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Aruna

Aruna Agarwal  |57 Answers  |Ask -

Child and Parenting Counsellor - Answered on May 27, 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
Gulshan Question by Gulshan on May 17, 2023Hindi
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I have one son who is mentally challenged. I am worried about his future life after my demise. Can you suggest the names of institutions who can take care of such persons. I am ready to pay and deposit more than one crore rupees for his care after my death.

Ans: There are few rehabilitation centre in Mumbai and Bangalore. You can check about it and decide which is going to be best for his needs.
You can look out for various therapies where you can Target his skill based activities to get him to be independent .
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 madam, my 19 year old son is suffering from extreme mental health issues. *. He is not interested in studies, says he cannot concentrate at all. *. He is always sleeping. *.Don't want to attain college classes but need attendance to avoid debarred list. *. Just want to go to college for modelling in college fashion shows & college fests. *. Want to spend life like an page 3 celebrity. *. Don't want to write exams but still worried that he cannot clear his graduation. *. Not at all respectful to his Mom. *. Always worried to enhance his looks. *. Needs expensive new clothes & beauty products. *. Doesn't understand value of money at all. *. Has nothing in his mind about his future. *. Cries very easily. *. Thinks he cannot do anything. *. 0% household help or support from his side. *. Always confused, nothing remembers. *. Doesn't like visiting our native place & talking to relatives. There are still to many issues. I don't understand what I should do? Please help.
Ans: Dear Anonymous,
He seems to want to live in a place of alternate reality where the real life is wilfully blurred and a fantasy world plays out easily. This happens when the real world facts disturb him and stress him and escaping into that alternate reality feels reassuring and calming.
This can be addressed by setting up an appointment with a Clinical Psychologist who is skilled to work with teenagers. She/he will use various techniques to ease your son into the real world. Kindly act NOW. In the meantime, surround him with a lot of love and affection.
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Relationships Expert, Mind Coach - Answered on Sep 30, 2023

Asked by Anonymous - Sep 29, 2023Hindi
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Madam, Myself and my wife are old (79 and 73 years of age). We have only child (son) aged 50 years. My son was academically very brilliant in his school and college days. But after chicken box disease in young age he developed cardiac problem.Doctor diagnosed it as Cardiomyopathy and he is still undergoing treatment. Due to this shock, my son became too depressed and totally is disabled. He also became a psychiatric patient, diagnosis being Schizophrenia. He is not able to self manage. He is not settled in life - No job and No marriage! The concern is: After we parents leave the world there are no relatives or friends volunteer to take care of him. How to get a solution for this? Shall be very grateful to receive your advice. Regards.
Ans: I'm truly sorry to hear about the challenging situation you and your family are facing. Caring for an adult child with complex medical and mental health issues can be incredibly difficult, especially when considering the future when you may not be there to provide support. Here are some steps you can take to plan for your son's care:

Consult with Professionals: Seek the advice of medical professionals, including your son's treating physicians and mental health providers. They can provide guidance on his current treatment plan and any potential long-term care needs.
Legal and Financial Planning: Consult with an attorney who specializes in elder law or disability law to help you establish the necessary legal documents and financial arrangements. This may include setting up a special needs trust, appointing a guardian, and creating a will that outlines your son's care and financial support after your passing.
Identify Caregivers: While you mentioned that there are no relatives or friends willing to take care of your son, it's essential to continue exploring potential options. You might consider reaching out to local support groups for parents of children with disabilities or mental health issues to connect with others who have faced similar challenges.
Government Assistance: Research government programs and benefits available to individuals with disabilities
Care Facilities: Investigate residential care facilities and group homes that specialize in providing care for adults with disabilities. Some facilities offer long-term care options that can provide a stable and supportive environment for your son.
Support Services: Look for local agencies and nonprofit organizations that offer support services for individuals with mental health issues and disabilities. They may provide assistance with housing, employment, and daily living skills.
Include Your Son in Planning: To the extent possible, involve your son in discussions about his future care and living arrangements. His input and preferences should be considered in the planning process.
Create a Support Network: Engage with local and online support communities for parents and caregivers of individuals with mental health and disability challenges. Connecting with others who have faced similar situations can provide valuable advice and emotional support.
Continuity of Care: Ensure that all essential medical and psychiatric records are well-documented and easily accessible for future caregivers. This will help provide a seamless transition in case of any changes in care providers.
Regular Updates: As your son's condition may change over time, it's crucial to periodically review and update your plans and arrangements to adapt to his evolving needs.
Remember that you are not alone in facing these challenges, and there are resources and professionals available to help you navigate this difficult journey. Seek guidance from experts and reach out to local disability organizations to explore available support and options for your son's future care.
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Ashwini Dasgupta  |68 Answers  |Ask -

Personality Development Expert, Career Coach - Answered on Mar 22, 2024

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My son is of 19 years old, is mildly autistic, has a bit slow comprehension of instructions given to him. lives in his own world , and left schooling due to bad academic grasp. very docile in nature. Can u advise on any life grooming path/procedure for him...
Ans: Dear Dipentu,

Thank you for writing in

Few aspects to look at
Identify your son's strengths and weaknesses and encourage him to explore that aligns with his abilities and interests
Life skill development and prioritizing on life skills like self-care- money management, learning to write his name and signature, organizing his room, etc. This will make him independent as he grows older.
Social skills development can opt for group activities/ therapy, and encourage him to take part in social activities, where he gets an opportunity to interact with others.
Have a personalized education plan -look for professionals who can tailor the education to his unique needs and goals.
Therapeutic Support- Consider enrolling your son in therapy or counseling with the experts to address any emotional, behavioral, or social challenges if any. Such therapy sessions help the individual in building self-confidence, coping skills, and resilience.
Have a fixed, structured, and supportive environment- Provide clear instructions, visual supports, and consistent routines to help your son navigate daily tasks and responsibilities. Plan the discipline around him. Have a schedule and tell him what he needs to follow. For example- Keep a watch in front of him with a timer and alarm and tell him you will do this X activity until the alarm rings. Give direct instructions to him. To say in big or multiple sentences. For example- Come Here, Sit here, Do this, etc.
Exercises- there are certain exercises you can make him do that will help him to do better. You can find these exercises on Youtube or look for professional experts.
Importantly be patient, supportive, persistent, and positive in guiding him and making him a confident individual.

Hope this helps.
To Your Success
Thanks and Regards
Ashwini Dasgupta
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Ramalingam

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Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Mar 18, 2024Hindi
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Hello, Hope you're doing good! I am 32 yrs old and planning to invest till 60 yrs i.e till next 28 yrs. I am investing in below MFs and some other savings schemes, I need you suggestion on the same: MFs Investment: 1. ICICI Prudential Nifty Alpha Low Volatility 30 ETF FOF - 1,500/- PM 2. Tata Resource & Energy Fund - 2,000/- PM 3. ICICI Prudential Technology - 1,500/- 4. Nippon India Nifty Smallcap 250 Index Fund - 1,000/- PM 5. SBI Nifty Next 50 Index Fund - 1,000/- PM 6. ICICI Prudential Nasdaq 100 Index Fund - 1,000/- PM 7. ICICI Prudential Nifty Bank Index Fund - 2,000/- PM Apart from this I am also investing in NPS around 17,500/- PM and PF around 30,500 including both. Also investing 5,000/- in Max Life Online Savings Plan (10 yrs investing period and 15 Yrs total Policy period). My goal is to be accumulate wealth for my retirement. Thank you in advance for your help.
Ans: Your investment approach reflects a thoughtful strategy aimed at building long-term wealth for your retirement. Diversifying your portfolio across different asset classes, including equity mutual funds, index funds, and savings schemes like NPS and PF, is a wise move.

Maintaining a disciplined investment habit and staying committed to your financial goals over the next 28 years will be crucial. Regularly reviewing your portfolio's performance and adjusting it as needed to stay aligned with your objectives is essential.

Remember, the journey to retirement wealth accumulation is a marathon, not a sprint. Stay patient, stay focused, and trust in the power of compounding to grow your investments steadily over time.

By diligently contributing to your investment portfolio and making informed decisions, you're laying a solid foundation for a financially secure and fulfilling retirement. Keep up the good work, and your future self will thank you for it.
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Hi i am 49 and currently have a total corpus of approx 2.5 crs ( 1cr in MF/50 lacs in stocks/ another 80-90 lacs in PF/ EPF/ NPS and some other instruments.i am planning to retire in 13 years i.e at 62 . i will be able to accumulate another 5 cr approx more till then and with the current portfolio and interests of those looking at 10 cr of corpus then . will it be sufficient for my 15- 17 years of life after that looking at 3-4 lakhs montly expenses then
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I'm 48 year old and a housewife. My husband is 52 and working in a restaurant with a salary of 24k p.m. I'm looking into investing with whatever remains out of this salary, approx. 5k (my daughter who is 22 year old is contributing a part of her income for household expenses). Please advise the best schemes/ MFs that we can invest into and also advise the procedure to MF as we have no knowledge about it. Also if my daughter can invest approx 5k-8k, what are the best plans for her to invest in SIP. Please advise. Thankyou.
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For you and your husband, consider starting with SIPs in diversified equity funds or balanced funds that suit your risk appetite and investment goals. As beginners, it's crucial to choose schemes with a track record of consistent performance and managed by reputable fund houses.

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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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