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Aruna

Aruna Agarwal  |78 Answers  |Ask -

Child and Parenting Counsellor - Answered on Jul 20, 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
Anand Question by Anand on Jul 20, 2023Hindi
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Childern ( one in 12 th class and other in 9th class, elder is boy and younger is girl) quarrel too much. Any remedy to deal with their behaviour.

Ans: Sibling Rivalry is not uncommon.
Lots of emotion they go through when they are together. Kindly check if you are not comparing too much. Some time dealing with the situation needs mindful parenting only.Appreciate your both children whatever they are good at.Understand what emotions they are going through as both children are teenagers so they may have their own issues many times.Talk to them when they are calm and can give them ways to deal with it.
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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Archana

Archana Deshpande  |75 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Nov 18, 2024

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hi mam ...i am a mother of two sons one in tenth grade and other in sixth grade.i used to be with my elder one for studies and younger one studies on his own but i will make sure he is learning and help him when he needs. Recently i arranged tuition for elder one and also i am sitting with him but i could not see any improvement on him.I live in a joint family with 91 yrs old fil and 80yrs mil.Since child hood i set routine works ,make him sure that he completes his work.Chasing him for everything make me me unhappy as he needs to learn to prioritize his thing ,his work, etc. Dily conflict is coming with him and we are always in conflict mode. Consulted few psychologist and astrology but all in vain.dont know how to make him to learn his tenth grade where life route takes place.
Ans: Dear Revathi,

You are doing so much my dear...take a break from everything for an hour everyday and focus on your well being and peace of mind. 20-20-20 rule for you, meditate for 20 mins, physical activity for 20 mins and connecting with nature for 20 mins( these are your mini breaks).
If you can add 10 mins of an activity which makes your heart joyful then 'sone pe suhaga'!! Self-care comes first, a happy and joyful mother, wife , daughter-in-law is great to have around the house. You are doing so much don't you think you deserve 1 hr for yourself? Without thinking too much , just go ahead and schedule self-care in your time table.

Now let's solve your son's issue...since childhood you have taught him how to do things, he is grown up enough to do things on his own. Until and unless you allow him to do things on his own, how will he learn to do?
DO NOT CHASE...DO NOT CRITICIZE....DO NOT NAG, tell him what to do once and wait for him to do. If he does it fantastic, else let him face the consequences. Every action has to have consequences.. for eg, not studying will lead to less marks, it's his failure, not yours, let him take ownership of his actions, you are preparing him for life, let him falter now and learn to get up. Be there for him when he falls, your job as a mom is to ensure he is healthy...emotionally and physically. (Keep the atmosphere at home happy because you have another son too, he is younger and needs your attention too)
It is his 10th Std, not yours. Keep telling the importance of studies and scoring well and the need to study consistently( again no nagging). He is grown up now, take him to a place without distractions and have heart to heart conversations as a mom and son. Conflicts are neither good for him nor to you/the entire home.
Trust me, parenting is not an easy job, you have to raise yourself, before you raise a child. It is not an easy world for your son too.....raging hormones, conflicting world, conflicting views....the world at the click of a button, you be his rock solid supporter and cheer leader, be there for your sons, create a loving and caring home, where they feel secure and happy. A mother knows best, trust your instinct( the mother's instinct), believe in yourself and your children!!

Wishing the very best to all of you.. and happy parenting!!

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Radheshyam

Radheshyam Zanwar  |1054 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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Pradeep

Pradeep Pramanik  |186 Answers  |Ask -

Career And Placement Consultant - Answered on Nov 21, 2024

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I am looking for a job, I had uploaded my resume in job site. A consultant called me & introduced himself telling he know some of the openings. He had a detailed discussion about my job & my skills. He told need to register to his consultancy for scheduling interview. I registered with him & he got me a interview. Interview was done by the company through skype. I could not see the company persons. They told only they can see me. Interview went on well & regarding salary I told my expectation but they told it is not possible & they told their proposal. Finally I agreed to them. They gave me code & told to visit the company for next round. Consultant called me after first round & told recruiter is very happy with the interview. Regarding salary he told why I agreed for the proposal,he will discuss again & asked to pay charges for some of his services which he will refund the day I visit to the company & take the orders. I paid him. He told there is a increase in salary he has discussed with recruiter & again asked for the money I did only partial payment & further will not pay anything. Second round also happened through skype instead of in person. Interview went on well & salary offered was good comparing to before & there was a big jump. Recruiter told they have planned to give additional responsibilities so they have increased. Finally they gave me a date to visit company. I asked when will I get the order, he replied he will send to consultant as I was taken by them. Till now i did not get the orders, consultant is keep on postponing. Now he told visit to company date is also postponed, he will update in next week & not to worry as job is confirmed. Now not understanding what to do, am I been cheated or wait.
Ans: Dear Mr. Keshava ,

There are many unscruplous job agents who are fake and claim themselves to be a Placement consultant. In short You have been cheated . Before paying any fee for registration , you must ensure that the agency is genuine . If not don't even upload your resume . You may write to company , lodge a complaint against the agency. If the amount is very high , pl. take the help of police . .

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

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I hv started sip in 2008 and still continued , now the monthly sip is 55k and total value is 1.85cr. Need to accumulate 7cr with in next 4 yrs pls guide how can i achieve. - Deepak J. Hajari
Ans: Deepak, your long-term SIP discipline is impressive. Accumulating Rs. 7 crore in 4 years is ambitious. Achieving this goal requires a strategic approach, as time is limited. Let's create an actionable plan for your success.

Current Financial Snapshot
Ongoing SIPs: Rs. 55,000 monthly.
Current Portfolio Value: Rs. 1.85 crore.
Target Corpus: Rs. 7 crore within 4 years.
Your consistent investing habits have built a solid foundation. However, to achieve your target, adjustments are needed.

Key Challenges
Short Time Frame: Four years is a limited period for aggressive wealth accumulation.
Significant Gap: A gap of Rs. 5.15 crore remains to meet the Rs. 7 crore goal.
Market Volatility: Equity investments might face short-term volatility.
Recommendations to Bridge the Gap
1. Increase Your SIP Contributions
Raise your SIP amount to Rs. 1.25 lakh per month.
This increase ensures faster wealth creation through compounding.
Prioritise high-growth funds in equity-oriented categories.
2. Invest Lump Sum Amounts
Consider deploying a lump sum if you have idle savings or low-yield investments.
Invest in aggressive equity mutual funds for higher potential returns.
Break down the lump sum into tranches for better market timing.
3. Diversify into High-Growth Mutual Funds
Focus on small-cap and mid-cap mutual funds for higher growth potential.
Maintain a balance with some large-cap exposure for stability.
Ensure the portfolio aligns with your high-return requirements.
4. Avoid Overexposure to Debt or Low-Yield Instruments
Limit debt investments during this aggressive growth phase.
Avoid instruments like FDs or debt mutual funds with lower returns.
Rely on equity for the next four years to maximise growth.
5. Rebalance Your Portfolio Regularly
Conduct a portfolio review every 6 months.
Reallocate funds based on underperforming or outperforming sectors.
Keep your portfolio aligned with market trends and your goals.
6. Capitalize on Bonus or Windfall Gains
Direct any bonuses, salary hikes, or windfall gains towards your target.
Avoid unnecessary expenses during this focused phase.
Tax Efficiency Matters
Equity Mutual Funds Taxation: Gains above Rs. 1.25 lakh are taxed at 12.5%.
Debt Mutual Funds Taxation: Taxed as per your income slab.
Plan redemptions strategically to minimise tax liabilities.
Leverage Market Opportunities
Benefit from Market Corrections: Use corrections as opportunities to invest lump sums.
Stay Invested for Compounding: Avoid early redemptions to let compounding work fully.
Role of Regular Monitoring
Track Performance: Ensure funds are performing as per expectations.
Switch Funds if Needed: Shift from underperforming funds to high-growth options.
Final Insights
Deepak, achieving Rs. 7 crore in 4 years requires aggressive yet calculated strategies. Increase your SIPs, deploy lump sums, and focus on high-growth funds. Regular monitoring and disciplined investing are key to your success. Stay patient and consistent.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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