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Anu

Anu Krishna  |1293 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 17, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Upendra Question by Upendra on May 15, 2023Hindi
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Relationship

My 11 years daughters Stammers at times. She is ok when she has to narrate things of her own. When Stammers when she has to make things explain. Please suggest me.

Ans: Dear Upendra,
It could be possible that she is under some sort of anxiety to get things right while explaining it.
Even a small incident from childhood where she was stopped when she was explaining and felt conscious, can trigger the same event later in life as well.
When did this stammering begin? Was it when she began talking or much later?
If much later, what event occurred just prior to that? This can be a good indicator of the WHY behind her stammering.
And why I feel this way is because you say that she is okay narrating things on her own but stammers only when she has to explain things. Also a point that you can pay attention to is: Is it when she explains anything or only certain things?
- You can try and work with this by yourself at home by allowing her to gain confidence when she explains, encouraging her rather than making her aware of it.
- Standing in front of the mirror and rehearsing/explaining can give her feedback instantly without her having to feel embarrassed in front of anyone
- Mind games to increase confidence can be introduced (you can seek the help of a therapist)
- Spend a lot of time together as a family in love and care which ensures her that she is never alone

If you still feel that things are not improving, I suggest that you visit a therapist or a psychologist who can guide her through this.

All the best!

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Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |124 Answers  |Ask -

Physiotherapist - Answered on Jun 21, 2024

Asked by Anonymous - Jun 20, 2024Hindi
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Health
Dr Shakeeb, I have an 21 year old daughter who has speech disability. We tried different types of therapies but nothing helped beyond a point. She is smart but very dependent on us, her parents. She walks slowly and has gained weight as well. She doesn't look into the eye when she's making a conversation but she is very observant of people and surroundings. We are in our 50s and want to make her independent. Should we apply for a disability certificate? How can we try and help her?
Ans: Thank you for sharing your daughter's situation. It sounds like you've been dedicated in seeking help and support for her. Here are some detailed steps and suggestions to further assist her and ensure she receives the necessary support:

1. Disability Certificate:
- Application Process: Applying for a disability certificate is a crucial step. This certificate can officially document her disability, making her eligible for various benefits, schemes, and support systems.
- Evaluation: It will involve a thorough medical and psychological evaluation. Given her symptoms, a professional might assess her for conditions such as Autism Spectrum Disorder (ASD).

2. Vocational Training and Education:
- Local NGOs: Look for non-governmental organizations (NGOs) or institutions nearby that offer vocational training and educational programs tailored for individuals with disabilities. These programs can enhance her skills and increase her independence.
- Specialized Programs: Many NGOs provide tailored programs focusing on communication skills, daily living skills, and specific job training.

3. National Trust Schemes:
- Niramaya Health Insurance Scheme: This scheme offers health insurance coverage for individuals with autism and other disabilities, covering various medical needs without age limitations.
- Other Schemes: Explore other schemes under the National Trust, which aim to provide lifelong shelter, care, and employment for individuals with disabilities.

4. Support Groups and Associations:
- Parent Associations: Joining a parent association group can be incredibly beneficial. These groups offer emotional support, share resources, and provide practical advice from experienced parents.
- Disability Support Groups: These groups can connect you with other families facing similar challenges, and offer workshops, social events, and advocacy support.

5. Legal Guardianship:
- National Trust Act 1999: This act includes provisions for appointing legal guardians for adults with disabilities. This can ensure that your daughter has a designated guardian to make decisions on her behalf if necessary.
- Guardianship Boards: Look into the local guardianship boards or legal advisors to understand the process and ensure your daughter's future security.

Additional Tips:
- Therapeutic Support: Continue exploring different types of therapies. Sometimes, a combination of speech therapy, occupational therapy, and behavioral therapy can yield better results.
- Healthy Lifestyle: Encourage physical activities suited to her abilities to help manage her weight and improve overall health. This could include walking, swimming, or specialized fitness programs for individuals with disabilities.
- Social Skills Training: Work on her social skills gradually, focusing on eye contact, conversation skills, and building confidence in social settings.

By pursuing these steps, you can help create a supportive environment for your daughter that fosters her independence and improves her quality of life. Your proactive approach and dedication will be invaluable in ensuring she receives the necessary support and opportunities for personal growth

..Read more

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Milind

Milind Vadjikar  |642 Answers  |Ask -

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

Milind

Milind Vadjikar  |642 Answers  |Ask -

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;

...Read more

Milind

Milind Vadjikar  |642 Answers  |Ask -

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

Asked by Anonymous - Nov 15, 2024Hindi
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Money
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

Milind

Milind Vadjikar  |642 Answers  |Ask -

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

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