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Dr Aarti

Dr Aarti Bakshi  | Answer  |Ask -

Child and Parenting Counsellor - Answered on Jan 31, 2023

Dr Aarti Bakshi is a psychologist licensed by the Rehabilitation Council of India.
A school counsellor, she has worked for 15 years with young adults.
She has two PhD degrees -- developmental psychology from Global Institute of Healthcare Management and clinical psychology from Singhania University.
She is on the CBSE panel for counsellors and special educators. She collaborates with SAAR Education to help children develop life skills.
She has authored SEL (social emotional learning) journals for Grades 1-8.... more
Asked by Anonymous - Jan 30, 2023Hindi
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Dr Aarti Bakshi, Is it normal to have imaginary friends when you're a teen? Should I go to a school counsellor, not just for imaginary friends but for depression?

Ans: Dear Teenager, feeling all emotions is being human. Depression is clinically diagnosed. I suggest that having conversations with a school counsellor would help, as the professional would keep it confidential, give you strategies and see your progress. Imaginery friends are rarer as a teen but it is normal. Sometimes you may vent your feelings or do imaginary things. Yet having a social connect with real friends does support your emotions and general happiness. Do consider making stronger friendships.
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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Hello ma'am, I am a 17 year old girl feeling vulnerable and angry at times to the point that i end up breaking things and this affects my relationship with my parents. I feel very lonely most of the time....especially when i see other people chilling with their friends. Please help.
Ans: it's completely understandable to feel overwhelmed and lonely, especially when you see others enjoying social connections. Here are some suggestions that may help you manage your feelings of anger, loneliness, and vulnerability:Find healthy ways to express your emotions. Instead of breaking things, try journaling, drawing, or talking to someone you trust about how you're feeling. Be kind to yourself and recognize that it's okay to feel the way you do. Treat yourself with the same compassion you would offer to a friend in a similar situation.Reach out to someone you trust, whether it's a friend, family member, teacher, or school counselor. Talking to someone about how you're feeling can help alleviate feelings of loneliness and provide support. Engage in activities that bring you joy and fulfillment, whether it's pursuing a hobby, volunteering, or joining a club or group where you can meet like-minded individuals. Consider seeking therapy or counseling to help you learn coping skills and strategies for managing your emotions in healthier ways. A therapist can also provide a supportive and non-judgmental space for you to explore your feelings and experiences. Mindfulness techniques, such as deep breathing exercises and meditation, can help you stay grounded and present in the moment, reducing feelings of anger and vulnerability. If certain situations or relationships are contributing to your feelings of anger and loneliness, it's important to set boundaries to protect your well-being. This might involve limiting contact with certain people or seeking support to address challenging family dynamics.Take care of your physical and emotional needs by prioritizing self-care activities such as getting enough sleep, eating healthily, and engaging in regular exercise.Practice identifying and challenging negative thought patterns that contribute to your feelings of loneliness and anger. Replace them with more balanced and compassionate thoughts. Healing and personal growth take time, so be patient with yourself as you navigate through this difficult period. Celebrate your progress, no matter how small, and remember that you're not alone in your struggles.
It's okay to ask for help, and reaching out for support is a courageous step toward healing and well-being. You deserve to feel supported and connected, and there are people and resources available to help you through this challenging time.

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Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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I am seeking guidance on my current financial situation. I am 50 years old, with a net take-home income of 1.42 lacs per month, while my wife earns approximately 75k monthly. We have two daughters pursuing higher education, with annual fees totalling 6.10 lacs. In the wake of the COVID-19 pandemic, I faced a significant setback when I was unable to pay my home loan EMI, leading me to opt for a moratorium. Despite having already paid approximately 43.85 lakhs towards my home loan of 58.50 lakhs taken in 2017, the principal outstanding has astonishingly increased to 59.45 lakhs. I now find myself committed to an EMI of 65,000 monthly, further straining our financial resources. To cover both my daughters first-year college fees, I took out a gold loan of 5.5 lakhs, for which I currently pay 50,000 a month. I had invested in a family health insurance policy with Star Health, covering 10 lakhs, but due to poor service I stopped paying my premium, which had an accrued value of 17.50 lakhs. I hold a provident fund account with a balance of 2.5 lakhs. I am concerned about planning for my elder daughter's wedding in the next 2 to 3 years and my retirement. I would appreciate any advice or strategies you could provide to help me navigate this situation effectively.
Ans: Hello;

Try and understand from the home loan lender as to how 59.45 L principal is overdue despite paying a sum of 43.85 L, despite factoring 80% of this as interest payment, the overdue principal should be below 50 L.

Double check if this is as per the terms of moratorium.

If you are not satisfied with replies from the lender escalate the matter to the highest authority at lender or RBI.

Lender can't behave irrationally just because you availed moratorium during COVID.

In my view you should have just sold the gold rather then taking loan against it.

That way you could have lessened EMI burden on your finances and ensured investments for retirement and other goals.

Unfortunately we have a tradition of attaching emotional value to precious metals and real estate.

The best "jewellery" you can offer to your kids is good education, which you have already done.

In matters of health insurance never discontinue a policy due to dissatisfaction with the insurer, port it to another insurer, 1.5/2 months before the renewal date so that your benefits remain intact. Now you may be need to find another health care insurance.

You may begin a monthly sip of 25-30 K in diversified large cap oriented mutual fund for 5 years.

Also give a thought to NPS, you can contribute till 70 age, for retirement pension.

Best wishes;

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Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Asked by Anonymous - Nov 15, 2024Hindi
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I am 42 years old male currently working as a software engineer in a private company and drawing 1.1 lakhs per month. I have 2 school going kids. My monthly expenses are around 80K per month including rent. I don't have any personal property in my name. I have invested 50L in postal term deposit(yearly payout), 20L in Shriram transport finance FD(monthly payout), 11 lakh in HDFC balanced fund dividend(monthly payout), 6L in bank FD(monthly payout) all in my wife's name. I have invested 28L in my HUF account against Shriram Transport Finance FD (monthly payout). I have around 20L in EPF and Gratuity. I have around 8 lakhs in miscellaneous Mutual funds with a monthly sip of around 36K. Most of my investments pay me monthly return except this SIP. I have done so as software job is very fragile which can go any time. However I have maxed out on the return I can take per year on my wife's head (7L) and HUF(2.5L) without tax liability. Please advise how I can invest further to get returns so that I can quickly withstand any job loss.
Ans: Hello;

You have already made sufficient provisions to survive a job loss because your passive monthly income is now almost covering your monthly expenses.

But if you need added back-up you may keep expenses worth 6 months(@ 5 L) in a liquid type mutual fund.

Focus on 3 goals;
1. Children's education
2. Retirement
3. House

If you again keep investing in fixed income bearing instruments then you may not be able to grow a corpus to fund these goals.

A mutual fund sip(36 K) is a step in the right direction. I believe these are scheme with Growth option.

Hope you have EPF/NPS/PPF investments as well.

Happy Investing;

...Read more

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Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

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