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Ravi

Ravi Mittal  |469 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 08, 2024

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Asked by Anonymous - Sep 27, 2024
Relationship

Hi Ravi. My husband is 37 yo. He had a career downfall a couple of years earlier, and now is just able to stay afloat. Compared to others his age, he is earning a meagre 50k a month. My in-laws are very well to do. My brother in law as well is exceptional in his career. This makes me very insecure. When I bring it up to my husband that he should be earning much more, etc, he gets angry and retaliates saying money isn't everything and he has utmost respect at work. All these are hollow words to me being said by someone who is not excelling at work. I would also like to add that I am 31 and also earning 50k. I can understand he had a career downfall, due to which today hes a compromised position. But what pains me is that he doesn't realise how slow and behind he is as compared to others. How can I get over my bitter feelings?

Ans: Dear Anonymous,
I understand your perspective and your feelings are valid. Having said that, I would like to remind you that it is unkind to draw comparisons between people- repeatedly reminding your husband about his career downfall, or his brother's and parent's success will do no good, rather it will hurt him irreparably. And I am sure he didn't bring about this downfall intentionally. As long as both of you are leading a happy and comfortable life, comparing your life to others or comparing your financial status to others will do you or your husband no good. It's not easy to pull yourself up; support him, and motivate him, but do not remind him that he's earning way less than others- rest assured, he knows that and possibly beats himself up for it without your knowledge. I am sure he will prosper soon.

Best Wishes.

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Anu

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Relationships Expert, Mind Coach - Answered on Mar 17, 2023

Asked by Anonymous - Mar 16, 2023Hindi
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Dear Maam, I am a 45 year old married woman. (Married for last 10 years). We do not have any children as yet. My husband was employed at the time of marriage, however, he quit his job within a couple of months of marriage and has remained unemployed since then. His mother, my MIL happily supports him in this matter and keeps treating him like a 10 year old boy. Since my husband has no source of income, he keeps festering me for money to buy all sorts of things and becomes irritated and angry and doesn't speak to me for days when I refuse to give him any money. We do not have a single joint bank account and I am afraid to share my bank account details with him as he will insist on the Debit Card and spend all my hard earned money. I have tried speaking to him about his employment status and have told him clearly that amount of salary is not important, but instead he should be gainfully occupied instead of watching movies with his parents all day long. Another irritating habit of his is to watch his car five - six times a day. People taunt him for his joblessness and his obsession over his car. (Maintenance money is also paid by me). His parents are 100% in his favor and told me many times that they have raised their boy nicely and that I shouldn't tell him how to live. I don't remember the last time I have been physical with him. Must have been 5-6 years back atleast. I am fed up completely and dont know how to put some sense in him.
Ans: Dear Anonymous,
You have married a man who refuses to grow up. And to top it all, his parents get a kick out of him behaving like a child. Maybe it eases their guilt of being better parents to him than they were when he was much younger. Whatever it is, please think for yourself if you want to raise a child instead of living with a man who is your husband. He shows no signs of wanting to take responsibility and be an adult here.
So, what exactly are you supporting this man for?
Why are you allowing him to live off your money?
What makes you reinforce his tantrums by being a child?
What more needs to happen for you to see that your marriage is in shambles?

Either take him to a professional who can help him sort out his challenges OR if that does not work, think about your life and make solid decisions in your favor.
You are financially independent and even after 10 years of marriage, if you are still squabbling over a husband who is a child, you know how you can lead a better life.
So, try talking him into going to see a professional first...

All the best!

..Read more

Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 13, 2024

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Relationship
Hello maam i am married since 18 years and since last 5 years my husband is not earning but my in laws are well to do me and my husband are in a relation where we end up quarrelling even if we have converstion of 2 mins i am financially independent and have son of 14 years but he is truely in influence of his father i dont have parents nor a sibling i dont know what to do i sometimes feel if i leave my husband and if i fail in my job than what about my future my age is 38 in all my surroundings i have seen all husband take care and responsiblity of their wife but my husband is totally self centered and the most pathetic thing is he does not even realize this please suggest what can be done
Ans: Dear Richa,
You are financially independent and any decision you take for your life will be based on that, right?
Who knows what the future hold and one can only be hopeful that all that is done in the present times yield a good result in future.
So, whatever decision you want to take, do that keeping what it is right now...also, have faith in your capability to earn and hold your head high BUT do give your marriage a fair chance considering your son may also get rattled by any harsh decision. Do you not feel that it is time to actually confront your husband. What is he planning on doing? Sitting and waiting for something to happen for him?
He has possibly got into a place where it is comfortable not to work and things happen around him for him and everyone else. So, there really is no need for him to lift a finger. Urge your in-laws to talk to him and drive some sense into him. If he still makes no move to get proactive and take on his part of responsibilities within the marriage, think about how long and how far you want to go with this. A bit of coaching/therapy can help, but only if he willing to see that it's needed for him. More than anything, I want you to have faith in yourself and play to your strengths.

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

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Kanchan

Kanchan Rai  |442 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 02, 2024

Asked by Anonymous - Jun 02, 2024Hindi
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Relationship
Dear Anu, I am married for 28 yrs. Throughout my marriage, I have felt very insecure about money. I have always tried to be independent but my husband had discouraged it. So though I earned, it wasn't much. It was enough as my pocket money, or maybe a bit more. Then when I was 46yrs old, and my husband 60, he started saying that he could no longer earn and I had to support myself. At first I was shocked and devastated, but gradually i accepted and started working hard. He also started living separately and comes home for 2-3 days, every week. I have stopped needing him emotionally and financially. But he is very inconsistent with his finances, which brings back my earlier insecurity. Also he doesn't practice what he says. Suppose we plan something and I expect that to happen, but then I find he doesn't do it. I feel very cheated. For example, we decided to rent out our garage, and he said that I could pay the electricity bill of our house with that. But then , when we get a tenant, he takes away the money. This is just a small example. Many other , big things have happened . Because of this, I feel frustrated and very dissatisfied with the relationship. But outwardly, we are a happy family. I have a son of 27yrs also. I have tried talking to him about it, but he avoids it. Inspite of telling him time and again to find something to do he refuses it. His career was also very inconsistent, and a very long story. How do I deal with him? Should I leave? I don't want to. But I really don't know what to do.
Ans: I hear the deep frustration and sense of betrayal you're experiencing. Navigating a relationship where financial security and trust are consistently undermined is incredibly challenging, especially after 28 years of marriage. Your feelings are valid, and it’s important to address them thoughtfully.

Firstly, it’s crucial to recognize and validate your own strength and resilience. Despite the obstacles, you've managed to become self-reliant and support yourself financially. This is a significant achievement and speaks to your capability and determination.

Your husband's inconsistent behavior and financial unreliability are understandably distressing. It seems that his actions have repeatedly undermined your sense of security and trust, which are foundational to any relationship. The pattern of him not following through on agreed plans, such as the example of renting out the garage, erodes trust and contributes to your frustration.

Given that he avoids discussions about these issues, it might be helpful to approach the conversation differently. Choose a calm, neutral time to express your feelings clearly and directly, focusing on how his actions impact you emotionally and financially. Use “I” statements, such as “I feel insecure and frustrated when our financial agreements are not honored,” to avoid making him feel defensive.

If he continues to avoid these conversations, consider involving a neutral third party, such as a marriage counselor. A professional can facilitate healthier communication and help both of you understand each other's perspectives better.

However, it’s also essential to evaluate your own needs and boundaries. Reflect on what you need to feel secure and fulfilled in the relationship. If these needs continue to be unmet despite your efforts to communicate and resolve the issues, you might need to consider more significant changes.

Leaving a long-term marriage is a profound decision and one that requires careful thought. You’ve mentioned that you don’t want to leave, and it’s important to explore all avenues before making such a decision. However, your well-being and happiness are paramount.

If your husband remains unwilling to change or address your concerns, you may need to create boundaries that protect your financial and emotional health. This could involve having separate finances or setting clear terms for financial decisions and responsibilities.

Ultimately, the goal is to ensure that you feel secure, respected, and valued in your relationship. It's a challenging path, but with clear communication, professional support, and self-reflection, you can navigate this difficult situation and find a resolution that honors your needs and well-being.

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Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 16, 2024

Asked by Anonymous - Sep 13, 2024Hindi
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Relationship
Hi Mam, I am 30 year old working IT. I got married 3 years ago. We do not have kids.We loved each other and got married. He is 12 years elder to me. He has been earning and is responsible. He takes good care of me and he helps me in household work. There are good things about him. But, he has lied a lot in financial matters. He and his family had potrayed that they are settled. In fact, they are in lot of handloans and debts. My husband has taken huge amount of home loan without discussing it with me. Also , his parents are financially dependent on him(This was also discussed earlier but he had not told about this. He had hidden this also saying they are getting another source of income) He has a brother who is arrogant and is not working. Brother is 33 years old. (This was also not disclosed. My husband had just told that his brother is not earning as of now but he will earn in future) My inlaws say that brother will work in near future and he will also contribute to the house. But, i have no hopes in it. We have been quarelling over every single thing because of his brother. Our normal converstaion does not last for more than 5 min. It will turn into a huge fight. Fight has gone to such extent that it has got abusive, no respect for each other and family and violent. This is just not alone from his side. I have my anger issues too. We are aggressive too in nature. My husband is burderned because of this. My husband has two families (ours and his) to take care. I am not able to plan for a kid because i have lost the trust in my husband and feel insecure financially. Also, he is aging. Please suggest what do i do with him. I am not able forgive him for what he is done. He has accepted his mistake. He agrees to whatver i argue because fault is at his end. But, I fear where we will not be afford for a baby. I dont know what he will do if i quit my job and extend my maternity leave. I dont trust my husband. I fear where again he will take loan, i fear where he would lie again. We are struggling here and his brother has no idea that our relationship has strained because of him!! I want to talk it out to my husband's brother in front of my in laws and explain him. Other wise, should i stay with my husband?? Should i leave my husband??? We do have feelings for each other but I dont have peace of mind. Please suggest mam. I need a direction. My health is getting spoilt and i am in stress all the time because we shout and fight each and everyday..
Ans: Dear Anonymous,
Out with all the lies and start afresh and your husband needs to be with you on this one...
This past baggage that is looming over your head has to go...If you need to trust him again, this requires the two of you to set aside your differences and start on a new slate!
No more hiding or lies or doing things that prevent you and your husband from starting a family or actually managing one. Is he prepared for that conversation? Are you prepared for that conversation?
Face your problems and that will give you an indication and clarity as to what you want in your marriage, what you expect from your spouse and what is that you want out of the marriage.
So, instead of thinking about leaving your husband, would you not rather try and work on the marriage first?

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

..Read more

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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

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I am 37 year old Commerce Graduate. I was in an unorganized business, which cannot be pursued any farther. Will it be wise to do CPA at this age without formal experience in Accounting, for a decent job? Is there any other course to pursue?
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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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

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sir i am commerce gratuate prepared 2 years for CA coul'd not succeed what are the diff career op for me
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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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

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My son is doing BBA( 1st year.) Which extra course help him future.
Ans: Shubham Sir, The BBA degree is a strong foundation for a career in management, business, and entrepreneurship. To enhance his skills and employability, consider taking additional courses that align with his interests and career aspirations. General skills for business and management include data analytics and business intelligence, digital marketing, financial modeling and investment analysis, project management, communication and soft skills, and industry-specific skills like finance, marketing, entrepreneurship, supply chain and operations, and human resources. Technical skills include basic coding and IT skills, accounting software, artificial intelligence and machine learning for business, and cybersecurity basics.

Certifications and competitive exams can add value to his resume, such as Google, Microsoft, and Chartered Financial Analyst (CFA). Global business awareness is crucial, and practical experience is essential. Internships in industries of interest and participating in startup incubators or entrepreneurship contests can provide practical exposure. A suggested roadmap for a successful BBA career includes focusing on foundational skills, gaining technical knowledge, starting internships or part-time projects, and preparing for competitive exams like GMAT or certifications like CFA.

All the BEST for your Son’s Prosperous Future, Sir.

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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

Asked by Anonymous - Nov 24, 2024Hindi
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Career
My daughter studying bsc biotechnology 1st semester please suggest me about her future career
Ans: The decision by your daughter to pursue a BSc in Biotechnology opens up a wide range of career opportunities in diverse and rapidly growing fields. After completing her BSc, she can either pursue further education or enter the job market directly. Options include MSc in Biotechnology (or Related Fields), MBA in Biotechnology/Healthcare Management, PhD in Biotechnology, PG Diploma Courses, and pursuing a master's degree in top countries for biotechnology.

After BSc, she can work in various sectors and roles, such as lab technician, research assistant, quality control analyst, healthcare and pharmaceuticals, agricultural biotechnology, environmental biotechnology, food and beverage industry, bioinformatics, government jobs, or entrepreneurship. High-paying and in-demand fields include medical biotechnology, bioinformatics, industrial biotechnology, agricultural biotechnology, environmental biotechnology, and genetic engineering.

The best study and career locations for MSc/PhD are IISc Bangalore, IITs (Kharagpur, Kanpur), JNU Delhi, University of Hyderabad, and government initiatives like DBT (Department of Biotechnology). Skills she should develop include technical skills, research and analytical skills, soft skills, and certifications.

To build a strong foundation in core biotechnology subjects, she should participate in internships or summer research projects. After BSc, she should prepare for entrance exams, network, and consider financial considerations.

All the BEST for your Daughter’s Prosperous Future.

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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

Asked by Anonymous - Nov 23, 2024Hindi
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Career
Confused about the future after doing bsc biotechnology. In which subject I should do msc ? Ok india or abroad? Which biotechnology sector have high paying jobs ?
Ans: Biotechnology is a promising field with numerous career paths. Choosing the right specialization and study destination depends on interests, career goals, and financial considerations. Some popular specializations include Biotechnology, Microbiology, Biochemistry, Bioinformatics, Food Technology, Environmental Biotechnology, Medical Biotechnology, Genetic Engineering, and Industrial Biotechnology. Studying in India offers affordable education, access to reputed institutions, and a growing biotech industry. Abroad offers exposure to advanced research and technologies, higher-paying jobs, and better industry connections. High-paying sectors in biotechnology include pharmaceuticals and biopharma, healthcare and diagnostics, bioinformatics, industrial biotechnology, agricultural biotechnology, and environmental biotechnology. High-paying countries for biotechnology careers include the USA, Germany, Canada, Singapore, and India.

For those looking for cutting-edge research and higher-paying jobs, consider studying abroad in countries like the USA, Germany, or Canada. For those preferring affordable education and a long-term plan to settle in India, pursue MSc in a specialized field from top Indian institutes. Opt for fields like Bioinformatics, Medical Biotechnology, or Industrial Biotechnology, which offer the best combination of high salaries and demand. All the BEST for your Prosperous Future.

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Nayagam P

Nayagam P P  |3989 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

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Sir Greetings! is it true that now UGC wont differentiate rather treats equally both regular and correspondence degree or PG. Even correspondence students are eligible and apply for both govt and private sector jobs. I heard even companies need to accept correspondence degree done in India. Sir please clarify without any ambiguity in this regard. This is Q has been bothering me for quite sometime
Ans: Anirvinna, The University Grants Commission (UGC) and other regulatory bodies in India have made significant efforts to ensure that distance education degrees are treated as equivalent to regular degrees. The UGC states that degrees obtained through distance or online education from recognized institutions are equivalent to regular degrees, applicable for both government and private sector jobs. The Distance Education Bureau (DEB) ensures the quality of distance education programs and oversees compliance. Distance education degrees are valid for all government jobs, professional courses, and private sector acceptance. However, some organizations may prioritize candidates with regular degrees for certain roles due to perceptions of classroom rigor or networking opportunities. The UGC has encouraged universities to offer quality online programs, reducing the stigma associated with correspondence education. To enhance career prospects, consider pursuing correspondence programs from well-reputed institutions with strong alumni networks and industry connections. All the BEST for your Prosperous Future.

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