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Aruna

Aruna Agarwal  | Answer  |Ask -

Child and Parenting Counsellor - Answered on Jul 11, 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
A Question by A on Jun 23, 2023Hindi
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My daughter 11 years age of average IQ reads in class V. We cannot change her sleeping time --evening from 5pm to 8.-9 pm and from 2 am to late morning and for that she finds hardly 2-3 hour time for study. Remaining time she uses our cell phone and other non creative activities like make up/dressing etc .She cannot mingle with the friends and do not open her mouth in school. How to normalize her life style and discipline?.

Ans: Sometimes it's we as parents need to change our ways to deal with our children. Here ,it looks like the child has low self esteem and which can be worked on being in non judgemental space. Make her comfortable with you so that she can discuss any thing with you. Pairing up with your child without judgements ,gradually followed by what you would like her to do is one option.
Try taking her to new environment and not the regular environment and people to get her do more social engagement.
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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Asked by Anonymous - Aug 30, 2024Hindi
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Hi Kanchan, this query is regarding dealing with our teenage daughter (13 yrs). It is almost difficult to get her to do anything at home. She does not clean her room, take care of her share of chores. She is not dumb, but below average student in class. She used to go to guitar class and once faced stiff competition in her school , she is not participating in music competitions after that . Both me and my wife had been industrious and competitive students. We are ok with her not picking up studies, but what i don't see, is a spark to excel at anything. Her friends have passed French level 1 exams and even though she is learning for last 4 yrs, she doesn't appear for them. Everyday is escalating into huge arguments between her and my wife , with few broken items at home. As I mentioned studies excellence is not a concern, but we are unable to motivate her to put up a fight for the things she wants in life. She would come home from school and watch YT, reels, etc for hrs at stretch. Since we both husband wife are working, it is very difficult to monitor her all the time. We fear that she is already influencing our 9 yr old son , who is a discplined kid otherwise. We feel helpless most of the time, as she is not amending her ways. Please suggest what to do?
Ans: One of the things that might be happening here is that your daughter is at an age where identity and confidence issues often come to the forefront. At 13, she’s navigating a lot—social pressures, changing emotions, and maybe even a fear of not being able to meet the expectations of her parents, peers, or even herself. The fact that she stopped participating in music competitions after facing stiff competition might indicate she’s dealing with fear of failure or rejection. It’s not that she doesn’t care, but more that she may be afraid of not being good enough, and in response, she avoids trying at all.

Instead of pushing her to excel, the first step might be to understand what’s going on emotionally. Teenagers are notorious for shutting down or rebelling when they feel pressure, even if it’s unintentional. Try creating an environment where she feels safe to open up without fear of judgment or comparison to others. Sit down with her and have an open, calm conversation where you genuinely listen to her side. She might not know how to express her frustrations or fears, but giving her the space to talk could help her feel supported instead of criticized.

I understand your concern about her spending hours on YouTube or watching reels. This can be both a form of escapism and a way for her to feel connected to her peers. Rather than banning or limiting screen time strictly, which could create more conflict, try to understand what she’s watching and why she’s so drawn to it. Maybe this can lead to finding a common ground or encouraging her to pursue interests related to what she enjoys online, without the pressure of competition.

It’s also possible she’s feeling the weight of expectations, even if you don’t consciously put them on her. Sometimes just knowing that her parents were high achievers can make her feel like she’s falling short. Helping her feel that it’s okay not to have everything figured out yet might ease some of the pressure.

You’re also right to be concerned about her influence on your younger son. His more disciplined nature may make him vulnerable to picking up some of her habits. But rather than positioning them as opposites, encourage them both to find balance—showing her that discipline and effort don’t have to come with the weight of pressure might help her change her behavior, too.

The arguments with your wife and the escalation at home are clearly a sign that things are reaching a boiling point, but remember that this doesn’t mean she’s unreachable. This is a tough stage, but with patience, empathy, and a bit of flexibility in your approach, it’s possible to guide her without feeling like you’re losing control of the situation.

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Relationships Expert, Mind Coach - Answered on Mar 14, 2025

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What are possibilities of getting maintenance for a working woman (with a kid) from husband . My husband has abandoned us since birth of my daughter 4years. Not taking the child's responsibility. Husband says as I am earning I should take care of financial requirement of the child too. I am doing extra duties/ work just to take care of my daughter's education and future. As I am a healthcare professional my work consists of night duties. These duties are taking toll on my health and also my daughter's . People are saying as I am a working woman I can't claim maintenance from husband. But taking care of young child is more difficult with working. I just can't leave my job , just to show nil income to claim maintenance as no one is there to support me and my daughter. Hiring a nanny , maid etc along with rent comes around 85k per month apart from school expenses. As I live in metropolitan city. Husband earns more than me but transfers money to his mother's account.He has taken me granted financially since marriage.Not able to save anything for the future. Don't have any property on my name .
Ans: Dear Anonymous,
This is a question for a legal expert; so go ahead and seek the guidance of someone who can handle your case. Along with this, you will have to think of a good balance that will allow for you to manage work and home plus your health.

All the best!
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Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Ramalingam

Ramalingam Kalirajan  |8100 Answers  |Ask -

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Asked by Anonymous - Mar 14, 2025Hindi
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Hello sir, I am planning to buy a flat, with some stock sale proceeds and bank loan. Can I claim section 54F, for the entire registration amount for a flat, along with registration fee ? Or bank loan part is not considered
Ans: Eligibility for Section 54F
Section 54F provides capital gains exemption when selling assets like stocks.
You must invest the full net sale proceeds in a residential property.
The new flat must be purchased within two years or constructed within three years.
You should not own more than one residential house at the time of sale.
Treatment of Bank Loan Under Section 54F
Exemption applies only to the portion funded by stock sale proceeds.
The bank loan portion is not considered for exemption.
You need to invest the entire net sale proceeds to claim full exemption.
Registration Charges and Stamp Duty
Registration charges and stamp duty qualify as part of the property cost.
These expenses can be included for exemption under Section 54F.
However, only the part paid from capital gains is eligible.
Ensuring Full Exemption
If you reinvest only part of the net sale proceeds, the exemption is partial.
Any remaining capital gain will be taxed.
To avoid tax, the full capital gain amount must be reinvested.
Tax Implications If Conditions Are Not Met
If you sell the new property within three years, the exemption is reversed.
The capital gain becomes taxable in the year of sale.
Ensure compliance with all conditions to retain tax benefits.
Alternative Planning Strategies
If full reinvestment is not possible, consider capital gains bonds.
These bonds provide an alternative exemption under Section 54EC.
This helps in tax-efficient planning while keeping liquidity options open.
Final Insights
Section 54F helps save tax if proceeds are fully reinvested.
The bank loan portion does not qualify for exemption.
Registration costs can be included but only if paid from capital gains.
Ensure compliance to avoid future tax liabilities.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

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