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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 11, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Subhash Question by Subhash on Sep 09, 2023Hindi
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I am 64, retired living in own house together with wife, son and daughter -in law for last five years. Both, son and daughter are professionally qualified, well placed and earn good. The daughter - in law out of last five years stayed away for half the time for one reason or the other at her mother place. She is very egoistic and arrogant and fight with everyone in family for no great reason including, son and my married daughter whenever she comes to our place to meet us. She has an objection her coming to our place. She has ones threatened us of complaining to police and women organization, Stree Mukti Sanghatana. She makes mountain out of anthill every time so we have stopped talking to her. The couple is staying with us, we bear all family expenses and don't expect even a penny from both son and Daughter in - law as ,when ones money of Rs. 15 K was asked to, she refused and made an allegation that we want dowry in this form . Son help us with some monthly expenses every month. She is staying alone away from us for more than 6 months now. My son is also tired of her behavior. We even have approached her mother, she also keep hand on deaf ears as she also does not listen to her and one brother. Please advice, what do we do in the circumstances?

Ans: Dear Subhash,
Kindly convey to your son and daughter-in-law that they live in a separate house. (This is a suggestion but you know your family better; so act accordingly). This will not only give them the space but will also keep finances separate between you and your son. Sometimes a joint family system does not work for all families and this space of separation can help resolve differences or bring the emotions to a neutral place. Either case, at least you and your wife need not go through stress everyday.
Distance helps bring people together and too much of familiarity is only making it worse. Do try this and hope things settle soon.

All the best!
Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 11, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Subhash Question by Subhash on Sep 09, 2023Hindi
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Relationship

I am 64, retired living in own house together with wife, son and daughter -in law for last five years. Both, son and daughter are professionally qualified, well placed and earn good. The daughter - in law out of last five years stayed away for half the time for one reason or the other at her mother place. She is very egoistic and arrogant and fight with everyone in family for no great reason including, son and my married daughter whenever she comes to our place to meet us. She has an objection her coming to our place. She has ones threatened us of complaining to police and women organization, Stree Mukti Sanghatana. She makes mountain out of anthill every time so we have stopped talking to her. The couple is staying with us, we bear all family expenses and don't expect even a penny from both son and Daughter in - law as ,when ones money of Rs. 15 K was asked to, she refused and made an allegation that we want dowry in this form . Son help us with some monthly expenses every month. She is staying alone away from us for more than 6 months now. My son is also tired of her behavior. We even have approached her mother, she also keep hand on deaf ears as she also does not listen to her and one brother. Please advice, what do we do in the circumstances?

Ans: Dear Subhash,
Kindly convey to your son and daughter-in-law that they live in a separate house. (This is a suggestion but you know your family better; so act accordingly). This will not only give them the space but will also keep finances separate between you and your son. Sometimes a joint family system does not work for all families and this space of separation can help resolve differences or bring the emotions to a neutral place. Either case, at least you and your wife need not go through stress everyday.
Distance helps bring people together and too much of familiarity is only making it worse. Do try this and hope things settle soon.

All the best!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on May 13, 2022

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Dear Love Guru, Please keep me anonymous. I am a 45 years old married male. Ours was an arranged marriage. My spouse as well as my in-laws have cynical attitude towards life. They are always abusive towards everyone at their back even. Earlier, I used to take it lightly and also tried to make my wife understand that there are good people also in the world. I also used to think that she may not be having the same attitude at least towards me but I was wrong. I always did my best whenever she was in trouble or otherwise, be it in her social, professional or medical needs but instead of acknowledging she always found some ulterior motive of mine. She acts sweet whenever she wants anything or to get things done from me otherwise she becomes abusive. Moreover, since beginning she discusses everything over phone with her mother and acts as per her guidance. I don't think that anything whatever happens in between us be it good or bad or in our house is not known to her mother. Whenever we have any quarrel she immediately calls her mother and tells her only her side of the things and uses abusive words for me. I have even requested her that even if she feels like calling her mother to lighten up, she may do it, but at least in privacy so that I should not hear the words she uses. But, now after 14 years I am getting fed up and don't feel like being with her. I am continuing because of my daughter as separation may affect the child. We no longer share any emotional or physical intimacy. I am exhausted. Please advise.  Regards, Anonymous
Ans:

Sounds like you’re tired of the marriage.

I would suggest attending some marital counselling together before you decide to finalise a split, if only for the sake of your daughter.

I understand that the child’s situation is taking precedence over yours, and that’s good parenting, but how long will you carry on like this? It’s been so many years already.

Your wife speaking to her mother about everything is understandable, but within earshot so that you hear it too is not. She obviously has ulterior motives.

Visit a competent counsellor. I’m sure you’ll be able to make headway in this situation.

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 28, 2022

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Hi Anu, I'm a 50 year old male married for 10 years. This is our second marriage for both of us. We live abroad. Since Day One my spouse was suspicious of me linking me with anyone on the street. She says I'm sighting girls. She suspected that I am interested in my elder sister-in-law since marriage. She never told me this for three years. Due to this we never had any relationship (and no child). Because of this constant fighting I lost my mother (I apologised to mother since I was not able to take care of her and I was unhappy. She died within a month of my apology.) I never told anyone either of our relatives about our problems. My father is 90 and alive. I don't want to cause any problem to him. During these 10 years her father never bothered to check if any problems. I hardly slept 1-2 days a week during these years.My spouse never changed a bit during these 10 years. Her position reached a stage where I had to admit her to hospital for psychosis. She got discharged in 2 months because her parents were adamant on discharge on the condition that she will travel to India. But once discharged, she refused to travel for nearly 10 months. Her father supported her. When her mother passed away in December 2020, due to Covid her return tickets got cancelled. In December 2021 she was again in hospital for 20 days in India for similar psychological issues. In April 2022 I visited her house in India and gave her father a 4-page document detailing her behaviour during these 10 years. He simply said she has done unknowingly. He is adamant on trying to send her back to me. While I am struggling to live, her father lives a happy life with his pension. As a father he never corrects his daughter and instead tries to push the problems to me.I have asked for a divorce but she is not willing to give and starts shouting hysterically. Please let me know how to proceed.
Ans:

Dear S,

If you have decided that divorce is the only option to consider, then yes, file for divorce legally by hiring a lawyer who has specialized in cases where the spouse is unwilling to let the divorce happen.

In short, if it’s not a mutual consent, it might drag on for years, so get a good skilled lawyer to take up your case.

On the emotional side of things, I urge you to be patient and empathetic towards your wife. With her mental health condition, she possibly has no control over her thoughts and subsequent actions are a result of an impulsive reaction.

Yes, it is unfortunate that the marriage went through a lot of low phases but do remember she is a human who is going through a challenge which is not easy to fathom by people who don’t have a mental illness.

I realise that this might be a little difficult to do, but in the long-term scheme of things, it will be a good ally as a sound and calm mind helps you through challenging times.

This point of view will help you through the divorce proceedings where you will be able to be fair and just to make sure that she is also taken care of.

All the best for a better journey ahead!

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 03, 2023

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Mam, I am retired father in law and financial well off. My son got married five years back. It is arranged marriage through matrimony. My son and daughter in law are both post degree qualified and well placed and staying with us. We tried asking for some money from both of them for monthly family expenses after two years of marriage which daughter in law refused and said you want dowry in this form, she record conversations, threat us of stree mukti, of police complaint , object our daughter visiting our place, blames us etc. Very often, she fight with her husband as well. We are only in reactive mode every time and accommodate her. Nowadays, she has started demanding the money spent by her mother in marriage and frequently leave our house and stay with her mother. We are afraid that she does not fake complain and harrasss us. Does not have any respect to relation, relatives, isolated /self centric, high ego and make other irritate type of personality, thinks of herself, does not believe that there is world outside. Please advise.
Ans: Dear Subhash,
Since I only have your version of the story, I can only assume that you are going through a rough patch. But I do believe it takes two sides in any story. Why is it that your daughter-in-law wants to all of a sudden behave this way? Were things fine in the initial years of marriage?
Why the sudden demand of money from you when you say that she is well-placed? Surely something seems amiss here.
Anyway, it is worrisome when your own people behave in this way. You are also justified in feeling that she may make a false complaint. Where is your son's mind in this matter? I think he should also be worried about the way things are changing. Is he unable to or has he tried to talk to his wife? At this point, let no one else interfere and let him be the sole person to deal with her.
He knows the challenges at home and will know what to do. So kindly request your son to step in (if he hasn't already done that) and sort this out in the most amicable manner. This first step will then determine the future course of action.
Having said this, I do want the family to recall if there has been any instance that has triggered your daughter-in-law to act this way. That will give you an idea to proceed in the right direction.

Best wishes!

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2023

Asked by Anonymous - Nov 09, 2023Hindi
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Hi Anu...i hv been reading ur expertise to solve the issues of people and am really impressed. We have been married for 19years now and have a son and daughter .From the start of the marriage my wife have been inclined towards her mother and her family paying less or no heed to us. Circumstances were also favorable to her and she always got the opportunity to stay close and visit her parents often which i did not mind.We lived in Mumbai and she is from Chennai.After marriage my mom-in-law used to continuosly interfere into our lives by calling her and she used to act as per her suggestions only which led to problems as she was a puppet in the hands of my Mom-in-law. Moreover since my mom-in-law was not in good health my wife tried not to over rule as she did not want her mom to feel sick as she doesnt like to be over ruled or by pass failing which she goes on hunger strike and stop taking tablets spoiling her own health. Due to this reason everybody has been appeasing her.Initially i thought to ignore but slowly it started to affect my family as well as my wife started to see things thru my mom-in-laws perspective and find faults in everything. We shifted to overseas to stay away from all these and we really had a good life for 10 years there but since i lost job during covid i had to shift base to India for my son's education but she chose to stay back there with my daughter as she is working there.I too felt that let her spend some time so that i could settle things in India and call her but it is more than 2 years now and she refuses to come back and dont even care for us and neither call us as family. I tried to involve my in-laws to convince her but they are also playing a diplomatic game and doesnt want to go against their daughter's wish.Due to this attitude of my mom-in-law their own daughter-in-laws have been staying away and since my in-laws stay alone my wife feels that she is the only support system for her parents but it has come on my life's sacrifice. She has been ignoring us and even i kept moving for the sake of my family and children instead of respecting my feelings she has become more adamant now.Her brother is also seperated from her wife and he also looks forward for a support system from my daughter and my wife and they seem close ignoring myself and my son.We have been trying to convince her thru all means but she is caring. Even i feel that it is futile to force someone into relationship but she unknowingly spoiling my family and deprieve my son the mother;s love and also depreive my daughter from affection and love.Due to this my son has also stopped expecting from her and my daughter treats me as a stranger due to long distance. Pls suggest the way forward. Shud i wait for things to improve or leave as it is.I am 47 now and she is 45..told her that let us enjoy the best things in life rather than regretting later but she does not understand.
Ans: Dear Anonymous,
Logic does not appeal to your wife!
What can you do with someone who is adamant about ruining her own family life? It's purely clouded judgement on her part on what to do and not!
With more people dependent on your wife for support, she has found a way of moving even more away from you...what I do not understand is: how is she able to do that to your son?

Either the two of you talk this out and take firm decisions OR accept that this is how it's going to be...sooner or later, she will realize what is happening and will become more aware of her priorities. But, being where you are is painful and it will stress you even more...So, find a way to talk things out is a step that you can take NOW!

Impress upon her as to how important it is keep the family together as a unit for the children to grow in a healthy manner and also how much this time investment will help the two of you as a couple.

All the best!

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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I am persuing master's in Biotechnology and it should be completed in may , where should i can get a job and what are the steps to address a job
Ans: Completing a master's degree in biotechnology opens up various job opportunities in fields such as pharmaceuticals, biotechnology, healthcare, research institutions, academia, and government agencies. Here are some steps to help you find a job after completing your master's in biotechnology. First, determine the specific areas within biotechnology that interest you the most, such as drug discovery, molecular biology, genetic engineering, bioinformatics, or clinical research. Clarifying your career goals will help you target relevant job opportunities. Explore companies, research institutions, universities, hospitals, and government agencies that hire biotechnology professionals. Look for organizations that align with your interests, values, and career aspirations. Network with professionals in the biotechnology industry through online platforms like LinkedIn, professional associations, industry events, seminars, and career fairs. Networking can help you learn about job openings, connect with potential employers, and gather insights into the industry. Tailor your resume and LinkedIn profile to highlight your education, research experience, technical skills, and relevant accomplishments. Emphasize any laboratory techniques, instrumentation, software, or research projects that showcase your expertise in biotechnology. Search for job openings in biotechnology-related roles on online job portals, company websites, professional associations, and academic institutions. Customize your application materials for each position, emphasizing how your qualifications and experiences align with the job requirements. Explore internship or fellowship opportunities in biotechnology companies, research labs, or government agencies to gain practical experience, expand your network, and enhance your employability. Some internships may also lead to full-time job offers. Take advantage of the career services offered by your university, which may include job placement assistance, resume workshops, mock interviews, and career counseling. Career advisors can provide personalized guidance and support throughout your job search process. Job hunting in the biotechnology industry may take time and persistence. Stay motivated, maintain a positive attitude, and be open to exploring different opportunities or career paths within biotechnology.

By following these steps and actively pursuing job opportunities in the biotechnology field, you can increase your chances of securing a rewarding job after completing your master's degree. Keep networking, refining your skills, and staying proactive in your job search to achieve your career goals in biotechnology.

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Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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How to become pilot in air india ??sir please ???? tell me
Ans: Becoming a pilot for Air India, or any commercial airline, requires dedication, training, and meeting specific qualifications. Here are the general steps to becoming a pilot for Air India: Obtain a high school diploma or equivalent qualification with a strong background in mathematics, physics, and English. Many aspiring pilots also pursue a bachelor's degree, although it may not be mandatory for all airlines. Pass a thorough medical examination conducted by an aviation medical examiner to obtain a medical certificate to ensure that you meet the medical standards required to operate aircraft. Enroll in a reputable flight training school or academy to obtain the necessary flight training and experience. You'll need to complete a certain number of flight hours, including both solo and dual instruction, to qualify for a commercial pilot license. Obtain a private pilot license (PPL), followed by a commercial pilot license (CPL) from the aviation authority in India. Additionally, you'll need to earn various ratings and endorsements, such as instrument rating (IR) and multi-engine rating (ME), to qualify for airline pilot positions. Gain experience as a pilot by accumulating flight hours through various means, including flight instruction, aerial surveying, charter flights, or other entry-level pilot positions. Most airlines, including Air India, require pilots to have a minimum number of flight hours before applying for a position. Once you meet the qualifications and experience requirements, you can apply for pilot positions with Air India through their official recruitment channels. Keep an eye on their website or job postings for any openings for pilots. If selected for an interview, you'll undergo various assessments, including technical knowledge tests, simulator evaluations, and interviews with airline representatives. Successful candidates may then be offered employment as a pilot with Air India. After being hired by Air India, you'll undergo type rating training on the specific aircraft types operated by the airline. This training includes classroom instruction, simulator sessions, and flight training to become qualified to operate the airline's aircraft. As a pilot for Air India, you'll undergo recurrent training and proficiency checks periodically to maintain your qualifications and stay up-to-date with the latest regulations, procedures, and aircraft technologies.

It's essential to research and understand the specific requirements and procedures for becoming a pilot for Air India, as they may have additional criteria or selection processes tailored to their airline operations. Additionally, networking with current pilots and industry professionals can provide valuable insights and guidance throughout your career journey.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

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My daughter is doint phd in virology from iisc bangalore after that what type of job she can apply
Ans: A Ph.D. in virology from a prestigious institution like the Indian Institute of Science (IISC) in Bangalore opens up numerous career opportunities for your daughter. With her expertise in virology, she can pursue a career as a research scientist in academic institutions, research laboratories, government agencies, or pharmaceutical and biotechnology companies. She can conduct research on viruses, develop diagnostic tools, study virus-host interactions, or contribute to vaccine and antiviral drug development. Your daughter may choose to pursue a career in academia as a faculty member or postdoctoral researcher. She can apply for faculty positions at universities or colleges, where she can teach virology courses, mentor students, and lead independent research projects. Many pharmaceutical, biotechnology, and healthcare companies hire virologists for their R&D divisions. Your daughter can work in drug discovery, vaccine development, clinical trials, or diagnostics development, contributing to the development of novel therapeutics or preventive measures against viral diseases. With a Ph.D. in virology, your daughter can work in public health organizations, government agencies, or international health agencies. She can contribute to epidemiological studies, outbreak investigations, disease surveillance, and public health policy development related to viral infections. Your daughter can work as a consultant or advisor for organizations that require expertise in virology, such as biotech startups, pharmaceutical companies, regulatory agencies, or healthcare organizations. She can provide scientific advice, expertise in regulatory compliance, or strategic guidance for research and development projects.

These are just a few examples of the diverse career paths available to someone with a Ph.D. in virology. Depending on her interests, skills, and career goals, your daughter can explore various opportunities in research, academia, industry, public health, communication, or entrepreneurship. Encourage her to network with professionals in her field, attend conferences, and explore different career options to find the path that best suits her interests and aspirations.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Career
How is BDES in Fine Arts from Amity University Mumbai?
Ans: Amity University Mumbai is part of the prestigious Amity Group of Institutions, known for its focus on quality education and innovative programs. Pursuing a Bachelor of Design in Fine Arts from Amity University Mumbai can offer several benefits: This program at Amity University Mumbai likely offers a comprehensive curriculum that covers various aspects of fine arts, including drawing, painting, sculpture, printmaking, and multimedia arts. Students may have the opportunity to explore different mediums and techniques under the guidance of experienced faculty members. Amity University Mumbai is known for its modern infrastructure and facilities, including well-equipped studios, art labs, exhibition spaces, and digital resources. These facilities provide students with an inspiring environment to unleash their creativity and hone their artistic skills. Amity University often collaborates with industry partners and professionals to provide students with real-world exposure and opportunities for internships, workshops, seminars, and industry projects. This exposure helps students gain practical experience, build professional networks, and prepare for careers in the field of fine arts.

However, it's essential to conduct thorough research and consider factors such as program accreditation, alumni feedback, campus culture, and career support services before making a decision. Additionally, prospective students may benefit from visiting the campus, attending orientation sessions, and speaking with current students or alumni to gain insights into this program in Fine Arts at Amity University Mumbai.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

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Hello sir, im working in govt job PSU for 1 year and im not getting interest here. My age is 27 and passed out in btech ee in 2020. There is almost less work, also its not interesting. I deal with boiler and turbine operations. I want to persue mtech in control / robotics fields. But im afraid of the volatile job market, u see im a bit slow than other people. Do u think i should follow what my heart says or stick to this job due to its job security and my slow brain power . My age is more too. I have good financial support too. Im afraid I will lose job in pvt job. But i want to learn and grow!
Ans: It's natural to feel conflicted about whether to pursue your passion or stick with a secure job, especially when considering factors like job market volatility and personal abilities. Here are some points to consider that might help you make a decision: Consider the balance between pursuing your passion for control and robotics fields and the stability offered by your current government job at a PSU. Think about what will ultimately bring you more fulfillment and satisfaction in the long run. While the job market for control and robotics fields may have some volatility, these sectors also offer opportunities for growth and innovation. Research the demand for professionals in these fields, the potential for career advancement, and the types of companies or industries that are investing in automation and robotics technologies. Reflect on your interest in the control and robotics fields and your desire to learn and grow professionally. Pursuing a master's degree in these areas could provide you with valuable skills, knowledge, and experiences that align better with your career aspirations and interests. While age can be a factor in career decisions, it's important to prioritize your long-term career goals and personal fulfillment. With good financial support and a willingness to learn, you can overcome any perceived limitations and make meaningful progress in your career. Assess the potential risks and rewards associated with transitioning to a new field versus staying in your current job. Consider developing a backup plan or exploring part-time or online learning options that allow you to gain skills in control and robotics fields while maintaining your current job security. 

Assess the potential risks and rewards associated with transitioning to a new field versus staying in your current job. Consider developing a backup plan or exploring part-time or online learning options that allow you to gain skills in control and robotics fields while maintaining your current job security.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Career
My daughter is completing her BSc Bioinformatics in 2024 and wants to switch to MCA. Will it better than MSc Bioinformatics? Please advise what to do for getting a good job.
Ans: Both M.Sc. Bioinformatics and M.C.A. (Master of Computer Applications) have their own merits and can lead to rewarding career paths. However, the choice between the two depends on individual interests, career goals, and preferences. Here are some reasons why someone might consider M.Sc. Bioinformatics over M.C.A.: Individuals with a strong interest in biology, genetics, and computational sciences may find M.Sc. Bioinformatics more appealing. This program integrates biological sciences with computer science, allowing students to apply computational methods to analyze biological data and solve complex biological problems. It opens up career opportunities in diverse sectors such as biotechnology, pharmaceuticals, healthcare, genomics, and academic research institutions. Graduates can work on projects related to drug discovery, personalized medicine, genomics research, agricultural biotechnology, and more. It offers an interdisciplinary approach, combining knowledge and techniques from biology, computer science, statistics, and bioinformatics. Students develop a broad skill set that is highly relevant in fields where biological data analysis and computational modeling are essential. With advancements in genomics, proteomics, and bioinformatics technologies, there is a growing demand for professionals skilled in bioinformatics analysis and interpretation. Graduates with expertise in bioinformatics are well-positioned to address the challenges of big data in the life sciences industry. M.Sc. Bioinformatics graduates have the opportunity to contribute to scientific research and discovery by leveraging computational methods to analyze biological data, identify patterns, and gain insights into biological processes. Their work can lead to breakthroughs in areas such as disease diagnosis, drug development, and precision medicine.

While M.Sc. Bioinformatics may offer unique advantages for individuals interested in the intersection of biology and computational sciences, it's important to consider personal interests, career goals, and job market dynamics when making a decision. Ultimately, both M.Sc. Bioinformatics and M.C.A. have the potential to lead to fulfilling and impactful careers, and your daughter should choose the path that aligns best with her aspirations and strengths.

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Career

Career Coach  |37 Answers  |Ask -

Workplace Expert - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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I am a 41-year-old consultant working for an IT firm for the past 16 years. Lately, my job has been very demanding. I have been working 14 to 16 hours at work, with no weekends or holidays. The work pressure is taking a toll on my physical and mental health. I was unwell for two weeks and have been advised by doctors to consider taking up a less stressful job. I have a masters in finance. Do you have any suggestions on what alternate career options I could consider?
Ans: Absolutely, it sounds like you've been burning the midnight oil for quite some time! It's crucial to prioritize your health and well-being, especially when the demands of your job start to affect you physically and mentally. Let's explore some alternative career avenues where you can still leverage your expertise and experience in finance without the overwhelming stress:

1. Financial Technology (FinTech) Specialist:

Step into the world of FinTech, where your expertise in IT and finance can revolutionize traditional banking and financial services. By developing innovative solutions that streamline processes and enhance user experiences, you'll contribute to a more efficient and accessible financial ecosystem, all while enjoying a less stressful work environment compared to client-facing roles.

2. Cybersecurity Analyst in Finance:

Protecting sensitive financial data is paramount in today's digital landscape. As a cybersecurity analyst specializing in finance, your dual proficiency in IT and finance equips you to safeguard financial institutions from cyber threats with precision and expertise, all while enjoying the stability of a role focused on risk mitigation rather than high-pressure client interactions.

3. Quantitative Analyst (Quant) in Finance:

Dive into the world of quantitative analysis, where your technical prowess and financial insight can drive data-driven decisions in portfolio management, risk assessment, and trading strategies. By leveraging your combined knowledge, you'll excel in roles that prioritize analytical rigor and strategic thinking, offering a more predictable and structured work environment compared to consultancy roles.

4. Financial Systems Analyst:

Become the bridge between IT systems and financial operations within an organization. Your ability to optimize financial software systems while ensuring compliance and efficiency will contribute to smoother workflows and reduced stress for finance teams, offering a rewarding blend of technical problem-solving and financial acumen without the demands of client-facing roles.

5. Data Scientist in Finance:

Unlock the power of data in the financial sector, leveraging your expertise in IT and finance to extract actionable insights from vast datasets. By applying advanced analytics and machine learning techniques, you'll drive informed decision-making and strategic planning, all while enjoying the autonomy and intellectual stimulation of a data-driven role with less client pressure.

In these specialized roles, your unique blend of IT and finance knowledge positions you for success in environments that prioritize innovation, efficiency, and strategic thinking over relentless work hours and client demands. By capitalizing on your strengths and pursuing a career path aligned with your interests and well-being, you can achieve professional fulfillment without sacrificing your health and happiness.

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Moneywize

Moneywize   |102 Answers  |Ask -

Financial Planner - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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I have submitted my Form 15 to my bank in April 2023. My income falls under the non-taxable category against interest received from bank FDs. Bank has not deducted any TDS up to September 2023 but from October 2023 they have started deducting TDS on FD interest earned by me saying that interest earned on my FDs have crossed the limit of Rs 5 lakh. Is the bank right in deducting tax citing this reason? Please enlighten me.
Ans: No, the bank is likely not right in this case. Here's why:

• Form 15G validity: A valid Form 15G submitted before April 1, 2023 is applicable for the entire financial year 2023-24 (assessment year 2024-25). This means if your income falls under the non-taxable category, the bank shouldn't deduct TDS on your FD interest for the entire year.
• TDS exemption limit: The current exemption limit for TDS on FD interest is Rs 40,000 for individuals below 60 years old, and Rs 50,000 for senior citizens (above 60 years old). There's no limit of Rs 5 lakh for TDS deduction on FD interest.

Here's what you can do:

• Reach out to your bank: Inform them that you submitted a valid Form 15G and your income falls under the non-taxable category. You can clarify the exemption limit and point out the mistake.
• Request rectification: Ask the bank to rectify the error and reverse the TDS deducted on your FD interest from October 2023 onwards.
• Seek professional help: If the bank doesn't resolve the issue, consider seeking help from a tax consultant or financial advisor. They can guide you further on how to claim a refund for the deducted TDS.

Additional points to consider:

• Ensure you have a copy of the Form 15G submission acknowledgement for your records.
• Keep a record of any communication with the bank regarding the TDS deduction.

By following these steps, you should be able to resolve the issue with the bank and avoid unnecessary TDS deduction on your FD interest.

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