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Nayagam P

Nayagam P P  |3908 Answers  |Ask -

Career Counsellor - Answered on Aug 15, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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pravin Question by pravin on Aug 13, 2024Hindi
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Relationship

Dear Sir, I had done counselling 4 times he behave very well manner child in front of counselor but again behaving same when he started avoiding to come to counselor i arrange counselor to come at home but result is same good behavior front of counselor he agreed everything what counselor is saying but after counselor session is over result is same watching mobile not eating food not doing exercise sitting in one place watching mobile and every time is saying i am not feeling well my body paining almost 6 month had past saying the same word my body is paining i had shown to doctors check the blood also report are normal in his mind is that if i am not felling well dad will not send me to college and his body also reacting the same when he get in morning always saying my body is paining. we are both working parent he alone at home we hardly get time to watch gadgets,we always encourage him about his Carrier to do something and explain the fact also we are getting retired soon then how you manage your expenses he is saying i am not worried about any thing please suggest sir how can i make him understand his responsibility he is the only child of us .

Ans: Pravin Sir,

One of the important points that you have mentioned is that you BOTH are working, and he has been alone at home which should not have happened. And since which standard he has been alone at home & since when he has been using mobile are also 2-other important factors that have led to this problem.

One of the reasons, I had already & correctly mentioned is that, 'lack of communication/interaction' by parents, which is applicable to your son.

Now, the first (and may be only) solution is that either you or your mother have to quit the job and look after him at home. If you both are in Govt. Jobs, it is difficult to quit, but no other option in the interest of & for the future of your son.

If you want to have control over / get something, you will have to lose something.

(Or) if you both cannot leave the job, you have to arrange for a male caretaker / any of your close / trustworthy relatives who can take care of him.

(Or) You will have to drop him from the college and make him join some short-term courses with any of your nearby reputed institutes which provide job assistance/job guarantees. And he should keep upgrading his skills (by joining online/offline short-term part-time courses) after he joins any job, & gains experience.

Above all, you should definitely make sure that someone is available with him at home from now. If you fail to do this, new problems will come, Sir. You can seek the help of his (good) friends to change his behaviour as one of the options.

You may like to see similar questions and answers below

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

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

Asked by Anonymous - Feb 10, 2023Hindi
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Dear Doc., My Son falls under handicapped category. he is good in studies and intelligent. Has a postgraduate degree. because of his problem, he likes to stay aloof and stay at home, may be because of his hearing and speech problem. doesn't like to go out and any one visiting us. He is not using his intelligence in concrete work/ manner. Any kind of screen is his best time pass and remains irritated and angry. how to counsel him is our problem, because the moment we try to discuss about his progress, going to job etc. he disengages himself and goes away. please advise.
Ans: It sounds like your son may be struggling with some social and emotional challenges related to his hearing and speech problem, and it's understandable that this could impact his ability to communicate and socialize with others. As a psychologist, I would recommend the following suggestions to help counsel your son:

Validate his feelings: Let your son know that you understand that it can be difficult for him to navigate social situations with his hearing and speech challenges. Validate his feelings and reassure him that he is not alone in feeling this way.

Encourage social interaction: While your son may be comfortable at home, it's important to encourage him to interact with others outside of the home as well. This could be through community events, volunteering, or joining social groups for individuals with similar challenges. Gradually exposing him to new situations can help him build confidence and develop new skills.

Focus on strengths and interests: Encourage your son to pursue his interests and strengths, whether it's in academics, music, or any other area. This can help him develop a sense of purpose and fulfillment.

Explore therapy options: Counseling or therapy can be an effective way for your son to work through his challenges and develop coping strategies. Consider exploring therapy options, such as speech therapy, social skills training, or cognitive-behavioral therapy, which can be tailored to meet his specific needs.

Use positive reinforcement: When your son makes progress, offer positive reinforcement and encouragement. Celebrate his accomplishments, even if they are small, to help build his confidence and motivation.

Remember, counseling and support is a process that takes time, patience, and persistence. Be sure to approach your son with empathy and understanding, and work together to develop a plan that supports his well-being and personal growth.

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Nayagam P

Nayagam P P  |3908 Answers  |Ask -

Career Counsellor - Answered on Aug 13, 2024

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Hello sir, my son is 18 year old after 10th i took his admission to electrical engineering 1st year of his engineering he is regularly going for college in 2nd semester got 5 subject ATKT due to government bless rule he got admission to 2nd year also but my son started avoiding to going to college hole day just watching mobile not studying for his ATKT subject also saying i dont want to study i want to become a youtuber but doing nothing hole day just watching mobile if i scold him and stop his wifi he is saying i will leave the house he is not bother about food nor about his health nor his Carrier just required WIFI for mobile i am very tense for his carrier and future he dont have friends also please advise how can i make him understand how study is important and how can i complete his engineering to get job to earn money thank you pravin k
Ans: Pravin Sir,

Addition to electronic gadgets is one of the problems, some parents face nowadays.

First of all, approach a good Professional / Qualified Student Counsellor along with your son in your locality. Make sure, the Counsellor has Psychology Background also. There might be some changes. If needed, you can approach a Psychologist, having specialised knowledge in Counselling the children of your son's age.

Follow-up counselling sessions with the counsellors are also important until he changes his attitude.

If possible, visit his college and request for couselling your son. Almost all colleges have counsellors who can help.

Some other tips:

1) Tell him, he also can become YouTuber. But ask him what plans he has to become a YouTuber?
2) Switching off WiFi & being authoritarian will not work.
3) Communicate or interact with him politely whenever possible.
4) Tell him he can use his mobile but, at the same time should focus on his studies as well.
5) Make sure, atmosophere at home is good. Such as, parents also should avoid spending too much time on Electronic Gadgets. Most of the children imitate only their parents.
6) If possible, tell him to participate in physical activities as well.

All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

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Milind

Milind Vadjikar  |650 Answers  |Ask -

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

Asked by Anonymous - Nov 14, 2024Hindi
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Money
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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Milind

Milind Vadjikar  |650 Answers  |Ask -

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

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Money
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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Milind

Milind Vadjikar  |650 Answers  |Ask -

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

Milind

Milind Vadjikar  |650 Answers  |Ask -

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

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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