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40-year old BAC graduate accountant and office administrator seeks advice on better workplaces.

Nayagam P P |4075 Answers |Ask -Follow

Career Counsellor - Answered on Dec 18, 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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Question by Syamaprasad on Oct 15, 2024Hindi

Career

I am a BAC graduate, 40 years old, working as Accountant and Office Administrator. Advice me for better work places.

Ans: Syamaprasad, A B.A.C. graduate can enhance their career prospects by pursuing advanced certifications in accounting, transitioning into higher-level roles, exploring corporate or government sector jobs, expanding into office administration, and exploring technology and data fields. These options include pursuing advanced certifications, exploring remote work options, and pursuing courses in data analytics, project management, or HR. These steps can lead to better pay, career growth, and work-life balance in the accounting field. All the BEST for your Prosperous Future.

Follow RediffGURUS to Know More on ‘Jobs | Careers | Education’.

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Question by RAJ - Sep 19, 2023Hindi

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myself is just 60 years old. Healthy and no ailment. wants to work with any reputed company. myself is delhi university B Com ( Honours ) pass out and working for one company from the last 35 years. any opportunity i am ready to handle.Regards Raj kumar nakra

Ans: Hello Raj Kumar Nakra,

It’s wonderful to hear about your 35 years of dedicated work experience! Your commitment and expertise are truly commendable. As you seek new opportunities, I recommend exploring reputable companies in Delhi NCR that value experienced professionals like yourself.

Here are a few avenues you might consider:

Talent Corner: They are currently hiring for a Sales Manager position related to audio-visual equipment. The role is remote and based near Delhi Division.

Delhi Associates: They have a full-time position available in Law.

Job World: If you’re interested in the banking sector, they have openings for various roles in a reputed bank.

Remember to tailor your resume and cover letter to highlight your extensive experience and skills. Best of luck in your job search, and may you find a fulfilling opportunity that aligns with your passion and expertise!

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Question by RAJ - Sep 19, 2023Hindi

Career

myself is just 60 years old. Healthy and no ailment. wants to work with any reputed company. myself is delhi university B Com ( Honours ) pass out and working for one company from the last 35 years. any opportunity i am ready to handle.Regards Raj kumar nakra

Ans: Sir, it will be very difficult to get into a job at this age. My suggestion would be to consult, free lance and enjoy the free time you get. Let the 9 to 5 jobs be done by the younger generation! All the best Mr Raj!

Patrick Dsouza |947 Answers |Ask -Follow

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Question by Anand - Sep 04, 2024Hindi

Career

Hi, I am at 53. Having 25 years of experience. I am looking for a job now and finding it difficult to get a suitable job. i am ready to adapt any kind of situation and ready for hard work. I have been applying continuously for the past 4 months but not getting any reply. Please advise. I am qualified in M.Com and M.B.A (finance and banking)

Ans: Contact placement agencies. Ask them the kind of roles that you could apply to and the skill sets required. Do short term courses to gain those skill sets. also try applying to some startups in your industry where they could use your expertise.

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Workplace Expert - Answered on Jan 27, 2025

Question by Sandeep - Oct 30, 2024Hindi

Career

Theres no harassment. Still i want to resign as m not able to handle

Ans: Hello Mr.Sandeep

Resignation is a personal choice.

Some factors that one may consider before resigning

- do you have alternate job
- do you have atleast 1 year corpus to take care of running expenses and also some money for medical and other emergencies

Basis these two factors you may consider resignation options

All the best

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Workplace Expert - Answered on Jan 27, 2025

Question by Manisha - Nov 13, 2024Hindi

Career

How i earn money from home

Ans: Hello

Please search for opportunities on various freelancing and remote working websites

All the best

Krishna Kumar |389 Answers |Ask -Follow

Workplace Expert - Answered on Jan 27, 2025

Asked by Anonymous - Sep 30, 2024Hindi

Career

I am aged 49 with a 27 year career in IT - 21.5 years as individual contributor and rest in leadership role. In my last employment, I was asked to go after successfully executing a project; later on, I found that they hired me just for that project only. For the last 4 months, I have been applying for jobs but it looks like that my age goes against me. I have completed a four month course in AIML, learning new programming languages and keeping myself abreast with the latest trends. The differentiating aspect of my leadership is being hands-on; while the team gains confidence, my peers and leaders feel that I am being too indulgent. In some of the interviews that really went well, I was rejected as my technical capabilities seems to have threatened the incumbents. I have achieved the financial freedom and doesn't require a salary to keep the kitchen fires buring but I crave an engagement to retain my knowledge. Please guide

Ans: Hello

As you want to work, suggest you keep exploring opportunities.

Since you have achieved financial freedom, you may consider freelance assignments or even project based assignments, this will ensure you are working and at the same time bring varied experiences.

All the best

Krishna Kumar |389 Answers |Ask -Follow

Workplace Expert - Answered on Jan 27, 2025

Asked by Anonymous - Sep 24, 2024Hindi

Career

Hello Sir, Have a wonderful day, I kindly request you to please help me and guide me how to get a Remote jobs in Finance and Accounts field . I have 2.5 years of full time experience as Finance Executive but I have 2+ years of career gap I have . I am in very much trouble getting a job tried every thing from LinkedIn,indeed to naukri not able to get a good job kindly request you to please give guidance. Thanks and Regards.

Ans: Hello

Here are some ways to get remote jobs
- Search on the various freelancing websites that offer remote jobs
- Talk to friends and family
- Talk to your associates in professional world.

All the best

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Workplace Expert - Answered on Jan 27, 2025

Asked by Anonymous - Dec 08, 2024Hindi

Career

Hello, I am currently working as Counselor in Study Abroad Consultancy. My salary is not that great. Currently I am happy with my job as it's close to my house. Now I am looking forward to raise in my salary significantly. I want your advice. I want to ask should I look for a remote job i.e work from home that will pay me well, give good work experience and have work life balance.

Ans: Hello

Well it all depends...upon

- Your current age
- Your present responsibilities: family, kids education
- Your current financial corpus
- Your priorities: Career growth, stability

Basis above you may assess and evaluate.

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Workplace Expert - Answered on Jan 27, 2025

Question by Mrutyunjaya - Jan 06, 2025Hindi

Career

I have been working with a company since 2011 & it is almost 13 years , hence getting challenges in Job interview . Could you support how can I response if interviewer ask why you want to left your job now when you associated with a company since more than 13 years

Ans: Dear Mr.Mrutunjaya

Congratulations on your long stint.

I would suggest instead of saying things that would be please the interviewer, state things that you believe in.

It could be any or all of the following.

1. Explore newer opportunities
2. Expand job role
3. Take up challenging assignments
4. Come out of the comfort zone

Milind Vadjikar |926 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 27, 2025

Asked by Anonymous - Jan 27, 2025Hindi

Money

I’m 45 and planning to retire in next 3 months. I have an overall savings of 3.3 ( FD, PF, Savings, Shares) gold - 20L plus 5L Silver. Home loan every month 61k, Car loan 39k, house rent 21k and 55k home expenses. Thinking to start my training business from home, can fetch 30k to 1L per month if done correctly. Planning to close my home loan (67L) full or partial (50L) and sell car or close partially loan (10L), outstanding is 15.5L. I have a daughter completing her 10th and took admission in 11th grade. Her annual college fees is 1.2L. We are moving in May to our own flat and have 3 shops in a slightly prime location (Chennai) however we can enjoy after 6 to 7 years. It is fetching today 35k (overall). Health insurance of 10L. After moving to new flat expected expenses per month - house expenses- 30k, Maintenance- 7k, my expenses - 25k, other exp- 10k to 15k.

Ans: Hello;

You must close you home loan(67 L) and car loan(15.5 L) in full from 3.3 Cr of overall savings.

That will leave you with a net savings of 2.475 Cr.

Keep 7.5 L as emergency fund in your saving account.

Keep 20 L in a liquid fund meant for your daughter's higher education. Gold(20 L) and Silver(5 L) holding may be used here if required.

Now your net savings is around 2.2 Cr. Buy an immediate annuity for this sum from an insurance company. Assuming 6% annuity rate you may expect a monthly income of 1 L post tax.

This will cover all your expenses at new residence and still leave something more in hand, which may reinvested in hybrid mutual funds to boost annuity income after 10 years.

All the best for your new venture.

Happy Investing;
X: @mars_invest

Milind Vadjikar |926 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 27, 2025

Asked by Anonymous - Jan 27, 2025Hindi

Money

Hello Respected sir, I have an old land worth 2 crore which I am planning to sell.Original sale deed is of Rs 1 lakh Can you please help me: 1. How much tax have to pay? 2. Where should I invest rest for max return? 3. Currently living on rent but planning to buy 2 flats around 50 lacks each. I will stay in one and the second one will sell. Is this correct? 4. My current income is 2 lakh a month and I have kid only. Investments already in PPF monthly 10K, Sukanya Yojna monthly 20K rest expenses 60K monthly. I am a 44 year old married. My Goal is to have: 25 Lakhs for Education in next 7 yrs and Retirement income 1Lakh a month.

Ans: Hello;

1. You have 2 options of long term capital gain tax working because you have old land.
a.200-1=199 Lakhs on this a tax of 12.5% i.e.24.875 Lakhs
b.200-x=xyz Lakhs on this a tax of 20%
Where "x" is the inflation indexed cost of acquisition
You may consult a CA for calculating "x" for you and also recommending ways in which you can avoid payment of this tax based on provisions of income tax act.

If you can save on entire tax payment by reinvesting the capital gain from land sale into real estate then it makes sense to invest in real estate. You may rent out part of your real estate to earn rental income.

You may do a monthly sip of `90 K in an equity savings type mutual fund with low to moderate risk for 7 years.

It may grow into a sum of 1 Cr after 7 years assuming modest return of 9%. It may be utilised to fund higher education of your kid and partially funding your retirement income in addition to rental income.

Best Wishes;
X: @mars_invest

Milind Vadjikar |926 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 27, 2025

Question by Kumar - Jan 27, 2025Hindi

Money

I am 53 year old and my investment is in PF and PPF around 55 Lakh LIC Rs6 lakh and NPS around 5 lakh. Have plot of Rs20 Lakh in tier2 cities. As I lost huge money in share and Mutual Fund in 2008, I was not interested to invest anything in mutual fund or share. I don't have home and staying in rented house. My expense is 50K per month including my son's education and he is in Standard 7. My monthly contribution towards PF and VPF is 40K. After all deduction my take home Salary is around 1.6 Lakh. Now around 5 lakh emergency fund is in my Savings account. Could you please advice my retirement plan.

Ans: Hello;

You have done big injustice to yourself based on one isolated instance. That is the reason why investor risk assessment is so crucial before suggesting particular investment product to him.

The corpus you have right now is not sufficient to generate monthly income to cover your regular expenses.

You need to think about higher education expenses for your son too.

If you do a monthly sip investment of ~ 80-90 K in a equity savings type mutual fund with low to moderate risk rating for 7 years you may have a corpus of around 90-100 Lacs in 7 years, assuming 9% return.

It will help to build corpus for your kid's higher education plus support your retirement corpus.

Happy Investing;
X: @mars_invest

Milind Vadjikar |926 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 27, 2025

Asked by Anonymous - Jan 27, 2025Hindi

Money

I have deposited in SBILIFE retire smart plan of 500000/per year for five years, the last premium was paid in July 2023, now will it be possible to withdraw the whole amount?

Ans: Hello;

It is a unit linked pension plan with mandatory 5 year lock-in.

Even at maturity you can commute only 60% of the fund value and necessarily have to buy annuity for the balance 40%.

Best Wishes;
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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