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R P

R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Aug 03, 2023

R P Yadav is the founder, chairman and managing director of Genius Consultants Limited, a 30-year-old human resources solutions company.
Over the years, he has been the recipient of numerous awards including the Lifetime Achievement Award from World HR Congress and HR Person Of The Year from Public Relations Council of India.
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niranjan Question by niranjan on Aug 02, 2023Hindi
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Career

what is the remedy for fear of Job uncertainty

Ans: if you perform your job with utmost sincerity, knowledge and skill.
You are never going to loose your job.
Career

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Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

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

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Relationship
How to overcome fear in life
Ans: Overcoming fear is a personal and gradual process, but here are some strategies that can help:

Identify and acknowledge your fears: The first step in overcoming fear is to identify what you're afraid of and acknowledge its presence in your life. Take the time to reflect on the specific fears that hold you back and recognize that they are valid emotions.

Understand the root cause: Try to understand the underlying reasons behind your fears. Sometimes fears stem from past experiences, trauma, or limiting beliefs. By gaining insight into the root causes, you can begin to address them more effectively.

Educate yourself: Knowledge is power. Often, fear arises from a lack of understanding or unfamiliarity. Educate yourself about the things you fear. Whether it's a specific phobia or a fear of the unknown, gathering information and learning more about the subject can help dispel irrational fears.

Take small steps: Overcoming fear doesn't mean completely eliminating it overnight. Start by taking small steps towards facing your fears. Break down the fear-inducing situations into smaller, more manageable tasks. Gradually exposing yourself to these situations can help build confidence and reduce fear over time.

Practice relaxation techniques: Fear can trigger physical and emotional responses, such as increased heart rate, sweating, or anxiety. Practicing relaxation techniques, such as deep breathing exercises, meditation, or mindfulness, can help you manage these symptoms and calm your mind.

Seek support: Don't hesitate to reach out for support. Share your fears with a trusted friend, family member, or therapist who can provide encouragement, guidance, and a fresh perspective. Connecting with others who have faced similar fears can also be beneficial.

Challenge negative thoughts: Fear often accompanies negative thoughts and self-doubt. Challenge these thoughts by examining their validity and replacing them with more positive and empowering ones. Affirmations and positive self-talk can help reframe your mindset and reduce fear.

Embrace failure as a learning opportunity: Fear of failure can hold you back from taking risks or pursuing your goals. Remember that failure is a natural part of life and often leads to growth and learning. Embrace failure as an opportunity to learn, adjust, and try again.

Celebrate your successes: Acknowledge and celebrate your achievements, no matter how small they may seem. Each step you take in facing your fears and overcoming obstacles is progress worth recognizing. Celebrating your successes can boost your confidence and motivate you to continue moving forward.

Remember, overcoming fear takes time and patience. Be kind to yourself throughout the process, and don't hesitate to seek professional help if your fears are significantly impacting your daily life and well-being.

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Archana

Archana Deshpande  |100 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Feb 03, 2025

Asked by Anonymous - Jan 07, 2025Hindi
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I have been jobless since 2 years. During COVID, I was undergoing tremendous amount of stress due to the lockdowns & WFH. It had telling effect on me & I realized am going through depression when I joined a job which required me to work from office. I quit job a month after I joined the company where the toxic work culture had a big toll on me to the extent of instilling a fear of formal office environs in me, which continues to this day. I have become a recluse. Now I feel I should have sought professional intervention much earlier, rather than just 6 months back. I lost all confidence of turning up for interviews, leave alone joining some job. I fear & hate admitting that infront of my wife who is very temperamental & nags me consistently about job search, as much as she tries to figure out things in my life. Every day I apply to jobs but every time I fail an interview I console myself thinking that I am saved of botheration of the rigors of a job which I can't face. I don't admit to my wife so as not to infuriate her & don't trust her that she will empathise with my situation in life. Hence try to keep up with good facade. But the results never improve- I failed every interview (calls though are hard to come by) which I fully know that its because I could not give my 100 % energy. Now the reluctance is due to many factors- IT is very fast changing field; I have reached a senior level where there are many expectations on that role which I never got to nurture/grow on myself. So every interview gives me shivers: 1) About my performance 2) (provided am selected somehow) About whether I would be able to fulfill my role to my satisfaction (previous professional experience haunts me to this date). As a result of all this I very often mentally exhaust myself (worrying/ wishful)thinking of things rather than bringing myself to earn money for the family. I feel I am just doing things to fill up my day, languishing by doing things that do not bring any value- rather than positively, pro-actively doing something of my career. Due to the gap of 2 years I do not get favorable response from companies I apply to. That is a very big gap to fill & I can't talk my way into saying things like I was in depression or that I did nothing for those 2 years. That further increases my anxiety, I have grown aversion to this entire goings on. I feel direction-less & drained out all the time. Please help.
Ans: Hello!!

Let's only look at the forward path here pls.

Forget about all the failings so far... Be kind to yourself, whatever happened to you, whatever is happening now, the period of COVID did it to many.

The only way to get out of this is -
1. your willingness to see a beautiful future ahead of you
2. you have already taken the first step by seeking counselling
3. leave the habit of revisiting the past again, like you just said that I should have gone to the counselor earlier, don't do this, be happy you are seeing him/her now
4. you have come so far in life, give yourself some credit, you have not reached the senior position just like that, right? You have reached here with your efforts, you have done it before, you'll do it again, have faith in yourself
5. your wife is your life partner, sit across and talk to her, take her to the counselor make her understand that this a phase where you need her on your side. A facade with your wife is a NO NO, it will come out some day, it is extra strain on you and your relationship, come clean , be truthful and honest with her.
6. make self care a priority ..get your routine in order, it's your life, just don't fill your day with mindless activities, like I said one step in the future, start taking actions now.....get up early, expose yourself to the sun and nature( they are great healers), exercise, have good meals throughout the day, learn something new , join a course which will be job oriented, how about adding an MBA or any other course which will help you in your career or job search?
7. make being joyful a habit... spend time volunteering, go teach underprivileged children or where ever you feel like lending a helping hand
8. value yourself....you were not put here to suffer, take action now.

Forget the past, jo beet gayi so baat gayi( meaningless to talk about the past)... stop blaming, complaining....look into the future with energy and enthusiasm, it's your life man , take one step towards it every day.

Bless you to life your life well..

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |8009 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 19, 2025

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Money
I have taken a floating home from Axis Bank for 30 lakh last year, with a interest rate of 8.5%, i have also prepaid 5 Lakh within five months, now i have an outstanding amount of arround of 24 lakh, as the RBI reduced the repo rate, Bank is refusing to reduce interest rate from 8.5% to 8.25%. please suggest what should i do now?
Ans: You took a floating-rate home loan from Axis Bank at 8.5% interest.
You prepaid Rs 5 lakh within five months, reducing your outstanding amount to Rs 24 lakh.
RBI reduced the repo rate, but Axis Bank refuses to lower your rate to 8.25%.
Why Your Interest Rate Is Not Reducing
Banks do not always pass repo rate cuts immediately to all borrowers.
Some loans are linked to MCLR (Marginal Cost of Funds Based Lending Rate), which adjusts slowly.
New loans might be under RLLR (Repo Linked Lending Rate), which reacts faster to RBI rate cuts.
Your loan agreement decides how and when rate cuts apply.
What You Can Do
1. Ask for a Rate Reduction
Request Axis Bank to switch your loan to an RLLR-based loan.
Banks charge a conversion fee, but it might save you lakhs in interest over time.
2. Compare with Other Banks
Check other banks' home loan rates for balance transfer options.
If a bank offers a lower rate, consider switching the loan.
Ensure the processing fee & charges don’t negate the benefit.
3. Negotiate with Axis Bank
If you have a good repayment record, negotiate for a lower spread or margin.
Mention that other banks offer better rates, increasing your bargaining power.
4. Make Partial Prepayments
If you have extra savings, consider small prepayments to reduce interest burden.
Prepaying reduces the principal, which lowers total interest paid.
5. Use a Home Loan Overdraft Account
Check if Axis Bank offers a home loan overdraft facility.
You can park surplus money and withdraw when needed, reducing interest payments.
Best Action Plan
Contact Axis Bank and request a switch to an RLLR-based loan.
Compare other banks for balance transfer options.
Negotiate for a lower spread if staying with Axis Bank.
Consider prepayments to reduce long-term interest costs.
By taking the right step now, you can save a significant amount on interest payments.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |8009 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Money
I have sold a plot worth for 1.85 cr... I have bought a plot worth 1.4 cr... can i keep the remaining in my saving account for house construction or do i put the balance amount in a cgas account
Ans: Since you sold a plot for Rs 1.85 crore and purchased another plot for Rs 1.4 crore, you have a balance of Rs 45 lakh.

Capital Gains Tax Implication
Long-Term Capital Gains (LTCG): If the plot you sold was held for more than 2 years, the profit is considered long-term capital gains (LTCG) and is subject to tax.
Tax Rate: LTCG on real estate is taxed at 20% with indexation benefit.
Reinvestment for Tax Saving: You can save tax by reinvesting the gains in a residential property under Section 54F of the Income Tax Act.
Can You Keep Rs 45 Lakh in a Savings Account?
No, if you intend to claim tax exemption under Section 54F, you cannot keep the balance amount in a savings account beyond the due date for filing your Income Tax Return (ITR).
If you don't invest in a residential house before filing your ITR, you must deposit the unutilized amount in a Capital Gains Account Scheme (CGAS).
You must use the CGAS amount within 3 years for house construction.
What Should You Do?
If You Are Constructing a House
Deposit Rs 45 lakh in a CGAS account before the due date of filing your ITR.
Use this amount within 3 years for house construction to claim full tax exemption under Section 54F.
If You Are Not Constructing a House
The Rs 45 lakh will be taxed as LTCG, and you must pay 20% tax (after indexation benefits).
Consider other tax-saving options, like investing in bonds under Section 54EC (with a 5-year lock-in).
Final Insights
If you plan to construct a house, deposit the Rs 45 lakh in a CGAS account before filing ITR.
If you don’t use this amount within 3 years, it will be taxed as LTCG in the year of expiry.
If you don’t want to construct a house, be ready to pay LTCG tax or invest in 54EC bonds for tax saving.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Rajesh Kumar

Rajesh Kumar Singh  |62 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Feb 19, 2025

Rajesh Kumar

Rajesh Kumar Singh  |62 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Feb 19, 2025

T S Khurana

T S Khurana   |364 Answers  |Ask -

Tax Expert - Answered on Feb 19, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Money
My father started a business with his brother in XYZ name and got a Gala in Apmc in the same name where they shared 50-50% share in both business n property after my fathers death i was admitted in as a partner with same ratio after few years my uncle passed in his share to his son so as of now i and my cousin brother are partner the proerty was purchased 296200 in the year 1995 along with registration so 148100 was the share of each and now i want to leave the partnership and also to let go of my share in the premises for which my exixting partner will pay me 3750000 on or before 31.3.2025 I wanted to know how much capital gain tax will be for me if i do not invest secondly can i invest in residential property I would appreciate if guided Thanking you in anticipation
Ans: 01. Considering receipt of Rs.37,50,000.00 as Sale of your share in property/ premises, it would be LTCG in this case.
02. Amount of LTCG without Indexation is Rs.36,02,000.00 (Sale Rs.37,50,000.00 Less Cost Rs.148,100.00). Tax @ 12.50% is Rs.4.50 lakh app.
02. Amount of LTCG with Indexation is Rs.32.12 lakhs (Sale Rs.37,50,000.00 Less Cost Rs.5,37 lakhs {Index 100/363}). Tax @ 20.00% is Rs.6.40 lakh app.
03. You may go for the first option & plan your tax liability. You can invest in residential property to save LTCG tax.
04. Other option to save tax is to purchase Capital Gain bonds. However, investment in Real Estate is always better than other investment.
Most welcome for any further clarifications. Thanks.

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