Hello Ramalingam Sir, My brother lost huge amount in stock trading. He has to sell his house, gold and other assets to repay the loans. Still, he has huge debt to be cleared. i kept on supporting him from long back. i supported small amounts to him multiple times. Now, he needs around 15L to clear his debts and i decided to give that amount considering his family and kids. In his childhood my brother supported my parents financially. Considering all these, i decide to help him by giving these amount to clear his debts. Can i transfer these 15L to his account through NEFT or RTGS? will these be taxable? these 15L are out of savings from my salary and my wife salary. Thanks.

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!!

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!!

Ans: Dear Aman,
Do remember, rules are meant to be followed...there are always consequences for not following them.
I think you should request your organisation to give you a relieving letter and submit the relevant medical papers for the same. If there is a penalty to be paid for not serving the notice period , please pay and get rid of this stress, at the end of the day peace of mind is more important than money. Looking for peace of mind will also solve your insomnia!!


hoping the best for you...

Ans: Dear Arun... it is a whole skill set you need to learn in order to overcome stage fear.
It involves mindset change, visualizations, confidence building exercises and finally practice, practice and more practice in order to master public speaking and overcome the fear of the stage.

Get in touch if you are really interested in working on this fear and becoming a stage performer.

All the best!!

Ans: Prasenjit... your concerns are valid, however no one can actually know what the future holds. We can all speculate and get stressed about the future. It is only today and this moment that we have with us. Like railways in India it is very unlikely that PSBs will be privatised. Meanwhile what you can do is be a continuous learner, hone your skills , become indispensable to your organisation.
Keep your eyes, ears and heart/ mind to embrace the change and keep upgrading/learning and living life fearlessly.

All the very best!!

Ans: The ICAI's Chartered Accountancy (CA) course in India has no upper age limit, allowing anyone to enroll. The MBBS course, however, has no upper age limit for general categories and reserved categories, as per the National Medical Commission's guidelines and NEET-UG entrance exam rules, subject to minimum Educational Qualfications. However, stay updated on these guidelines from the Official Websites of ICAI & NTA respectively. All the BEST for Your Prosperous Future.

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Ans: What is the full form of PGDM? From which institution have you done your PGDM?

Ans: Hi!!

If it's your dream to fly again, then please be at it... this passion itself should keep you from giving up. Groom yourself, do whatever it takes to be fit, keep your chin up, you have cracked the interview before and worked in this industry, this is your strength. Your time away was for family reasons and remember the lessons you learnt from being away from flying. Be honest in your interviews and show your reasons for joining back. Relook at your resume and then reapply....
Work on yourself, keep your goals realistic and have a positive outlook towards your dreams.

All the very best!!

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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