PERSONAL FINANCE


Create a résumé emphasising aspects that will be pertinent to the job I was making a profile for my friend, Anita. She is looking for a job and hadn’t made a résumé in a while. I asked her to mail me some information. She had already put down the basics like her qualifications and training....

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It helps in building trust and contributes to effective teamwork I was recently on a break in the mountains and along with a few enthusiastic friends, decided to be brave and try a few exploits. I did river rafting and a short trek. As I rocked through the rapids of the Sutlej River, I was...

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We live our professional lives by our personal values – often ingrained by our mothers Some might say it’s a revenue-generating model for a commercial society, but days like Mother’s Day are still celebrated. While I sincerely believe that every day is special with a mother, a day like that...

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Unit-linked Insurance Plans come in many varieties, like tulips, but could turn out to be weapons of mass wealth destruction. Debashis Basu and Shailendra Lotlikar expose the truth behind ULIPs Mutual funds (MFs) aim to generate only returns, whereas a unit-linked insurance product...

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Matrix organisations are the norm today. But such a structure can create serious conflicts. Here is an example Puja and Sharmila were college friends. They had been in close touch through the years as they studied further, embarked on their respective careers, got married, etc. One day, as...

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Five questions to consider when your idea gets rejected Avantika was very dejected. She had worked on an idea for weeks and had finally presented it to her boss who rejected it almost immediately. Her shock, combined with disappointment, made her feel almost slighted. This is not an uncommon...

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Kingshuk Mukherjee 08 May 2008
The discussion revealed that legislation on reverse mortgages and wills is either inadequate or riddled with complexity—clear evidence that the government and its regulators are out of sync with reality and people’s needs At a time when joint family structures are disintegrating and most...

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Don’t pre-judge seniors on the basis of their ‘advance reputations’ An HR professional once told me his learning process in meeting the new boss. He was the head of the HR function of a reasonably large company when a new CEO came in. Many in the team were not convinced that he would be the...

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Don't believe generalisations on careers unquestioningly A marketing manager of a consumer products company came over the other day, carrying chocolates and a gift, to thank me for the advice I had given her some time back. Swati was a management student a few years ago. She had come to ask me...

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It is not easy to choose between competing offers in the same company. Here is an example Choosing between two job offers is a normal dilemma. Deciding between two positions within the same company is even more difficult. The variables are fewer and differences are not so apparent, while the...

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Trust is the foundation of workplace relationships It isn’t easy to build trust and is certainly more difficult to rebuild it. In the previous article, I had recounted how one employee was vitiating the atmosphere at the workplace by constantly backbiting and complaining about the office as...

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Dr Nita Mukherjee on a voluntary group in Mumbai that promotes the Will-making habit Make-A-Will Foundation came together as a group of volunteers who wanted to promote social awareness regarding succession planning and preparing people for “life after death”. It has no formal set-up as...

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Trust, a major issue in any organisation, cannot be measured but has commercial consequences My friend owns a small business that employs about 35 people. The management staff consists of a senior management committee, a set of designers and some junior associates. While the workplace...

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Personal value systems make up corporate ethics; so lead by example Early in my career, while working on a culture survey for a client, I understood what strong values mean and the importance of honesty to become truly successful. Here is the story. The CEO of the company came from an...

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A story of kindness in the corporate world I was witness to this conversation at a client’s office recently. I felt it was a touching story and worth sharing, especially as we ring in the New Year. This was truly a celebration of team spirit and a show of human kindness in the corporate world....

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Here are some simple steps Some time ago, a professional in the investment banking sector asked me what he should do about the sudden lack of energy that he felt at work. He wondered whether he had outgrown his job or was just burnt out. The variables at the workplace had not changed...

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Effective communication is a crucial factor in career progression as this example underlines Subbu (name changed) was scheduled to go for an interview for the post of marketing head. The date, time and venue were confirmed by the company in advance. He was going to be interviewed by the CEO, a...

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Changing careers can be a positive, only if you remember these five things I was recently called by a person for career advice. He had an interesting question about making calculated career moves. He asked if it really mattered in today’s world to make deliberated job changes, considering that...

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5 ways to combat that sorrowful feeling after the holidays The festive season has begun and everyone is making plans to take a few days off as a good escape from the routine. Whether it’s a short break or a longish holiday, this is a time not only to relax and ease the stress, but also meet...

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Shalini Amarnani explains how to avoid such a fate Though widely used and immensely convenient, credit cards can become your worst enemies if you are careless. One negative aspect of using credit cards, instead of cash, is that you don’t feel you’re spending real money. The pleasant feelings...

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