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Nitin

Nitin Sathe  | Answer  |Ask -

HR, Recruitment Expert - Answered on Mar 20, 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
Hitesh Question by Hitesh on Mar 20, 2023Hindi
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Career

I am not feeling satisfied in my current Job, I want to work on things which I like but get very little or no time to spend on that work. How I should increase my interest level in the work?

Ans: I have a simple solution, but wonder if it will work for you. (It worked for me!) Try to make a business out of the things that you like to do! If that isn't possible, then get a fresh resume made and look around for a job that will give you time. Interest in your work comes from a passion to do, to value add and do things which will add zing to your work. Wish you the best!
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Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Asked by Anonymous - Apr 22, 2024Hindi
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I am 46 years and fairly healthy, been into my profession for 24 years and am department head at present.For last one year I have started feeling I am falling short of new ideas, creativity and motivation for self . Often it so happens that I just sit at the office and complete my chores but unable to get any enthusiasm for work. What could be the reasons, how to change????
Ans: It sounds like you may be experiencing a bit of burnout, which is quite common, especially after dedicating many years to your profession. Burnout can manifest as feeling depleted of energy, lacking motivation, and struggling with creativity and enthusiasm for work. You've been in your profession for 24 years, and as a department head, you likely have a lot of responsibilities. Overworking without taking breaks can lead to burnout. After years of experience, you may find that your current role lacks new challenges or opportunities for growth, leading to boredom and decreased motivation Stress from work or personal life can contribute to burnout and drain your enthusiasm for work.

Make sure you're taking regular breaks throughout the day to rest and recharge. Consider taking a vacation or a long weekend to disconnect and relax. As a department head, you likely have the ability to delegate tasks to your team members. Trusting others to take on responsibilities can lighten your workload and give you space to focus on more meaningful or challenging tasks. Identify new goals or projects that excite you and align with your professional interests. This could involve exploring new areas within your field, taking on a leadership role in a different capacity, or pursuing professional development opportunities. Look for inspiration outside of your usual routine. This could involve reading books or articles related to your field, attending conferences or workshops, or networking with professionals in your industry.Take care of your physical and mental well-being by prioritizing activities that help you relax and recharge, such as exercise, meditation, hobbies, or spending time with loved ones. Consider seeking guidance from a mentor or coach who can provide support, advice, and perspective as you navigate this phase of your career.
Remember that it's normal to experience periods of low motivation and creativity, especially after many years in the same profession. By taking proactive steps to address burnout and reignite your passion for work, you can find renewed energy and enthusiasm for your role.

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Shekhar

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Leadership, HR Expert - Answered on May 01, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Hi, I am a mechanical engineer and having been working in the field of power plant from last 12 years. I don't enjoy my work now and feel that I am not meant for this job as I see no growth in my career. I'm 36 now and can't think of anything new as I don't think I can't enter into a new field at this age. No one will prefer me. What should I do?
Ans: Feeling stuck in your current career path is a common experience, but it's important to remember that it's never too late to make a change. Take some time to reflect on your skills, interests, values, and strengths. Consider what aspects of your current job you enjoy and what you would like to do differently in your next career move. Research other career paths and industries that align with your interests and transferable skills. Look for opportunities where your mechanical engineering background and experience in power plants could be valuable, such as in renewable energy, sustainability, project management, or technical sales. Identify any gaps in your skills or knowledge that may be necessary for transitioning to a new field. Consider taking courses, certifications, or workshops to acquire new skills or enhance existing ones. Many online platforms offer flexible learning options that you can pursue while still working. Reach out to your professional network, including colleagues, mentors, former classmates, and industry contacts. Inform them of your career interests and ask for advice, informational interviews, or referrals to potential employers or opportunities in your desired field. Evaluate whether pursuing additional education, such as a master's degree or specialized certification, would be beneficial for your career transition. Some programs offer opportunities for mid-career professionals to gain new skills and credentials. Look for volunteer or internship opportunities in your target industry or field. This can be a valuable way to gain hands-on experience, expand your network, and test out whether a new career path is the right fit for you before making a full transition.

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Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Asked by Anonymous - Jan 06, 2026Hindi
Relationship
I am ready to stand against my parents for the boy I love, but he isn’t willing to stand up to his family. We are both Hindus but our customs, language and rituals are very different from each other. Since the time we started dating, I have tried to give up on my choices for the sake of our happiness. He proposed to me last year after dating for 12 years. I said yes. Now he wants me to convince his parents. He is 29, the eldest son of the family but he feels his parents will not agree for our marriage. His entire family is against us. His mother won't even look at me, forget sit down and talk. I told him we'll have a court marriage and live separate but he wants me to convince his family. If he doesn't take responsibility now, how can I expect him to stand up for me in the future?
Ans: Dear Anonymous,
Are you serious? He happily got into a relationship with you BUT now wants to hide when it's time to talk to his parents.
He's 29 and as a mature adult you must learn to understand that until marriage it's his responsibility to not just talk to his parents but also find a way to make you and his parents meet.
Instead, he chooses to hide or he's scared? Do push him gently into his responsibilities and if you catch him delaying talking to his parents, then understand that he has a personality that avoids conflicts especially with his parents. Do imagine what it can be for you once you are married into that house.
Have an honest chat with him; love is not always roses and candles...straight and honest talk is always better before taking that big step.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu Krishna  |1765 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Reetika

Reetika Sharma  |524 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Money
sir, I am 28 year old Engineer working in IT field for 6 years. Recently married and my wife is also working in a IT Company. I have started investment in MF since my first salary and at present total the corpus is 15 L and my present SIP amount is 60K. In addition I am having 6L in PPF, 8L in Bank FD, 15L PLI and 5L Health Policy. My parents are well settled. My portfolio is as given below. 1. ICICI Prud. NASDAQ - 3K 2. Parag Parikh Flexi Cap - 10K 3. Quant ELSS - 7K 4. HDFC Retirement Saving - 10K 5. Kotak Mid Cap - 6K 6. SBI Focused Equity - 8K 7. Bandhan Small Cap - 8K 8. Nippon India Multi Asset - 8K My investment time horizon is 20+ years. Please review and suggest changes required if any. With Thanks & Regards, S. Salvankar
Ans: Hi Sarvothama,

You are doing great with your iverall investments at such age. Early investment really helps you in the long run. Let us analyse everything in detail:
1. Make sure to have ample emrgency fund in FD or liquid funds.
2. You should have proper term insurance and health insurance for yourself and family. As your spouse is working, she should also have an independent term insurance.
3. 8 lakhs in FD - can be treated as your emergency fund.
4. 6 lakhs in PPF - not recommended as a=you must have your EPF being an IT Professional. PPF is just like EPF, hence make minimum contributions to keep the account active and close it when 15 years tenure is over.
5. Health policy - 5 lakhs >> insufficient keeping in mind rising medical costs. Increase it to a minimum of 25 lakhs family floater for yourself and spouse.
6. 15 lakhs PLI - continue.
7. 15 lakhs + 60k monthly SIP in mutual funds. Very good and you should continue. However, the funds chosen are not exactly great. Entire allocation needs a proper plan in alignment to your profile and long term goal. It is better to work with a professional to choose better funds for your 20+ years goal.
I will not recommend continuing your SIPs in - Quant ELSS, HDFC Retirement Savings, Nippon multi asset and Focused Equity fund.

Hence overall reallocation and distribution in required here.
Do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |524 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Money
Sir, I am a 44 years old male and have made following investments in Mutual Funds, which are as follows, please let me know if it is good to go: DSP India T.I.G.E.R. (The Infrastructure Growth and Economic Reforms Fund) Direct Growth (Rs. 1,000) Nippon India Small Cap Fund Direct Growth (Rs. 1,500) Axis Silver FoF Direct Growth (Rs. 1,000) LIC MF Gold ETF FoF Direct Growth (Rs. 1,000) Parag Parikh Flexi Cap Fund Direct Growth (Rs. 1,000) Motilal Oswal Midcap Fund Direct Growth (Rs. 500) SBI PSU Direct Plan Growth (lumpsum - Rs. 7,000) Aditya Birla Sun Life PSU Equity Fund Direct Growth (lumpsum - Rs. 6,000) I urge you to review my above portfolio as a whole and thereafter appropriately guide me whether I need to switch any of the above SIPs or stay invested as it is, particularly I am more worried about ‘Nippon India Small Cap Fund Direct Growth’ (keeping in consideration that my SIP becomes more than 1.5 years old with this Fund), it has generated negative returns more often, which now becomes my cause of concern, as a result sometimes I felt that I had invested in a wrong fund. My intent for the above investment is to create sufficient wealth, till the time of my retirement. Now, I seek your valuable guidance over the above, enabling me to reach to a decision. Thanks & regards, Ashish
Ans: Hi Ashish,

You have long 16 years till your retirement and proper guided investment can do wonders with your monthly SIPs.
Your concern regarding Nippon Small Cap fund is genuine but this is exactly how markets work. One cannot expect their money to double in an overnight. It needs patience and proper plan to generate even bare minimum of 12% annual return.

I see all the funds you invest in are direct funds. while direct funds are more preferred as they have lower expense ratio of about 0.5%, regular funds are better as they come with proper plan and guidance throughout.
Generating 2-4% returns in these types of direct funds v/s getting 12% return in regular funds - there is always an option.

However, continue with Nippon small cap, Parag Parikh Flexicap, and Motilal Oswal Midcap fund. Stop SIPs in other funds and work with a proper advisor to redirect these funds into better new funds.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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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