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My 17-year-old daughter spends 1.5 hours getting ready, what can I do?

Anu

Anu Krishna  |1331 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 28, 2024

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
Asked by Anonymous - Oct 26, 2024Hindi
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Relationship

Hi Madam, I have a 17 years old daughter and have been struggling with an issue for some time now. She takes very long time in bathroom for getting ready. She takes minimum 1.5 hrs daily for getting ready. This includes time spent in teeth brushing,bathing and defecation. When I asked her then she told me she feels like cleaning multiple times and thus it takes time. I have tried multiple ways to ge her to resolve this but none has worked. She is a very sincere, gentle kid and She becomes very aggressive when I try to persist her to solve this. she takes a lot of time in washing, bathing and ends up consuming very high amount of soap. This has had effect on other hygiene related aspects like She developed extreme dryness in skin for which we had to take very long treatment from dermatalogist. The dermatalogist also counselled her many times to use limited amount of soap and fix time for every activity in bathroom. I think it is some form of OCD. It has had effect on other things like studies as she is not able to get ready on time and thus ends up compromising on other activities like eating time, studies time. I have tried to counsel her many times but it has not worked. I told her the problems which start due to this which impact her. I suggested that we meet some professional(like psychologist/psychiatrist/counsellers) but she doesn't agree to it. whenever i say to consult somebody then she says that she will fix it and for 1-2 days it gets a little better but then she goes to her old routine. I don't want to forcibly take her to any professionals as she might develop a complex that she is inferior. 1.How do i handle this issue 2.How do I convince her to meet some professional 3.Which professional should we meet. psychologist or psychiatrist or any other Please suggest what I should do as it is now becoming big problems

Ans: Dear Anonymous,
The challenge is convincing someone who does not want to be convinced.
Probably, you can strike a deal with her; saying that she can set this right her way, but if it does not happen, then you see and work with a professional. That way she would have committed to it herself.
I would not label it an OCD until it is diagnosed by an expert but behavioral changes like these are usually related to emotional issues. It is best that an expert who understands the mind handle this.
Until such time that you take her to an expert:
- try not to talk about it repeatedly; this causes her to become conscious and this can increase the behavior
- take away soaps/body washes after her first shower
- observe any change in behavior - agitation/nervousness towards any incident during the day and if it results in her indulging in washing herself after that and note that down

Yes, it is necessary for this to be handled at the earliest and there's only a little that you can do personally as emotional triggers need the assistance of someone who understands it deeply and then guides the person accordingly to not just change the behavior but eliminate the cause behind it.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

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

Asked by Anonymous - Aug 30, 2023Hindi
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My wife (aged 63 years) is suffering from Obsessive and Compulsive Disorder (OCD) for the 15 years. About 10 years back, she had undergone treatment at the Vellore Christian Hospital and is under medication. She is now better because of medication but her behaviour is very annoying at times. When I come from out side, she thinks that my cloths and all other things have become dirty and washes them. She feels that unless she offers "Puja" for at least 2 hours per day, bad things will happen to our family. Yesterday I flew from Bangalore and as soon as I reached home, she washed all my cloths including my new BP measuring instrument which I brought from there. I have two sons and they are married and reasonably well placed. I don't know what to do. Should I get separated from her? I am 72 and in good health.
Ans: It's important to consult with a mental health professional who can provide specific advice tailored to your wife's condition and your family's dynamics. Here are some steps you can consider:

Communicate: Open and compassionate communication is key. Talk to your wife about your concerns, and let her know how her behavior affects you. Use "I" statements to express your feelings without blaming her. Encourage her to share her thoughts and feelings as well.

Consult a Mental Health Professional: Reach out to a mental health specialist who specializes in OCD. Given that your wife has been on medication for a while but is still exhibiting distressing behavior, it may be beneficial to revisit her treatment plan. There might be adjustments needed in her medication or therapy.

Educate Yourself: Learn more about OCD and its symptoms to better understand what your wife is going through. This can help you be more empathetic and supportive.

Support Groups: Consider joining a support group for caregivers of individuals with OCD. This can provide you with valuable insights, coping strategies, and a network of people who understand your situation.

Seek Couples Therapy: Couples therapy can be helpful in improving communication and understanding between you and your wife. It can also provide guidance on how to manage the impact of OCD on your relationship.

Patience and Empathy: Living with someone who has OCD can be challenging, but try to be patient and empathetic. Remember that OCD is a mental health condition, and your wife's behaviors are driven by distressing thoughts and anxiety.

Self-Care: Take care of your own mental and emotional well-being. It's essential to maintain your own health and happiness while supporting your wife.

Legal Considerations: Separation or divorce should be considered only after exhausting all available avenues for treatment and support. Consulting with a family lawyer may be necessary if you decide to explore this option.

Ultimately, the decision to separate from your wife is a deeply personal one and should be made after careful consideration and with the guidance of professionals. Keep in mind that with the right treatment and support, people with OCD can improve their symptoms and lead fulfilling lives.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7169 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 28, 2024

Asked by Anonymous - Nov 28, 2024Hindi
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sir, how can i find multi bagger stocks ?how can i understand that a particular stock will give more than 100 percent returns in a year?
Ans: Finding multibagger stocks is a rewarding yet challenging journey. A stock giving 100% returns in a year requires deep analysis, patience, and understanding of market trends. Let’s explore the steps systematically.

What Are Multibagger Stocks?
Multibagger stocks are those that multiply the investment value significantly.

These stocks typically have high growth potential and emerge from undervalued sectors.

Characteristics of Potential Multibagger Stocks
Strong Fundamentals: Look for companies with consistent revenue growth and profitability.

Low Debt Levels: Prefer companies with low debt-to-equity ratios for financial stability.

High Return on Equity (ROE): Companies generating good returns on shareholders' funds can be great picks.

Sectoral Trends: Choose companies in emerging or fast-growing industries.

Steps to Identify Multibagger Stocks
1. Analyse Financial Statements
Study income statements, balance sheets, and cash flow reports.

Look for companies with increasing revenues and profit margins.

Focus on companies with efficient cost control and healthy free cash flow.

2. Management Quality and Vision
Ensure the company has a reputed and experienced management team.

Check for transparency in communication and consistent performance over the years.

3. Monitor Valuations
Avoid overvalued stocks, even if the company has high growth potential.

Choose stocks with attractive Price-to-Earnings (P/E) and Price-to-Book (P/B) ratios compared to industry peers.

4. Market Trends and Competitive Edge
Study the macroeconomic environment and market trends.

Look for companies with a unique competitive edge or niche product/service.

5. Earnings Growth Potential
Check for sustainable and consistent earnings growth.

Evaluate future earning potential based on market size, innovation, and expansion plans.

6. Institutional Holding
Higher promoter or institutional investor holdings often indicate confidence in the business.

Consistent promoter buying is a positive signal.

7. Understand the Business Model
Select companies with simple, scalable, and sustainable business models.

Avoid complex and highly volatile business structures.

8. Patience and Monitoring
Multibagger stocks need time to realize their potential.

Monitor quarterly and annual performance regularly to ensure alignment with expectations.

Evaluating a Stock for 100% Returns in a Year
1. Event-Based Upsides
Stocks in industries undergoing transformation often have event-driven growth.

For instance, government policies, mergers, or breakthroughs can accelerate growth.

2. High Beta Stocks
High beta stocks outperform in a bullish market but carry risk in volatile conditions.

Evaluate your risk tolerance before investing in such stocks.

3. Turnaround Stories
Companies overcoming financial distress or operational inefficiencies often become multibaggers.

Check the reasons for the turnaround and ensure it is sustainable.

4. Small-Cap and Micro-Cap Opportunities
These stocks often grow exponentially due to untapped market potential.

However, they are riskier and require careful analysis.

Common Mistakes to Avoid
Speculation: Never rely on rumours or tips without proper analysis.

Ignoring Risks: High-growth stocks often carry higher risks; diversification helps mitigate this.

Short-Term Focus: Look for sustainable growth rather than quick returns.

Overlooking Management Integrity: Avoid companies with poor governance or legal issues.

Tools for Analysis
Fundamental Analysis Platforms: Tools like screener.in can help evaluate financial metrics.

Technical Analysis Tools: Understand price movements and volume trends using charts.

Company Reports: Read annual and quarterly reports for deeper insights.

Benefits of Professional Guidance
A Certified Financial Planner (CFP) can help align stock selection with your financial goals.

Regular funds through a trusted CFP ensure disciplined investing and timely portfolio reviews.

Final Insights
Investing in multibagger stocks requires knowledge, discipline, and patience. Focus on quality stocks with strong fundamentals and growth potential. Keep realistic expectations and diversify your portfolio to manage risks effectively.

Stay updated on market trends and refine your strategies regularly.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |7169 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 28, 2024

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sir can i invest in shriram mutual fund sector rottation or i hv to select other like aditya birla psu?
Ans: Sectoral funds focus on specific industries or sectors like financial services, IT, or energy. These funds have high growth potential but come with concentrated risks. Investing in these funds requires knowledge about the sector's future growth prospects and cyclicality.

Sector rotation funds aim to move investments between sectors based on market trends. This strategy demands active fund management and market expertise.

Careful analysis of your risk tolerance and goals is essential before choosing sector-focused funds.

Evaluating PSU Funds
Public Sector Undertaking (PSU) funds invest in companies backed by the government. These funds may offer stability and dividends, especially in utilities and banking. However, PSU performance can depend on government policies and market trends.

Consider PSU funds if you seek moderate risk and relatively steady returns. These funds may work well in a balanced portfolio.

Active Funds: A Strong Contender
Active mutual funds are managed by professional fund managers. They aim to outperform the market by identifying strong investment opportunities. Sector funds and diversified funds often fall under this category.

These funds offer flexibility and aim to generate higher returns than benchmarks. For long-term goals, active funds managed by skilled teams can be a better choice than passive funds.

Drawbacks of Index Funds and ETFs
Index funds and ETFs track market indices and lack active management. While these funds have low costs, they cannot outperform the market.

Actively managed funds provide the opportunity to generate higher alpha. This is crucial for long-term wealth creation. Index funds are less flexible and may miss opportunities in emerging or underperforming sectors.

Regular Funds Over Direct Funds
Investing through a Certified Financial Planner (CFP) ensures expert guidance. CFPs consider your goals, risk profile, and financial needs.

Direct funds lack personalized advice and can lead to uninformed decisions. Regular funds offer access to expertise and timely rebalancing.

Taxation Considerations
New tax rules for mutual funds include:

Long-Term Capital Gains (LTCG) above Rs 1.25 lakh on equity funds taxed at 12.5%.
Short-Term Capital Gains (STCG) taxed at 20%.
Debt mutual funds are taxed as per your income tax slab for both LTCG and STCG.
Keep these tax implications in mind while planning your investments.

Assessing Your Portfolio
Ensure your portfolio aligns with your financial goals and risk appetite.
Diversify across asset classes and sectors to reduce risk.
Regularly review and rebalance your portfolio for optimal performance.
Surrendering Insurance-Linked Investments
If you hold LIC, ULIPs, or investment-linked insurance policies, consider surrendering them. Reinvest the proceeds in mutual funds for higher returns and transparency.

Steps to Take
Define your financial goals and investment horizon.
Evaluate sectoral and PSU fund options based on their historical performance.
Consult a Certified Financial Planner for personalized advice.
Reassess your portfolio periodically and make adjustments as needed.
Final Insights
Sector rotation and PSU funds both have unique advantages. Your choice should depend on your financial goals and risk tolerance. Active funds and regular plans through a CFP provide flexibility and expert management.

Invest with a long-term perspective and a well-diversified strategy. This approach will help you achieve sustainable financial growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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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