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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 22, 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
Asked by Anonymous - Feb 03, 2023Hindi
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Relationship

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.
All the best!

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Child and Parenting Counsellor - Answered on Feb 04, 2023

Asked by Anonymous - Feb 03, 2023Hindi
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Hello Doctor, 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: Pre-frontal cortex is part of the brain which helps us make responsible decision making. It gets fully developed by 25 years of age. Yours is developed and functioning and your boy's is in the process. Have faith, you have brought him up and he will mirror your actions, your words, the tone of voice soon. Adolescence stage a teen is looking to showcase his self-esteem and identity. Dressing up, looking a certain way is part of the routine and they love adventure. My suggestions: 1. Listen and then respond. Talk of things he does at college, ask him his dreams, help him set one goal at a time and help him to achieve them if he needs help. 2. Make visiting the native place an adventure: let him plan the journey, the time, the food to carry the presents to give everyone there. Even cajole him that he would be able to make some reels there and share with all. 3. Ask for help: be a human who has emotional needs, gets tired, needs help to finish house work. Your child would be seeing you as an established adult, who manages everything, and then imagine you are asking for help from him to do things at home. 4. Career counselling and meeting people from different professions will clear his mind to choose what he loves. 5. Attending college: Ask him about his favourite subjects, what he finds easy and difficult. Peer support and sitting with friends to revise helps to attend college. do encourage that.
Show your boy you love him but also demand from your son that he is responsible for his world. He is an adult in the eyes of law and his actions has a consequences. Money matters can be solved by giving him a fixed amount to run his week. There is a balance between discipline and respect, treat him like a young adult and not a child. You are a good parent, be kind to yourself and meet your friends too. Do revert with the progress!
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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

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

Asked by Anonymous - Feb 10, 2023Hindi
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Relationship
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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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 30, 2023

Asked by Anonymous - Sep 29, 2023Hindi
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Relationship
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

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 2024

Asked by Anonymous - Mar 19, 2024Hindi
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Relationship
Child counselling - psychological and career guidance Background:- My son is soon going to enter his teen age in couple of months. I’m a widow with no assistance from both sides of the family. My sons been in boarding all along however last year I brought him back, took a career backseat Working from home, dedicating all my time todays him. Off late bad company at school is influencing him and has resulted into major issues pertaining to behaviour and disrespect towards teachers, other parents and me. He doesn’t feel guilty or acknowledge the fact that he needs to stop being a bully and be the sane kind caring child he use to be. Tried someone free counselling it back fired. Education grades are dropping and he’s got no inclination towards academics. He’s interested in things that can’t earn him a career option. He was in Igcse board and has to move him to cbse so struggling with school, curriculum, new area new friends and isn’t understanding the impact of his actions. Very concerned for his future cause everything I earn was and is invested in his boarding and schooling and I’ve not saved enough for the future. What to do next? He’s been identified with Attention deficiency when he was 8yrs just before lockdown but we didn’t pursue any treatment. My frustration too comes out on him and gets the worst of me but that’s pushed him even further away from me. He’s interested are physical and not Education inclined my friends suggest remove him from these expensive schools( paying 3.5lac minimum every year) and put him in a local school and just save for my future. I can’t be so selfish. I had put him in best school and selected subjects like French so that if he goes abroad a foreign language can help and he anyways struggles to even pass in Hindi and local languages so selected a school too so that his board exams eventually he will have to write only English and French exams that can help him score. After sacrificing my time health career and money I feel in these 6 months everything is going downhill my anxiety and stress has gone out of control. His friends are being a terrible influence and it’s scary cause I’ve had some major complaints from teachers and other parents. What do I do? I can’t give up I have faith and only hope it’s just a phase I’m still loving caring and trying to talk with him and understand where can we mend things before it’s late and hoping for some guidance
Ans: Dear Anonymous,
It is a difficult phase that you are going through...
It will be worth pulling him out of the school for a while...it's not just to save money but also to focus on his therapy that he surely needs to get into. Also, during his therapy, you will know where his interest lie...Do remember, we are all unique...some of us take up professions that may not give us immediate money but it trickles in later or maybe it comes in the form of satisfaction rather than money.
You are attempting to secure his future and you are right as a single mom to do that because you want your son to be in a stable place which you did not experience. But his path in life is his to follow...any attempt to control it will cause the two of you a lot of emotional upheavals.
Kindly get him assessed again as you did mention Attention Deficiency...that will allow for appropriate corrective measures right away which will channelize his energies in the right direction. Otherwise both you and he will be on a roller coaster ride that never stops and this will lead to more stress and strain. Pause for a moment and put his health as a priority even if it means taking a break from school for a while. The sooner his emotions find a useful path, he will shine in what he is meant to...Take a deep breath...you are doing a great job!

All the best!
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Money
Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.
Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 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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