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Aruna

Aruna Agarwal  |57 Answers  |Ask -

Child and Parenting Counsellor - Answered on Mar 27, 2024

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
Asked by Anonymous - Mar 19, 2024Hindi
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Health

Hello ma'am, we are parents of 4 years old baby girl. We as parents are having difficult time since a year about handling our daughter's anger issues. As she's growing up her temper tantrums are becoming strong and she is slowly becoming stubborn,not listening to us. Is it normal for her age group or we should involve some tricks for her behaviour. Can suggest and advise on this issue. Thank you

Ans: We need to understand her function of the behaviour tantrums. How is her speech? You can give her some calming sensory Activities to regulate. We need to have a proper analysis to understand the deep rooted causes.
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 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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Financial Planner - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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I have submitted my Form 15 to my bank in April 2023. My income falls under the non-taxable category against interest received from bank FDs. Bank has not deducted any TDS up to September 2023 but from October 2023 they have started deducting TDS on FD interest earned by me saying that interest earned on my FDs have crossed the limit of Rs 5 lakh. Is the bank right in deducting tax citing this reason? Please enlighten me.
Ans: No, the bank is likely not right in this case. Here's why:

• Form 15G validity: A valid Form 15G submitted before April 1, 2023 is applicable for the entire financial year 2023-24 (assessment year 2024-25). This means if your income falls under the non-taxable category, the bank shouldn't deduct TDS on your FD interest for the entire year.
• TDS exemption limit: The current exemption limit for TDS on FD interest is Rs 40,000 for individuals below 60 years old, and Rs 50,000 for senior citizens (above 60 years old). There's no limit of Rs 5 lakh for TDS deduction on FD interest.

Here's what you can do:

• Reach out to your bank: Inform them that you submitted a valid Form 15G and your income falls under the non-taxable category. You can clarify the exemption limit and point out the mistake.
• Request rectification: Ask the bank to rectify the error and reverse the TDS deducted on your FD interest from October 2023 onwards.
• Seek professional help: If the bank doesn't resolve the issue, consider seeking help from a tax consultant or financial advisor. They can guide you further on how to claim a refund for the deducted TDS.

Additional points to consider:

• Ensure you have a copy of the Form 15G submission acknowledgement for your records.
• Keep a record of any communication with the bank regarding the TDS deduction.

By following these steps, you should be able to resolve the issue with the bank and avoid unnecessary TDS deduction on your FD interest.

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Ramalingam Kalirajan  |1298 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Hi, my age is 29. Married. My daughter is 8 months old. My monthly salary is Rs. 1.33L PM. Monthly expense - Rs. 35,000 Current commitments are: Home Loan EMI - Rs. 43,535 (8 months completed. 30 years tenure) Term Insurance - 1cr (Annual premium - Rs. 36,000 for 10 years. 7 more premium pending) Current NPS Balance - Rs. 75,000. Investing Rs. 15,000 pm SSY - Rs. 12,500 pm. APY - Rs. 409 pm I'm planning to save for Emergency Corpus Fund, get a medical insurance floater policy. My short term goal is to save Rs. 20 lakhs within 4 years for registeration and interior work for house. My long term goals are for daughters UG education, wedding, retirement at 55 years. I took investment risk test and Im an aggressive investor and planning to invest more on equity. Also, I want to diversify the portfolio and invest across asset class.
Ans: It's great to see your proactive approach to financial planning! With your solid income and clear goals, here's a suggested plan:

Emergency Corpus Fund: Aim for 6-12 months' worth of living expenses in a high-yield savings account for emergencies.
Medical Insurance Floater Policy: Ensure adequate coverage for your family's healthcare needs, including your daughter.
Short-Term Goal - House Expenses: Consider a mix of equity and debt mutual funds for potential growth while safeguarding against market volatility.
Long-Term Goals - Daughter's Education, Wedding, Retirement: Continue investing in equity through mutual funds or stocks for higher returns over the long term. Also, explore options like PPF, NPS, and diversified funds for diversification across asset classes.
Review and Adjust: Regularly review your portfolio's performance and make adjustments as needed to stay on track with your goals.
Remember, financial planning is dynamic. Consulting a Certified Financial Planner can provide personalized guidance tailored to your unique circumstances and aspirations. With discipline and strategic investing, you'll be well-positioned to achieve your financial dreams.

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Mayank

Mayank Chandel  |437 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 24, 2024Hindi
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I completed bams a year ago. I passed 12th in 2014 and prepared for neet 2 times but couldn?t get seat because i was not serious about my career at that time. I had no clearity. I was so confused that I couldn?t focus. Even my parents and relatives were scolding me and not helping me . So I wasn?t thinking roperly focused. Then i gave bams entrance for the first time and got seat. I feel like if they wouldn have helped me or asked me what do i feel then i must not have been in the same place as am today. I feel i have ruined my life. Am currently working in delhi as a physician in a very renowned ayurvedic institute. But i feel like I don?t have passion for ayurveda. Am 26 years old. Everytime i feel like failure as I couldn?t get mbbs. Still my teenage to final year of my college i used to be so confused about my career. As now at 27 am having clearity that i want to be a cardiac surgeon, i feel like it?s too late to restart again. I feel depressed, failed and guilty. I don?t know if its a good decision to appear for neet again or not. I feel like defeated. I dont Feel happy. This time i have a lot of passion for becoming a cardiac surgeon but i am not able to decide this thing myself. I feel helpless. I feel guilty that I couldn?t clear neet exam. On the other hand there are some of my friends who never ever appeared for neet and did bams from private colleges are really happy and don?t have any complaints from this career. Why do i only feel defeated and unhappy.
Ans: Hi,
I cannot help you psychologically. But yes if you are really serious & want to restart give it a second thought that whether you will be able to give another 10 years into study. Plus NEET has become more competitive now as almost 24L+ students are writing this year. Again you won't make it there you will be more depressed. Other option would be MBBS abroad then. But still the question is will you be able to give your next 10 years into study?

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Ramalingam

Ramalingam Kalirajan  |1298 Answers  |Ask -

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Hi Jinal, We both partner are 40 year old. These days after having second child (9 month old), I am bit worried about my both sons (Elder one 10 year) future. We couple currently earning 3.5 Lack per month together (In hand). I am investing 15 thousand in LIC SIIP (Last two year), 25 thousand in SIP (SBI, Last two year), and nearly 20 thousand in LIC per month (Last 10 years). I do invest 1.5 Lacks in PPF every year (Last 13 year). With all this investment can i reach a core plus of 60 Lac (For younger one education) by 2030 and another 1 Cr (For Elder one education and marriage) by 2040. I don't have to plan our retirement as we both are government employee and automatically investing in NPS as per government rules (Current value of NPS is 80 Lack combined). Is this investment is sufficient or i have to increase further for our sons education. One more thing I do investment in gold also (Physical) approximately 3 Lack per year from last 2 years.
Ans: It's heartening to hear your dedication to securing your children's future amidst the joys and challenges of parenthood. Your commitment to various investments, including LIC policies, SIPs, and PPF, reflects your foresight and responsibility.

While your current investments provide a solid foundation, it's essential to regularly review and adjust your financial plan. Consider consulting with a Certified Financial Planner to assess if additional contributions or adjustments are needed to meet your ambitious goals.

Remember, financial planning is a journey, and flexibility is key to adapting to life's twists and turns. With careful planning and guidance, you can navigate towards a brighter future for your children with confidence.

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