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My son with special needs needs educational guidance. What should I do?

Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |132 Answers  |Ask -

Physiotherapist - Answered on Aug 06, 2024

Dr Shakeeb Ahmed Khan is a senior consultant physiotherapist with over 12 years of experience specialising in orthopaedic and paediatric physiotherapy.
He has served as a technical consultant for the World Health Organisation, the United Nations, the Tata Institute of Social Sciences and several national and international NGOs.
Besides physiotherapy, he is keenly interested in disability management, early intervention, geriatric care and assisting children with disabilities.
Dr Khan has a bachelor's degree in physiotherapy from the Ravi Nair Physiotherapy College in Wardha, Maharashtra, a master's degree in disability rehabilitation administration from the National Institute for the Mentally Handicapped, Secunderabad, and a PhD in disability management from Bangalore University.... more
Vinod Question by Vinod on Apr 12, 2024Hindi
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My son is 11 years old. He had physical and mental related issues. He is going to a special school. I am not able to admit him to the normal school as he is not able to write properly. I am really worried about his education and future. Kindly advise what I need to do for his education and future.

Ans: I understand your concerns about your son's education and future, and I want to reassure you that enrolling him in a special school is a positive step. Although long term it must be inclusive education. It’s great that he is receiving the tailored support he needs. To further support his development, continue with a multi-disciplinary approach by working with physiotherapists, rehabilitation psychologists, and other specialists who can address both his physical and mental needs. Utilizing all available resources at his special school, including individualized education plans (IEPs) and therapies, will also be beneficial.

Additionally, obtaining a disability certificate can provide access to extra resources and support. Consider exploring National Trust schemes that may offer additional assistance and benefits. Joining a parent support group can also be incredibly valuable, providing you with emotional support and practical advice from others who are in similar situations.

Your dedication and patience are crucial, and every small achievement is a step forward. With continued support and the right resources, he can make significant progress. Don’t hesitate to reach out to his educators and therapists for personalized advice and assistance.

Wishing you and your son all the best.
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Child counselling - psychological and career guidance Background:- My son is soon going to enter his teen age in couple of months. I’m a widow with no assistance from both sides of the family. My sons been in boarding all along however last year I brought him back, took a career backseat Working from home, dedicating all my time todays him. Off late bad company at school is influencing him and has resulted into major issues pertaining to behaviour and disrespect towards teachers, other parents and me. He doesn’t feel guilty or acknowledge the fact that he needs to stop being a bully and be the sane kind caring child he use to be. Tried someone free counselling it back fired. Education grades are dropping and he’s got no inclination towards academics. He’s interested in things that can’t earn him a career option. He was in Igcse board and has to move him to cbse so struggling with school, curriculum, new area new friends and isn’t understanding the impact of his actions. Very concerned for his future cause everything I earn was and is invested in his boarding and schooling and I’ve not saved enough for the future. What to do next? He’s been identified with Attention deficiency when he was 8yrs just before lockdown but we didn’t pursue any treatment. My frustration too comes out on him and gets the worst of me but that’s pushed him even further away from me. He’s interested are physical and not Education inclined my friends suggest remove him from these expensive schools( paying 3.5lac minimum every year) and put him in a local school and just save for my future. I can’t be so selfish. I had put him in best school and selected subjects like French so that if he goes abroad a foreign language can help and he anyways struggles to even pass in Hindi and local languages so selected a school too so that his board exams eventually he will have to write only English and French exams that can help him score. After sacrificing my time health career and money I feel in these 6 months everything is going downhill my anxiety and stress has gone out of control. His friends are being a terrible influence and it’s scary cause I’ve had some major complaints from teachers and other parents. What do I do? I can’t give up I have faith and only hope it’s just a phase I’m still loving caring and trying to talk with him and understand where can we mend things before it’s late and hoping for some guidance
Ans: Dear Anonymous,
It is a difficult phase that you are going through...
It will be worth pulling him out of the school for a while...it's not just to save money but also to focus on his therapy that he surely needs to get into. Also, during his therapy, you will know where his interest lie...Do remember, we are all unique...some of us take up professions that may not give us immediate money but it trickles in later or maybe it comes in the form of satisfaction rather than money.
You are attempting to secure his future and you are right as a single mom to do that because you want your son to be in a stable place which you did not experience. But his path in life is his to follow...any attempt to control it will cause the two of you a lot of emotional upheavals.
Kindly get him assessed again as you did mention Attention Deficiency...that will allow for appropriate corrective measures right away which will channelize his energies in the right direction. Otherwise both you and he will be on a roller coaster ride that never stops and this will lead to more stress and strain. Pause for a moment and put his health as a priority even if it means taking a break from school for a while. The sooner his emotions find a useful path, he will shine in what he is meant to...Take a deep breath...you are doing a great job!

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Then doctor asked her why she stopped and what I said, my wife said that he is asking for female staff and doctor said “I am a doctor and I am not having female staff and there is nothing male and female in doctor’s consultation” my wife got convinced and told me that we are continuing with this doctor and I also shaked my head as consent sign but not aware with the upcoming surprise and then she open her upper body part and doctor did the check up by pressing or whatever doctor does. And I was not ready for this So, I am still in trauma due to this, but I don’t want her to show her body to any male doctor. That picture comes again and again in my eyes. I don’t want to break my relation with wife, because we married 20 years before and we have 2 daughter and I love her too much. But she has disobeyed me and obeyed that doctor. I am in a trauma. What should I do to come out of this trauma. Please let me know.
Ans: To address your trauma, start by having an open and honest conversation with your wife about your feelings. Express your emotions calmly, without blame, so she can understand the depth of your discomfort and help you work through it. It's also crucial to recognize that trust and mutual respect are fundamental in any relationship. Your wife’s decision was likely driven by her need for medical care, not a desire to hurt or disobey you.

Consider seeking professional help for yourself. A therapist or counselor can provide a safe space for you to explore these feelings, work through the trauma, and develop strategies to cope with intrusive thoughts. They can also help you understand the importance of medical privacy and the necessity of certain procedures, which may ease your discomfort over time.

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Asked by Anonymous - Jan 17, 2025Hindi
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I'm 35 years old. I want to invest INR 65000 for retirement at 50 years old. My current expenses 65000 per month. Please guide me.
Ans: Retiring at 50 with your current lifestyle requires a carefully crafted investment strategy. Here’s a detailed guide tailored to your goal.

Step 1: Define Retirement Corpus Requirement
Current Monthly Expenses: Rs. 65,000.
Inflation Adjustment: At 6% inflation, your expenses will increase significantly by 50.
Retirement Corpus: The corpus must sustain you for at least 30+ years post-retirement.
Lifestyle Goals: Include travel, medical emergencies, and aspirational expenses in calculations.
Step 2: Asset Allocation Strategy
A balanced mix of equity and debt instruments can help grow your wealth steadily while minimizing risks.

1. Equity Mutual Funds (70% Allocation)
Why Equity? High growth potential to beat inflation over the long term.
Recommended Categories: Flexi-cap, mid-cap, and large-cap funds.
SIP/Investable Amount: Invest Rs. 45,500 monthly in equity mutual funds.
2. Debt Instruments (30% Allocation)
Why Debt? Stability and regular income during volatile markets.
Recommended Options: PPF, short-term debt mutual funds, or NPS (Tier I).
SIP/Investable Amount: Allocate Rs. 19,500 monthly.
Step 3: Include Inflation Protection
Inflation reduces the value of money significantly over time.
Your retirement corpus should grow faster than the inflation rate.
Equity exposure helps overcome inflation impacts effectively.
Step 4: Ensure Tax Efficiency
1. Equity Mutual Funds
Tax Rules: Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.
Action Plan: Use annual redemption to manage gains below taxable limits.
2. PPF and NPS
Tax Benefits: Both offer tax-saving benefits under Section 80C.
Lock-in Period: Ensure alignment with your retirement timeline.
Step 5: Emergency Fund Creation
Build an emergency fund equivalent to 12 months’ expenses (Rs. 7.8 lakh).
Park it in liquid funds or a high-yield savings account for quick access.
Step 6: Health and Risk Coverage
Health Insurance: Ensure adequate coverage to avoid depleting investments during medical emergencies.
Life Insurance: Use a term plan to secure your dependents until you achieve your retirement goal.
Step 7: Regular Portfolio Reviews
Review your portfolio every six months.
Rebalance based on performance, changing goals, and market conditions.
Seek advice from a Certified Financial Planner for optimized asset allocation.
Step 8: Additional Recommendations
Avoid Real Estate: Illiquid and high transaction costs make it unsuitable for your timeline.
Avoid Direct Investments: Opt for regular plans via mutual fund distributors guided by a CFP.
Diversify Investments: Explore international mutual funds for added growth.
Step 9: Incremental Contributions
Increase your SIP amount annually by 10-15% to align with income growth.
This ensures your corpus grows significantly over time.
Finally
Achieving financial independence by 50 is ambitious but achievable. Consistency in investments, inflation-adjusted growth, and regular reviews are critical. Focus on disciplined execution of the outlined plan for a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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