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Should I concentrate on working hard or befriend everyone for success?

Parthiban T R

Parthiban T R   | Answer  |Ask -

Career Counsellor - Answered on Jul 26, 2024

Parthiban TR, a former professor, has been working in the fields of training and learning development for over 17 years.
As a career counsellor and mentor, he has been tutoring students from Classes I to XII (predominantly CBSE), UG (engineering) and others for nearly a decade.
He has worked as a lecturer and professor at the Kuppam Engineering College, Kuppam; the NRI Group of Institutions in Bhopal; and the Bhopal Institute of Technology and Science in Bhopal.
Parthiban qualified for GATE in 2002, 2011 and 2013 and has been training aspirants to prepare for NEET-UG and IIT-JEE.
He holds a bachelor's degree in computer science and engineering from the Guru Ramdas Khalsa Institute of Technology College in Madhya Pradesh and a bachelor's degree in education, specialising in physics and mathematics, from the Sri Venkateswara University, Tirupati.... more
Asked by Anonymous - Jul 19, 2024Hindi
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Career

As you said that I want to word hard, yes you are right but you have to concentrate on it, always befriend to everyone one you associated with, if you need any sort of help, kindly let me know anytime , I am always open to help as I can in connection with the growing attitude of the person like you. Ok thanks

Ans: Congrats.GBU.
Career

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Hello Anu. I hope you are doing well. I follow your column and read your posts. I have a different issue. I am single and 30+ years. I have no complaints as I did not find any suitable guy to marry. I had a happy and busy life before Covid. However after Covid, lockdown and this work from home life has become monotonous. I not only lost my uncle due to depression but lost my friends due to fights and misunderstanding. I believe in giving importance so I tried to patch up with my friends but they prefer to break all the connections and move on. I have always had a thing for respect and to be valued. I moved away too coz I felt it was the right thing to do but somewhere it hurts me a lot that I am not able to hold on to my friends who knew me for so many years. How can someone get abandoned and not want to talk and sort things out? I feel I am overthinking it when the others are not even bothered or thinking about me or it. I really want to move away and focus on my life and career. I try doing it but many times there are so many things that reminds me of them and I get stuck and emotional again. I am trying some meditation and journaling but it does not seem to clear my mind.Hence I thought of checking with you. Let me know if you have any advice for me.
Ans:

Dear MS,

Time to make amends?

You clearly seem like someone who likes being around friends and has allowed a bit of ego take over, which has perhaps pushed them away.

So go back to them! Make amends, apologise for what’s happened and tell them how much you value their presence in your life.

Focus on what is good in them and what they bring into your life. No one is perfect; expecting them to behave in a certain manner and letting your pride come in the way will push them away.

Even if you move away from them and make new friends, the same thing will happen again as there is a part of you that expects something they can’t do or be.

It's time to look within and make some subtle and useful changes so that people are attracted to that person in you who is fun and compassionate.

Also, you can continue with journalling and spend time listing down the best qualities in each of your friends.

This will help in celebrating them for who they are and it really makes you feel good from within. It works!

Best wishes!

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Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

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Hello Anu. I hope you are doing well. I follow your column and read your posts. I have a different issue. I am single and 30+ years. I have no complaints as I did not find any suitable guy to marry. I had a happy and busy life before Covid. However after Covid, lockdown and this work from home life has become monotonous. I not only lost my uncle due to depression but lost my friends due to fights and misunderstanding. I believe in giving importance so I tried to patch up with my friends but they prefer to break all the connections and move on. I have always had a thing for respect and to be valued. I moved away too coz I felt it was the right thing to do but somewhere it hurts me a lot that I am not able to hold on to my friends who knew me for so many years. How can someone get abandoned and not want to talk and sort things out? I feel I am overthinking it when the others are not even bothered or thinking about me or it. I really want to move away and focus on my life and career. I try doing it but many times there are so many things that reminds me of them and I get stuck and emotional again. I am trying some meditation and journaling but it does not seem to clear my mind.Hence I thought of checking with you. Let me know if you have any advice for me.
Ans:

Dear MS,

Time to make amends?

You clearly seem like someone who likes being around friends and has allowed a bit of ego take over, which has perhaps pushed them away.

So go back to them! Make amends, apologise for what’s happened and tell them how much you value their presence in your life.

Focus on what is good in them and what they bring into your life. No one is perfect; expecting them to behave in a certain manner and letting your pride come in the way will push them away.

Even if you move away from them and make new friends, the same thing will happen again as there is a part of you that expects something they can’t do or be.

It's time to look within and make some subtle and useful changes so that people are attracted to that person in you who is fun and compassionate.

Also, you can continue with journalling and spend time listing down the best qualities in each of your friends.

This will help in celebrating them for who they are and it really makes you feel good from within. It works!

Best wishes!

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Image Coach, Soft Skills Trainer - Answered on Jul 18, 2024

Asked by Anonymous - Jun 23, 2024Hindi
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Hello sir/mam.I am 19 yr old female. After joining a tier-3 college because of financial reasons comprimising as less fees. I thought i can work hard on own and reach the top. Since i am very bad at talking to others regarding any topic, i joined this circle of friends who seemed very extroverted and try new things. Ive always had very career driven mind but i also craved friendships so i befriended them But I am confused about my own thoughts. All of them are real, and would never leave me at my lowest. i never had such friends. But they always roast me for fun and i have always been okay. Sometimes it hurts but i ignore cuz its only for fun and mainly they are not selfish. But at the same time i always find myself in same level. They say u should be around people who have growth mindset. I believ same but my frnds are not like that. And i just find alone in that only aspect(careerwise) . Since i give relationships important i am not taking ghis frnd circle issue seriously And this concerns me
Ans: Hey cheer up, if you are giving importance to relationships, you are in a great space, you are doing the right thing. The quality of your life is based on the quality of your relationships and the choices you make. In my life coaching classes I have to teach some people to focus on relationships...you are not one of them, so good going.
After reading all that you have to say, these are my conclusions-
1.your friends are good, but they roast you and it hurts- the roasting is good as long as it doesn't hurt, a little bit of leg pulling is alright among friends. So when it hurts, you need to draw boundaries. Get on a one on one chat with the friend whose remarks hurt you, tell her/him that it is "not ok" and that "it hurts", "it makes you feel underconfident"( whatever you genuinely feel). You have to be assertive communicator( someone who respects others and also themselves), here!!
2. You want to mingle with ppl who have a growth mindset, do that, join groups that have this as their agenda. You know this set of friends can't give you that, so you look elsewhere.
3. You said "you are not good at talking and hence joined this set of extroverted friends", has this solved your prob? Have you become better at talking? If yes, then continue to meet them...if NO then time to let go....continue to meet them for other reasons, you yourself said that they are real and won't let go of you at your lowest, then they are real friends. Continue to nurture these friends but don't relay on them for your needs of growth and good communication skills.
4. you said, "I thought i can work hard on my own and reach the top", this is still right, ask for help where you need, develop your personality and soar high.

All the very best to you

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Milind Vadjikar  |642 Answers  |Ask -

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Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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I am seeking guidance on my current financial situation. I am 50 years old, with a net take-home income of 1.42 lacs per month, while my wife earns approximately 75k monthly. We have two daughters pursuing higher education, with annual fees totalling 6.10 lacs. In the wake of the COVID-19 pandemic, I faced a significant setback when I was unable to pay my home loan EMI, leading me to opt for a moratorium. Despite having already paid approximately 43.85 lakhs towards my home loan of 58.50 lakhs taken in 2017, the principal outstanding has astonishingly increased to 59.45 lakhs. I now find myself committed to an EMI of 65,000 monthly, further straining our financial resources. To cover both my daughters first-year college fees, I took out a gold loan of 5.5 lakhs, for which I currently pay 50,000 a month. I had invested in a family health insurance policy with Star Health, covering 10 lakhs, but due to poor service I stopped paying my premium, which had an accrued value of 17.50 lakhs. I hold a provident fund account with a balance of 2.5 lakhs. I am concerned about planning for my elder daughter's wedding in the next 2 to 3 years and my retirement. I would appreciate any advice or strategies you could provide to help me navigate this situation effectively.
Ans: Hello;

Try and understand from the home loan lender as to how 59.45 L principal is overdue despite paying a sum of 43.85 L, despite factoring 80% of this as interest payment, the overdue principal should be below 50 L.

Double check if this is as per the terms of moratorium.

If you are not satisfied with replies from the lender escalate the matter to the highest authority at lender or RBI.

Lender can't behave irrationally just because you availed moratorium during COVID.

In my view you should have just sold the gold rather then taking loan against it.

That way you could have lessened EMI burden on your finances and ensured investments for retirement and other goals.

Unfortunately we have a tradition of attaching emotional value to precious metals and real estate.

The best "jewellery" you can offer to your kids is good education, which you have already done.

In matters of health insurance never discontinue a policy due to dissatisfaction with the insurer, port it to another insurer, 1.5/2 months before the renewal date so that your benefits remain intact. Now you may be need to find another health care insurance.

You may begin a monthly sip of 25-30 K in diversified large cap oriented mutual fund for 5 years.

Also give a thought to NPS, you can contribute till 70 age, for retirement pension.

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I am 42 years old male currently working as a software engineer in a private company and drawing 1.1 lakhs per month. I have 2 school going kids. My monthly expenses are around 80K per month including rent. I don't have any personal property in my name. I have invested 50L in postal term deposit(yearly payout), 20L in Shriram transport finance FD(monthly payout), 11 lakh in HDFC balanced fund dividend(monthly payout), 6L in bank FD(monthly payout) all in my wife's name. I have invested 28L in my HUF account against Shriram Transport Finance FD (monthly payout). I have around 20L in EPF and Gratuity. I have around 8 lakhs in miscellaneous Mutual funds with a monthly sip of around 36K. Most of my investments pay me monthly return except this SIP. I have done so as software job is very fragile which can go any time. However I have maxed out on the return I can take per year on my wife's head (7L) and HUF(2.5L) without tax liability. Please advise how I can invest further to get returns so that I can quickly withstand any job loss.
Ans: Hello;

You have already made sufficient provisions to survive a job loss because your passive monthly income is now almost covering your monthly expenses.

But if you need added back-up you may keep expenses worth 6 months(@ 5 L) in a liquid type mutual fund.

Focus on 3 goals;
1. Children's education
2. Retirement
3. House

If you again keep investing in fixed income bearing instruments then you may not be able to grow a corpus to fund these goals.

A mutual fund sip(36 K) is a step in the right direction. I believe these are scheme with Growth option.

Hope you have EPF/NPS/PPF investments as well.

Happy Investing;

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