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Archana Deshpande | Answer |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Mar 27, 2024

Archana Deshpande, the founder of TransformMe Life Skills Coaching, is an image consultant, soft skills trainer and life coach.
She has been working with individuals and corporate organisations for more than 10 years during which she has helped professionals and students improve their soft skills, build confidence and enhance self-esteem.
An engineer from the PDA College of Engineering, Gulbarga, Archana had a successful career at Reliance Communications. But she has always been interested in teaching and training people. So she pursued a postgraduate diploma in teacher’s training at Pune’s Symbiosis Institute of Management Studies followed by teaching assignments in schools at Visakhapatnam and Mumbai.
Archana also holds an international certificate in image consulting and soft skills training from the Image Consulting Business Institute, Mumbai.... more

Question by Veeraraagavan on Mar 27, 2024Hindi

Career

No harm in learning GST from the internet which I have done. Please note internet learning is thoery. To learn practical you should be employed in a company that uses gst. My present company does gst through the auditor and does not allow us to do so. If I want to learn gST practically I should join one of these companies doeing or having gst but above 40 or 45 years no companies are ready to appoint me. How then do I get to learn practical GST. Try to understand . Without getting appointed in a company I can not do practical GST. Only theory is just not enough. There are companies which require someone to do practical GST filing but they have an age limit for appointment as an accountant. GST on internet gives only theory . Practical has to be done sitting in a company and having the GST user id and password for which you should be employed for which there is an age limit

Ans: Hi!! I am understanding your point of view. Pls communicate this to your wife, have a happy ,peaceful, harmonious life together, both of you deserve this! All the best!

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Archana Deshpande | Answer |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Mar 26, 2024

Question by Veeraraagavan - Mar 22, 2024Hindi

Career

My wife is 64 years old and housewife but she has a small building gifted to her by her brother and two engineering units work there on rental basis of Rs.20000 totally per month. Though I have 42 years experience in accounts earlier to this company i worked on VAT. On joining this present company now it is GST and our company auditor handles it. Now my wife blames me why I am not conversant with GST. I am not able to get alternative job because of my age. Placement services dont entertain candidates above 45 to 50 years of age. Only alternative is to keep my ears closed and do my present job till I my company allows me to work. I am a father of two daughters, both of them have completed their college education got married and settled down. Now Only my wife and myself life in a rented house and my second daughter lives next to our house.

Ans: Whatever you have written here, can you pls sit down with your wife and explain it to her! You are already working and earning money. You and your wife at this stage in life deserve to be living a life of mutual love and respect! Talk to her and tell her so.. after raising two beautiful girls and having settled them well, you both deserve to live a life in peace!
If you still can learn about GST, no harm in it , right? Any learning will never go waste, moreover in today’s time you can learn anything from the internet!
Look at the reasons why your wife is nagging you, she must be unhappy somewhere, take care of her emotional needs and well being, praise her for the things she does for you or has done in the past! Communication is the key here, both of you deserve to live a happy life! Make her financially literate, both of you sit down and list out your needs and desires! Chalk out a plan to achieve them together, you both are a team, it’s time you work as a team against any problem that comes your way!!Remember, love, respect and communication is the key for a harmonious life ahead! All the best…

Vivek Lala |323 Answers |Ask -Follow

Tax, MF Expert - Answered on May 19, 2024

Asked by Anonymous - May 14, 2024Hindi

Money

HELLO SIR IM A BCOM GRADUATE WITH CA INTER QUALIFICATION AND DOING CA FINAL .. I WOULD LIKE TO EARN MONEY ECSPLY THROUGH ITR ;GST ;TDS FILING . CAN U PLS GUIDE ME ..how to earn money through GSTR FILING

Ans: Hello, please focus on your articleship and learn as much as possible. Once you become CA, the possibility to make money is endless, but getting the degree and the knowledge should be your first priority
You can connect with me on LinkedIn to get more guidance on the same
https://www.linkedin.com/in/ca-vivek-lala-21a2038b?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app

Latest Questions

Dr Shyam Jamalabad |112 Answers |Ask -Follow

Dentist - Answered on Jan 23, 2026

Asked by Anonymous - Jan 22, 2026Hindi

Health

My wisdom tooth is biting into my cheek. I am 41 but the tooth is still growing. It is causing a lot of discomfort. At what age does wisdom teeth stop growing? Should I fix it or get it removed? Pls suggest. I have already spent a lot of money trying to fix it every few years.

Ans: Hello

Wisdom teeth usually "stop growing" by the age of 25, provided they are properly aligned and there's sufficient space for them to erupt. But, more often than not, they are not properly aligned or there may not be enough space for them.
Curiously, teeth never actually stop growing unless there's something blocking their growth. Like an opposing tooth, for instance. If an upper tooth is extracted and not replaced with an artificial tooth, the opposing lower tooth can theoretically keep growing into the empty space above.
Your wisdom tooth is improperly aligned and hence will continue to grow indefinitely.
Since you mentioned that it's been troubling you for several years, my advice would be to get it extracted

Purshotam Lal |79 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 23, 2026

Asked by Anonymous - Jan 21, 2026Hindi

Money

Hi Sir, I am 46 years old with a Wife and a daughter (12 years old). Planning to retire by age of 50. Current net worth includes - Stock Market portfolio (including Stocks, MFs, PMS) - INR 3 CR, 2 Flats worth INR 4.5 CR without any home loans. Long Term investments like NPS, Sukanya Samruddhi, LIC, EPF/PPF etc - 1 CR, FDs- 20L, Gold (Physical +ETF) - 70L. Current Monthly expenses - 60-70K per month. Now, I understand that my daughter's Graduation and PG education expenses may cost anywhere around 1CR (inflation included). Also the medical/health expenses will be required too. Considering all of the above, how do you recommend I can plan for retiring at 50? I do plan to stay invested in equities for long term even after retirement. Thanks for your advice.

Ans: Thank you for the query. Congratulations. You seems to have already planned well for post retirement period. However, You have not shared your current income details at present, Passive income after proposed retirement age and whether any of your house property has been rented out. Also not given monthly investments etc. Hence unable to offer my comments on overall financial position. It is suggested to connect with a Certified Financial Planner (CFP) and share your full details and discuss your life goals etc. CFP and you both can sit together and arrive at a proper retirement planning. All the best.

Purshotam, CFP®, MBA, CAIIB, FIII
Certified Financial Planner
Insurance advisor
www.finphoenixinvest.com

Purshotam Lal |79 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 23, 2026

Question by Satyam - Jan 21, 2026Hindi

Money

I have lic jeevan saral policy 165 from July 2011 for 15 years with life coverage of Rs500000/- . Age at the time of policy 51 and half Yearly premium Rs 12130/ Please inform maturity value at July 2026

Ans: Thank you for the query. I suggest you to kindly contact your Agent or LIC Branch in this regard.

Dr Shyam Jamalabad |112 Answers |Ask -Follow

Dentist - Answered on Jan 23, 2026

Asked by Anonymous - Jan 21, 2026Hindi

Health

My wisdom tooth isn't hurting, but food keeps getting stuck and the area smells bad. Google scared me with infection stories, while some people say don’t remove it unless there’s pain. I’m genuinely confused. Should wisdom teeth be removed proactively or only when they cause problems?

Ans: Hello

I understand why you’re worried - food getting trapped and a foul smell can be very unsettling, but no pain doesn’t automatically mean you can avoid a dentist's visit. If the tooth is partially erupted or impacted, it creates a pocket where bacteria thrive, which explains the odor and can lead to gum inflammation or a low?grade infection. Many dentists recommend _proactive_ removal when they see a high risk of future issues (crowding, decay, cysts) even without pain. On the flip side, if it’s fully erupted, easy to clean, and not messing with your bite, your dentist might just monitor it and suggest a good hygiene regimen (floss, mouthwash, water?flosser).

My advice is to get an X?ray and a dentist’s opinion. If they spot infection signs, cysts, or trouble cleaning, they’ll likely suggest extraction. If it’s clean and you can keep it infection?free, you can wait and watch.

Dr Shyam Jamalabad |112 Answers |Ask -Follow

Dentist - Answered on Jan 23, 2026

Asked by Anonymous - Jan 21, 2026Hindi

Health

I brush twice a day and floss most nights, but I still keep getting cavities. My dentist says it could be my enamel or saliva, which honestly confused me. I also drink lemon water every morning thinking it’s healthy.

Ans: Hello

You're one of very few people I know who brush and floss their teeth regularly. Keep it up!
It's important to note, however, that your brushing technique is also very important. Not just how frequently you brush.
It's possible your enamel is weak or poorly calcified which could be the reason why you keep getting cavities. If you had a calcium deficiency during childhood - when your teeth were developing - it's likely that your tooth enamel is hypocalcified and hence more prone to decay.
Saliva, like your dentist suggested, can also play a role. Acidic saliva can erode and weaken tooth enamel.
Fresh lime has a similar harmful effect on your teeth. You should at least rinse your mouth thoroughly after drinking lime water so that traces of it don't remain.

Samraat Jadhav |2545 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 23, 2026

Question by Vivek - Jan 23, 2026Hindi

Money

I want to invest in Va Tech Wabag till June 2026 , Please suggest ?

Ans: its overvalued and if 1000 is broken then it can have further fall till 750, the only hope is that something good comes in budget but chances are less, hence its better to avoid this company.

Dr Upneet Kaur |77 Answers |Ask -Follow

Marriage counsellor - Answered on Jan 23, 2026

Asked by Anonymous - Dec 15, 2025Hindi

Relationship

How to make long distance work? My husband works in UAE and we have two kids. I am managing everything here and when we talk, there is no love or romance. Even when he comes home there are so many things lined up, we hardly get time for each other. Is this how couples become after marriage? I feel depressed but there is no one to talk to. My children take up my time but at night I feel lonely and miss him.

Ans: Hello mam. I hope you are fine and enjoying good health.
Talking about your life, i understand that it feels very lonely and weird to live a life like this. Every person has a dream that after marriage, we ll live as a couple and will enjoy.
I also understand that it may feel like a burden that you are taking care of the kids here alone and he being working there. But i think you both know that this life has been chosen by you after understanding each and every aspect.
You should take some quality time it may be on phone. Don't talk about your kids ir problems.on phone. Talk about yourself, about your day, your life, what you had today , where did you go today and all
Things will start improving slowly. He ll start missing you the same way you do.
I hope this helps
Take care!
Follow me on: https://www.instagram.com/dr_upneet

Dr Upneet Kaur |77 Answers |Ask -Follow

Marriage counsellor - Answered on Jan 23, 2026

Question by SP - Dec 11, 2025Hindi

Relationship

i am 42 yrs married and i married before 15yrs.My spouse cheated me before our marriage, she had a relationship with one guy.. that time i also asked her abt this guy but she not told me anything. and second day of my marriage i came to know that she cheated me.i completely broke down and i told her don't leave with me. go to your home. but she said i didn't know how this happened and i was very sorry for my mistake and i will never do it again in my life.. now its almost 15 yrs went away but still i unable to forgot what she done with me. we have two kids. Since the day i warned her before 15 yrs still today she listen everything i want, every words, whatever she want to do she always took my permission. but still i unable to forgot her past. she cheated me that time... whenever i thought abt her i felt nervous and its effect on work.. what should i do

Ans: Hello sir. I hope you are in good health.
Talking about your life, i would like to tell you one thing. Whatever your wife did it was before marriage. It was not after marriage . So it cannot be taken as cheating.
Secondly, she accepted and promised that she ll not do it again and she kept her promise.
Thirdly as per you she takes your permission wherever she goes, she informs you everything. All this she is doing just to regain trust. I think you should forget the past.
Holding on to past will bring you nothing. Pain and problems badhengi kam nahi hongi. Apne bacho pe, apni family pe and apne kaam pe dhyan de and apni life enjoy kare.
I hope this solves the problem
Take care!
Follow me on: https://www.instagram.com/dr_upneet

Dr Upneet Kaur |77 Answers |Ask -Follow

Marriage counsellor - Answered on Jan 23, 2026

Asked by Anonymous - Jan 06, 2026Hindi

Relationship

My boyfriend's mom is very possessive. Whenever we are together she finds a reason to interrupt or call him away from me. When we go out, she constantly checks on where he is, what we are doing, and how long we will be together. I feel like there is too much interference. He is 31, I am 27. We are both financially independent. But there is no space for us to build our relationship without his mom being involved in our lives. I understand her concern as a mother, but this level of control makes me feel invisible and sidelined. I'm worried how this will affect our relationship if we continue and take it to the future?

Ans: Hello mam..I hope you are fine. Well, coming to your problem mam. We live in a country where it is considered very normal to interfere in each other's life. Be it siblings or children or for that matter anyone. So as per our society this behaviour is very normal for your boyfriend's mother. But on the other hand, in this era this generation is somewhat more independent and don't like interference. If she is interfering too much, your boyfriend should also feel this and he is the only one who can draw boundaries and can ask his mother to stop being controlling.
You should not directly hit this on your boyfriend. Rather talk to him regarding this in a very polite and convincing manner so that he can take care of the matter. But if he feels that her mother's behaviour is ok then also you need to discuss and convince him about your privacy. If you want to take this relationship further then you need to correct the things beforehand.
I hope this solves your problem.
Take care
Follow me on : https://www.instagram.com/dr_upneet

Radheshyam Zanwar |6783 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 23, 2026

Question by Vaishnavi - Jan 22, 2026Hindi

Career

Ai field me jane ke liye MHT- CET me kitna score chahiye

Ans: MHT-CET is not compulsory to enter the AI field. You can enter via a B.sc. in Computer. Score at least 180-190 in MHT-CET to get admission to a tier 1 college, either in the Computer or Electronics branch, to fulfil your dreams. But if you are financially sound, you can get admission to any private college with the lowest score also via management quota.

Good luck.
Follow me if you receive this reply.
Radheshyam

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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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