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Aruna

Aruna Agarwal  |78 Answers  |Ask -

Child and Parenting Counsellor - Answered on Jul 15, 2023

Aruna Agarwal is a qualified child psychologist and behaviour therapist with over 20 years of experience.
She has a master’s degree in psychology with a specialisation in behaviour analysis. She focuses on children between the ages of 2-10 years who face challenges related to behaviour, language development or attention issues and providing them with the right life skills.
Agarwal is the owner of Kidzee, a pre-primary school, and Mount Litera Zee School that caters to primary students.... more
Mohammed Question by Mohammed on Jul 14, 2023Hindi
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Hi Aruna, My Elder daughter is 15 years old and is behaving very weird. She is fully dependent on us on for her daily routines but there is zero respect towards us. She is not close to anyone in the house. She is never satisfied with what se has and always compares her with other rich kids. We lost all the happiness because of her behaviour. Please advise us how to get her sorted.

Ans: Talk to her with a non judgemental space.
Ask her about how she feels like when with her peers .Start with gratitude journal as a routine in the house for every one,by modelling it your self. Do not do direct talk but can be a indirect way of putting it to her. Give her social praise if she attempts this. The praise can act as a reinforcing thing to get her do better.
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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I need your expert advice in parenting my daughter. I am a 45 year old mother having two children, a daughter (aged 10 years) and a son (aged 7 years). My husband is very bad at finance issues and because of that we had some issues with my marriage. So I shifted to my mother's place with my kids and we were not in touch with my husband for quite some time. It’s been six years I have been bringing up my kids with very less support/ no support either from my husband or my mother. Since my husband is not staying with us, my kids have been missing their father. Of late, my husband visits us often and he spends time with the kids whenever possible. Though she is 10 years old, my daughter is not having that level of maturity. She is very illogical and dull. I have been training her in certain household work like sweeping the house, washing her clothes and all. She is doing all the work with no concentration/involvement/interest and so the output is pathetic. She is like that in her studies also. I have been explaining things in a very detailed way even then she is doing things like that. During my childhood no one was there to explain me but for my daughter I am there but she is not understanding the value of it. I am getting frustrated and irritated because of her. My question is since she was missing her father couple of years in the recent past, her behaviour is like this. Is there anything that I can do for her improvement? Shortly she might be starting her puberty cycle and before that I would like to make her logical and smart. I have been consistently trying for this by chatting with her alone but could not see any betterment. Kindly help me out.
Ans: Dear JR, when you say: She is very illogical and dull, what does this mean?

Does she take time to understand things? Or is it that she is being evaluated based on what others her age are doing?

At age 10, do you want a happy child or a child who excels in washing clothes and doing all your housework.

Sharing responsibilities at home is perfectly fine, but to judge your child based on that by saying: ‘output is pathetic’ only demoralizes the child further.

She possibly has missed her father all these years and what you need to do is fill it with more love, care and what is the point in driving the point that you didn’t have anyone and she has you and she has to understand the value of this.

She is 10, please allow her to be her age and feel free with each of you.

Create an environment that is loving and caring and supporting from both parents will enable her to relax, be cheerful, grow and be active. And this environment is not for any sort of evaluation or to see a favourable behaviour from her in return.

In a few years from now, she will be hitting puberty.

Let her walk into that phase with confidence and pride rather than self-doubt and shame. I am sure that as a mother you know how important that time is for a young girl.

Start thinking of how to be back together as a family as it isn’t easy for you as well to be away from your husband.

This could also be adding to your stress and maybe it comes out in different ways.

Be with your daughter, love her and encourage her and even after that, you see that there is a challenge, then maybe it’s time to visit a professional who can step in and help.

Happy parenting and be well and stress-free!

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Kanchan

Kanchan Rai  |402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 29, 2024

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Hi, I have a divorcee daughter aged 45 whose unpleasant and quarrelsome behavior is a constant source of misery and headache for whole of the family. Her marriage could not go beyond 2 months as her in-laws turned out to be greedy, troublesome and also found involved in some fraudulent activities with a few police cases against them -- which forced us to seek divorce. I may add that my daughter ever since she was 13 or 14 yrs became a little self-willed and considered her to be always right in action and thought in front of parents or any one else. This has become very serious now. She is not at all open to any kind of reasoning or discussion. If you always act, think or do as per her wish, it is ok otherwise she will start fighting on any thing or every thing. Her attitude of selfishness and always finding faults with other family members including parents is spoiling the peaceful atmosphere of the house. Expecting any kind of adjustment from her is asking for the moon. Kindly advise.
Ans: Dear SN,

I can understand how challenging it must be to deal with your daughter's behavior. It's concerning that she's been displaying this attitude since she was young and that it's causing such turmoil within your family.

Consider seeking the help of a family therapist or counselor who specializes in dealing with family conflicts. A professional can provide an objective perspective and offer strategies for improving communication and resolving conflicts.It's important to establish clear boundaries with your daughter regarding her behavior. Let her know what behaviors are unacceptable and what consequences will follow if those boundaries are crossed.
Encourage Open Communication: Even though your daughter may be resistant to discussion, continue to encourage open communication within the family. Let her know that you're willing to listen to her perspective and work together to find solutions. Instead of solely focusing on her negative behavior, try to reinforce positive behaviors when you see them. Praise her when she acts respectfully or cooperatively, and try to reinforce those behaviors. Show your daughter how to communicate effectively and resolve conflicts peacefully by modeling those behaviors yourself. Avoid getting drawn into arguments or confrontations, and instead, try to remain calm and rational.If your daughter is open to it, encourage her to seek therapy on her own. A therapist can help her explore the underlying reasons for her behavior and develop healthier coping mechanisms.
Encourage Self-Reflection: Encourage your daughter to reflect on her behavior and its impact on herself and others. Help her recognize the importance of empathy and understanding in maintaining healthy relationships.
It may take time and patience, but with consistent effort and support, there is hope for improvement. Remember to take care of yourselves and seek support from other family members or friends if needed.

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Prof Suvasish

Prof Suvasish Mukhopadhyay  |115 Answers  |Ask -

Career Counsellor - Answered on Nov 15, 2024

Asked by Anonymous - Nov 14, 2024Hindi
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Dear sir, I have been working in pharma segment n I have a terrible experience to share almost 5–6 companies have not settle my genuine dues of salaries and expenses. Some are almost 5–8 yrs old n the latest one is almost 75 days old. Some have some special statements written on there appointment letters, which gives them freedom , and others seem to have no concerns at all. I cannot take legal action against them as a don't have so much money. In the latest episode, my company says that they cannot give me my full n final till the time stockist does not pays his dues to the company. In this regards, I want to inform you that 1 I have no dues on the stockist 2 I have returned all my property 3 companies settlement time is of 45 days 4 after fighting so long I have received one part as salary but expenses are still held they say that they will only settle my dues when the stockist pays his pending payments. 1 I have no dues certificate from all stockists 2 And my views on this is 1 I'm not in organization now, how am I responsibile for the old payments of my time, because it's responsibility of the current staff to follow up for his secondary n payments 2 party's due on company is around rs 46000 but stockist already has non sellable goods of rs 70000 in his shelf . 3 the current staff do not meet the stockist, help in liquidation of stocks or clearing payments. Kindly help me with your detailed view in how to get my ffs from this organization as I have 1 written several times on main with no proper response. 2 I have called many times to hr n concerned managers but they repeat same thing, ie payments of one stockist Kindly help me with solution to get my ffs from this n old pharma companies. Thanks Jasvinder singh
Ans: You need legal support. Please contact senior advocate Mr. Tanoj Joshi with my reference. Search about him in LINKEDIN.
He is a very good person and he won't charge you much if you give my reference. Please give me the update. Best of luck. MAY GOD BLESS YOU. Professor...........................:)

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Ramalingam

Ramalingam Kalirajan  |7028 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 15, 2024

Asked by Anonymous - Nov 15, 2024Hindi
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Sir, Im 54 yrs, present monthly take home pay in hand of Rs.2.5Lacs after all I.Tax etc. deductions. Car EMI till Dec 2026 to be paid will be Rs.5000 per month. Have Health Insurance cover for 25 lacs, Term Insurance for Rs.2Crores but no Life Insurance cover. Monthly SIP is Rs.1Lac. Had made a lump-sum investment of Rs.55Lacs in Mutual Fund which is now valued around Rs.75Lacs. I'm not able to save anything beyond this due to family responsibilities and have to start repaying my son's education loan of Rs.20Lacs which would commence after 2.5 years (as he is studying now). Can you please let me know how much of corpus I might have at the time of my retirement if I continue to work till the age of 58years? Regards
Ans: Based on the information you’ve shared, let us assess your situation and provide insights into your potential retirement corpus.

Current Financial Position
Take-home salary: Rs. 2.5 Lacs per month
Car EMI: Rs. 5,000 per month (ending Dec 2026)
Health insurance: Rs. 25 Lacs
Term insurance: Rs. 2 Crores
Monthly SIP: Rs. 1 Lac
Lump-sum investment in mutual funds: Rs. 75 Lacs (current value)
Education loan repayment: Rs. 20 Lacs starting after 2.5 years
Retirement age: 58 years (4 years from now)
Assumptions for Projection
Your SIP of Rs. 1 Lac per month continues until retirement.
Your lump-sum mutual fund investment grows at an assumed annual rate of 10%.
Monthly SIP investments grow at an assumed annual rate of 10%.
Education loan repayment starts in 2.5 years. Let’s consider this doesn’t disrupt your SIPs.
Estimated Retirement Corpus
1. Growth of Existing Lump-Sum Investment
Current value: Rs. 75 Lacs
Growth for 4 years at 10%: Approximately Rs. 1.1 Crores
2. Future Value of Monthly SIPs
SIP: Rs. 1 Lac per month
Duration: 48 months (4 years)
Growth at 10%: Approximately Rs. 63 Lacs
Total Corpus at Retirement
Lump-sum mutual fund value: Rs. 1.1 Crores
SIP investments: Rs. 63 Lacs
Total corpus: Rs. 1.73 Crores
Recommendations
Education Loan Repayment: The repayment may require adjustments in your budget. Consider partial withdrawals or rebalancing investments if necessary to avoid disrupting your SIPs.
Increasing Savings: Once your car loan ends in 2026, channel the Rs. 5,000 EMI into SIPs to further enhance your corpus.
Financial Review: Regularly review your investments and retirement goals with a Certified Financial Planner to ensure alignment with market conditions.
Final Insights
If your investments grow at an average rate of 10%, you may have a retirement corpus of approximately Rs. 1.73 Crores by age 58. Focus on maintaining your SIP contributions and ensuring liquidity to manage upcoming education loan repayments effectively.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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