Hi mam, I am 40 yrs old. I was divorced 10 yrs ago and since then I never married again. I have been changing my jobs very often and my mind is not Steady. I am not happy at my job and I feel it's my mindset as I frequently get angry, hyper and make rash decisions. I have zero savings and don't own any assets. But all my friends, relatives and colleagues are well settled and enjoying their life at this age.. this is depressing me and I don't know how to over come this ? In the past 3 years I have fallen in love with one of my far relative and both us love each other very truly. She understands me like no other and knows everything and aspect of my life. She is 15 yrs younger to me but she doesn't care about it and wishes to marry me. I feel actually lucky to be loved by her that much. The main problem is that we recently got to know that she becomes my daughter ( cousin brother's daughter ) if we see the family tree side relationship. Though she is not blood brother's daughter but she is some one in the relative side. Both of us discussed about this but both of us love each other so truly that we don't wish to let go each other and marry. Please suggest.

Ans: Hello;

Please approach following, in the given order, for redressal of your concern:
1. Customer Relationship Manager of the Insurance company
2. Chief Grievance/Compliance Officer of the insurance company
3. Insurance Ombudsman
4. IRDAI
5. Courts

You may also seek help from some social media activists who take up such cases.

Best wishes;

Ans: You should complete your PhD. Without PhD you will not get job in good institutions.

Ans: Power

Ans: Advisory Roles are abundant. Companies avoid active role after 60

Ans: Gaurav, I have previously elucidated the primary reasons for my inability to pass the CA Exams despite multiple attempts. The Chartered Accountancy (CA) program may not be the right fit for everyone, so consider your strengths, interests, alternative high-earning career paths in finance, and non-finance career paths with high earning potential. Alternative high-earning careers include Investment Banking, Corporate Finance, Financial Planning & Wealth Management, and Non-Finance career paths with high earning potential. Shorter, practical certification programs can help you quickly enter high-paying fields without extensive education. If CA is no longer a fit, consider other certifications, high-paying fields in tech or management, or short-term courses in cybersecurity, cloud computing, or digital marketing. All the BEST for your Prosperous Future.

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Ans: Syamaprasad, A B.A.C. graduate can enhance their career prospects by pursuing advanced certifications in accounting, transitioning into higher-level roles, exploring corporate or government sector jobs, expanding into office administration, and exploring technology and data fields. These options include pursuing advanced certifications, exploring remote work options, and pursuing courses in data analytics, project management, or HR. These steps can lead to better pay, career growth, and work-life balance in the accounting field. All the BEST for your Prosperous Future.

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Ans: Amit Sir, A CPA (Certified Public Accountant) at the age of 37 can be a viable option for those without formal accounting experience. The CPA is a globally recognized certification that can open doors to various roles in accounting, auditing, and finance. It provides a solid foundation and increases credibility in the finance or accounting industry. However, there are challenges, such as the learning curve and experience requirements.

To overcome these, you could supplement with basic accounting courses and work experience. Alternative courses you can consider include Chartered Financial Analyst (CFA), Financial Risk Management (FRM), Certified Management Accountant (CMA), Post Graduate Diploma in Management (PGDM) or MBA, and Digital Marketing or E-Commerce.

CFA and FRM are globally recognized credentials that can lead to roles in finance, investment banking, or wealth management. CMA professionals are in high demand in banks, investment firms, and large corporations. MBAs can help transition into management or higher-level positions, while digital marketing or e-commerce can offer opportunities for entrepreneurship and business growth.

Age should not be a barrier for you in pursuing any course or certification. Leveraging prior experience, such as management, customer relations, and strategic thinking, can also benefit a corporate role. In conclusion, pursuing a CPA at the age of 37 is a viable option, but preparation and experience are essential.

All the BEST for your Prosperous Future.

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Ans: Shri, Some basic reasons for failing CA exams include poor time management, inadequate conceptual clarity, poor presentation skills, neglecting revision, and lack of practice with mock exams. To improve, create a realistic study schedule, focus on crucial topics, practice time-bound mock tests, and use reference books and ICAI study materials. Practice structured answers and follow ICAI language to align with exam expectations. Avoid rote learning and focus on understanding the "why" and "how" behind concepts. Take multiple mock tests and review performance critically to identify weak areas. Stay motivated by setting short-term goals and rewarding yourself for achieving them.

Despite not clearing the CA exams, there are numerous fulfilling career paths for commerce graduates. Some of these include the following, out of which you can choose the most suitable for you and you are interested in:

Financial Analyst/Investment Banking involves financial analysis, research, and dealing with securities, stocks, and bonds. Tax Consultant/Tax Advisor offers tax planning, compliance, and advisory services. Financial Planner/Wealth Manager helps manage finances and long-term wealth goals. MBA can lead to leadership roles in marketing, HR, finance, operations, and entrepreneurship. Banking and Insurance offers stability and growth opportunities. Entrepreneurship requires strong initiative and risk tolerance. Accounting and Audit roles enhance job prospects globally. Digital Marketing, Data Analytics, Human Resources, Stock Market Trading, Corporate Law, and Public Sector Jobs offer job security, stability, and benefits.

All the BEST for your Prosperous Future.

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Ans: The Arts stream offers a diverse range of career options, both traditional and modern, catering to various interests and skill sets. Traditional career paths include Humanities and Social Sciences, Bachelor of Arts (BA), and Bachelor of Fine Arts (BFA). Modern and emerging career options include media and communication, digital marketing, event management, design and creative fields, business and management, specialized and niche fields, technical and technology-based fields, commerce and economics, and professional courses.

Foreign language careers, such as BA in French, German, or Spanish, can lead to careers in translation, international relations, diplomas, policy analysts, and NGO workers. Professional courses include hotel management, performing arts, and sports management.

To decide the right path, you should identify interests and strengths, consider career goals, encourage internships, workshops, and short-term projects, and research colleges and courses thoroughly. By considering these factors, you can choose the right path for your future. All the BEST for your Prosperous Future.

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