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Dr Deepa

Dr Deepa Suvarna  |130 Answers  |Ask -

Paediatrician - Answered on Jul 28, 2023

Dr Deepa Suvarna is a practising paediatrician with 25 years of experience. She completed her MD in paediatrics from the TN Medical College and BYL Nair Hospital, MBBS from the King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College and diploma in child health from the College of Physicians and Surgeons.... more
San Question by San on Jul 06, 2023Hindi
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How Do I Get My Infant to Sleep

Ans: Try and fix a bedtime routine. There should be a meal followed by a play time. This could be followed by a warm bath. Depending on the age of the child , a story could be read or a soothing song. Avoid rocking. Just place the child in bed with comfortable bedding, clothing. Lighting should be dim. At the most pat the baby for a while. Then you should leave the room. Even if the baby cries in protest avoid rushing back. Return only if the crying is distressed. Some therapists advise returning only up to the door and speaking soothingly to the child.
It goes without saying, no screen time at all.
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 Madam!I have two kids (daughter 13 and son 10 years old).My son has a habit to go to sleep at 10 pm but he always requires me to be besides him.Whenever, I tell him that I will come after some time, then he asks me at what time, if I say 10.30 or 11 pm then he keeps on watching the clock for the time. And he comes to me that the time is up and come to sleep.If sometimes, I scold him and put to sleep and I go out in the hall, he is still awake after two hours also.If I sleep with my son then he has a sound sleep and is not disturbed.I am worried about his behaviour of sleeping with me as he is growing up and I want him to sleep on his own.Please help, how can I do it naturally without harming his feelings.Thanking youRegards,M
Ans:

Dear M,

Is there a reason why he insists on you being with him?

When did this exactly start, or has it been like this right from when he was a baby? Wanting to still cling on could also be a sign of some underlying stress within the family.

Whatever the reason is, it is certainly useful to wean him off from the emotional security he seeks from you which is satisfied by your physical presence.

What if this emotional security can be fulfilled in other ways?

Like for example: Stories. Stories are a way by which you can bring real life situations without really suggesting anything but driving the point home through a character.

Now, will this work? You can surely give this a fair chance. Start by introducing a character that is around your son’s age and height but with a different name and build a story of his triumph over insecurity and fear and into confidence and happiness.

Also, you can wean off the time you are with him during his bedtime; like if you need to be with him for an hour before he sleeps, bring it down to 30 mins, 15 mins, 10 mins.

Keep a warm, soft light on till he sleeps.

Reassure him that no matter what; you love him and will always do.

Hug him a lot during the day (if he is a child that likes the sensory touch and feel).

Watch movies that show care and love in the family system.

And love, love and love him a lot and show him just that.

All the best!

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

Asked by Anonymous - Nov 14, 2024Hindi
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Hello finance guru, I am 45 years old , with 2 kids. I live in a Tier-1 city with ~49 Crores of networth. This includes ~12 crores of investment in real estate (land and a flat at a prime location), ~34 crores in equity, ~1 Cr in Crypto and ~2 Cr in cash. I work in a pharmaceutical firm in an executive role and planning to retire in the next 1 year. My knowledge on finances is average and would like to seek your advise. I would like to generate ~2.5 lakhs per month for expenses from my savings and would like to double my networth in the next 7 years. Could you provide me help on the directions I can take to make this working?
Ans: Hello;

Deducting the real estate and crypto investments from your networth, we have 36 Cr.

You may invest 4 Cr each in 2 equity savings type mutual funds and 2 conservative hybrid debt oriented mutual funds.

If you do a 3% SWP from each of these funds you may expect a monthly payout of around 2.8 L (post-tax).

These funds generally yield 8-9% returns so they will continue to provide inflation adjusted income to you.(6% inflation rate considered)

Balance remains around 20 Cr, while 2 Cr may be retained as liquid fund for contingency requirement, the balance 18 Cr you may invest in combination of mutual funds, PMSs and AIFs.

As you enter retirement phase your focus should shift from "maximising returns" to "decent returns with moderate risk" since return of capital is more important than return on capital.

Happy Investing;
X: @mars_invest

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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

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Dear Sir, I am 53 yrs. I want to retire @60 with a INR 2.00 Cr Corps. Currently I have following SIP Total SIP 30000/- PM Axis Bluechip Fund - Regular Plan - Growth HDFC Mid-Cap Opportunities Fund - Growth Plan Aditya Birla Sun Life Pure Value Fund - Growth Option Aditya Birla Sun Life Equity Advantage Fund - Regular Growth Sundaram Mid Cap Fund Regular Plan - Growth Bajaj Finserv Flexi Cap Fund -Regular Plan-Growth Franklin India Focused Equity Fund - Growth Plan Franklin India Smaller Companies Fund-Growth HDFC Top 100 Fund - Growth Option HDFC Multi Cap Fund - Growth Option I have MF Investment @ 26.00 Lakh Current Value is @ 52.00 Lakh. I have Savings of Rs. 10.00 Lakh, PPF Rs. 5.00 Lakh, Share investment Current Market Value around Rs. 20.00 Lakhs. I don't have any Loan. Insurance INR 1.50 Cr. up age of 70. Per month earning around Rs. 1.25 Lakh. I have a Investment in real estate which can give my INR 40.00 Lakh at current Market Price & Gold Investment of INR 20.00 Lakh which I think sufficient for my daughter Marriage. Current Monthly Expense INR 40-50 K. I am in a new tax regime, so discontinue my ELSS saving and PPF Saving. Suggest how i can increase my Corpus for retirement.
Ans: Hello;

You may top-up your monthly sip by 10% every year for 7 years. This will grow into a sum of around 0.51 Cr.

The MF corpus and direct equity holdings worth 0.72 Cr today will grow into a corpus of 1.59 Cr after 7 years.

Therefore you may achieve your intended corpus of 1.59+ 0.51=2.1 Cr, 7 years from now. A modest return of 12% is assumed from MF and direct equity holdings.

2-3 years before 60 you should start moving your gains from equity funds to liquid or ultra short duration debt funds to protect it against market volatility.

Also good health care insurance for yourself and your spouse.

RE property you may sell at a later date to boost your retirement income.

Happy Investing;
X: @mars_invest

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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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