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Kanchan

Kanchan Rai  |172 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Rajesh Question by Rajesh on Apr 05, 2024Hindi
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Goodmorning I am working in PSU. I exposed a fraud in my company few years ago. Nothing happened to culprits. Rather they continued to gain elevations and reached to top management. Well as anticipated, I am being regularly victimized, my career for promotions got spoiled and now working disgracefully. I suffered heart attack in my office due to such disgraceful treatment in workplace. I even filed a law suit against my no promotion but all this take years and said culprits after enjoying time are retiring or hv retired recently. Suggest me to overcome this situation which many may be facing as consequences of honesty in our country. How can I use these people for mental harrassment and loss of time and money in career and life. I am male 57 yrs old and left with 3 years of service. Thanks.

Ans: I'm truly sorry to hear about the challenges you've faced as a result of exposing fraud in your company. It's disheartening to hear that you've experienced victimization and unfair treatment in the workplace, especially considering your dedication to honesty and integrity.

While it's understandable that you may feel angry and frustrated about the lack of consequences for those involved in the fraud, it's important to focus on finding ways to overcome the situation and move forward.Your health and well-being should be your top priority. Make sure you're taking care of yourself physically and emotionally. Consider seeking support from a therapist or counselor who can help you cope with the stress and trauma you've experienced. Continue pursuing legal avenues to seek justice for the mistreatment you've faced in the workplace. While it may be a lengthy process, holding those responsible for the fraud and your mistreatment accountable can provide a sense of closure and vindication. Keep detailed records of any instances of harassment, discrimination, or mistreatment you've experienced in the workplace. This documentation may be valuable evidence if you decide to pursue legal action or file a complaint with relevant authorities. Evaluate your career options and consider whether it may be beneficial to seek opportunities outside of your current company. You deserve to work in an environment where you're treated with respect and fairness. Lean on friends, family members, and colleagues who can offer you support and encouragement during this challenging time. You're not alone, and having a support network can make a significant difference in your ability to cope with adversity.Engage in activities that bring you joy and relaxation, whether it's spending time with loved ones, pursuing hobbies, or enjoying nature. Taking care of yourself emotionally and physically is essential for resilience and well-being. While it's natural to dwell on past injustices, try to focus on the future and what you can control. Set goals for yourself, both personally and professionally, and take steps to work towards them. Given that you have three years left of service, consider your retirement plans and whether it may be beneficial to retire early or explore other options for transitioning out of the workforce.

Remember that you have the strength and resilience to overcome this difficult situation. It's not easy, but by taking care of yourself, seeking support, and exploring your options, you can navigate through this challenging time and find a path forward

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Anu

Anu Krishna  |830 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 12, 2020

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I'm 62, quite active socially. My problem is this that the people who are stronger than me emotionally or physically or even weaker than me, I always agree with them or keep mum. But keep on cribbing inside. This is, because, I don't want to make them angry or lose them. I can't express my feelings or show my anger even if someone owe's me a big amount of money in millions of rupees (which is true). And always fear and keep on brooding, visualising them fighting with me and insulting me. I also visualise them refusing to pay my money back to me. I worked my whole life and earned and saved few millions in my lifetime. People knew that I have money and people started asking me for loan on one pretext or other. Some included me in their business without a legal paper work and asked me to invest money in their business by becoming their partner. They looted me with both hands and now are refusing to return my money. My fears came true. I have already suffered two major heart attacks and my health is deteriorating every day and has made me almost bedridden. Very less amount has been left with me which is insufficient for the survival of my family. I keep thinking, fearing and getting more sick. Kindly advise, how I can overcome this situation.
Ans: Dear AS, what you focus on grows bigger with time as your mind has been trained to magnify it beyond what it truly is. 

You constantly worried about what you would lose rather than what you have. And in the bargain, trying to please people so that wouldn’t lose them, you ended up getting cheated due your poor decisions.

Let bygones be bygones.

How about at this very moment as you are reading this, think exactly how you had managed to make those millions of rupees?

There is something wise in the way you managed your work/business/network to create that wealth, isn’t it?

So what is it?

Take out a diary and jot it down.

We have a lot of inner resources to bank on that we give ourselves credit for. And if you have done it once before, you truly know how to do this once more.

Just that, your health and loss of money are making you believe otherwise.

Start with:
1. Planning household expenses statement. Right now, only priorities will count. Anything extra will be out till you have disposable income on hand.
2. If you are planning to start something new, do that with the same confidence from the time you were financially abundant and. If you are employed some place, do what you would do with your skills in every project and enjoy the fruits of labour.
3. Take care of your health. Ask your doctor, what exercises can be done by you to keep your health well so that you can work happily

Do remember, nothing is worth worrying so much; your family loves you and want you around them for a long time.

So, look into their eyes and know that the stress that you are carrying around like a special baggage needs to be dropped down this very instant.

Take care and be happy always!

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Anu

Anu Krishna  |830 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2022

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Dear ma’am, I really appreciate you helping the community getting mentally healthy.I feel very complicated and sleepless. Please help.I am 45, male. My whole life, as I remember, I have been taken advantage of -- by friends, parents, siblings.I am sensitive, I have anger but I cannot talk back or stand up for myself and try to adjust, move on, simmer within, not to talk back to elders (or anybody). If I talk back I get so much guilt, and maybe so continue to be taken advantage of.I have had many soft abuse/humiliation/pressure episodes with friends/family that are stuck and stuck; but those don't happen since I am grown-up, plus people are no more around. I feel I got damaged that way.But financially since the last 20 years -- relatives, friends, father, siblings have cheated me loaning money with false promises and they don't take care about their loan responsibility and live their sporty life. Here I feel like a beggar the whole time enquiring about getting my own stuck money back, getting false promises, false reasons, hundreds of those conversations, also sometimes making me feel guilty in reverse (what is your money urgency type?) to ask my own money back. Those people are still around. The total runs in many lakhs just principal and nominal interest also will run that much. I don't have energy deal those people, negativity, bad values that comes along. So last few years, I just kept mum, on surface smile (internally bad memories). But that is bu**sh**Six months ago, I decided and started cutting off those people for good. I don't need negativity. I have enough savings. I felt relaxed that I at least mentally I took that hard decision.But other side, it is so difficult as they are close people, family, friends -- I am bound to see them at family functions, my mom/wife/kids talk with some, they may call them home also etc. I feel afraid and super angry to even see their face, and even if they hypothetically return money -- I don't feel like accepting it also; let them remain cut off from my life.Plus I suffer from depression since 15 years (on/off medicines) that mom/kids don't know, wife cannot really empathize. I just feel too weak. Did I do the right thing to cut off people and stick to that decision in future? How to face them in life then?
Ans:

Dear KK,

The reason why people bend backwards to do things for people and have trouble saying NO is because they worry not being loved by others or getting their attention.

Maybe they also worry about being alone because others might reject them if a boundary is drawn.

So, find out why you have been allowing these people (family and friends) take advantage of you.

When will you find the strength to respect and value yourself?

Once you do, others will do that as well and not complain about you standing up for yourself. And there is no need to hold onto people by being nice to them by loaning money. Are they going to lie you for the money or for who you are?

Work with the person who has prescribed medicines for your depression on the deep-rooted cause for your poor self-esteem which makes you depend on others to make you feel good or feel anger when you see them.

Till you work on these, your connection with your family will be a struggle. So, help yourself first by taking care of your emotional health.

All the best!

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Archana

Archana Deshpande  |24 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 30, 2024

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Dear Guru, I work in the technology space, and as with most careers, it is challenging and stressful. I work long hours (10-12hrs on avg). My problem is that I get disturbed sleep and am unable to get work related thoughts out of my mind wherein I even dream about solutions to work problems. I am afraid this is going to hurt my health and burn me out soon. Please advise on how I can detach from work to get a refreshing sleep.
Ans: Dear Bhawik!!

Pat yourself on the back for being a committed employee. The problems you have stated happen to most people who give their 100% to their work. Since you already know what it is to be 100% at work, it is time for you to give your 100% at home and to yourself.
You need to mentally detach yourself from work the moment you step out of the office building.
How will you do this? Adopt the following-
1. before leaving the office list out all the activities for tomorrow , prioritise them and mentally commit to them as tasks for tomorrow.
2. as soon as you exit the office building take three deep breaths , inhale and exhale deeply - this is called a transitioning breath which helps you transition from activity to another
3 establish rituals like listening to music( which you love) the moment you leave the building
4. if your transit form office to home takes some time, then practice being in the moment by looking around - the people, the trees, the sky, let all your senses be involved- use your eyes to see, nose to smell, ears to hear the sounds around, feel the breeze in your hair/ on your skin. This makes you feel 100% alive. Stay in the moment.
5. when you reach home, greet your loved ones with a smile
6. spend a little time doing nothing , just be
7. enjoy your meal mindfully
8.take a small walk after your meal
9.spend min 10 mins doing something that brings you joy, for me it is reading a book, what is it for you?
10.go for a guided "Yog Nidra" before sleeping.

Do not intellectualize these suggestions. Just do them. They are tried and tested methods for a proper demarcation between work and home life.
Best wishes for a life well lived and restful sleep..
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Sunil

Sunil Lala  |178 Answers  |Ask -

Financial Planner - Answered on Apr 29, 2024

Shekhar

Shekhar Kumar  |107 Answers  |Ask -

Leadership, HR Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 25, 2024Hindi
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Hi, i have completed my masters in food technology and want to work as freelancers as a auditor in food industry could you guide how to go about doing.
Ans: Transitioning to freelance work as a food industry auditor can offer you flexibility and autonomy in your career. Evaluate your qualifications, experience, and skills in food technology, quality assurance, and auditing. Identify areas where you have expertise and experience that are valuable to potential clients in the food industry. Familiarize yourself with the requirements and standards for food auditing, including regulatory requirements, industry standards (such as ISO 22000, HACCP), and customer specifications. Understand the auditing process, documentation requirements, and audit protocols. Consider obtaining relevant certifications or training in food safety auditing, such as Certified Food Safety Auditor (CFSA), Lead Auditor Training, or other accredited programs. These credentials can enhance your credibility and qualifications as a freelancer. Network with professionals in the food industry, including food manufacturers, suppliers, distributors, and regulatory agencies. Attend industry conferences, seminars, and networking events to connect with potential clients and collaborators. Determine the specific services you will offer as a food industry auditor, such as food safety audits, quality management system audits, regulatory compliance assessments, or supplier audits. Identify your target market, including food manufacturers, processors, retailers, or food service providers. Develop a professional brand identity for your freelance auditing services, including a business name, logo, website, and marketing materials. Highlight your expertise, qualifications, and unique value proposition to attract potential clients. Determine your pricing structure based on factors such as the complexity of audits, scope of services, and industry standards. Establish clear policies regarding payment terms, project timelines, and confidentiality agreements to protect both your interests and those of your clients. Promote your freelance auditing services through online channels, social media platforms, industry forums, and professional associations. Create content related to food safety, quality assurance, and auditing best practices to showcase your expertise and attract potential clients. Cultivate relationships with potential clients by offering value-added services, such as training, consulting, or ongoing support. Build trust and credibility through transparent communication, professional conduct, and delivering high-quality audit reports and recommendations. Establish systems and processes for managing your freelance business, including client communication, project management, invoicing, and record-keeping. Prioritize time management and organization to balance your freelance work effectively. 

Keep learning, networking, and refining your approach to meet the needs of your clients and achieve your professional goals as a freelancer.
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Ramalingam

Ramalingam Kalirajan  |959 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 29, 2024Hindi
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Money
I retired earlier now at 53. Invested 7L in ELSS and using 60L on short term equity trading (with monthly average gain 2L) and having own apartment home worth 40L. Having dependent widowed mother, wife with 13 yrs old daughter. Intended to raise daughter as doctor. Please suggest better investment options.
Ans: Congratulations on your early retirement! It sounds like you've made some good initial decisions, but there's definitely room for improvement to secure your family's future, especially considering your dependents. Here's how you can optimize your investments:

Reduce Risk in Short-Term Equity Trading:

While a ?2 lakh monthly gain from short-term trading sounds impressive, it's a very risky strategy. The market can be volatile, and these gains may not be sustainable. Consider allocating a much smaller portion (maybe 10-20%) to short-term trading and focus on more stable options for the majority of your investable assets (?60 lakh currently in trading).
Focus on Long-Term Growth and Stability:

Increase Investment in ELSS: ?7 lakh is a good start, but for your daughter's education and your retirement needs, you'll likely need a much larger corpus. Consider increasing your SIP amount in ELSS or similar diversified equity mutual funds with a long-term horizon (10+ years).
Explore Debt Options for Regular Income:

You mentioned having a dependent mother and daughter's education to plan for. Consider investing a portion (maybe 20-30%) of your investable amount in safer debt options like Public Provident Fund (PPF), Senior Citizen Savings Scheme (SCSS) for your mother (if she's above 60), or fixed deposits to generate a regular income stream.
Plan for Daughter's Education:

Doctorate studies can be expensive. Start an SIP in a dedicated child education plan or invest in aggressive equity funds specifically for this goal. Talk to a Certfied Financial Planner for personalized recommendations based on the estimated cost of medical education.
Utilize Your Apartment:

While your apartment fulfills your housing needs, consider if it could generate additional income. Explore options like renting a room if feasible.
Seek Professional Guidance:

Given your multiple financial goals and risk tolerance, consulting a Certified Financial Planner (CFP) can be highly beneficial. They can create a personalized investment plan considering your risk appetite, time horizon, and financial goals.
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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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