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Nitin Sathe  | Answer  |Ask -

HR, Recruitment Expert - Answered on Oct 25, 2023

Air Commodore Nitin Sathe (retd) is an IAF veteran with experience in aviation, aviation management, recruitment and HR.He has commanded a frontline base in Jammu and Kashmir, served with the UN Peace Keeping Force in Congo and volunteered for tsunami relief operations. Today, he is a certified recruiter and personality assessor.... more
yogen Question by yogen on Oct 04, 2023Hindi
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Career

Hi, I am 48 years old, job less from last 6 months, due to tech. change, My life is very unstable, I have change 18 jobs in last 8 years, I got divorce in 2011, after of married life of 3 years, now I am trying to re married from last 5 years of did't get good profile, I am very tense, as I have discussed my plam or kundly from some experts pandits, but did't get success. I have 25 yrs of experience but my luck is not with me, every time I am not stay in my job, I don't know why, I am very honest and cool person, and I have not good friend circle, not doing any smoking and drinking, l like to sit slient not talk more, may be this is a problem. pls suggest.

Ans: You need to introspect more. You say that you cannot find fault in yourself for changing 18 jobs in 8 years? I think that there has to be something for such a thing to happen. Please do some soul searching and get to be more positive in your outlook and approach to life. Go to a counsellor who will guide you. Please do not sit at home and remain silent. All the best.
Asked on - Jan 10, 2024 | Answered on Jan 12, 2024
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not good answer
Ans: I do not have any better answer sir! Carry out a SWOT analysis of yourself and exploit your strengths!
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Asked by Anonymous - Aug 13, 2023Hindi
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Hellow sir, Request you to please suggest and help? I am 39 yrs old male with no job in hand. I am not married as well. Actually my mom was detected with liver cirrhosis and was asked to have liver transplant on Septemeber 2022. After tht i was all after taking care of my mom and looking out for donors. I didnt hav anybody to take care of my mom, my sister is settled in USA and she was expecting. Hence she could nt help, but all the financal help was done by her. My mom underwent Liver Transplant in the month of May 2023 and now she is recovering. I am with her taking care of her. I hav Dad, bt he is also very old. I was before sept 2022 working in a Reputed hospital as deputy marketing manager. I have done my MBA marketing as well with a hotel management degree. I have a total of 11 years of experience with 8.26 lakhs per year package. I always felt in regards of my marriage i m unable to get a match coz i dont hav a suitable job with good package. At 39 i m unable to upgrade my skills coz of all my responsibilities. Maybe September i am thinking of looking out for a job, as my sister is going to return from US. I want to get married and lead a normal life. I also want to grow in life so that i can keep my family happy. I m afraid of being alone all my life, coz my parents in regards with dere health are not doing well. I also want grow in my career. Request you to please guide me what should i do in life ahead . I had no relatives support that is why i had to leave my job to take care of my Parents. At 39 i feel tht i m too old to get married as dere are very few proposals of my age and those which are dere are very much well settled in life and would epexct somone who is more sucessful than me.
Ans: Hi,
I can understand that you have got two issues primarily. First, you need to get a job and secondly is to get married along with taking care of your parents. You can look for jobs through job portals and look for match through various matrimony portals and marriage bureaus. If you do this consistently for a few months, you are bound to succeed.

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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 16, 2023

Asked by Anonymous - Nov 09, 2023Hindi
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Relationship
Dear Madam, i am 49 and married with 2 kids (10th standard and 8th standard), my problem started we move to india and settled near my mother/sister-law and there is lot influence things happened alast 2 year and also i have drinking habit which i have overcome by attenting rehibition, but last 8 month i am staying with mother house due my health and now i ok, but every time last 3 months i asking my wife can we staying together but no proper answer and she away most of time on spiritualty, even i allow her go but she is not inform were about even after 20 phone call that triggers me and i drink and make my life diffocult myself, recently i have asked move alone with me and kids but again blaming for all the past thing, due to this i have flight my parents and brother which not keep peace to them....i am really confused and what stage they will expect me i know sure..please let me know any suggestion
Ans: Dear Anonymous,
Your drinking is the main reason why your wife cannot trust you again. Rebuilding that trust is going to take a lot of time and patience, Simply by saying that All is Well, let's move back together is not going to help.
Use this time of separation to rebuild that trust. Visit your children often and be the father that they didn't have earlier...be the husband that you were not earlier.
Actions speak louder than words...so, now focus on what you can do for your family that will make them want you back into their lives and this can definitely happen when you are staying away from them.
Allow them to slowly notice the changes in you and they will on their own accept you back...
A lot of work to be done...but anything for the family, right?

All the best!

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Milind Vadjikar  |649 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Milind

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Dear Sir, I am 53 yrs. I want to retire @60 with a INR 2.00 Cr Corps. Currently I have following SIP Total SIP 30000/- PM Axis Bluechip Fund - Regular Plan - Growth HDFC Mid-Cap Opportunities Fund - Growth Plan Aditya Birla Sun Life Pure Value Fund - Growth Option Aditya Birla Sun Life Equity Advantage Fund - Regular Growth Sundaram Mid Cap Fund Regular Plan - Growth Bajaj Finserv Flexi Cap Fund -Regular Plan-Growth Franklin India Focused Equity Fund - Growth Plan Franklin India Smaller Companies Fund-Growth HDFC Top 100 Fund - Growth Option HDFC Multi Cap Fund - Growth Option I have MF Investment @ 26.00 Lakh Current Value is @ 52.00 Lakh. I have Savings of Rs. 10.00 Lakh, PPF Rs. 5.00 Lakh, Share investment Current Market Value around Rs. 20.00 Lakhs. I don't have any Loan. Insurance INR 1.50 Cr. up age of 70. Per month earning around Rs. 1.25 Lakh. I have a Investment in real estate which can give my INR 40.00 Lakh at current Market Price & Gold Investment of INR 20.00 Lakh which I think sufficient for my daughter Marriage. Current Monthly Expense INR 40-50 K. I am in a new tax regime, so discontinue my ELSS saving and PPF Saving. Suggest how i can increase my Corpus for retirement.
Ans: Hello;

You may top-up your monthly sip by 10% every year for 7 years. This will grow into a sum of around 0.51 Cr.

The MF corpus and direct equity holdings worth 0.72 Cr today will grow into a corpus of 1.59 Cr after 7 years.

Therefore you may achieve your intended corpus of 1.59+ 0.51=2.1 Cr, 7 years from now. A modest return of 12% is assumed from MF and direct equity holdings.

2-3 years before 60 you should start moving your gains from equity funds to liquid or ultra short duration debt funds to protect it against market volatility.

Also good health care insurance for yourself and your spouse.

RE property you may sell at a later date to boost your retirement income.

Happy Investing;
X: @mars_invest

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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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