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Archana

Archana Deshpande  |74 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Mar 26, 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
Veeraraagavan Question by Veeraraagavan on Mar 22, 2024Hindi
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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…
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Good morning sir My self Erla srinivas age 50 years working in pharmaceutical company Having own flat in Hyderabad and no loans. Tax payer. My only one child is studying 9th standard EPF 20 lacs and having 5 Open plots Kindly suggest me after retirement fixed monthly income Regards Srinivas
Ans: Financial Assessment

Your financial situation looks good overall. Well done!
You have a stable job and own property. That's great.
Having no loans is excellent for financial health.

Current Assets

EPF savings of Rs. 20 lakhs is a good start.
Five open plots provide some diversification.
Owning a flat in Hyderabad adds to your assets.

Retirement Planning

We need to plan for steady income after retirement.
Your EPF and property can be part of this plan.
We should look at other investment options too.

Investment Strategy

Mutual funds can be a good choice for you.
They offer better liquidity than land plots.
Professional fund managers handle the investments.

Disadvantages of Plot Investments

Plots can be hard to sell quickly.
They need maintenance and may have legal issues.
Returns depend on location and market conditions.

Advantages of Mutual Funds

Easy to buy and sell units.
Professional management of your money.
Diversification across many stocks or bonds.
Regular income options are available.

Action Steps

Review your current expenses and future needs.
Start investing in mutual funds for retirement.
Consider selling some plots for more liquid assets.
Speak with a Certified Financial Planner for personalized advice.

Finally

Your financial base is strong. Good job!
With some changes, you can have a secure retirement.
Start planning now for a comfortable financial future.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Latest Questions
Archana

Archana Deshpande  |74 Answers  |Ask -

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

Asked by Anonymous - Oct 16, 2024Hindi
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I am 21. I am a chronic overthinker. I am always thinking about what other people think about me or overanalysing situations and making things complicated. Is this a serious problem? What should I do?
Ans: Dear overthinker,

Thinking is a good trait to have, overthinking is not.

You literally have to STOP overthinking!!!

One way to overcome this is to stop thinking and become more action oriented. STOP analyzing everything in the head, put it on paper, there is something calming about putting thoughts on paper, writing them down with a pen and paper.
And then taking actions based on what you have written and no more thinking about it.

Indulge in physical activity, play a game which is more action oriented , this teaches you to be fully present in the moment, which helps you in being in the moment. Being fully present in the moment is what gets you out of overthinking.
Do meditate , I really can't enumerate all the benefits of meditation, what meditation does to people is beyond words.

There is a book called as, STOP OVERTHINKING by Nick Trenton, this book offers practical advice and exercises to help you break free from negative thoughts and worries. It provides evidence-based methods to combat overthinking and anxiety.

Another amazing book by Eckhart Tolle, "The Power of NOW", can help you.

There is no problem which can't be overcome, believe in yourself, you are more powerful than you think, the body and mind have to listen to you!!
What you think so you become, feed yourself the right thoughts and let the magic unfold.!!

All the best!!

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Archana

Archana Deshpande  |74 Answers  |Ask -

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

Asked by Anonymous - Oct 16, 2024Hindi
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My manager is constantly manipulating his boss about me. Everyone in my team is aware that she is increasingly insecure about my success and feels threatened by me. She often gives incorrect and incomplete feedback due to which my manager feels that my manager is more efficient than I am. In the past, 4 people have quit or been foced to resign due to these politics. Should I also quit and move to another company or should I talk to the manager about this? Pls help
Ans: Hi!!

When I was working in the corporate world, the oft repeated quote was, "people don't leave the company ,they leave bad bosses".
Your manager's boss is your super boss, rt? Can't you go and speak to him directly and put your concerns across?
I am sure the HR must have noticed that people are quitting and might have explored the reasons why they are doing so too, do check with them.
I fail to understand why women should not cooperate with each other. You can also explore the option of talking directly to the manager and telling her if your actions in any way have caused some misunderstanding and if she says yes then you are willing to clear them. Also tell her that you are not eyeing her post and you are just trying to do your job well. I did the same with one of my bosses, it worked for me, we became the best of friends, we are still in touch. You need to think which is your best option and choose one from all the possible solutions I have mentioned. You can always quit, that's the last option I feel..

Hoping you choose wisely..All the very best!!

...Read more

Nayagam P

Nayagam P P  |3911 Answers  |Ask -

Career Counsellor - Answered on Nov 18, 2024

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my son is 8 year old studying in Class 3 . The classes occus is in morning shift from 6.30 am to 1.30 PM . after comming from the scholl he tired and not able to study in night . plz suggest the Correct time table for the second shift school child so that we can manage his tiredness and keep improving him in balanced way.
Ans: Priya Madam,

You have not provided information regarding the number of hours your son sleeps.

(1) Given that your son is only 8 years old, it is important to ensure he gets a minimum of 8 hours of sleep at night and 2 hours in the afternoon. Sleeping hours can be reduced once he enters the 6th Standard.

(2) Ensure he receives a balanced diet and nutritious food to sustain his energy levels. (3) Encourage him to maintain regular water intake to prevent dehydration. (4) Facilitate opportunities for him to take regular breaks and engage in play. (5) A 3rd standard student can't study for extended periods. He should study for 25 to 30 minutes, followed by a 10 to 15-minute break after each 25-minute study session.

(6) I am providing this information for general awareness. Parents should refrain from physically assaulting their children to achieve compliance, as this can undermine their self-confidence. (7) They should engage in more polite and loving communication with the children. (8) Children frequently observe their parents and tend to emulate their actions. Ensure that the environment at home is tranquil. (9) Addiction to electronic gadgets may also result in fatigue. (10) Regarding the Study Planner, it has been previously stated that regardless of whether he studies in the morning or evening, he should engage in study sessions of 25 minutes followed by a 10-minute break after each session. He will not experience fatigue, and the output will be increased. Hope, this answer will help you, Madam.

All the BEST for Your Prosperous Son's Future.

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