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Anu

Anu Krishna  |1563 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 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
Shubham Question by Shubham on Apr 05, 2023Hindi
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Hello Anu - we have a 5 year old son and he's getting out of our control these days and we don't know how to handle him. His actions and tantrums are mischievous and hurtful at the same time. Earlier he used to get scared from his mother but she's also losing control over him these days. If we scream or shout, he repeats the same things that kind of irritates us more. If we try to be reasonable with him, it's of no use - he takes us for granted. If we tell him about repercussions on his actions like a timeout or no tv time or no play time, he does not listen and at the end we give him to his crying. He also becomes uncontrollably violent at times - though he thinks it's a game, but in reality his actions literally hurt us. I know partially I am to blame as when he was younger, these violent games looked fun but now that he's older and stronger, they are not fun anymore to me or anyone in our house. I've tried to explain him, but at the end he is just 5 years old! Every morning to night it's a mountaineous challenge for us. My wife and I talk after he sleeps, decide what to do or not do from the next dat but bam! it's just the same routine every single day. Moreover my wife is pregnant with our second child so I fear this might have a bad effect on our 2nd baby as my wife remains stressed out. I know this could be every parent - but then if it happens that often, is there a solution? Can you help us?

Ans: Dear Shubham,
How is it possible for a 5-year old to understand logic when he is throwing an emotional fit (tantrum)?
Like you said it yourself; when it could have been stopped and changed, it wasn't done. He probably felt that it was fine to behave 'violently' (though I don't understand the context in which you use this word).
Now. all of a sudden when you and your wife are trying to stop him, he is pulling away as this behaviour was rewarded earlier. he has your earlier silence as your love and affection for which which he fears will be withdrawn now if he stops his behaviour.
So, logic isn't going to work; it doesn't work with adults, and here the child is merely 5 years.
So undoing what was done is going to take a lot of effort and patience (beyond all the talk that you and yoir wife are doing).
Start by:
- ignoring his tantrums; he will time-out himself in exhaustion
- talking to him at his eye level; get down on your knees, so he doesn't feel intimidated by your height
- hugging him a lot; a caring touch is worth a thousand words
- telling him how excited you both were when he was born; this can ensure that he will be special even after the arrival of the new baby
- distracting him with creative things; story telling and fine motor skill games improve focus and concentration
- cutting down on foods filled with sugar; sugar boost is artificial and can make a child or anyone go a little anxious
- ensuring him that he is loved a lot; saying it aloud while hugging him will soften his behaviour over time

Try these and I hope they work. If not, kindly without delay seek an appointment with a professional who can deal with children at your son's age.

All the best!

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Pooja

Pooja Khera  |21 Answers  |Ask -

Life, Relationship Coach - Answered on Jan 16, 2023

Asked by Anonymous - Jan 13, 2023Hindi
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Dear Pooja, my husband and I share a very friendly relationship. When we have disagreements, we often tend to forget that our child is around. In the past few months, we have been arguing a lot and this seems to have taken a hit on our son. He is behaving strangely at school. He has got into trouble with other kids in his class and is often caught scribbling at his desk. He gets angry and throws tantrums in public. When we tried talking to him, he seemed normal but he did mention to the counsellor that even my mom and dad fight when they are angry. Since then we have mellowed down a bit. But how do we address this to our child?
Ans: Hi there! As adults, our arguments in a marriage or relationship are inevitable. But with kids around, we need to be more cognisant of the fact that kids get influenced very quickly. Since their emotional spectrums are being developed when they experience arguments or fights, they begin to believe that is normal , but since they are unable to process the frustration that arises , they tend to take it out in their own behaviour with their peers and in their social settings. The best way to address this with the child is through a counsellor or a therapist. As parents who are arguing or fighting, you are the trigger or their anger and instability and the trust factor or the feeling of you being the safe space for them has been compromised. Have your child consult a professional coach or counsellor who will ensure the child gets a safe space to express and will help re build the bridge between you and your child with their expertise of handling the child's psychology and helping your son process his feelings.

..Read more

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Asked by Anonymous - Mar 21, 2025Hindi
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I (30M) recently got engaged to my Fiancee (27F) & shared the Photos of our Engagement on Instagram, wherein they were noticed by an old friend of mine. He recognised my Fiancee & told me some things about her, which startled me. When she was in the Final Year of Engineering, she got an Internship Opportunity in a Reputed MNC, where my Friend was also working. At her Office, most of the Employees & Interns were Male & she was one of the very few Females. Her Manager was a Middle Aged Divorcee. He had offered her a Permanent Job at the Company, after her Internship, in exchange for Sexual Intimacy. Apparently, she had given in & everyone at her Office was aware of the Affair between her & her Boss. Initially, I assumed this to be a Rumour, but still wanted to clarify this with her, even though, I had no Proof except his word of mouth. When I Questioned her, she admitted that, it was indeed the Truth that she had slept with her Boss for her Career Growth. But she also tried to Justify herself, saying that she was a Young & Naive Fresher at that time & the Offer seemed quite Tempting as her Family was going through Financial Difficulties at that point of time. But she also went on to add her narrative that the Affair lasted for just 2 years. During that time, she also used to suffer from Sexual Harassment from other Male Colleagues, as they had assumed that she was an 'Easily Available' kind of Girl who'd sleep with anyone & she had a Hard time, resisting their Sexual Advances. Apparently, my Old Friend was also among those who were trying to Bed her. But she quit working at that Company, as soon as, she got a better offer in another Company, without having to make any Sexual Compromise & since then she'd been working hard for her Career Growth & had never done anything Immoral or Unethical again. Hearing all these things about my Fiancee & my Old Friend, disturbed me greatly. But my Fiancee didn't seem to have any Regrets as she believes that all of it was her Past, which happened more than 5 years ago & it doesn't affect her Present or our Future, in any way. She also reassured me that she would be a Loyal Wife to me after Marriage & would never Sleep with anyone else, under any circumstances. Now I am in Dilemma, whether I should Trust my Fiancee & take a Huge Leap of Faith, by going ahead with the Marriage, as planned, or should I call off the Wedding & try to find some other Woman with a Decent Character? Please advise me.
Ans: 1. Should you trust her as a person - going by what she has said, you should as she has been honest and shared everything with you

2. And if she says she does not have any regrets, more power to her - how will having regrets and feeling guilty justify.

3. We all make mistakes and she did what she did as she was 'single' she did not cheat anyone

4. As for you wanting to marry her or not is your decision...remember you both need to invest in the relationship daily and cannot/should not bring up the past even in disagreements - this is important for you to understand.

All the best in whatever decision you make.

...Read more

Ravi

Ravi Mittal  |551 Answers  |Ask -

Dating, Relationships Expert - Answered on Mar 21, 2025

Asked by Anonymous - Mar 17, 2025Hindi
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Relationship
I am 28 and now my parents are constantly poking me for marriage. It's not like I don't want to get married. I want to but a part of me is also scared. It's not just a new thing for me, being an introvert and a nerd, I never had that much interaction with females in school and college and having worked from home for 5 years now, I barely interacted with anybody from the office either. So I am an extreme noob when it comes to flirting or mixing with girls. My point is, I don't smoke and drink and I would expect the same from my partner. I see my friends smoking, drinking to their fullest and passing out, their male friends holding them by the waist and shoulders and helping them walk, they are staying back at their male best friend's house or going back home late at 2 o'clock in the night... I don't know if that's right or wrong but I am not used to such life. So I would hope my partner stays out of these things. But I don't have a single person in my friend circle who doesn't smoke and drink. So it makes me wonder if at all there are women who refrain from these addictions! What if she turns out to be a gold digger? What if she marries me and after a year, slams fake cases on me and my family and demands a heavy alimony? I would be shattered. I know women have fears too - what if the man turns out to be violent and thrashes her up! We men also have the same fears. Arranged marriage is scary and is a game of luck. Not that love marriage is any better; even though you think you know the other person inside out, the cat comes out of the box only after marriage. I am confused. Can you guide me.
Ans: Dear Anonymous,
I understand where your concerns stem from; and just like you said, women have equal concerns, if not more. But look at all the marriages around you- are they all bad? I would say focus on the good things. And about smoking and drinking- people have their own preferences. Some like it and some don't. I am sure there are many women who are dead against any form of addiction and they can be a good match for you. Having said it all, I would also like to say that you should not get married till you are mentally prepared for it. If it scares you so much right now, it would not be the right decision to get involved with someone and end up projecting your fears on them and doubting them for no reason. Take your time and observe other relationships- see the happy side of it and try to gauge if you want that. I would also say that love marriage might work better for you, because it will have slightly less "surprise element" to it.
But again, do not rush. Let it happen organically. You are only 28.
Hope this helps

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Ramalingam

Ramalingam Kalirajan  |8125 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 21, 2025

Asked by Anonymous - Mar 21, 2025Hindi
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Dear Sir, If I invest in NPS tier 2, do I need to pay tax for the entire amount or just for the interest? Do I need to pay interest every year or at the time of the withdrawal? Please help me how the tax would be calculated. Also suggest if I need to consider any other investment instead of NPS tier 2. Thanks and Regards, Srikanth
Ans: NPS Tier 2 is a flexible investment option. However, it does not have tax benefits like Tier 1. The tax treatment of your investment depends on when and how you withdraw.

Tax on Principal vs. Interest

You do not pay tax on the invested amount.
The entire withdrawal amount, including gains, is taxable as per your income tax slab.
Tax at the Time of Withdrawal

The withdrawal amount is added to your annual income.
You will be taxed as per your income tax slab in that financial year.
Taxation Frequency

There is no annual tax on the interest.
Tax is applicable only at the time of withdrawal.
Limitations of NPS Tier 2
No Tax Benefits

Unlike Tier 1, there are no deductions under Section 80C.
Market-Linked Returns with No Exit Benefits

NPS Tier 2 investments are linked to the market.
However, they do not get the same tax advantages as mutual funds.
Liquidity and Lock-in

There is no mandatory lock-in for regular investors.
For government employees, there is a 3-year lock-in.
Not an Ideal Wealth Creation Tool

Returns are uncertain.
Mutual funds provide better long-term tax efficiency.
Better Alternatives to NPS Tier 2
If your goal is wealth creation, consider these options:

Equity Mutual Funds
They offer long-term wealth growth.
Actively managed funds aim for better returns than passive funds.
Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Debt Mutual Funds
Suitable for stability with moderate returns.
Gains are taxed as per your income tax slab.
More flexible than NPS Tier 2.
Gold ETF
Good for diversification.
Easy to buy and sell.
Gains are taxed as per your income tax slab.
PPF (Public Provident Fund)
A safe, long-term option.
Completely tax-free returns.
Limited liquidity.
Final Insights
NPS Tier 2 does not provide tax benefits.
The entire withdrawal amount is taxable.
Mutual funds offer better tax efficiency and flexibility.
Equity funds can create wealth over 10-15 years.
Debt funds offer stability with better liquidity.
Consider gold ETF and PPF for diversification.
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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