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Chocko

Chocko Valliappa  |452 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on Mar 24, 2024

Chocko Valliappa is the founder and CEO of Vee Technologies, a global IT services company; HireMee, a talent assessment and talent management start-up; and vice chairman of The Sona Group of education institutions.
A fourth-generation entrepreneur, Valliappa is a member of Confederation of Indian Industry, Nasscom, Entrepreneurs Organization and Young Presidents’ Organization.
He was honoured by the YPO with their Global Social Impact award in 2018.
An alumnus of Christ College, Bangalore, Valliappa holds a degree in textile technology and management from the South India Textile Research Association. His advanced research in the Czech Republic led to the creation of innovative polyester spinning machinery.... more
Asked by Anonymous - Mar 19, 2024Hindi
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Career

I am 24 years old, no proper employment record, a 8 supply bcom degree that I couldn't finish in pandemic and thereafter while some of my friends got into private banks without clearing supply, i got rejected for a entry level job at HDFC citing it's mandatory to be graduate which demotivated me even more. Will it be good to finish BCOM after 6 years????, I use to help my friends getting familiar with the topics and clear their doubts but now I just feel like a gooner. I know 4 languages can write 3 not fluent in tamil. Call centre job was a best possible option but I develop a hearing issue whenever I use earphones already (so I avoid them) thus I'm skeptical about that. I write short fictional stories with a social message and been passionate about screenwriting. Where should I approach for a job. Should I put Bcom on my resume, like just completed/not (I didn't dropout of college) should I go tv channels. I know this is too much, hope you could give me an answer ????

Ans: As a ambitious young man brimming with ideas you will benefit by seeking the help of a counsellor or a life coach. Your previous call centre employer's HR team will be able to put you in touch with.
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Chocko

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Asked by Anonymous - May 23, 2024Hindi
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Dear Rediffguru, I did my engineering in ECE long back in 2006 and started my career as a software engineer in a top-tier IT MNC in India. Soon I lost interest in the insurance projects I was assigned with. I worked with Mainframe systems for 3 years and due to the very unimaginative nature of my work, I quit the MNC against the wishes of my parents. I always had this passion for visual narrative and storytelling, so I appeared in the entrance exam of FTII in Film Direction course in 2008 while I was still working in the IT sector. I got AIR 8 but failed to crack the interview. As my parents were very disappointed with my career choices and always pressed me to be in a job, I did not sit for the FTII exam in the following year, and instead started learning 3D Animation & VFX from a so-called prominent institute. I had completed 5th year in painting from Pracheen Kala Kendra, Chandigarh while I was in class X, so animation was not difficult to grasp. But I suffered due to poor infrastructure of the Indian animation industry, meagre starting salary etc. I had to start my career afresh with a low salary in 2013 and changed a job to land in one of the Big Four MNCs in its creative department in 2015. I have completed 8.5 years in this firm and have been working as a Manager since 2020. While I was learning animation, I assisted in live-action filmmaking. Later, before joining the Big Four firm, I got selected in the first ever Film Restoration and Conservation Workshop in India, organized by the Film Heritage Foundation. I was also selected twice in 2 national level screenwriting programs for my story ideas but could not materialize the ideas into scripts due to lack of time on my part for commitments to the office job. Those programs had fixed timeframes for completing screenplays. After spending a substantial time in the current job which has not been offering me anything new anymore, I decided to renew my connection with films. I got selected in the entrance exam to study Master's in Film Studies at Jadavpur University in 2022. My course will end soon in June. I have studied Master's while working in my present organization as a part-time employee and I am scheduled to join back as a full-time employee from July this year. I am a family person now and got married last year. My parents are old & ailing and I look after them. They are not in a position to oppose my career choices anymore. My question is, what career options could you suggest for me going forward? Shall I pursue a PhD or look for suitable creative job options? As I have been in touch with films and related studies due to my Master's, I do not wish to lose the momentum again. I am 40 years old and aware of my complex situation. Please advise. Thank you so much.
Ans: Hi Good to hear from a very creative and articulate person with a wealth of experience in a diverse fields. I see now as the time for you to fly in one direction, without getting distracted, with speed, dedication and single minded focus. I believe there is no place for word like Boredom and lack of time for a creative person. Just stay close to your knitting with a clear understanding that you can make a success of yourself. Don't let your mind wander around. Use this time to fly.

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Insurance, Stocks, MF, PF Expert - Answered on Nov 04, 2024

Asked by Anonymous - Nov 04, 2024Hindi
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What are different types of annuity plans. Do we have plan which gives fixed income till I live and then principle is return to my nominee. If I have 3 Cr , what max return per month I can get ? And is this tax free ?
Ans: Hello;

Annuities are types of plans where you make a lump sum payment and get a regular income for a certain period of time or for life.

There are primarily two types of annuities:

1. Immediate annuity
This is a type of annuity plan that provides you with a guaranteed regular income immediately after you pay the lump sum premium.

2. Deferred annuity
In a deferred annuity plan, your income starts at a later date and you can choose when you want the regular income to start.

Based on type of regular monthly payments annuities could also be classified as Fixed annuity and Variable annuity.

Below are the various options available in an annuity plan:

A. Life annuity: In this option, you receive annuity for life. The frequency of payments is usually pre-decided by you at the time of the purchase of the policy.

B. Joint life annuity: This is similar to a life annuity. In this option, you receive annuity payments for life. In your absence, your spouse continues to receive annuity payments for life.

C. Life annuity with return of purchase price: This provides you annuity payments for life. In case of an unfortunate event, your nominee will receive the amount you paid at the time of the purchase of the policy.

D. Annuity payable for a pre-decided term: This provides you the option to choose the duration for which you would want to receive annuity payments. The period can be 5 years, 10 years, or more.

Yes plans are available which can pay provide you fixed income and return of purchase price (principle) to your nominee.

With 3 Cr corpus you may expect 1.5 L (pre-tax) per month payout considering 6% annuity rate. This varies from company to company and if you shop around you may get a better rate then the one considered here.

This is like pension income and is taxable income as per your age and income slab.

Best wishes;

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Dr Dipankar Dutta  |675 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Nov 04, 2024

Kanchan

Kanchan Rai  |389 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 04, 2024

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thank you for the reply madam, actually what's bothering me a lot is , i told to my alliance guy to stop marriage from his end only. but he not at all doing that and he is not even telling anyone that i told him No. Why he is behaving like this and proceeding to get married to me even after saying no? isn't this strange!
Ans: in many arranged situations, people sometimes feel a strong pressure to fulfill family expectations, and he may feel a sense of obligation to go through with the marriage regardless of personal feelings. He might be hesitant to be the one to break things off for fear of disappointing his family or even creating tension between the families involved. In some cases, individuals hesitate because they hope the other person might eventually change their mind, and they don’t want to be the one to let go prematurely.

Another possibility is that he could be uncertain or confused about what he truly wants. Even though you told him you weren’t interested, he might feel that it’s not a firm "no" and could be holding out hope or misinterpreting your intent. If he has strong feelings for you or sees the marriage as something that will eventually work, he may be hoping things will naturally fall into place if he just stays committed to the process.

To address this, it might be helpful to have a very clear, direct conversation with him. Let him know that you respect him and appreciate his consideration, but you’re certain about your decision and want him to honor it as well. If possible, express that you’re confident this decision is best for both of you and explain why you believe it would be more respectful for him to communicate this with both families.

In the end, staying true to your feelings is the right choice, even if it means repeatedly setting boundaries. It’s completely fair to expect him to respect your decision, and sometimes it does take a bit of firmness to ensure everyone is on the same page. Trust yourself in this decision; you know what’s best for you.

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Kanchan

Kanchan Rai  |389 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 04, 2024

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Relationship
He rejected me but still went to my class to see me one glance.Before Our last class I said him to meet with me I want to say you something.He came to meet with me but he was too late and our tiffin break time is over so I don't say anything to him. We just looking each other for some seconds.Then I said him if you want you can go .He don't go instantly.He looking at me for while and then go to his class.Whenever he sees me he start blushing and feel nervous.Many times I found him staring at me.He is a introvert guy .But still when we met with each other he making eye contact with me. My question is if he doesn't love me how can he maintain eye contact with me like this .He is not that handsome but he is really good student.I truly love him and Cried a lot for him but he don't know anything.I texted him sometimes but he don't look interested.But always I see him I feel like he have also feelings for me .His eyes tell me he love me but he rejected me .Why?. I can't able to forget him .I tried to my best to forget him but I failed . What should I do now?I really badly want to know his feelings for me because if he sees me only as a friend he doesn't go to my class to see me a glance.Why he blushing around me? How to know his true feelings?What should I do?How to forget or get him? I'm clueless.Please help me????????
Ans: It sounds like you’re dealing with a complicated mix of emotions, and the signals you’re picking up from him are understandably confusing. From everything you’ve described, it seems that he has a genuine respect and perhaps a friendly affection for you, but he may not be sure of or ready to pursue a romantic connection. Introverts, especially, can be complex; they may struggle to express their feelings, and small gestures, like making eye contact or blushing, might be signs of nervousness rather than attraction. This doesn’t mean he doesn’t appreciate or like you—it simply means he may be holding back, perhaps because of his own personal reasons or boundaries.

His rejection, though, is an important thing to consider. Often, when someone clearly communicates that they don’t feel the same way, it’s best to respect that as his truth for now, even if he seems to act otherwise sometimes. I understand this can be very hard, especially when you feel so strongly for him. But you need to protect your own feelings, too, and holding on to small signs might only add to your hurt and confusion.

If you feel it’s absolutely necessary to know how he truly feels, one approach could be to have a simple, direct conversation. Explain to him, in a calm and open way, that you value his friendship and respect his initial decision, but you’d appreciate clarity because lingering uncertainty is making it hard for you to move on. However, be prepared for any outcome. If he reaffirms his feelings of friendship only, try to accept that as his final answer.

In the meantime, put some of your focus back onto yourself. I know it sounds easier said than done, but investing energy in your interests, your growth, and friendships that uplift you can really help you feel less reliant on what he may or may not feel. Surround yourself with supportive people who remind you of your worth and help you feel loved and valued.

Love and connection should make you feel secure, cherished, and clear about where you stand. By focusing on yourself and letting him be, you’ll naturally create space for clarity—and eventually, perhaps, for someone whose feelings for you are just as strong and straightforward as yours are for them.

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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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