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Jobless in Bangalore, No Money, Debt: How Can a 44-Year-Old SSLC Passout Achieve Something?

Maxim Emmanuel | Answer |Ask -Follow

Soft Skills Trainer - Answered on Jul 23, 2024

Maxim Emmanuel is the marketing director of Maxwill Zeus Expositions.
An alumnus of the Xavier Institute of Management and Research, Mumbai, Maxim has over 30 years of experience in training young professionals and corporate organisations on how to improve soft skills and build interpersonal relationships through effective communication.
He also works with students and job aspirants offering career guidance, preparing them for job interviews and group discussions and teaching them how to make effective presentations.... more

Asked by Anonymous - Jul 16, 2024Hindi

Career

I am not getting job anywhere. What shall I do. I don't even have money for food. I am in debt. I have a son who is studying in primary school. I live with my family in rented house in Bangalore. Any ways to achieve something in life please guide.. I am SSLC passed out 44 years old. Thank you in advance

Ans: Don't bother life is a serious challenge and I can see it challenging you.

Thank god you are in Bangalore, immediately go out to so many fine dine restaurants in your area, jobs available,Register online with your phone as a Zomato Swiggy Dunzo delivery man.. They do good weekly pay out's full too.. Demand... They even give electric vehicles which need no licence to ride..

Go man go.. Life is a miracle waiting to happen.. You and only you can make it happen!? ..Maxim Emmanuel

If you do need further professional advice happy to assist
https://m.me/maxim.emmanuel.2024

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Question by Depic - Jun 23, 2023Hindi

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My self commerce finance and pg diploma logisticts and fright from reputed institute i have been worked icici ltd dtdc express ltd flipkart and now builder firm my jourerny almost 14 year include position started unit manger to seniour business head position know the mid age 45 all the job and business in realeste shirnk last 3 year badly continues debts and insecurity just becuase continue failuer or business and job after covid and lockdwon no stablity what the hell high professioal and educated no stablity or availbltiy of job and also business discountinue last 1 year pls advise should settled uk usa middle east or start the business but not profitable or secondly in delhi i saw low cat baniya bihari earnig higher rather than high professional and educated govt failed to provide job business in my level tell me what i do ?

Ans: Oftentimes, attitude and mental makeup matter more than qualifications. It is important for you to first stabilise yourself in at least one key area of your life and improve your self-confidence and self- belief. A focus on improving your financial situation first may be a start

Anu Krishna | Answer |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 18, 2023

Asked by Anonymous - Dec 11, 2023Hindi

Relationship

Hi Anu,Iam completely in to a bad a stage.I lost my job,my son is a disabled kid doesn't have money to run future completely in hell Been a banker for 19 years and not getting any jobs outside Please suggest what should be my next step

Ans: Dear Anonymous,
I do hear you...
It is perhaps time to do something different. You have a wealth of experience of 19 years and it can be put to good use.
Independent consulting in Wealth management maybe something that you might want to consider. There are courses online that help you get initiated in this and using your Banking knowledge it maybe possible to consider this option.
Also, speak with your close circle of friends and family and take their advice as well. It will also help you to take strategic advice from someone in your field and who has also is updated with all the current happenings. Someone senior is what I suggest...
What you need is some direction which this expert in your field can offer...what else you need is some confidence, which you need to instil within yourself.

When something does not work, do something else for a different result...But giving up hope is the worst option...Push yourself to think different and ask:
What else can I do to make things work?
What can I do differently than before for things to align better for me?
How can I keep my state of mind upbeat even though things are not going well for me?

Asking useful questions can change the course of one's life...So keep at it please...

All the best!

Maxim Emmanuel | Answer |Ask -Follow

Soft Skills Trainer - Answered on Jun 26, 2024

Question by Vijay - May 25, 2024Hindi

Career

I am Vijay Kumar N 43years from Hyderabad I am not finding any proper job I am engineering degree but no skills pls help me I am worried about my future and family

Ans: No skills and engineer degree, did you buy or study for it.
There's no quick fix on life analyse the reason for the current situation.. Address it positively.. You will be back on track... Send resume directly to website of companies, go to careers apply!?

However if you need professional advice happy to assist.. https://m.me/maxim.emmanuel.2024

Krishna Kumar | Answer |Ask -Follow

Workplace Expert - Answered on Jun 04, 2024

Question by Arti - Jun 04, 2024Hindi

Career

Respected sir I m 35 year. I m computer teacher in private school. Salerry very few 5000 only. I have a daughter her 4 year old .Now my family economic conditions is not good. My hasband well qualified. His education M.com but he has jobless. Please ask what can I do. Now we get into debts.

Ans: Hello Maam

I can understand your situation, please keep the spirit highs.

Here are some options:

- Start as office admin in some company
- Learn Accounting package like Tally and seek job with CA firm
- Take Tutions for kids
- Explore teacher assistant in MBA college as free lancer

Search free lancing job opportunities. All the best.

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My Daughter is studying ISE 12th Std with Science PCB (without maths). She is not interested in NEET. what are the options after +2. kindly suggest.

Ans: Let her go for the emerging line BIOTECHNOLOGY.Regards.Professor

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Insurance, Stocks, MF, PF Expert - Answered on Mar 12, 2025

Question by arvind - Mar 12, 2025Hindi

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Hello Sir, I am having a MAX Life insurance for investment of 5 years and total policy time is 20 years it is having allocation as Balanced Fund -15.65% Secure Fund - 15.70% Money Market Fund II- 15.69% Nifty Alpha 50 Fund - 26.60% Nifty 500 Momentum 50 Fund - 26.60% I want balance the allocation for long term investment as current stock market is volatile. Please help.

Ans: Hello;

What is your current age and risk profile type?

Please clarify.

Thanks;

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Question by Avijit - Mar 11, 2025Hindi

Money

I am 64 yrs old retired person, having worked for 11 years in a private firm from Feb 1998 to Sept 2008. There was no UAN no introduced at that time. After leaving, I withdrew EPF contribution, however towards contributions to EPS I received Pension Scheme certificate for drawing pension after attaing 58 yrs. I attained 58 yrs in Oct 2018, but didn't apply for pension & neither for Scheme certificate with arears. I worked in 3 more private companies for less than 10yrs in each company & withdrew PF contribution after leaving. Finally in Oct 2020 I retired from the last company after putting in 9.5 yrs service with a UAN no. & claimed back the PF & Pension contribution made during the tenure. Please advise as to how i can claim back my EPS Scheme Certificate along with the arears for the period 2018 when I attained 58 yrs till date & also regularize monthly pension. Kindly guide & help, as i am in severe financial crisis but since last 2 years running pillar to post for assistance, but failed.

Ans: Hello;

Please elaborate your job history after September 2008 with EPF/EPS contribution/membership status.

Thanks;

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Insurance, Stocks, MF, PF Expert - Answered on Mar 12, 2025

Asked by Anonymous - Mar 12, 2025Hindi

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I was duped of some 8L rs by fraudster and had completed the legal process where in court has ordered indusind bank and bank of Maharashtra to refund me money which is held by them..it been more than month since order was issued still no update is available from bank regarding credit back of the amount in my account.what next I should do..

Ans: Hello;

Send a reminder notice to the banks seeking time bound implementation of the Court order.

Either they may be preparing to appeal against the lower court order or it may be just a case of procedural delay.

Await their feedback before escalating to the court.

Best wishes;

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Question by P - Mar 11, 2025Hindi

Money

My loans have crossed 40 lakhs and i dont have job. I dont know what should i do as i do not have any money to pay back. I am taking loans to repay interest for old loans.

Ans: Hello;

Sell some of your asset like land, gold or vehicle to repay the loan on priority.

Don't borrow to repay existing loans. Restructure the loans or seek a moratorium till you get a job.

Borrow funds from family and friends explaining your mistakes and promise to repay once you get another job.

Keep in mind the old saying to cut your cloth as per your size and act accordingly.

Best wishes;

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Question by Vashu - Mar 12, 2025Hindi

Career

Sir I have 98 percentile in jee mains obc-ncl category uttar pradesh can I get cse or ecce in NIT

Ans: With 98 percentile in JEE Mains and OBC-NCL category, you have a very good chance of getting a seat in NITs for CSE or ECE. However, the exact NIT and branch will depend on the JoSAA cutoff ranks. See previous years' cut off

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Question by viky - Mar 12, 2025Hindi

Career

If I failed in class 12 in one subject this year. but passed in jee mains. can i still give advanced? considering that I will pass boards in compartment exams with minimum of 75%. Compartment will be in July and its result gets declared in August. Even if im eligible, wont it affect my councelling process. as it is in june july only?

Ans: Hello Viky
You are eligible for JEE (Adv) and there will be no effect on the counseling process provided that you must fulfill all the criteria laid by the IIT institutions.

Follow me, if you like the reply.
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Question by Accounts - Mar 12, 2025Hindi

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My son percentile in jee mains 2025 is 98.55 general Delhi school please tell any nit dtu on any other prestigious institute for cse

Ans: Hello Accounts
Your son has a chance to get admission to NITs or IIITs preferably in CSE or computer-related branches. Best of luck to your son.
Follow me, if you like the reply.
Thanks
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Tax Expert - Answered on Mar 12, 2025

Asked by Anonymous - Feb 17, 2025Hindi

Money

Through joint development agreement with developer,new flats after construction are provided to landowners in lieu of 30% of land provided to developer .There is no cost involved to the owner.What will be tax implications including capital gain for landowner?

Ans: Landowner is liable to pay Income Tax for the portion he is surrendering to the builder. Sale Consideration will be considered as value of developed area on stamp duty rate, you have retained after its Redevelopment.
Most welcome for any further clarifications. Thanks.

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Question by Raj - Feb 18, 2025Hindi

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i have a flat in mumbai which has gone for redevelopment. out of total area i am surrendering 400 sq feet to builder. will my money be liable for Income tax

Ans: Yes. You are liable to pay Income Tax for the portion you are surrendering to the builder. Sale Consideration will be considered as value of developed area on stamp duty rate, you have retained after its Redevelopment.
Most welcome for any further clarifications. Thanks.

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