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Help! My 17-Year-Old Son Is Obsessed With BeerBiceps's Show

Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 14, 2025

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 13, 2025Hindi
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Relationship

My son is a huge fan of Ranveer Allahbadia also known as Beer Biceps. Although he came across as one of those dumb so called influencers, some of his content on religion and politics have also been interesting. I recently came to know that my son has watched this show called India's got Latent and now he is clearly defending the guy and the entire team. My son is 17, uses a shared smartphone and accesses internet on WiFi. I don't know if he even understands what he is watching and how it can shape opinions. His father wants me to keep a watch on his internet usage, which I am not too sure of. In a few months, he will be 18. How do you think I can talk to him and help him understand that social media to be taken with a pinch of salt?

Ans: Dear Anonymous,
Social media influencers can be more responsible in what they share BUT well, whatever makes their channels famous, that is what it is!
It is almost impossible to keep teens away from this sort of content. It's everywhere...how many leaking pipes are you going to clean up? The best way is to work the other way around; work on giving your children a strong value system at home that is non-negotiable and unshakeable. Somehow after all the distractions, they end up coming back to what the family strongly holds onto. It can be unnerving seeing them go all over, but stay strong and somehow trust that what you have put out there for them as a safety net of values somehow shines in bringing them right back on track. So, trust yourself first!

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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Asked by Anonymous - Nov 06, 2023Hindi
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sir , i am 46 yrs with 16yrs of marriage and leading a normal life. I have 2 sons . My elder son is 15yrs (DOB 19/3/08). He is preparing for JEE mains and due to this he attends some additional digital classes apart from college.My problem is recently my son was caught watching porn videos . And when we doubt or tell him to avoid by telling the pros and cons of it ,he gets aggressive. At the ending of his 10th std, he was caught for the first time, but he said it just opened (porn link) by mistake.He was one of the topper in his school for 10th.He is good at academics. He does not have a personal mobile. Now in 11th std,only for online classes he has access to net. But this time i think he has got addicted.How to handle this addiction? And since last 1/2 month he is eating less, sleeping well. I know this is a natural feeling at this age , but he is watching perverted porn sites involving porn games.Please advise.
Ans: Dear Anonymous,
As much as this seems normal for his age, a bit of experimentation can also lead to addiction. When this has begun to affect focus and concentration, it requires a bit of Intervention.
Kindly approach an Adolescent Counsellor/Psychologist in your city who can assess the situation and do something beyond talk and advising.
What will work is a combination of talk and certain exercises that will cause a break in this habit and instil a better form of channeling outwards and inward.
So, do not hesitate to take that help and guidance. You will thank yourself for it.

All the best!

..Read more

Kanchan

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Relationships Expert, Mind Coach - Answered on Feb 21, 2025

Asked by Anonymous - Feb 13, 2025Hindi
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My son is a huge fan of podcaster Ranveer Allahbadia. Initially, he came across as one of those dumb so called influencers, but some of his content on religion and politics have also been interesting. I recently came to know that my son has watched this controversial show called India's got Latent and now he is clearly defending the guy and the entire team. My son is 17, uses a shared smartphone and accesses internet on WiFi. I don't know if he even understands what he is watching and how it can shape opinions. His father wants me to keep a watch on his internet usage, which I am not too sure of. In a few months, he will be 18. How do you think I can talk to him and help him understand that social media to be taken with a pinch of salt?
Ans: At 17, he’s at an age where he’s forming his own opinions, and if you try to restrict or overly monitor him, he may just push back harder. The best approach is to have an open, respectful conversation with him rather than making it seem like you’re trying to police him.

Start by acknowledging his interests instead of dismissing them outright. You could ask him what he likes about Ranveer Allahbadia or India’s Got Latent—not in a confrontational way, but out of genuine curiosity. If he feels heard, he’s more likely to listen to your perspective as well.

Once he opens up, steer the conversation toward critical thinking. Talk to him about how media, especially social media, has biases. Encourage him to question what he watches, look at different perspectives, and fact-check before forming strong opinions. Instead of outright saying something is wrong or misleading, help him analyze things logically. You could even watch an episode with him and then discuss what parts made sense and what seemed exaggerated or one-sided.

Since he’s about to turn 18, it’s important to equip him with the ability to think for himself rather than simply filtering his content now. If he sees that you trust him to make informed decisions, he will be more open to discussions with you in the future. Instead of monitoring his internet usage, focus on fostering a mindset where he self-monitors what he consumes.

..Read more

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Dear sir/madam I have some ten lakh in NRI FD for 7% interest, if I keep 50%in mutual fund can I use the amount any of emergency as well as which mutual fund suggest for me
Ans: Dear Sir/Madam,

If you are planning to move 50% of your ?10 lakh NRI Fixed Deposit into mutual fund options, please note that you can definitely access the money during emergencies, provided you select the correct categories designed for high liquidity and low risk.

1. Can Mutual Fund Money Be Used During Emergencies?

Yes — if you invest in the right categories.

Categories suitable for emergency access:

? Liquid Funds
? Money Market Funds
? Ultra Short Duration Funds

These categories generally offer T+0 to T+1 liquidity (same day or next working day), have no lock-in period, and maintain low risk compared to equity-oriented investments.

2. Recommended Allocation (NRI – Balanced & Safe Plan)

Since you already have ?10 lakh in a fixed deposit, retaining ?5 lakh there provides stability and assured interest. The remaining ?5 lakh can be allocated to mutual fund categories that offer both liquidity and growth potential. By placing a portion in liquid or money market categories, you ensure instant access for emergencies, while the rest can be allocated to a moderate-risk hybrid category to give you long-term growth without compromising safety. This balanced approach helps you maintain emergency readiness, reduce risk, and potentially earn better returns than keeping the full amount in FD.

3. Option A: If You Want Emergency Access + Low Risk

(For the 50% amount you wish to shift)

Consider investing in categories such as:

Liquid Fund category

Money Market Fund category

Ultra Short Duration Fund category

These categories are suitable for short-term parking, emergency funds, and low-volatility needs.

4. Option B: If You Want Some Growth Along With Safety

From the ?5 lakh planned for mutual fund investment:

?3 lakh can be placed in liquid or money market categories for emergency and safety

?2 lakh may be placed in a Hybrid/Balanced Advantage category for steady growth with controlled risk

5. Tax Notes for NRIs

Debt-oriented categories: Taxed at 20% with indexation after 3 years

Equity-oriented categories: 10% LTCG above ?1 lakh

Some AMCs deduct TDS for NRIs depending on NRE/NRO mode and investment type
Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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Reetika Sharma  |360 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Asked by Anonymous - Nov 07, 2025Hindi
Money
Sir, I am 39 years PSU employee with monthly net salary of 1.10 lacs. I have a son of 9 years and daughter of 1 year. I am investing in MF through SIPs and lumpsump for last 7 years and my present MF portfolio is 50 lacs with XIRR of almost 18%. Presently I do SIP of 30000 per month. I also have housing loan and my EMI is 42000. I am provided accomodation and medical facilities from my employer. I also have accumulated 18 lacs in PF and Rs. 28 lacs in NPS. I have Term plan of 1.5 crs. I also have liquid funds of 10 lacs in FD for emergency purpose and approx 7 lacs in PPF. Since my child's major education expenses is still 7 to 8 years far for my son and 15 years for my daughter, I will continue my SIP of atleast for next 8 to 10 years without breaking my existing portfolio. Can I generate a corpus of more than 7 crs till my retirement with above funds and will it be sufficient to meet the inflation after 20 years.
Ans: Hi,

You have done and accumulated quite good at your age in different instruments with varied returns. Let us have a detailed look.

1. Emergency Fund - 10 lakhs in FD - good to go.
2. Term Plan - 1.5 crores - good to go.
3. Health Insurance - provided by employer. However, can take a separate personal insurance for yourself and family.
4. PF - 18 lakhs (continue)
5. NPS - 28 lakhs (continue)
6. PPF - 7 lakhs (can stop continuing, invest only bare minimum to keep account active. Close account upon maturity and reallocate these funds in mutual funds)
7. MF Portfolio - 50 lakhs with 30k monthly SIP
8. Home Loan EMI - 42000

Goals:
- Son's education - after 8 years
- Daughter's education - after 15 years
- Retirement - need 7 crores

You are very much on the right track. Your current financials look strong in terms of fulfiling your financial goals.

> Your current MF portfolio can be bifurcated into 2 parts
i. 40 lakhs for your retirement. This amount along with other amount from PF and NPS will finance your retirement forever (inflation adjusted). Additionally you wil lleave behind a great fortune for your kids.
ii. 10 lakhs for your kid's education. Continue your existing SIP of 30k per month and also contribute 7 lakhs from PPF account on its maturity towards this goal. For son, you will have 75 lakhs only from this investment and your daughter's education will have 1.5 crores when she requires.

This way your existing investments can take care of all your goals. Also, do increase your contibution in SIP yearly. It will help in generating a higher corpus for your family.

As your overall investments are more thann 10 lakhs in MFs, it is wise for you to connect with a professional who will assist you and make a dedicated investment plan as per your goals.
Hence, do consult a professional Certified Financial Planner - a CFP who will guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |360 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Money
My current age is 41 Years old and private employe in I.T sector. I have five kids of 11,8,7,5 &2 years. My elder daughter is in 7th class now. I have monthly Net salary of 1 lakhs after taxes. I am saving 20/30 thousand monthly. My assets are as follows:- I have one house worth Rs.15 lakhs, Two commercial shops worth Rs, 50 L. Having no loan in the market. Insurance Rs. 50 L term plan for me. Yearly I pay 40k. Health insurance 11 lakh for my entire family from my organisation.Yearly I pay 20k. I maintain an emergency fund 1.5 lac liquid on hand. Would like to make a total fund og 5 Cr by 2035. I have a requirement during higher education for childerns/marriage/Business for my son's and retirement at my age of 51 yrs after 10 years. How to grow my income. I would like to focus on high-growth investment to achieve my goal. But I am planning to invest monthly from my salary. More ever I may get 4lack in next month. Now the thing is how to go about 4lack. Where to invest Am confused what to do. Kindly advise further for more wealth creation. Steady plan. Wealth builds slowly but surely. Can someone help design a withdrawal/Saving strategy to meet your income needs and achieve goal. I would like comfortable retirement with a steady income. Thanks....
Ans: Hi Syed,

Let us have a detailed look below:
- Your monthly income - 1 lakhs, expenses - around 75k , and money for saving - approx. 25k per month.
- Emergency fund - 1.5 lakhs . Would suggest you to make a FD of this fund as emergency fund.
- Term and Health insurance - covered. But sum assured is less for your family. It should be increased.
- One house - 15 lakhs; 2 commercial shops - 50 lakhs.

Requirements:
- Need 5 crores by 2035 i.e. in 10 years
- Need fund for higher education and marriage of 5 children
- Retirement corpus required after 10 years

To achieve all these goals, you need to invest starting right now in aggressive mutual funds with 25-30k left with you. And you can increase your investment with the increase in your income.
Realistically, retirement after 10 years is not possible, but you can try and upgrade your skills to earn more and invest more.

You are also getting 4 lakhs next month. Invest entire amount in aggressive mutual funds. Mutual funds will give you an annual return of 14-15% very easily. This is the best way to build wealth for the goals that you mentioned.
>> Make sure to stay away from LIC policies and ULIPs and other plans which lock your money.

As you are not much aware about mutual funds and investment, you should work with a professional who will draft a plan for you.

Hence, please consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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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