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Khevna

Khevna Shah  | Answer  |Ask -

HR Expert - Answered on Feb 13, 2023

Khevna Shah is the head of human resources at Coverfox Insurance. She has 14 years of experience in human resources across industries like manufacturing, banking & financial services and insurance. Her expertise includes talent acquisition, retention, employee engagement and developing a performance focussed culture.
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Asked by Anonymous - Feb 12, 2023Hindi
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Hi every one I am working in a reputed group of company and having good position and good responsibility of my company, but last few month it has been observed that my boss is ignoring and bypassing me some how. He is promoting my juniors and playing a dirty politics, such as divide and rule. I had a chat with my top boss regarding this but no positive response till time. We had hot discussion with my boss. in my opinion top management is also listening of my boss and he is doing unethical job in group. Please advise the option. please help me out.

Ans: You already did the right thing by approaching your skip level when you realized that you are not being heard by your manager. In case you are convinced that the culture and management of the company is not suitable for you, the alternative could be to find something that is more apt for your professional growth & temperament.
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Asked by Anonymous - Jul 03, 2024Hindi
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I joined a large FMCG group company at their factory, and ran right into a boss who is clearly prejudiced against me. My boss is less educated, 'risen from the ranks' employee with over 10 years of service. and has good rapport with the directors. He has a team of sycophants, and that 'close' circle of people (my co workers), feel uneasy with me, with my higher qualifications, and a higher joining salary. Within that group they indulge in malpractices, commit mistakes, but no one reports. However, they are always picking me for smallest of issues. Boss even threatened to sack me at time of confirmation review. He never discusses any problems with me, and reports directly upstairs aa if building a case against me, bit by bit. Recently, I had a chance to speak to tge director, and reported these matters to him, about the bias. However, it was apparent that Director is likely to side with my boss because he is old employee, with larger clout etc. Under this circumstances, I am worried, that without any fault, without discussion of day to day issues, I am getting cornered to doom. How should I deal with it ?
Ans: Hi!!
I really really can empathise with you, having been in a similar situation a few years ago. Having a boss who is less educated than you is always very tough. They'll always consider you as a threat and hence this kind of behaviour towards you.

What I suggest to you is this ...check yourself and your attitude towards everyone in the office. Is your mannerism and demeanour that of superiority? Do you behave/appear like a threat? If "yes", then time to correct you body language and make efforts to show that you are a team player and become likable too.

Now that you are working with them and if you are still interested in working for this organisation and people, then these are my suggestions -
- first and foremost he is your boss, it is not simply that ppl say, "boss is always right"
- find out the reason for his prejudice, see if you can work on taking it away or on minimizing it
-you are the smart one here, find ways and means of befriending your team members, one at a time, showing your good side, help as many ppl as you can without any expectations. I have this belief that no human being is bad, just address their insecurities.
- never confront anyone in a group
- you are the junior, behave like one, don't be a sycophant, but be a team member
- you can always use words like 'can you pls guide me' etc, when you are addressing anyone who is older and more experienced than you
- don't bother about how others are working and what mistakes they are a making ,neither do you have control over them nor are you the one to decide the consequences of their mistakes. You be impeccable, give your 100%, be an asset to the company.
- when you make a mistake, say sorry, correct it and move on, without attaching anymore to it than the fact that you made a mistake and it needs to be corrected( this is essential for your peace of mind)
- your boss is here since 10 yrs, he has a good rapport with the directors, there must be something in him to learn and imbibe. Pls learn and imbibe, it'll be a great asset to you as you grow in your career
- be a team player, take it slow, it is always very tough to build rapport and gel with new teams, it takes time, thought, energy, efforts to become part of a group. Give yourself and others the time
- you have already reported it to the director, trust him help you out
- build harmonious relationships with everyone around
- protect yourself too, learn to speak up, stand up for the right issues but with due respect and the right language
Observe yourself and others, you'll surely find a way to connect and work in harmony. Try all the possible solutions I have suggested, give yourself 6 months to one year, if the situation improves with your good intention and efforts, stay in this job, else quit. No one should stay in a toxic work environment ever. But do try to make it work, you'll emerge stronger and smarter.

All the very best! Remember I am with you now!!

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Asked by Anonymous - May 18, 2025
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I am 47 years old, have saved approx 2.3 crs through mutual funds, nps, epf, etc. I save around Rs1.25 lacs pm. I wish to work for 5-8 more years. My son is in 12th and wants to pursue engineering. I live in office provided lease accommodation and dont own any house. Is purchasing a house in my name necessary or can I just continue to save for retirement and stay on rent? Will the corpus be enough when i retire after 5-8 years?
Ans: At 47, with a solid corpus of ?2.3 crore and monthly savings of ?1.25 lakh, you're on a strong financial path. If you continue saving for 5–8 years, assuming modest growth (10% annually), your corpus could grow to around ?4.5–5.5 crore—potentially sufficient for a comfortable retirement, especially if expenses are kept in check.

Buying a house isn’t strictly necessary unless emotional security or future housing stability is a priority. Renting can remain viable if you're disciplined with investments and ensure rising rents don’t strain your retirement income. You may also consider buying a smaller house closer to retirement, funded partially by your corpus, without compromising long-term returns.

Also factor in your son’s engineering expenses in the next few years, which could temporarily reduce your savings rate. Ensure you’re adequately insured (life and health) and have an emergency fund. A financial plan aligning your retirement income needs with inflation-adjusted expenses will help fine-tune your decisions.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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MF, PF Expert - Answered on May 19, 2025

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Nitin Narkhede  |68 Answers  |Ask -

MF, PF Expert - Answered on May 19, 2025

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Dear Sir, Me and my wife are 39 years old, our total in hand income from salary is 1.3 lakhs. I have a car loan EMI of 28100, 4 yrs left in tenure. We have personal loan EMI of total of 25k monthly and 4 yrs remaining. We have invested in 3k monthly in PPF and 6k monthly SIP in MF (both of us incuded). We pay rent of 26k per month. Our kid is 2.5 yrs old and we have put him in daycare as we have to go office. Daycare expenses are 9k per month, including his 3 times meal. Petrol expenses are 7k per month (have to take our own car as using public/shared/office transport takes additional 1 hr to an fro from office). Broadband and moble connection together costs us 2.2k per month and Electricity is 1.8k per month. Remaing amount is spent in Groceries+Misc. We dont have any gold/own house/land/parents house or any savings left nor do we have any cash left. We dnt have any insurance for neither of us. Our child is growing and we need money for his education and futue, we need to buy a home for ourself. How to plan for our child's education and future and our retirement and our income and our future.
Ans: Dear Deepankar,
At 39, with a child and heavy EMIs, focus first on stability. Get term insurance (?1 crore each) and family health insurance (?10–15 lakh). Build a 3-month emergency fund by cutting discretionary spends. Consider refinancing loans to reduce monthly EMIs. Pause SIPs temporarily; restart once debts ease. Shift to a more affordable rental if possible. Delay home buying until finances improve. Track every expense and optimize where possible. Later, restart SIPs for your child’s education and your retirement. Discipline and clear priorities now will secure your family's financial future. Consult a financial planner to structure goals and investment strategy effectively.
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