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

Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |121 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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Mutual Funds, Financial Planning Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 08, 2024Hindi
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Iam under debt of Rs 10lac and my salary is 23k per month. How to come out from debt and i need to get debt free. So, please guide me.
Ans: Being in debt can be overwhelming, especially on a limited monthly income. But with disciplined planning and commitment, you can gradually achieve financial freedom. Here’s a detailed guide to help you pay off your Rs 10 lakh debt and build a stable financial foundation.

Step 1: Calculate Your Monthly Expenses and Set a Budget
Start by understanding your cash flow. Track every expense to get a clear picture of your spending.

Essential Expenses: These include rent, food, utilities, and any other basic needs.

Discretionary Expenses: Cut back on non-essentials like dining out, entertainment, and shopping.

Savings and Debt Repayment: Dedicate any amount left after essential expenses towards debt repayment.

Tip: Keep a written budget or use a mobile app to monitor your expenses. Reducing discretionary spending will help increase the amount available for debt repayment.

Step 2: Increase Income if Possible
Boosting income, even slightly, can significantly accelerate debt repayment. Here are some ideas:

Freelance or Part-Time Work: If possible, look for freelance work in areas you’re skilled in, like writing, tutoring, graphic design, or programming.

Overtime or Extra Shifts: If your employer offers overtime, consider taking it on to increase your income.

Sell Unwanted Items: Sell items you no longer need, such as electronics, clothes, or furniture, to generate additional cash.

Increasing your income, even temporarily, can help you pay off your debt faster.

Step 3: Create a Debt Repayment Plan
List all your debts, including outstanding amounts, interest rates, and due dates. Here are two strategies for paying them off:

Snowball Method: Pay off smaller debts first to gain momentum, then tackle larger ones. This provides psychological motivation by clearing debts faster.

Avalanche Method: Focus on debts with the highest interest rates first. This method saves more on interest in the long term.

Choose the strategy that suits you best and start making extra payments each month.

Step 4: Prioritize High-Interest Loans and EMI Payments
Debt with higher interest can escalate quickly, so prioritize clearing them first. Some common examples include:

Credit Card Debt: If part of your debt is on credit cards, try to pay it down as quickly as possible. Credit card interest rates are often the highest.

Personal Loans: If your Rs 10 lakh debt includes high-interest loans, prioritize these over lower-interest obligations.

Contact your creditors to explore if they can reduce your interest rate temporarily. Any reduction helps ease the debt burden.

Step 5: Consider Debt Consolidation Options
Debt consolidation combines multiple loans into a single, lower-interest loan, making it easier to manage. Options include:

Personal Loans: Look for a lower-interest personal loan to pay off existing debts. This can reduce the overall interest burden.

Balance Transfer: If a major portion of your debt is on a credit card, look for a card offering a low or zero-interest balance transfer option.

Be cautious of fees associated with consolidation options and make sure to do thorough research. Consolidation can simplify payments and potentially save you money on interest.

Step 6: Start a Small Emergency Fund
While repaying debt is crucial, having a small emergency fund (around Rs 5,000–Rs 10,000) can help you avoid additional debt. This fund is for unexpected expenses like medical emergencies or car repairs.

Building a small emergency cushion ensures you don’t rely on credit if unplanned expenses arise. Once your debt is cleared, you can gradually build a larger emergency fund.

Step 7: Avoid Taking on New Debt
Avoid credit cards, loans, or any new debt until you’ve repaid the current amount. New debt will delay your goal of becoming debt-free.

Instead of borrowing, prioritize saving for any purchases. Practicing patience with spending decisions will help prevent additional debt.

Step 8: Automate and Regularize Payments
Set up automated payments for your debt EMIs and monthly bills. Automation helps prevent missed payments, which can incur penalties and hurt your credit score.

If automated payments aren’t possible, set reminders to ensure timely payments.

Step 9: Track Progress and Stay Motivated
Track your progress each month and celebrate small wins, such as reaching specific milestones in debt reduction.

Seeing your debt balance decrease, even gradually, can keep you motivated.

Step 10: Seek Professional Guidance If Needed
If you feel overwhelmed, consider seeking guidance from a Certified Financial Planner (CFP). They can help you devise a structured plan tailored to your specific financial situation.

A CFP can also provide personalized advice on managing and reducing debt efficiently.

Finally
Your determination to achieve a debt-free life is commendable. By following these steps and staying disciplined, you’ll gradually pay off your debt and move toward financial freedom. Remember, small steps today will lead to a financially secure tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

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Dear sir/Ma'am, I want to invest long term mutual fund for my daughter marriage. She is now 15 years old and i want to invest for 10 years, please advised me which mutual fund best for me. My monthly investment amount is Rs. 5000.00/- please reply soon as soon possible.
Ans: Investing for your daughter's marriage is a thoughtful goal. With 10 years to grow your investment, mutual funds offer a practical approach to help achieve this objective. A disciplined investment of Rs 5000 per month can build a substantial corpus over time. Here’s a comprehensive guide to structuring this investment for long-term success.

Choosing the Right Type of Mutual Funds
For a 10-year horizon, equity mutual funds are suitable. They have the potential for higher returns over time. Considering a diversified mix of equity categories could balance growth with stability.

Equity-Oriented Funds: With their higher growth potential, equity funds can be ideal for long-term goals like marriage. Large-cap funds or diversified equity funds with a mix of large- and mid-cap investments can provide relative stability.

Balanced or Hybrid Funds: These funds allocate a portion to both equity and debt. This approach reduces risk while still capturing growth. Hybrid funds could be a good option to add stability.

Avoid Index Funds: While index funds are popular, they lack flexibility in managing market changes. Actively managed funds, however, allow fund managers to navigate market fluctuations, potentially offering higher returns.

Benefits of Regular Funds vs. Direct Funds
When considering direct funds, you miss out on expert guidance, which is vital for long-term investments. Regular funds through a Certified Financial Planner (CFP) ensure you get continuous support, fund reviews, and performance tracking. They help rebalance your portfolio when required, maximizing your returns and managing risks effectively.

SIP (Systematic Investment Plan) for Steady Growth
Setting up a monthly SIP of Rs 5000 is a practical approach. SIPs allow you to invest consistently, regardless of market highs and lows, which averages out costs over time. This approach, known as “rupee cost averaging,” helps reduce the impact of volatility.

Tax Implications on Mutual Fund Investments
Understanding tax rules on mutual funds is important.

Equity Mutual Funds: Gains above Rs 1.25 lakh attract a 12.5% tax on Long-Term Capital Gains (LTCG). Short-Term Capital Gains (STCG) are taxed at 20%.

Debt Mutual Funds: Both STCG and LTCG are taxed based on your income tax slab.

These tax rates are subject to change, so it’s crucial to monitor tax policies periodically. You may consult a tax advisor for updates and efficient tax planning.

Key Investment Tips to Reach Your Goal
Consistency: Stay disciplined with your SIPs to leverage compounding. Missing contributions can reduce the growth potential.

Regular Monitoring: Review fund performance at least once a year. This ensures the selected funds are meeting your expectations and objectives.

Professional Guidance: Consult a CFP periodically to align your investments with your financial plan. They can advise on any required adjustments to optimize your portfolio.

Adjusting for Inflation and Goal Cost
Over time, inflation will impact the cost of your daughter’s marriage. Your CFP can help you estimate the future value and adjust your SIP amount if needed. Gradually increasing the SIP amount can help you meet the target despite inflation.

Final Insights
Your commitment to this goal is commendable. By selecting the right mix of funds, maintaining discipline with SIPs, and staying informed on tax and fund performance, you’ll be well on your way to achieving the desired corpus for your daughter’s marriage.

Invest with confidence, plan regularly, and stay on track toward building a secure financial future for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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