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Divorced Dad With Depressions: Can't See Son Due to Ex-Wife & Doesn't Get Financial Assistance. Help?

Kanchan

Kanchan Rai  |403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 09, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Mohammad Question by Mohammad on Jun 08, 2024Hindi
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Dear dr , my colleague is divorced 2 yrs back ,he is suffering from acute depression, his ex wife has not allowed her son to meet his father in last 2 yrs, as ex wife family is financial very strong they are not taking any monthly support from my colleague for his son.meanwhile son is 10 yr old and is brainwash that his father is not good ,so doesn't want to meet him. My colleague is getting more depressed and admitted for 1 month in hospital and got ECT therapy. Kindly guide ,what we can do so he xan meet his son once a week

Ans: dear Mohammad,
First, it might be helpful for your colleague to consult with a family lawyer who specializes in custody and visitation rights. Even if his ex-wife’s family is financially strong and not accepting support, your colleague likely still has legal rights to see his son. A lawyer can help him explore options like mediation or going back to court to request visitation rights. Since the child has been influenced against him, a court might consider a gradual reintroduction, possibly with the help of a therapist, to rebuild their relationship.

It could also be beneficial to involve a mental health professional who can provide guidance on how to handle this emotionally challenging situation. This professional can help your colleague manage his depression and support him in dealing with the stress related to his son.

As a friend or colleague, your support is invaluable. Encourage him to seek legal and psychological help and remind him that he’s not alone in this battle. Regular check-ins, even if just to listen, can make a big difference in his recovery.

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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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Anu Krishna  |1293 Answers  |Ask -

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Hi Mam I need your expertly advise on this one below. I am gong to talk about my nephew ( my blood sister's son ) He is 31 YO and got married 1 n half years back. His father had a bipolar issue (who is no more now) He is a B.Tech in Comp Science currently unemployed. Now , the key issue is this boy is not physically intimate to his wife since marriage which we cud observe. Last November 2022 he lost his job also due to retrenchment. Since then he underwent depression and anxiety related disorders. So we sought a proper medical advise and under treatment since March 2023. After treatment and medication , his situation slightly improved. The Doctor ( Physichiatrist) who has been evaluating him, has recently told us that his wife is the reason for this trigger and after effects. Also explained us that " whenever he sees her wife around , his inability to perform or engage in family life strikes him and mental issues start. So on an experiment basis, Dr asked us to send his wife for a brief vacation of 10 days to her hometown and said tt his condition would greatly improve. As he foreseen, that is what has happened and Dr confirmed this in his latest review. Now He is asking us to convey this matter to his wife. We really don't know how to take this forward as the Girl would feel hurt and bad as same time His health is also equally important. P: S : 1.The Girl and their family is aware that He is undergoing treatment and she accompanied him in a few reviews too. 2. Dr suggested us to go for a 2nd opinion if we want . But the way he puts it, its clear that he is very much confident about his diagnosis. many thanks your expertly advise regards Mano
Ans: Dear Bonhoure,
We cannot control our environment but only choose how we respond to it. Life throws us curveballs all the time...do we run away from it or do we wish it away?
So, I do find it strange that the Psychiatrist you mention has actually concluded that the wife is the problem, so she should be sent away...
Why was a Couples' counseling session not scheduled? The matter could have been dealt with very intimately as she is also an affected party as is your nephew.
What if the whole thing was in reverse? Will your family be able to take it that he is being sent away as he is the problem? Would you not want him to have a chance to share his side of the story?

An expert needs to hear both sides and counsel or coach them as a unit as they are married...to simply wish someone away, is in my opinion a foolish thing to do as it will break their marriage. Since the doctor has suggested you to go for a second opinion, I suggest the same. Everybody deserves a chance at happiness, so does your nephew and his wife...even if what the doctor diagnosed is true, it is professionally correct to bring them together and work together with them It's highly possible that things might resolve itself this way...

Why separate people when there is a chance to keep them together? So, find solutions keeping the latter in mind rather than the former...

All the best!

..Read more

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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

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

Asked by Anonymous - Nov 15, 2024Hindi
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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

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