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Dr Deepa

Dr Deepa Suvarna  |154 Answers  |Ask -

Paediatrician - Answered on Sep 26, 2023

Dr Deepa Suvarna is a practising paediatrician with 25 years of experience. She completed her MD in paediatrics from the TN Medical College and BYL Nair Hospital, MBBS from the King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College and diploma in child health from the College of Physicians and Surgeons.... more
Asked by Anonymous - Sep 25, 2023Hindi
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Hello dr. My son is 2.9 year old and till now he doesn't speak a word but does the babbling sounds like Mama baba etc. and he only listens to his parents only. He os not listening to his teachers. We have conducted the BERA test also but the reports were normal as he is not having any hearing problem. Please advise me what to do as he has been expelled from his Playschool and the school staff is saying that my son is not able to hear properly and i told them that we have done BERA test but the school authorities are saying that you have to conduct more tests and from a single test we cannot identify his problem. So can you please specify what to do?

Ans: If he has been exposed to a lot of screen time then that is known to delay speech. He needs a proper evaluation with an audiologist for any hearing defect. After that, speech therapy has to be started. Obviously, no screen time at all hence forth
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 23, 2023

Asked by Anonymous - Feb 22, 2023Hindi
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Hi My son is 9 years old and since last 6 months we have seen he is not listening to us and same is happening in school and his tuition also he is not restless but he tries to ignore what we say or teacher says which is also impacting his studies and he is not able to concentrate what could be done to regain his listening power
Ans: I understand that this situation is causing you a lot of distress. It's not uncommon for family members to be involved in a newlywed couple's life, but it's important to set healthy boundaries and communicate openly with each other about what is acceptable and what is not.

It's possible that your wife's sisters may not be aware of the impact of their behavior on your marriage, or they may not realize the boundaries they are crossing. Have you tried discussing your concerns with your wife and her sisters in a calm and respectful manner? It's important to express your feelings and set clear boundaries on how much interference you are comfortable with.

In addition, it's important to have an open and honest conversation with your wife about how her family's behavior is affecting your marriage. It may be helpful to seek the assistance of a professional counselor to facilitate this conversation and provide guidance on how to set boundaries and communicate effectively.

It's also important to remember that change takes time and patience. It's possible that your wife may need time to adjust and understand the impact of her family's behavior on your marriage. With open communication and a willingness to work together, you can find a way to navigate this challenging situation and build a stronger, healthier relationship.

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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1145 Answers  |Ask -

General Physician - Answered on May 23, 2023

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My grand son is 21 yr old reading in national law university. when he was 11 year old suddenly he suffer bilateral; hearing loss. In left year severe to profound and in right year severe. At that time he was given hypobaric therapy at Ahmedabad and hearing aid just after we notice his problem, Some how he was managing his life and study. By birth his testes (one) was inside her stomach. At the age of 11 years (3 months before he developed loss) he was operated but Doctor say it is non functional. On 29th April this year he suddenly stopped hearing from machines , and we tried many machine but no response Now he is prescribed 5 steroids' injection each with 5 days gap directly in ear and vitamin B16 . One tab Montelukast+ Allegra and nasal spray. He is also taking hyperbaric. therapy. He has thyroid value for T3,T4,THS is normal range but TOP is very large 1000. He also have unusual growth of bones. So far it appears that. from treatment there no apparent progress in right ear which was better earlier . He also suffer little cold like problem just before he lost hearing. His left ear is same as earlier giving some response. Please guide what remedy we should follow so that he regain his hearing. Rajendra Prasad Tripathi
Ans: Hearing is one of the senses. It looks to me your grand son must be having sensorineural loss. Hearing aid may not help.
But there are many ways he could adapt a lifestyle using the other senses.
Physically working with his balance and coordination will help to achieve a different quality to his sense of listening

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Ramalingam

Ramalingam Kalirajan  |8333 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 12, 2025

Money
i wish to purchase new car i10, should i purchase the same through own money or should i take a vehicle loan from bank and the money own by my to be kept as FDR or liquid mutual fund
Ans: It’s a good sign that you’re thinking before buying a car. You’re not rushing into it. That shows maturity and smart thinking.

We will now evaluate own money vs vehicle loan — from every angle.

 

Understanding the Nature of a Car Purchase
A car is not an investment.

 

It is a consumption asset, not a growth asset.

 

It depreciates every year. Its value goes down, not up.

 

So the cheaper the total cost, the better for your wealth.

 

Option 1: Use Own Money Fully
Pros

No interest cost. You save on total expenses.

 

You are free from monthly EMI pressure.

 

Car becomes fully yours from day one.

 

No need to deal with bank, forms, hypothecation etc.

 

Cons

Your liquid money reduces.

 

You may not have enough cash for emergencies.

 

Opportunity loss if you had invested that money.

 

Option 2: Take Vehicle Loan & Keep Own Money in FDR or Liquid Mutual Fund
Let’s evaluate this with care.

Vehicle Loan Pros

You can preserve your savings for emergencies.

 

EMI can be budgeted monthly, if income is stable.

 

Some banks offer competitive interest rates.

 

Vehicle Loan Cons

You will pay interest on a depreciating item.

 

Loan adds to your monthly obligations.

 

You must pay insurance, EMI, fuel, and service together.

 

FDR and Liquid Mutual Funds give lower returns than loan cost.

 

So you will likely lose more in interest than you gain.

 

Let's Compare: Interest Rate vs Investment Return
Vehicle loan interest is usually 9% to 11% per year.

 

FDR gives around 6% to 7% before tax.

 

Liquid mutual funds give 6% to 7.5% on average.

 

So you pay more to the bank than you earn from investment.

 

Tax on interest or gains reduces actual return further.

 

This means taking a car loan and investing your own money leads to net loss.

 

Best Option for You: Smart Compromise Approach
Let me share a wise solution.

 

Don’t use full own money. Don’t take full loan either.

 

Instead, pay 70–80% from own funds.

 

Take a small car loan for the remaining 20–30% only.

 

This keeps EMI low and retains some liquidity.

 

You reduce interest cost and also keep Rs.50,000–Rs.1 lakh aside.

 

Park that in liquid fund for any urgent need.

 

Repay this small loan fast in 1–2 years.

 

Only Take a Car Loan If:
Your job income is stable.

 

You already have 3–6 months emergency fund ready.

 

You don’t have big loans running now.

 

You can pay EMI without affecting savings.

 

You commit to close the loan early.

 

Avoid This Mistake:
Never buy a more expensive car because loan makes it “feel affordable.”

 

Loan should not expand your car budget.

 

Whether you buy with loan or cash, pick a simple car within limits.

 

i10 is a wise, middle-ground choice. Good thought.

 

Tax Angle (If Business Use)
If you are using the car for business, vehicle loan interest may be tax-deductible.

 

But for personal use, there is no tax benefit.

 

So do not take loan just for imagined tax saving.

 

Final Insights
A car is a need, not an investment.

 

Using your own money fully keeps things simple and cheap.

 

Taking a full car loan and investing the money gives net negative return.

 

Best option is a split approach — pay major part from own funds.

 

Take small loan only if needed and close it early.

 

Always keep emergency money aside before buying.

 

Avoid emotional buying or overbudget cars.

 

Your financially balanced approach is very appreciable.

 

Best Regards,
 
K. Ramalingam, MBA, CFP,
 
Chief Financial Planner,
 
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Anu

Anu Krishna  |1600 Answers  |Ask -

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