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Dr Aarti

Dr Aarti Bakshi  |40 Answers  |Ask -

Child and Parenting Counsellor - Answered on Feb 04, 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
Gautam Question by Gautam on Feb 04, 2023Hindi
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Hi Dr Aarti. For past past three months we've noticed our 2 year old son has developed a habit of screaming (glass shattering magnitude) in the middle of the night. The bouts last from a few mins to 45 mins and it gets incredibly difficult to pacify him. We have noticed most of the time it is correlated to TV Time alloted to him in the evening so we've stopped that practice altogether but sometimes the screaming can occur despite that. We also thought it was a response to bad dreams triggered by a general feeling of abandonment cause we both work and one parent has to go to work twice a week. He usually does use it as a technique now and then during the day to blackmail us to give into his demands but we've stopped giving in. He is incredibly social, talkative and quick to pick up knowledge however doesn't get the opportunity to interact much with other children (cause our work timings collide with his play time) so we are thinking of enrolling him in a pre nursery school so that he gets that time and space to express himself with other children. We are hoping this would also have a positive impact on his sleep pattern. Do you think the screaming is a normal phase and he'll grow out of it or do you think it's part of a deeper problem and needs to be addressed with a child psychologist in person? Would appreciate any inputs

Ans: Hi Gautam,
Seperation anxiety strikes at night too. Scare of darkness plays havoc with the thinking. When your toddler wakes to find they're all alone, they may react by crying or screaming uncontrollably. I can empathise with your disruptive sleep, this is a phase your child will grow out of with time.
A few suggestions:
1. Monitor (cctv/baby monitors/hidden) too the time that you are not with the child and find out details when child is spending time during the day without parents. Who's incharge of hima and his activities? A clear picture of scares, build up of seperation anxiety could help you with the trigger.
2. Boundaries matter: It is commendable that you have found about the temper tantrum bargains and have held yourself from giving in. Do continue that and behavior boundaries will fit in.
3. Peer support: Enrolling for play school is lovely. He will build friendships and be physically tired to sleep through the night.
Hug him tons, cuddle him, read bedtie stories, create memories of running after him, dancing on music whatever the hours you are together. Do let me know the progress!
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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Pooja

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Life, Relationship Coach - Answered on Jan 16, 2023

Asked by Anonymous - Jan 13, 2023Hindi
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Dear Pooja, my husband and I share a very friendly relationship. When we have disagreements, we often tend to forget that our child is around. In the past few months, we have been arguing a lot and this seems to have taken a hit on our son. He is behaving strangely at school. He has got into trouble with other kids in his class and is often caught scribbling at his desk. He gets angry and throws tantrums in public. When we tried talking to him, he seemed normal but he did mention to the counsellor that even my mom and dad fight when they are angry. Since then we have mellowed down a bit. But how do we address this to our child?
Ans: Hi there! As adults, our arguments in a marriage or relationship are inevitable. But with kids around, we need to be more cognisant of the fact that kids get influenced very quickly. Since their emotional spectrums are being developed when they experience arguments or fights, they begin to believe that is normal , but since they are unable to process the frustration that arises , they tend to take it out in their own behaviour with their peers and in their social settings. The best way to address this with the child is through a counsellor or a therapist. As parents who are arguing or fighting, you are the trigger or their anger and instability and the trust factor or the feeling of you being the safe space for them has been compromised. Have your child consult a professional coach or counsellor who will ensure the child gets a safe space to express and will help re build the bridge between you and your child with their expertise of handling the child's psychology and helping your son process his feelings.
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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 2023

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Hello Anu - we have a 5 year old son and he's getting out of our control these days and we don't know how to handle him. His actions and tantrums are mischievous and hurtful at the same time. Earlier he used to get scared from his mother but she's also losing control over him these days. If we scream or shout, he repeats the same things that kind of irritates us more. If we try to be reasonable with him, it's of no use - he takes us for granted. If we tell him about repercussions on his actions like a timeout or no tv time or no play time, he does not listen and at the end we give him to his crying. He also becomes uncontrollably violent at times - though he thinks it's a game, but in reality his actions literally hurt us. I know partially I am to blame as when he was younger, these violent games looked fun but now that he's older and stronger, they are not fun anymore to me or anyone in our house. I've tried to explain him, but at the end he is just 5 years old! Every morning to night it's a mountaineous challenge for us. My wife and I talk after he sleeps, decide what to do or not do from the next dat but bam! it's just the same routine every single day. Moreover my wife is pregnant with our second child so I fear this might have a bad effect on our 2nd baby as my wife remains stressed out. I know this could be every parent - but then if it happens that often, is there a solution? Can you help us?
Ans: Dear Shubham,
How is it possible for a 5-year old to understand logic when he is throwing an emotional fit (tantrum)?
Like you said it yourself; when it could have been stopped and changed, it wasn't done. He probably felt that it was fine to behave 'violently' (though I don't understand the context in which you use this word).
Now. all of a sudden when you and your wife are trying to stop him, he is pulling away as this behaviour was rewarded earlier. he has your earlier silence as your love and affection for which which he fears will be withdrawn now if he stops his behaviour.
So, logic isn't going to work; it doesn't work with adults, and here the child is merely 5 years.
So undoing what was done is going to take a lot of effort and patience (beyond all the talk that you and yoir wife are doing).
Start by:
- ignoring his tantrums; he will time-out himself in exhaustion
- talking to him at his eye level; get down on your knees, so he doesn't feel intimidated by your height
- hugging him a lot; a caring touch is worth a thousand words
- telling him how excited you both were when he was born; this can ensure that he will be special even after the arrival of the new baby
- distracting him with creative things; story telling and fine motor skill games improve focus and concentration
- cutting down on foods filled with sugar; sugar boost is artificial and can make a child or anyone go a little anxious
- ensuring him that he is loved a lot; saying it aloud while hugging him will soften his behaviour over time

Try these and I hope they work. If not, kindly without delay seek an appointment with a professional who can deal with children at your son's age.

All the best!
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Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.
Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

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Hi, I'm an 18 year old male, recently turned on January of this year, the first thing I did was to open a bank account. I have saved around 1Lakh approx, to be specific 96-97K, from the past two and an half or so year. Currently I have no debt, I don't use credit card, currently no loan. I have a debit card which I use to purchase stuff, my spending is very frugale, except from needs. I have recently opened a demat account and invested around 26-27K in the Indian market, to get a gist of things actually work. I have divided the money into Index/ETF, mid cap and Large cap. Mostly the money is in Index. What should be my next steps to grow, and can you suggest me some demat accounts that are good to use, currently am using INDmoney. I also have plans to study abroad, especially do my bachelor's. I need an amout of around 40-45Lakhs, a safe side of 50Lakhs, if the duration of the study is 3-4years with 2 years extra of work visa what should I do to repay the loan and still have money to progress forward with my career.
Ans: Firstly, congratulations on taking proactive steps towards financial responsibility at such a young age. Your disciplined approach to saving and investing is truly commendable.

As you embark on your journey to grow your wealth and prepare for your studies abroad, it's crucial to strategize wisely. Have you considered the potential benefits of diversifying your investments through actively managed funds rather than relying solely on passive index funds? While index funds offer broad market exposure, active funds are managed by professionals who aim to outperform the market.

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As for planning for your education abroad, have you contemplated exploring investment avenues beyond the stock market? Given the specific timeframe and financial goal, alongside potential currency fluctuations, it's crucial to explore a mix of investment options that align with your risk tolerance and time horizon.

Wishing you the very best as you navigate these financial decisions, and may your journey be filled with learning and growth.
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Ramalingam Kalirajan  |939 Answers  |Ask -

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Sir what are the best thematic mutual funds giving high returns . Can you share a few. I just found icici infra structure fund . Similarly can you suggest any thematic funds giving high returns onky for lumpsum investment for 3to 5 years tome frame
Ans: Naveen,

It's wonderful to see your proactive approach towards exploring thematic mutual funds for potential high returns. Thematic funds can indeed be enticing with their focus on specific sectors like infrastructure, technology, or healthcare. While thematic funds have the potential for high returns, they also come with increased risk due to their concentrated exposure.

Have you considered the risks associated with investing in thematic funds? As these funds are heavily dependent on the performance of a particular sector, fluctuations in that sector could significantly impact your investment. To mitigate risk and ensure a more balanced portfolio, it might be beneficial to diversify your investments across different sectors by considering diversified active equity funds.

Certified Financial Planners often recommend a diversified approach to investing as it helps in spreading the risk and capturing opportunities across various sectors. By opting for diversified funds, you can benefit from the growth potential of multiple sectors while managing the inherent risks associated with thematic funds.

It's essential to align your investment choices with your financial goals and risk tolerance. Before making any investment decisions, I encourage you to consult with a Certified Financial Planner who can provide personalized guidance based on your unique circumstances.

Invest wisely, stay diversified, and may your financial journey be filled with growth and stability.
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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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