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Dr Aarti

Dr Aarti Bakshi  | Answer  |Ask -

Child and Parenting Counsellor - Answered on Jul 07, 2023

Dr Aarti Bakshi is a psychologist licensed by the Rehabilitation Council of India.
A school counsellor, she has worked for 15 years with young adults.
She has two PhD degrees -- developmental psychology from Global Institute of Healthcare Management and clinical psychology from Singhania University.
She is on the CBSE panel for counsellors and special educators. She collaborates with SAAR Education to help children develop life skills.
She has authored SEL (social emotional learning) journals for Grades 1-8.... more
Asked by Anonymous - Jul 07, 2023Hindi
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I am 35 years old I am working in IT company as Team Lead.My annual income is 15LPA and I am in same organization for last 10 years.I want to switch the job but I am unable to complete my certification preparations.I am not focused or organized.Also feels tired when study for more than 30 minutes

Ans: 30 min studies are great, take a break for 15 minutes( avoid the phone or any technology, try talking to family, friends or going for a walk)
Close eyes to revise the main points you studied, then, sit for a further 30 min.
Try it consciously for a week keeping and planning your off time.
Try studying with a friend, peer revisions really help
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Leadership, HR Expert - Answered on Apr 17, 2024

Asked by Anonymous - Apr 15, 2024Hindi
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Hello sir I am 28 years old female working as an HR from home along with preparing for my CS exective. I have cleared its group 1 in 5 yrs and now struggling to clear group 2 since last 2 years. Once i will clear then i have to study for CS professional examination totally unpredictable that how much time it will take to complete. At 30 family will start pressurize for getting married. And i am not joining any HR jobs onsite or not taking any onsite opportunities or growing in my career coz then i will deviate from my CS study. Totally in dilemma what should i do . Please guide sir Thanks
Ans: Thank you for sharing your dilemma to me. It sounds like you're facing a lot of pressure and uncertainty about your career, education, and personal life. Please assess your priorities and set realistic goals for your career and education. Consider the time and effort required to complete your CS executive and professional examinations, and develop a study plan that allows you to balance your studies with your other commitments. Develop effective time management strategies to prioritize your tasks and allocate sufficient time for studying, work, and personal activities. Break down your study goals into manageable tasks and set deadlines to stay on track with your progress.

It is better to have an open and honest conversation with your family about your career and education goals, as well as your timeline for completing your CS examinations. Discuss your concerns and the support you need to achieve your goals while addressing their expectations regarding marriage. Remember that it's okay to seek support and make adjustments to your plans as needed. Trust yourself, stay focused on your goals, and believe in your ability to overcome challenges and achieve success in your career and education endeavors. Best of luck! Feel free to contact me on Rediff Gurus if you require additional guidance or assistance.

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Soft Skills Trainer - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Sir, I am 27 years old, Single. Its been 2 years + I am doing private 3 years project contractual job this contractual job.its going to complete in Dec 31st 2024. I gave Ctet teacher exam but i failed 3 time. But i m not focusing in State tet so, i want focus but in market lots of content and i dont have gude what shall i do. I am not happy with my current job. This job changes me alot in my caracter now, i cant sleep properly because if this job will finished what shall i do, till yet i have not creck any exam. And if i go in market i started to forgot ex:- After giving money i forgot to take back, after giving money i forgot to take things sometime. My age also gainig if want to marry so, i have earned money or save money i have to bear all expenses because my parents financially poor if I want save, same time i need to look my younger brother study expenses i need to bear and family running mantainance and also have EMI loans need to pay and also i am helping my parents to build their house with my own money my parents does not have money for my marriage. Now i have overthinking, depression, fear, feeling lossing confident, my dream job also get critical in this situation what shall i do. In office also staff try to polling down because i am getting higher salary what shall i do. For this reason just resently my health conditions because worse my pressure 139 felt vomit feel dizzy. What shall I do now Sir.
Ans: I have gone through your query and understand that you are at the Cross roads of Life.

It's at these times... When the going gets tough... The tough gets gong.
That's your strength.. A tough resilient young lady!
Kindly note you are doing an excellent job hence rewarded with better pay in your organization.. Obviously there's going to be jealousy..Be calm & Handle it with maturity.

Now I understand you are very committed selfless person. Who's contributing a lot to your family,... Wow in fact helping build your own new house. !

In regards to your contractual job, talk to your employer, let them know, that you would have to look for another job post December 2024 if there's no clear further commitment.

In regard to your marriage at 27 you aren't too old to find a like minded partner don't rush and regret, start the process through matrimonial apps.

I see you talk about your health, especially blood pressure, well that's because you are unduly stressed.
Add tender coconut water to your diet, talk to a proper Ayurvedic doctor..!

I am sure you will get over this mid life syndrome and invite us all for your happy day!

..Read more

Anu

Anu Krishna  |1452 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 03, 2025

Asked by Anonymous - Jan 02, 2025Hindi
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Hi Sir/Ma'am, I am here to know if there is a problem with my mind or body as I am having a strong sense of demotivation to work towards the upcoming exams. I had taken a 3 months study leave from my work for the upcoming exams to be held in January . The first month was excellent but the next was not good and last month was pathetic. For the past 2 months I have been trying to work hard sincerely but failed. I sat at the study table, but could not achieve my targets. I wrote the targets , but still failed to complete them. I tried watching self help videos and read self help books but nothing is helping me. Today, it is like my brain signals not to work towards any of my targets. I am a CA aspirant and I tried all these ways but nothing worked for me. My exams are in 9 days and my family is not ready to give me any more chances because this is my 7th attempt. Even if I talk about this problem with my family, they become extremely negative and say harsh words about my future. Since I do not have family or friends to talk about it , could you please provide me sincere help in this ?
Ans: Dear Anonymous,
Kindly work with someone who can get you out of this mindset and into a mindset that is not motivating but also inspiring. Right now what you face is lack of inspiration which is understandable given the many attempts. But you are aware that some professional exams are like this; so persevere...
If it makes sense, take a break from it all...Breaks can refresh the mind and also help you realign yourself back to your goal. But make sure it's a short break and not something that will get you to a place of procrastinating. The break is to help you slow down the mind so that you can bring yourself back to your goal and take necessary steps to achieve it.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Radheshyam

Radheshyam Zanwar  |1151 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 22, 2025

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What should I do after my bsc in medical
Ans: Hello Priyanka.
It is not clear whether either of you has completed your B.Sc. in Medical or not. But I am assuming that you are presently pursuing it. The scope of this branch is wide. Either you can pursue the job, or you can start your own business. However, I would like to suggest that if possible, you do a DMLT course to start an authentic lab. Working as a technician or technical assistant may not boost your career to a great extent, and the salary may also not increase proportionately. Hence, it is better to add a course with a B.Sc. that will help you start your business. With a small capital, you can even start a business selling surgical items, which could turn into a big business in just a few years. Best of luck for your upcoming future.
If satisfied, please like and follow me.
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Ramalingam

Ramalingam Kalirajan  |7606 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2025

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Where should I invest Rs. 50000 in Index mutual fund or in ETF?
Ans: When deciding between Index Mutual Funds, ETFs, and actively managed diversified equity funds, actively managed funds often stand out. Let’s analyse why active diversified equity funds are a better option for your Rs. 50,000 investment.

Understanding Index Funds and ETFs
Index Funds: These passively replicate an index like NIFTY 50 or SENSEX. They aim to match the market’s performance, not beat it.

ETFs (Exchange Traded Funds): Similar to index funds but trade like stocks on exchanges. They require a Demat account.

Disadvantages of Index Funds and ETFs
Limited Returns Potential
Index funds and ETFs only track the market.
They cannot outperform the benchmark, even when market conditions allow for superior performance.
No Protection in Market Downturns
Index funds replicate the index, so they fall equally during market downturns.
Active funds may reduce losses with better sector and stock allocation.
Lack of Professional Judgment
Index funds follow pre-set rules, ignoring company-specific fundamentals.
Actively managed funds use professional fund managers who adjust portfolios to maximise gains.
Hidden Costs in ETFs
ETFs may seem cost-effective but involve additional brokerage and Demat account charges.
Liquidity issues can lead to price variations between the market price and NAV.
Benefits of Active Diversified Equity Funds
Potential for Superior Returns
Experienced fund managers aim to outperform the benchmark.
They carefully select high-potential stocks across sectors and market caps.
Flexibility in Stock Selection
Active funds are not restricted to index stocks.
They pick companies with strong fundamentals, growth prospects, and attractive valuations.
Downside Protection
Fund managers can reduce exposure to risky sectors during market downturns.
This minimises losses compared to passive funds.
Tax Efficiency with Strategic Planning
Gains can be optimised with periodic review and rebalancing.
Active funds often deliver better after-tax returns over the long term.
Why Rs. 50,000 Fits Well in Active Diversified Equity Funds
A one-time investment of Rs. 50,000 deserves active management for maximised growth.
Over 5–10 years, active funds are better positioned to beat inflation and create wealth.
Suggested Allocation for Active Diversified Equity Funds
Large-Cap Equity Funds (30%-40%): Stability and consistent returns.
Flexi-Cap Equity Funds (40%-50%): Flexibility to invest across market caps.
Mid-Cap Equity Funds (20%-30%): Higher growth potential with moderate risk.
Key Considerations
Stay invested for at least 7–10 years for compounding benefits.
Review performance annually and rebalance if needed.
Avoid chasing short-term trends or reacting to market noise.
Final Insights
Index funds and ETFs are suitable for certain scenarios, but they lack active management benefits. By investing Rs. 50,000 in actively managed diversified equity funds, you can maximise returns, minimise risks, and benefit from professional expertise.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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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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