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PDF Editor FAQ

Should I break up with my girlfriend of 3 years, even though we love each other deeply and are planning to get married next year? I want a willing stay-at-home mom, and she doesn’t want to quit her career if we have kids.

Compatibility is key to a long-term relationship. If you are strong with your values and principles and will not compromise, then you have your answer. Otherwise, I pose these questions to you:Have you seen a couples therapist?Have youasked her and discussed in greater depth her reasons?Have you considered the fact that many families have dual working parents and whose kids evolve into typical and contented (more or less) adults?Have you considered changing your principles to compromise for a marriage and family?Family isn't about getting what you want but averaging what everyone (may) want and adjusting the structure so everyone's needs are met. Family is about loving through compromise. It pushes boundaries so that you, as an individual, will learn and accept what yours are, and know when some boundaries are fluid while others are rigid.What if you did marry someone who said she and vowed to be a stay-at-home mom but was an alcoholic? Or if she was a secretive addict to a drug or treated the child(ren) poorly? Or she's divorced with kids and wants to stay-at-home? Or you marry her and she's infertile for whatever reason? Sometimes you can expect that you find what you want and they are what you believed, but then they are their own person making decisions, and the outcome isn't what you expect.If this woman is someone you believe would make a great parent, consider that strongly against whether she wants to work or not. Because as an individual that considers work as a source of independence and freedom, not having that is a rather large step back from women's rights and the choice to stay involved in the working world. Also, a woman who is discouraged from accessing that freedom will have difficulty making it on her own, should the marriage result in divorce (imagine that the state will still award her 50% of communal property (and significant child support), if you live in CA).Marriage isn't about the present moment but the future of the relationship and how it begets a series of micro-futures. I would suggest that you keep your mind open, but keep following your heart. A future that is rigidly written will lead to perpetual unhappiness.

What is your success story of becoming a chartered accountant (CA)? How hard did you work to clear CA exams? Where are you now? How is your life now?

Just like the famous movie Taare Zameen Par… Every Child is Special, we can have a movie titled CA Zameen Par… Every Attempt is Special.If any day, you want to gain the attention of a Chartered Accountant, just ask him/her the story of how he/she became a Chartered Accountant. And all of a sudden, you will see a new vigour in the conversation, just like this question has fascinated my attention. The above part might sound reasonable, but the interesting part is, they will share the story of their failures with equal or more pride than the story of their success. This might feel weird, but I tell you, there is nothing wrong in it. There is an adamant reason for it which you will understand by the end of this answer.The world might call it a Strange Story, but we call it a Great Story. More the number of attempts taken, the more great story it is considered. Hence, a disclaimer, since I never had the opportunity of giving a second attempt in the CA course, my story is not any great story or a strange story. It is an ordinary everyday story of every Chartered Accountant and hence, sharing the same so that people who do not belong to our fraternity will understand our life a bit.My Story / Normal Strange Story of a CAChoosing CareerLike all those Engineers today, even I too wanted to be an Engineer - something related to Computers & Softwares. I was very enthusiastic about the same. My acquaintance with computers was since primary schooling, but in Class V, when my father bought a computer, I finally had the opportunity to befriend them. Since then, Computers became my best friends. We had a lot of fights as well, during which I deleted its entire Operating System twice, but the doctor did well in recovering his senses. Ultimately, as time flew, we became great friends and eventually, this drew my interest in Engineering. I had also topped an exam which was conducted by a Premiere Institute, who gave coaching for IIT exams, which provided an impetus to the same.However, when I reached the point, where I had to decide the future course of my life, the IT sector in India was in deep, deep trouble. The hungry recession had eaten up most of the opportunities in this area and thereby my father made me join the Chartered Accountancy course instead of Engineering. I was disheartened then, however not today. Keep reading.If you ask Chartered Accountants, a majority of replies would be “I wanted to become x or y, but somehow I landed doing this course.”Commerce StreamClass 11th - 12th was genuine fun. The syllabus was easy, except for Mathematics. During entire Schooling, Mathematics was my favourite subject, but then it got replaced with Accounting. What a fun subject it is! Debit the receiver, Credit the giver, drawing lines, Accounts & T-format statements. In contrast, Mathematics felt like the worst subject ever, especially with the arrival of derivatives.This laid the foundation for “What will be my strategy to pass CPT examination.”CA - CPTThe affair with Accounting and hatred for Mathematics continued in CPT. The strategy was simple - Score in Accounts, ditch Maths. When I gave CPT, they didn’t disclose subject wise marks, but I am pretty sure that I scored 60/60 in Accounts, probably 38/40 in Law, 40/50 in Economics and balance 20/50 marks in Mathematics.Welcome to CA Profession, here everybody hates Mathematics, we love Accounting!CA - IPCCThere weren’t Coaching Classes in my city and therefore, I had to move to Pune for further studies. I don’t remember much about this part of my life because all we did those days was Getup-Class-Breakfast-Class-Lunch-Class-Juice-Class-Dinner-Homework-Sleep. That’s all. This is how those 6 months passed by, followed by 3 months of studies. Of course, the best part was hostel life which was an entirely different experience of life.This next part might attract your interest. In those days, all the time I used to keep thinking about- “How to Study for CA IPCC?” or “Is 3 months of Self Study enough?” or “Which books should I follow?” etc. Today the same questions exist on Quora, and I am providing answers to the same.When I joined Quora and explored the Chartered Accountancy topics, I realized, how every Chartered Accountant faces the same type of issues while pursuing this course. Ironically, we get the right answers to these matters only after clearing the examinations and then we realize, I wish I knew this before!Now I had studied only half the portion of IPCC, yes, only 50%. But I still managed to pass. No, I had not planned to study selectively. I had a detailed plan for studying the entire syllabus. I was happy that I will be able to cover the whole syllabus within 3 months, along with Paper solving. But it turned out that, 10 days before the exam, I had hardly studied 40–50% of each subject. But then, I took it sportively; because on my mind was“CA course is a tough course. It is not possible to pass with this kind of preparation. But there is no harm in giving it a try. Let's consider it as a Game, where some people will win, and some have to lose. It would be a helpful experience for the next attempt.”Undoubtedly, my exams were horrible. I knew proper answers to 50% of the questions since that is what I had studied. But I went on to solve the balance paper. All I did was recall what was taught in classes, remember the concepts, try to merge the concepts & the facts in the question and present a logical answer in my own language, irrespective of the answer given the books. But I had accepted the fact that there is no chance of passing, because of my poor preparation. Especially after the last paper of ITSM, where I had to take a 5-minute nap in between the three hours so that my brain actually functions. It was a terrible paper, and therefore, I knew 3 hours is more than sufficient time since I hardly know the answers, so taking a small nap is not a bad idea.I was so terrified with my performance that for almost a month post-exam, I couldn’t sleep. When I used to close my eyes, suddenly all Accounting Standards, ITSM concepts, etc. used to revolve in my mind. You can imagine my situation similar to Harry Potter who had dreams about Voldemort! Never in my life, I felt so depressed about my exam performance.Result day. I passed both groups. That’s when I realized, the CA course is not about how well you have prepared, but it is about how well you have understood. If you know the concepts, you can quickly answer the questions by logic, and you get the marks for the same. You don’t need to follow the book answers or their pattern.CA - ArticleshipTo summarize in one line, I can quote the famous dialogue from the movie ‘The Pursuit of Happyness’, “Now this... This little part of my life is called Happiness.” I can go on sharing for days about Articleship because there are tons of stories. But I choose to share the first ever story of Articleship, which can be nothing but your interview for articleship!My strategy for articleship was very simple - for few days become a Postman, post the resume in as many firms as possible, don’t say No to any call for an interview, gain as much interview experience as possible, since it will be useful in future. The first amongst the series of interviews that I gave was along with a stern interviewer who didn’t ask difficult questions but gave the scariest looks, who later became my principal. My Sir is 6+ feet tall, a handsome person with excellent command of English and Communication skills. Interestingly, he had completed his Schooling from Marathi medium school but the way he spoke, one will never have an idea of this fact. It turned out that I wasn’t able to answer “What are the three fundamental accounting concepts as per Accounting Standard 1.” I mentioned the two but forgot the third. And we still have a good laugh on it today. However, I got selected. But this was the first interview that I gave.I had offers from 3–4 other firms to join and the other firms which were much bigger in scale and size, but that Interview had so much impact on my mind that I decided to join it, just because I felt, this is the person who can really make my career worthy. I can say my Sir didn’t interview me, actually, I had interviewed him, because he made a long-lasting impact on my mind. I decided to compromise on the office, but not on the Principal.That’s when I learned friends, your principal is the key to your articleship. If he is good, your articleship will be great. So choose your articleship firm on the basis of how good your principal is and not on the basis of the firm, its clients, the areas of work, etc.My Principal supported me a lot during articleship, allowing personal development beyond the office work, backing all kinds of initiative ideas that I shared at the office and answering all kinds of queries, sometimes even the personal ones. My Articleship period, especially after the end of the first year, is till date the most heroic period of my life and probably will stay for an outstretched time.CA - FinalThe most crucial part of this course. I started with coaching classes in the second year, planned the whole strategy well. However, since exams were 2 years later, never felt the seriousness of regularly attending, besides Articleship also affected a lot. So my FR and SFM classes were ruined. However, later I strictly followed my plan realizing the grave problem I could be in if I didn’t become serious at that point. You might feel this strange, but I started keeping a record of my attendance on the first page of class notes, to encourage myself not to take too many leaves. I remember my record - while attending AMA, ISCA, DT, IDT - I missed only 6 lectures in a total period of 10 months, where Sundays were not holidays, so this was 10 months regular classes along with articleship.But this really paid off later. The regular attendance at class helped me a lot later in self-study and during exams. So friends, if you are attending classes, be regular, and you can try my stupid technique of keeping a record of absenteeism, it helps!When it came to preparatory leave study, unlike IPCC, this time, I was aware of what has to be done, what is not to be done. But that turned out to be of no use. CA Final was very much different from IPCC. Of course, answering logically does help here as well. However, the papers are exceptionally lengthy, besides being difficult. This makes the situation worse. If you are not well prepared, you can never write the full paper.I had CMA - Inter examination in December, right before my CA - Final exam in May. Until December, my entire focus was on CMA - Inter and therefore, although I secured rank in CMA - Inter, this affected my preparation for CA - Final. Just like IPCC, I started with a full plan for studying entire syllabus. And just like IPCC, I ended, not being able to study the entire syllabus. However, this wasn’t as bad as IPCC, since this time, I at least managed to study 3 subjects - FR, SFM & AMA in full. But the situation was worse with theory subjects Audit, ISCA & Law where I had managed studying only 50% of the paper. And Paper solving, once again, just remained a concept on paper.But preparation was not the real problem. When I went for the first exam, in reading time, I assessed the paper and found that all 120 marks paper is from sums that I have studied well. So I was happy. However, I was able to attempt only 40 marks paper, and 30 marks paper by way of merely one line answers. My answer to Value Added Statement was “40000 + 50000 + 10000 - 20000 + 20000 = 100000. Thus, GVA of XYZ Ltd. Is 100000”. That’s it! I answered 30 marks papers in this manner. And the balance 30 marks paper was left unanswered. I have a sweating palms problem, owing to which I cannot write fast and my handwriting speed is very slow. Since Class 10 to CA Final, when Papers are lengthier than school days, I have lost a lot of marks due to not being able to cover paper.My problem was different, but still, there were many students across India who were not able to solve the entire paper. So friends, moral of the story is “Paper solving bhi jaruri hai” (Paper solving is important)I still remember, how many times, I recounted my paper to check if I can score 40 marks or not. When I came out of the classroom, while all my friends were moaning for a difficult paper, I was moaning at not being able to cover the entire paper, even after knowing answers to full 120 marks paper. The good news is, I passed with 56 marks. How? The 40 marks paper that I solved, surely bagged me 40 marks. The balance 16 marks came from those merely-one-line-answers!Now you understand the importance of not giving up? If I had given up that day in the exam hall, when after 2.5 hours I had solved only 40 marks paper, today you won’t have been reading this story. This is what I call, being sportive at exams, trying to score as many possible runs off those last overs by slogging!FR paper was not the end of the story. SFM Paper turned out to be even worse. Some of my friends appeared directly for Costing Paper after SFM, since according to them, they neither had the chance of scoring 40 marks in FR or SFM nor the chances of scoring exemption in Audit & Law! This is called giving up, totally not recommended. The same story continued in Audit & Law. But I was already in deep tension after the double trouble of FR & SFM papers, since these were the papers that I had studied fully.After the first two exams, I had given up studying before exams. I just used to study 3-4 hours for each subject and used to watch IPL, play games, etc. This was because, I recognized, in FR & SFM I could have performed better had if I kept my cool. So to avoid tension, I started relaxing more before exams and studying less. And it worked. Although my preparation for Audit, Law, ISCA, etc. was not good. However, by being relaxed in exams and thinking logical answers on the basis of Articleship Experience, I wrote answers. And the result is open truth today - I am a Chartered Accountant.People thinking articleship is not important and has no connection with CA - Final, this is what you need to understand, how articleship experience can come to rescue in exams!Important PartThe syllabus, the exam papers, the articleship, etc. are not the only problems that a CA student has to face. There are many other problems that a student soaks before he ultimately becomes a Chartered Accountant. And I was no exception to it. Being a class topper since childhood, there was always a high pressure of family, friends & relatives expectation, at every stage of this course. One failure and I would be leading down the hopes of so many people!The world doesn’t have only good people. There are lots of people who will constantly keep telling you “These are the 10 things Saurabh, that you can never do in life.” or “You are good for nothing” or “You don’t possess the ability to do this” etc. *used-softer-words* Normally either people agree & develop inferiority complex or they will argue, fight & try to prove that they have the capabilities. I chose a different way. Every time somebody told me that you cannot do this or that, I made my point that in life, I will give a try to exactly these same things. And it turned out that many things out exactly these things that I was criticized for, became the assets of my life - the best skills that I possess today!So if next time somebody criticizes you, say nothing, just go back and give that very thing a try. The added benefit is - you know, who your real friends are, giving real advice, amongst the other people who are merely speaking out of jealous.Today becoming a Chartered Accountant alone is not enough to have a good career. I also had to make sure that besides good experience in articleship and good marks in exams, I also possess the communication skills, the innovative mind, the general awareness, work ethics and many other similar qualities. This made life difficult.But exactly this problem taught me, how to invest my time. If you invest your time properly (both in right activities and on right people) you can get everything that you want to achieve and leave behind all those people who mean nothing to you.The opportunity cost foregone due to studying for CA, articleship and the extracurricular activities for becoming a good CA, is very high. While many friends on social media pose & post photos at different places, many enjoying parties or outings, some engaged in relationships or some happily enjoying being free; we CA students had to be in restricted circles with restricted people and limited socializing, in order to have a good career.This makes many people a little depressed, but if you choose the right company & right way of spending your limited social time, you may not feel the difference from other friends.I said I had a deep interest in Computers and Softwares and not doing Engineering was disheartening at that time. However, as I progressed in the CA course, I realized that people here are not very Technosavvy. So indeed, my techno-savvy nature makes me special amongst Chartered Accountants, which actually amongst Engineers won’t have been a stand out feature.See how life makes the best use of your skills, it is just that you need to believe in yourself that good things will happen to you since you deserve it.Strange Stories / Great StoriesAmit Tated (ISCA Faculty) - He shares his story during the ISCA classes. It took him 5 attempts to pass CA IPCC. FM was the worst subject for him. Until his 3rd attempt, he didn’t even know how to calculate the Present Value Annuity Factor! He used to learn the factors, he didn’t know that they can be computed on the calculator, until one day he met a person in the library who taught him.Swapnil Patni (ISCA Faculty) - Another ISCA faculty who shares his story during the classes. Indeed, there is a special lecture that he keeps especially for sharing the same. I have not attended, but the people who attended it said that they literally cried while attending that lecture which comprised of his story and other motivational points.Venkataraman Murali (BOS Ex-President, ICAI) - He had failed 5 times in IPCC, but cleared CA Final in the first attempt. Today he features in the most elite committees of ICAI. So moral of the story is if you don’t get a job after multiple attempts, join ICAI! *Sarcasm*Shailee Choudhary (AIR 1) - She failed 7 times in IPCC and especially because of ITSM. However, the same girl, later in CA-Final, secured All India Rank 1. Besides, she also scored the highest marks in ISCA across India.Kailash Narayan Purohit (Jodhpur) - According to CA Groups 4 All this person kept trying to clear CA Final for 20 years and thereby, in 32nd attempt he cleared CA Final.Prema Jayakumar (AIR 1) - With no money in hand, with no coaching in CPT & IPCC, this Girl, who happens to be a daughter of Auto Rickshaw driver, topped CA Final exams. Her coaching in CA Final was possible only because the coaching classes gave her scholarships because of her exceptional talent.A Friend - Months ago a stranger contacted me. He wanted me to help him with the CA Final Audit preparation. He told me, he had given 6 attempts for Group I. All these 6 attempts his total score was between 190 to 199. Out of which, a couple of times he failed in Auditing. I helped him with Auditing paper this time and to my happiness, he passed in Auditing, however, failed in SFM! He is not a CA yet, but he is still trying, has not given up yet. However, he already works in Bank and earns reasonably well.ConclusionThese are not just stories, they are life lessons. Every attempt, every failure, every success, every stage of CA course is a life lesson for CA students. And this is the reason why Chartered Accountants present their failures with a lot more pride. They are a lot more mature than students from other professions, due to their experiences in the CA course. They have already learned the lessons of life while doing the CA course itself!In the end, all the efforts that you take in CA course, all get paid off when you become a Chartered Accountant. The people who had a great social life then, when you were busy preparing your career, the same people will be busy finding and developing some sort of career & earn personal respect, while in contrast, you will be enjoying money, respect & social life - all together.

What is the best thing that you learned today?

I just went through my Facebook page, and I came across something which relates to Edison, we all know few few thing about him.I hint many of them came across this story.Okay,We can conclude two things hereFirstly, every mother in this world is a great inspiration for a child.Secondly, encouragement is a key to open door of many possibilities and opportunities.Now , let us try to list out people who motivates us.Few will list out their parents or few of them life partner.But I'm sure many of them are clueless about people who encourage them.Evidently, I came across many great soul, who are willing to do many great stuff for this world, but trapped inside wrong place and wrong circumstances.They feel like sharing their dreams and wishes, but never confessed only because they are skeptical about people reaction.What my friends will think about me?Will my father start disliking me if I goes against his wish ?Will my mother support me if I confess ?Will I become butt of joke for people ?What my brother and sister will think about me ?Eventually a person start feeling inferior about own caliber .Am I good enough ?And ends up with,Firmly closing box of dreams, hooking it with anchor and dropping it inside ocean of compromise.Once Again I'm highlighting wordCOMPROMISE.This is what happens with every individual in world.Because world undoubtedly require pessimistic soul, who will work hard to feed and survive ,ultimately DIE holding all untold desire and secretsThis not only his or her fault to end up with compromise but every person who make fun of dream.I'm not saying people to support but atleast don't discourage.We are not here to make anyone feel belittle about talent and dreams.A sarcastic laugh gives enough pain to destroy budding wishes.Personally, I came across many,One who wants to be singer but ended up with CA.One who wants to be actor but doing marketing product.One who love traveling ended up with 9 hour shift.One who wants to built nation infrastructure, but can't build his own dream.All we need is -A person who is ready to listen our feelings our emotion, rather laughing sarcastically.Pranaam,Krishen

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