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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 01, 2023

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
Asked by Anonymous - May 24, 2023Hindi
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Relationship

Dear Sir. We have a 9 year old daughter and we have enrolled her in spiritual learning class (1 hour every week), singing Carnatic music (1 hours every week), Bharat Natyam Dance class (2 hours every week). We are both working and we make it a point to spent quality time with her during weekends. My daughter is actively interested in these extra curricular activities. We have a society compound where children play and mainly they are boys. My daughter is not comfortable playing with them as they are much elder to her and at times dominate her. She has only 1 friend (girl) in her age group and mostly plays with her indoor. We discourage our daughter from playing alone outside as nowadays we hear a lot about girl child rapes, girl child molestation in the social media/news etc. This has led my daughter to spend more time with mobiles/laptops watching videos as she does not have many options to play. We shout at her often to spend less screen time but we then feel guilty as she has less options to play. She does have indoor games but gets bored very easily playing with them. We are worried that this may lead to lower self esteem as she spends more time indoors rather than outdoor. Please advise.

Ans: I understand your concerns about your daughter's limited options for outdoor play and her increased screen time. It's important to find a balance between keeping her safe and allowing her to engage in physical activities and social interactions. Here are a few suggestions that may help:

Encourage supervised playdates: Try organizing playdates with her friend or other children in her age group, either at your home or in a safe environment. This will give her an opportunity to interact with peers and engage in outdoor activities.

Explore extracurricular activities: Apart from her current classes, consider enrolling her in other activities that align with her interests. This could include sports, art classes, or any other activities available in your area that would allow her to interact with children of her age.

Get involved in community events: Look for community events or programs that involve children, such as sports tournaments, cultural festivals, or workshops. These events often provide a safe environment for children to interact and engage in various activities.

Discuss her concerns and teach self-defense: Have an open conversation with your daughter about her discomfort in playing with older boys. Teach her about personal boundaries and self-defense techniques so that she feels more empowered and confident while playing outside.

Consider joining parent-child groups: Look for parent-child groups or organizations in your community where you can participate together. These groups often organize outdoor activities for children and provide an opportunity for parents to connect and plan playdates.

Monitor screen time and suggest alternatives: While it's understandable that she may enjoy using mobiles and laptops, it's important to limit her screen time. Set specific time limits for screen usage and encourage her to engage in alternative activities, such as reading books, solving puzzles, drawing, or playing board games.

Create a safe outdoor space: If possible, create a safe outdoor space within your compound where she can play under your supervision. You could set up a play area with age-appropriate equipment and encourage her to spend time there.

Remember, it's essential to strike a balance between safety and allowing your daughter to explore and engage in outdoor activities. By providing her with options, encouraging social interactions, and monitoring screen time, you can help her develop self-esteem and a healthy lifestyle.

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My boyfriend tells about us to his parents his parents rejected our relationship due to intercaste and they also stop talking to him it's been 4 months his mother don't talk to him .He is in navy . And they also started searching girl for him . He want to maintain distance from me he is not happy he is stressed as his own parents are not talking to him And also maintaining distance to me he talks to me me but just because I can't live without him but he changes in behaviour what to do
Ans: Dear Shruti,

I am sorry that you are in this situation. First of all, please try to look at it from your partner's perspective. It isn't easy to confront your parents and it's even harder when they stop communicating altogether. Having said that, I also understand how it is for you. It is not fair, especially in today's day and age, to face discrimination based on caste.

You have two options:
One, you wait patiently, emotionally support your boyfriend, and hope that his parents come to their senses and realize that we are living in 2024, and caste-based discrimination is ridiculous. In this scenario, you do have to let go of your self-respect and have to face many more hardships, that much is guaranteed.

The second option is you hold your head high and move on. Yes, it isn't what you hoped for when you emotionally invested in building this relationship, but unfortunately, these things are still happening. In this scenario, you will be sad for a long time, but you don't have to compromise on your self-respect and you will move on and live to see happier days with someone who respects you and sees you for who you are and not your caste.

Now, the choice is yours.

Best Wishes!
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Ramalingam Kalirajan  |606 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

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Hi sir, i have total 10k for investment of which I'm currently investing 7000rs in icici prudential nifty 50 index fund for 15-20 years, and ready to put 2000 rs for investment.My goals is to earn a cagr of more than 15 percent with 10 k for 15-20 years with little risk. Also suggest some term insurance without good claim settlement ratio and coverage upto 1cr
Ans: Hello,

Given your investment amount and goals, here are some suggestions:

Investment Strategy:

Additional SIP:
Invest the additional ?2,000 in a diversified equity mutual fund to balance your portfolio.
Choose a fund with a track record of consistent performance and a lower expense ratio.
Goal of 15% CAGR:
While aiming for a CAGR of 15% is ambitious, it's crucial to understand that higher returns generally come with higher risks.
Opt for a combination of equity and debt funds to balance risk and return.
Consider small-cap or mid-cap funds for higher growth potential, but be prepared for increased volatility.
Term Insurance:

Coverage of ?1 Crore:
You can consider term insurance plans from reputable insurers that offer coverage up to ?1 crore.
Compare premium rates, features, and claim settlement ratios before choosing a plan.
Claim Settlement Ratio:
Look for insurers with a high claim settlement ratio, indicating their reliability in settling claims.
Avoid insurers with a history of low claim settlement ratios or negative reviews.
Remember, while aiming for higher returns, it's essential to assess your risk tolerance and invest accordingly. Diversify your investments across asset classes and regularly review your portfolio to ensure it aligns with your financial goals and risk profile.

Consult a Certified Financial Planner for personalized advice tailored to your needs and financial situation.
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