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34, Unemployed, & Wanting a Career Change: What Skills Should I Learn?

Nayagam P P |3763 Answers |Ask -Follow

Career Counsellor - Answered on Jun 21, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Asked by Anonymous - May 14, 2024Hindi

Career

Hi i have always been struggling for a successful career .firstly i gave my 5 years for the preparation of IAS and other government exams but couldn't make it and the place i used to live was less in opportunity inspite of being masters in economics i was underpaid. So i joined the institute as an academic counselor/centre manager but now i am looking for job and want to upskill myself .can u please suggest some realistic skills which can help me to give a shape to my career as i am 34 now so i dont have that much time to invest and yeah i am considering some courses like digital marketing, data analyst ,project management but dont know which will be best for me .

Ans: Try Digital Marketing (Or) Data Analyst by joining any Institute which provides Job Guarantee immediately after completing the Course.

To know more on ‘ Careers | Education | Jobs, please ask / FOLLOW me in RediffGURU here.

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Mayank Rautela | Answer |Ask -Follow

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Question by Varun - Feb 19, 2023Hindi

Career

I am 38 yrs old male canditate working in hospital sales and marketing team. I have done my MBA marketing from Pune university and have also studied hotel management . I have work experience of around 11-12 yrs in sales and marketing. I have worked in hotel as well hospital sales for the past 11-12 yrs. I am not able to get the desired remuneration from the work that i am doing. I am also having a feeling of lesser knowledge. I want to grow in my career. My CTC at this moment is 8100000 per annum which i feel is very less. Can you help in suggesting good courses which would help me uplift my career as well as suggest avenues where the renumeration is high.

Ans: You can do a part time MBA or a specialised course in Sales and Marketing

Mayank Kumar | Answer |Ask -Follow

Education Expert - Answered on May 02, 2023

Question by Varun - Apr 30, 2023Hindi

Career

I am 38 yrs old person with MBA marketing and a Hotel management degree. At present i m working in marketing department of a hospital. I have been working in marketing department of hospital and a Five star hotel all this while. I have worked for around 10 plus years. I am nt able to get the desired growth in my career after all the hardwork put in. Kindly suggest any alternative option which could help me grow in my career. How is Data anyltics as career at the of 38. Is there any course which would devlop or horn my skills in regards with data analytics. Requesting you to please suggest any other courses if any ?

Ans: A data analytics course can be pursued at any age. You can start with the basics of data analytics by doing some free courses online post which once you have the basics cleared out, you can get a masters degree in data analytics from platforms like upGrad, SimpliLearn, Great Learning, Coursera

Krishna Kumar | Answer |Ask -Follow

Workplace Expert - Answered on May 25, 2024

Asked by Anonymous - May 17, 2024Hindi

Career

Hello Sir, I am a 31 yr old female, from Mumbai I have been working in a small scale Indian firm as an accounts executive for the past 6 years. There is no growth and learning , I handle basic invoicing, clients ledgers, maintaining ledgers, Accounts reporting etc. I struggle with self confidence and low willingness. and there is added struggle in personal life too. Now at this point I feel stuck and helpless. I feel changing job and carrer would help me gain a bit of confidence. I think i should upskill myself, with data analysis cources such as SQL, Tableau, Python.. What would you suggest ? What would be a better roadmap for me to gain confidence in my career

Ans: Hello Maam

I am sorry to hear about your situation, I can feel your pain.

On the professional side, suggest you ask yourself what all skills you have and how you can enhance them...and then look out for firms through your network which offers better growth opportunities.

It's good to have IT skills, however many a times unless those IT skills are put to use on a daily basis you may lose them.

Suggest you take up some courses around your domain of accounts and finance. Some online courses.

On the personal front I am sure you will be able to sort things.

Fighting battles on both personal and professional front can be very challenging, suggest you take things a bit slowly and most important please be kind to yourself. At the end we are all humans with our own strength and weakness and it's important that we understand that.

I am sure you will come out of your current tough situation soon and your life will be filled with rainbow.

All the best.

Latest Questions

Milind Vadjikar |238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 28, 2024

Asked by Anonymous - Sep 26, 2024Hindi

Money

I am a doctor currently practicing in my home town with my wife.I have three financial goals 1. To accumulate atleast 1.5 to 2cr in 5 years - to establish a health centre 2. 15 cr in 15 years - for my kids education 3.25 cr in 30 years for our retirement Can you suggest us how to go about it?

Ans: Hello;

1. First target is to accumulate 1.5-2 Cr for establishing health centre. For the achievement of this target either you can do a flat monthly sip of 1.8 L for 5 years
Or
You may begin with a monthly sip of 1.25 L and top-up each year by 20% upto 5 years.

Both routes will yield you a corpus of 1.5 Cr for health centre as desired.

2. Second target is 15 Cr target for kid's education to be achieved in 15 years. For the achievement of this target either you can do a flat monthly sip of 2.7 L for 15 years.
Or
You may begin with a monthly sip of 1.2 L and top-up each year by 15% minimum upto 15 years.

Both options will led you to a corpus of 15 Cr for child education as desired.

3. Third and important target of retirement corpus of 25 Cr to be achieved in 30 years.
For the achievement of this target either you can do a flat monthly sip of 57 K for 30 years.
Or
You may begin with a monthly sip of 24 K and top-up each year by 10% minimum upto 30 years.

Either ways you will achieve your targeted retirement corpus of 25 Cr.

A modest return of 13% assumed for investments in pure equity mutual funds for all workings.

You may follow us on X at @mars_invest for updates.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

T S Khurana |118 Answers |Ask -Follow

Tax Expert - Answered on Sep 28, 2024

Asked by Anonymous - Aug 28, 2024Hindi

Money

I purchased an under-construction residential apartment in February 2024 and sold my other residential apartment in August 2024. Thus both the transactions have happened in different financial years and purchase of property has happened not only before the sale of another property but also in previous financial year. Will the capital gains made out of the property sold are tax-free considering the fact that property purchased was of significantly more value than the sale price of the other property?

Ans: Yes. You are entitled to claim exemption for the apartment purchased in February-2024, against Sale of your other apartment in August-2024. This is within time limit of one year, in which you are supposed to purchase a new residential property to be eligible for exemption u/s 54.
Most welcome for any further clarification. Thanks.

T S Khurana |118 Answers |Ask -Follow

Tax Expert - Answered on Sep 28, 2024

Asked by Anonymous - Aug 30, 2024Hindi

Money

If I sell shares of my public limited company which I bought at 10 Rs in 1995 sold at 300 rs in 2024 How much is capital gain tax in percentage I have to pay ? Secondly if I buy a Pvt limited Company shares from same amount Will u have to still pay tax as I don’t want to buy a residential property

Ans: 01. LTCG on Sale of securities shall be taxable @ 12.50%, if the sale is effected after July-2024. However, you would be entitled to a basic exemption of Rs.1.25 lakhs, from LTCG.
02. LTCG on Sale of securities, shall not be exempted, if you buy shares of Private limited company, with the same amount of capital gain.
Most welcome for any further clarifications. Thanks.

Milind Vadjikar |238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 28, 2024

Asked by Anonymous - Sep 28, 2024Hindi

Money

What are the STCG tax saving instruments available for Sale of property within one Year.

Ans: My view is that their is NO way you can avoid short term capital gain tax accruing due to sale of property within one year.

However you may consult a CA to get a specific feedback on aspects of tax saving in your case.

T S Khurana |118 Answers |Ask -Follow

Tax Expert - Answered on Sep 28, 2024

Question by Prash - Sep 15, 2024Hindi

Money

What are the STCG tax saving instruments available for Sale of property within 1 Yr....

Ans: 01. Unlike LTCGs, there is no specific Tax Saving Instruments, in case of STCGs.
02. STCG will be treated like any other Income in ITR and taxed accordingly.
03. Keeping in view you taxable income, you may plan for tax saving investments/expenses. This may help you to reduce your tax liability.
Most welcome for any further clarification. Thanks.

T S Khurana |118 Answers |Ask -Follow

Tax Expert - Answered on Sep 28, 2024

Asked by Anonymous - Sep 10, 2024Hindi

Money

What are the STCG tax saving instruments available for Sale of property within 1 Yr.

Ans: 01. Unlike LTCGs, there is no specific Tax Saving Instruments, in case of STCGs.
02. STCG will be treated like any other Income in ITR and taxed accordingly.
03. Keeping in view you taxable income, you may plan for tax saving investments/expenses. This may help you to reduce your tax liability.
Most welcome for any further clarification. Thanks.

T S Khurana |118 Answers |Ask -Follow

Tax Expert - Answered on Sep 28, 2024

Question by N - Sep 25, 2024Hindi

Money

I become a senior citizen this year. My annual income is as follows. I got 3 lacs ltcg from mutual fund and 2 lac from other source.I want to know 1.25lacs ltcg is exempt from tax . Will I have to pay tax for remaining 1.75 lacs.

Ans: 01 You have correctly assessed that you will have to pay LTCG tax on remaining Rs.1.75 lakhs.
02. Your tax liability shall get reduced, when your taxable income is less than the basic exemption limit. Tax savings, if any, may further reduce your tax liability, if you opt for the old tax regime.
Most welcome for any further clarifications. Thanks.

T S Khurana |118 Answers |Ask -Follow

Tax Expert - Answered on Sep 28, 2024

Question by Uday - Sep 25, 2024Hindi

Money

Hi Hi am 68 years old retired government employee in 2002 I had purchase a flat at 3.5 lack. Recently on May 2024 I have sell that flt on 21.50 .all the money I have given to my son who had purchased a new flat.can I pay capital gain tax.if yes then how much.

Ans: 01. Since you have sold the flat in May-2024, applicable LTCG tax would be @20%, with indexation.
02. You are liable to declare LTCG in your ITR & pay tax accordingly.
03. Exact tax amount payable by you can't be calculated in absence of detailed info about your Income from all sources & Tax Savings etc.
04. you can gift your son this sale amount, who may utilize the same in a way he likes.
05. If your want to save your LTCG, you should have purchased the new flat, may be in the name of your son. In this way you would have been entitled to exemption u/s 54. There are some tribunal decisions, which have confirmed that property purchased in the name of Spouse, son or daughter (Lineal blood relations), is eligible for exemption u/s 54.
Most welcome for any further clarifications. Thanks.

Patrick Dsouza |808 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Sep 28, 2024

Question by varsha - Sep 21, 2024Hindi

Career

But wat if I miss mba it's different events and different clubs studying different subjects

Ans: Does not matter. Try and gain as much knowledge and experience from different sources

Milind Vadjikar |238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 28, 2024

Asked by Anonymous - Sep 26, 2024Hindi

Money

Hi Sir, I have been investing in Mirae Asset Emerging Fund - Dir since 4 years, recently this has changed to Mirae Asset Large & Midcap fund, post this I see the fund is not doing good in its category, now I want to move this fund to Mirae Asset Equity Saving Fund-Dir, so what should be my way to do it, I have earned over 8L interest in this fund, so there will be Capital gain associated with this. please suggest the way do it, should I do STP and withdraw some amount to pay for Capital gain, please suggest.

Ans: If your horizon is 5+ years from here onwards then I feel you should stay invested in the current fund(Mirae Asset Large and Midcap fund).

You may think about migration if your targeted time horizon is close. If this is so then you may consider transfer as proposed.

You may use partial profit to clear the LTCG liability incurred due to this transfer.

See more questions »

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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