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Khevna

Khevna Shah  |16 Answers  |Ask -

HR Expert - Answered on Apr 10, 2023

Khevna Shah is the head of human resources at Coverfox Insurance. She has 14 years of experience in human resources across industries like manufacturing, banking & financial services and insurance. Her expertise includes talent acquisition, retention, employee engagement and developing a performance focussed culture.
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Riki Question by Riki on Mar 26, 2023Hindi
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Career

Hello madam, I have a question. I work in a bank as an officer. The problem that i feel i myself am having is i do not talk much or say the least at my workplace. For this reason people start misunderstanding me. But by nature i am introvert. Please help

Ans: If you are an introvert and wish to stay so, that is fine... every workplace has different personalities and that shouldn't be a reason for others to misunderstand you.

But if you do want to work on that aspect, you can do small exercises to help you work towards extroversion. You can consciously take initiative to speak up with colleagues over lunch or coffee breaks and build rapport with them. Think up a couple of topics in your mind beforehand so that you feel more prepared.


It does take a while to get out of your comfort zone but take small steps and you should be there.
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Anu

Anu Krishna  |977 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 21, 2023

Asked by Anonymous - Jul 20, 2023Hindi
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Relationship
hi , I am a 40 year old man with 2 kids and wife , aged parents .Financially and health wise i am doing good and working in a reputed mnc. My relationship with parents , wife ,kids and siblings is in good spirits . however i am an introvert and don't have many friends .while i had friends in childhood and youth however they have moved in there life .i want to have an improved social life and also have joined a course to improve social skills and more strong relationship socially and at work . As course suggest to approach people , however i still don't approach/talk to people when opportunity is there .i also tried to have more positive attitude towards other people ..however still sometimes i start criticizing them in my mind...and sometimes i feel that approaching /talking may belittle me in front of them,,,, and talking /approaching opposite sex is even more difficult ... any suggestion to improve on this part and how i can improve my social life and get/find company of like minded people .
Ans: Dear Anonymous,
Two things to understand here:
1. You are an introvert and you are happy being one
2. You are a forced introvert as you are unable to break the walls that you have put around you.

If you belong to the first category, enjoy the state of bliss as is. But from what I gather, you seem to falling under the second category wherein you want to expand your social circle and be a part of activities etc.
Then you have to put yourself out there.
1. Do understand that as much you want to be engaged with like-minded people, even these people will at some point in time think different from you.
2. Do accept people for who they are and that way you will come from a non-judgemental space while engaging with them.
3. Do connect with people who are totally different from you and it will help you expand your mind to be curious about them.

If this is a difficult thing to do...think....What if one of your children came to you with the same problem that you have now? What would you tell them to do?
Also, get into circles on social media that discuss topics which interest you. Join a gym or a hobby class and that is an avenue to make new friends irrespective of gender.
To add more friends, you need to be friendly as well...so open your heart and mind...

All the best!

..Read more

Ashwini

Ashwini Dasgupta  |70 Answers  |Ask -

Personality Development Expert, Career Coach - Answered on Sep 25, 2023

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Career
Presently I am working as a General Manager Purchase and my age is 44, I find difficult in speaking without any agenda/specific question. Even in informal dinners or just casual talks I become blank. This is same in my personal life also. Like introvert type, but this is taking a toll on my professional as well as personal. I try very hard to be fluent with people but I am not able to do it. If somebody speaks 20 line and I convey the same in 1 line. But it is boring for others. How do I improve it.... like storytelling type.
Ans: Dear Balaji,

Thank you for writing in.

First of all, stop labelling yourself (like you have mentioned in the above question "I am an Introvert type"). As humans our brains are wired to believe what information we feed to ourselves.

Second, acceptance. Accepting the way, you are. That is your strength.

Certain steps that can be considered -
- Know the agenda you are entering into. This will help you prepare in advance on the conversations you need to engage in.
If there are no agendas then you can -
- Initiate small talks. For example- talk about current affairs in the industry (avoid talking about religion or politics) as this can get sensitive. Conversation should be general in nature. This will help you break the ice with the individual.
- Asking open ended questions- such questions help you encourage others to share more information. Instead of asking yes/no questions, ask questions that require a more detailed response, such as "What was that experience like for you?" or "Tell me more about..."
- Focus on your observation- Observe your surroundings and what's happening in the environment. You can use these observations as conversation starters. For example, if you're at a restaurant, you can comment on the decor, the food, or the atmosphere.
- Share Personal Stories- Personal anecdotes can make your conversations more relatable and engaging.
-Use Body Language- Your body language can enhance your communication. Maintain eye contact, use gestures to emphasize points, and smile when appropriate to convey warmth and engagement.
-Don’t hesitate to seek for professional help- If you feel that your difficulty in engaging in conversations is causing significant distress or impacting your personal and professional life, consider seeking professional help. This should help you navigate with the tips and tricks.

Hope this helps.

All the best

Ashwini Dasgupta
To your Success. Be You. Be Confident
Author of Confidence Decoded- Is it a Skill or Attitude?

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Shekhar

Shekhar Kumar  |145 Answers  |Ask -

Leadership, HR Expert - Answered on Apr 29, 2024

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Career
I am working as Branch Manager in Bank. My nature is more talkative and also due to my job many customers are meeting me. This fact increases my talkative nature and due to this though customer is satisfying my working time get reduced and I can't do my office work. Please advice about how to overcome this.
Ans: It's great that you're aware of the impact your talkative nature has on your work efficiency. Here are some strategies to help you manage your talkative tendencies while balancing customer satisfaction and your office responsibilities by establishing clear boundaries for your interactions with customers. While it's important to provide excellent customer service, set limits on the length and depth of conversations to ensure you can prioritize your office work. Allocate specific time slots during your day for customer interactions and office tasks. Use techniques like time blocking to schedule dedicated periods for meeting with customers and focusing on your administrative duties. Identify your most critical office tasks and prioritize them based on importance and urgency. Focus on completing high-priority tasks during designated office hours, and schedule customer meetings around these priorities. Delegate certain customer interactions or administrative tasks to your team members or support staff. Empower your team to handle routine inquiries or transactions, freeing up your time to focus on strategic priorities. When engaging with customers, practice active listening to understand their needs and concerns effectively. Summarize key points and address their inquiries efficiently to prevent conversations from veering off-topic. Clearly communicate your availability and office hours to customers. Set realistic expectations regarding response times for inquiries or follow-ups, and inform customers of alternative points of contact for urgent matters. Implement visual cues or signals to indicate when you're available for conversations with customers and when you need uninterrupted time for office work. For example, use a "Do Not Disturb" sign or closed office door during focused work sessions. Reflect on your communication habits and identify triggers or patterns that contribute to excessive talking. Practice self-awareness and mindfulness techniques to manage impulsivity and maintain focus during work hours.

Consider participating in workshops, seminars, or training programs focused on time management, communication skills, and customer service excellence. Develop strategies and techniques to enhance your effectiveness in managing customer interactions and office responsibilities.

By implementing these strategies and techniques, you can strike a balance between providing excellent customer service and fulfilling your office duties effectively. Remember that managing talkativeness is a skill that can be honed over time with practice, self-discipline, and a proactive approach to improving your work habits.

..Read more

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Moneywize

Moneywize   |122 Answers  |Ask -

Financial Planner - Answered on Jun 25, 2024

Asked by Anonymous - Jun 13, 2024Hindi
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Money
Ours is a family of 3 people -- My wife, I and my daughter who is 15. I am 39, my wife is 37 and our monthly expenses are Rs 90K. I own my house and expect to have no fixed income after 65 years, and expect to live till 75. Considering the ever increasing price rise what should be my corpus at 65 for me to continue living the life style I am living today?
Ans: Calculating your retirement corpus:

Here's how to estimate the corpus you'll need to maintain your current lifestyle after retirement:

1. Retirement period:

You plan to retire at 65 and expect to live till 75. So, your retirement period is 75 - 65 = 10 years.

2. Inflation adjustment:

You've rightly considered inflation. To estimate future expenses, we need to factor in inflation. A safe assumption for India is 5-7% inflation. Let's take an average of 6%.

3. Current monthly expenses:

You spend Rs 90,000 per month currently.

4. Future monthly expenses:

To find the monthly expense at retirement (at 65), we need to consider inflation for 26 years (39 years till retirement + 10 years retirement).

You can use an inflation calculator online or a simple formula:

Future monthly expense = Current monthly expense * (1 + Inflation rate)^number of years

In your case, Future monthly expense = Rs 90,000 * (1 + 0.06)^26 ≈ Rs 3,28,550 (approximately Rs 3.29 lakh)

5. Total corpus calculation:

Now you can calculate the total corpus needed. Here's a common approach:

Total corpus = Monthly expense * Number of years in retirement * 12 (months)

However, this method doesn't consider the fact that you'll be withdrawing money every month, reducing the corpus. A more accurate method is using the Time Value of Money (TVM) concept. There are online TVM calculators or Excel functions you can use.

Here's an alternative approach that provides a reasonable estimate:

Multiply the future monthly expense (Rs 3.29 lakh) by a factor considering inflation over the period. This factor can vary depending on your risk tolerance and investment strategy. A factor of 200 is often used as a conservative estimate.
Total corpus = Rs 3.29 lakh/month * 200 (factor) = Rs 6.58 crore (approximately Rs 658 million)

Additional factors to consider:

• Daughter's future expenses: Your daughter will be an adult by the time you retire. While she won't be financially dependent, consider any potential future support you might want to provide for her education or marriage.
• Healthcare costs: Healthcare expenses tend to increase with age. Factor in potential medical needs during retirement.
• Debt: If you have any outstanding debt by the time you retire, you'll need to account for its repayment in your corpus calculation.
• Investment returns: The corpus amount assumes a certain rate of return on your investments. Research different investment options and their potential returns to refine your calculations.

Recommendation:

Consult a financial advisor for a personalised retirement plan considering your specific financial situation, risk tolerance, and investment goals. They can help you create a more comprehensive plan and suggest suitable investment strategies to achieve your corpus target.

Remember, this is an estimate. Regularly review your plan and adjust it based on changing circumstances.

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Mayank

Mayank Chandel  |1003 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jun 24, 2024

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