Jun 09, 2025 Hi sir, I'm 39 working with MNC with take home 1.4L. Kindly advice 2 thing. Shall I close the loan with PPF and does my investment are on right way. Investment 30L ESOP 30L MF 15L PPF ( matured) 25K yearly in ulip for 20 years stared in 2022. 12K SIP Liabilities 20L home loan ( 9 yr completed) 30K expenses monthly 21K health insurance yrly 40K term insurance yrly
Ans: You are 39 years old, working with a multinational company. Your take-home income is Rs. 1.4 lakh per month. You are asking two questions:

Should I close my home loan using my matured PPF?

Are my investments on the right track?

Let us evaluate both in a detailed and professional manner. We will look at your finances from a full 360-degree view to help you take better decisions.

Present Financial Snapshot
Let us understand your current assets and liabilities first:

Take-home salary: Rs. 1.4 lakh per month

Home loan outstanding: Rs. 20 lakh (9 years completed)

Monthly EMI (assumed): Not mentioned, but likely Rs. 20,000–25,000

Monthly expenses: Rs. 30,000

Health insurance premium: Rs. 21,000 per year

Term insurance premium: Rs. 40,000 per year

SIP: Rs. 12,000 per month

ULIP: Rs. 25,000 per year (started in 2022 for 20 years)

PPF: Rs. 15 lakh (matured)

Mutual funds: Rs. 30 lakh

ESOPs: Rs. 30 lakh

Let us now analyse both your questions step by step.

Should You Close Home Loan Using PPF?
You have completed 9 years of a housing loan.

Only Rs. 20 lakh is left as balance.

PPF has matured and holds Rs. 15 lakh.

Your PPF is a safe and tax-free investment.

You should not use the full amount to close your home loan.

Here is why: Home loan gives tax benefits on both interest and principal.

It also helps you build your credit history.

Your EMI seems comfortable at Rs. 20,000 to Rs. 25,000.

Your net monthly surplus is very good after expenses and SIP.

Do partial prepayment of home loan only.

Use Rs. 5 lakh from PPF to reduce your loan balance.

This reduces your interest burden.

Keep Rs. 10 lakh in PPF for safety and emergencies.

Don’t close full loan now.

If you reduce loan tenure (not EMI), it saves more interest.

This way, you reduce interest and still keep benefits.

Don't touch the rest of PPF.

It can also act as emergency fund in job break, health issue or family need.

Full closure of home loan is not necessary if EMI is manageable.

Should You Continue or Surrender the ULIP?
You are paying Rs. 25,000 per year in a ULIP since 2022.

ULIPs mix insurance and investment in one product.

In the first few years, most of your money goes in charges.

They are very costly, and the returns are unpredictable.

You already have term insurance for pure protection.

ULIP is not needed.

You can surrender this policy immediately.

Reinvest the amount in mutual funds through SIP or STP.

This way, you get better returns with lower costs.

ULIP does not offer flexibility or goal matching.

Mutual funds give transparent performance tracking.

Avoid mixing insurance with investments in future.

Is Your Investment Strategy on the Right Path?
Let’s analyse your current investment portfolio from all sides.

1. Mutual Funds – Rs. 30 lakh

This is a strong amount for your age.

You are running a SIP of Rs. 12,000 monthly.

This shows discipline and long-term thinking.

Try to increase SIP yearly with salary hike.

Aim for Rs. 20,000 to Rs. 25,000 SIP monthly in next 2 years.

Invest in actively managed funds, not index funds.

Index funds only copy the market and don’t give extra return.

Active funds have fund managers to help beat inflation.

Also, avoid direct plan funds if used.

They may look cheaper, but offer zero guidance or review.

Use regular plan via Certified Financial Planner (CFP).

This gives ongoing support, rebalancing, and handholding.

Review your MF portfolio once in 6 months.

Keep mix of large cap, flexi cap and mid cap funds.

Avoid small cap if your goals are short term.

Long-term goals should drive your MF selection.

Keep 1 goal for each MF. Example: Retirement, freedom, child, etc.

This brings clarity and emotional discipline.

2. ESOPs – Rs. 30 lakh

ESOPs can create sudden wealth but are high risk.

They are linked to one company, your employer.

This is called “double risk”.

If your job and stock both go down, you face double pain.

Keep ESOPs within 20% of your total portfolio.

You already have Rs. 30 lakh in ESOP, and Rs. 30 lakh in MFs.

That’s a 50-50 split now.

Start selling some ESOP every year.

Move the money into mutual funds or debt funds.

This reduces risk and adds diversity.

Also, check tax rules before selling ESOPs.

Avoid waiting for maximum price or market timing.

Take money out slowly over 2–3 years.

Don't link your wealth to one company stock.

3. PPF – Rs. 15 lakh (matured)

You have done very well by holding PPF till maturity.

PPF is one of the best low-risk options in India.

Use only part of it for loan prepayment.

Keep balance for emergencies or future needs.

You can also open a new PPF again.

This helps save tax under Section 80C.

Use PPF as a safety cushion, not for aggressive growth.

4. SIP – Rs. 12,000 monthly

SIP is a good habit for wealth creation.

Increase it step by step every year.

Add Rs. 2,000–3,000 more every 6 months.

Your current income allows higher SIP.

But maintain balance between investing, EMI, insurance and life needs.

Insurance Coverage Assessment
1. Health Insurance

You are paying Rs. 21,000 per year.

Check if the cover is at least Rs. 25 lakh floater.

If not, take a super top-up plan.

Health expenses are rising faster than income.

Good insurance protects your savings and wealth.

2. Term Insurance

You are paying Rs. 40,000 yearly.

Ensure cover is 15 to 20 times your annual income.

Your income is Rs. 16.8 lakh yearly (1.4 lakh x 12).

So, term cover should be at least Rs. 3 crore.

If current cover is lower, take an extra policy.

Term plans are cheap and pure protection.

Don't delay increasing your coverage.

Suggestions for Future Financial Growth
Track your net worth every 6 months.

Maintain a monthly budget sheet to manage expenses.

Avoid luxury spending from bonuses or incentives.

Don’t buy any new real estate for investment.

Real estate locks money and gives poor flexibility.

Avoid F&O, crypto, or stock tips from social media.

These look exciting but destroy wealth silently.

Stick to your own goals and asset allocation.

Write your goals on paper – with amount and time.

Example: Rs. 2 crore for retirement by age 55, Rs. 40 lakh for child.

Link each investment to one goal.

This gives emotional connection and purpose.

Stay patient during market ups and downs.

Don’t stop SIPs during market fall. That’s when you get more value.

Meet a Certified Financial Planner every year to review.

Life changes. So should your plan.

Finally
Do not close your entire home loan using PPF.

Do partial prepayment with Rs. 5 lakh only.

Keep Rs. 10 lakh from PPF as emergency buffer.

Surrender your ULIP and shift to mutual funds.

Increase SIP step by step.

Reduce ESOP exposure to avoid risk.

Review term and health insurance coverage immediately.

Maintain goal-based investing using active mutual funds.

Avoid direct and index funds.

Keep meeting Certified Financial Planner every year.

This builds financial freedom, not just wealth.

You are already on a strong path. Just refine it smartly.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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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