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Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

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 - Jul 13, 2024Hindi
Relationship

Asked on - Jul 03, 2024 Hi Dear Sir /Mam one of my close friend he is 32 years old now married 6 years ago in 2018. he is in govt job and wife is MA, they have a son 5 years old. After around six months of marriage ,the problems started in relation in family, my friend tells her to respect and she listens to her parents only and her parents tell her to come to parental house at every time when a bit of misunderstanding happens in his family,& she leaves this continues and she lived there for six months then my friends father went to her parents house and advise her that's it's not good way your house is in low's house now daughter. And then she understands and came back with his father then after sometime, she again started querreling and threatened his mom that she will sucide and closed the doors ,later nothing happens and next night while chatting with my friends she threatens him while he was on his duty , that she will eat all pills together and will sucide..my friends got feared , then nothing happens later his father took her to his hoke next day . Them again she lived ther for 6 months around then his father again went and have a talk in between some elders and made her understand..then she again said sorry and came back to in law's house... Then after some days my friend take her with him to his duty place to keep her with himself , so that things can better but after few weeks there also she started doing same things and not caring the child and not making food , and telling husband that ,now I willl tell take revenge how u left me for six months at my home like that she fights with him there. He make her understand that's nobody is here let's live peacefully but said I know your parents are daily filling your ears, why do u talk to them ? talk to me only and give me your ATM I will go for shopping.. now I will do what I want ,I can't make food ,take me to restaurant etc ..she speaks loudly in colony ,my friend request her to not do this she then do more and abuse him and his family.. like wise things gone worse she threatens that 8 can make your family ruin ,I will confiscate your brother in rape case , nothing u can't do my friend gets very scared .. one day my friend went for duty then she calls him and tell him that I am throwing this child (Son) from roof now and cut the call ,my friend started crying there ,after all of that my friend shown some courage and file police complaint Then any how she went to parental home from around 2 years back she is there and living there ,now my friend says he doesn't want to live with her because he suffers the bad time with her & suffered from Disrespectful behaviour etc but he wants his son from her but now she says she will live with him but make a seperate house and leave your parents .. Now what can be done in this situation now how my friend can get seperate from her and get his son back ?

Ans: Navigating such a challenging situation requires a thoughtful and measured approach. Here’s a step-by-step plan that might help your friend:

1. Legal Consultation
Seek Legal Advice: Your friend should consult a family law attorney who specializes in such cases. The lawyer can provide detailed information on the legal process for separation or divorce and help in understanding the custody laws.
Document Everything: Encourage your friend to keep a detailed record of all incidents, threats, and abusive behavior. This documentation can be crucial in court proceedings.
2. Mental Health and Safety
Assess Safety: Given the threats of suicide and harm to the child, it's important to prioritize safety. Your friend should consider reaching out to mental health professionals for guidance on how to handle these threats.
Support Systems: Suggest that your friend lean on trusted friends, family, or a support group for emotional support. This can help them manage stress and make more informed decisions.
3. Custody and Child Welfare
Child’s Best Interest: Courts generally prioritize the child's best interest in custody cases. Your friend should focus on demonstrating his ability to provide a stable and nurturing environment for his son.
Evidence of Care: Collect evidence that shows his active involvement in his son's life and his ability to care for him, such as school records, medical records, and testimonies from teachers or caregivers.
4. Mediation and Counseling
Consider Mediation: Sometimes, mediation can help both parties reach an agreement without going to court. A neutral mediator can facilitate discussions about custody and living arrangements.
Counseling: Professional counseling for both your friend and his wife might help in addressing underlying issues. Even if reconciliation is not possible, it can provide a more amicable path to separation.
5. Prepare for Separation
Financial Preparation: Your friend should ensure his finances are in order. Understanding his financial standing will help in negotiations and court proceedings.
Living Arrangements: If separation is imminent, he needs to plan where he will live and how he will maintain a stable environment for his son.
6. Legal Actions
File for Custody: If your friend decides to proceed with separation, he can file for custody of his son. The court will evaluate both parents' ability to provide a suitable environment.
Restraining Orders: If there are credible threats, a restraining order against his wife might be necessary to ensure safety.
7. Long-term Considerations
Parental Responsibilities: Emphasize the importance of both parents being involved in their child’s life, if it’s safe and feasible. Co-parenting arrangements can sometimes be worked out even in contentious situations.
Emotional Health: Ensure your friend takes care of his emotional well-being. This situation is highly stressful, and seeking professional help for his mental health is important.
In summary, your friend should act carefully and strategically, ensuring legal protection, emotional support, and prioritizing the well-being of his son. This approach will help him navigate the complexities of his situation more effectively.

You may like to see similar questions and answers below

Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jul 13, 2024Hindi
Listen
Relationship
Vikrant Asked on - Jul 03, 2024 Hi Dear Sir /Mam one of my close friend he is 32 years old now married 6 years ago in 2018. he is in govt job and wife is MA, they have a son 5 years old. After around six months of marriage ,the problems started in relation in family, my friend tells her to respect and she listens to her parents only and her parents tell her to come to parental house at every time when a bit of misunderstanding happens in his family,& she leaves this continues and she lived there for six months then my friends father went to her parents house and advise her that's it's not good way your house is in low's house now daughter. And then she understands and came back with his father then after sometime, she again started querreling and threatened his mom that she will sucide and closed the doors ,later nothing happens and next night while chatting with my friends she threatens him while he was on his duty , that she will eat all pills together and will sucide..my friends got feared , then nothing happens later his father took her to his hoke next day . Them again she lived ther for 6 months around then his father again went and have a talk in between some elders and made her understand..then she again said sorry and came back to in law's house... Then after some days my friend take her with him to his duty place to keep her with himself , so that things can better but after few weeks there also she started doing same things and not caring the child and not making food , and telling husband that ,now I willl tell take revenge how u left me for six months at my home like that she fights with him there. He make her understand that's nobody is here let's live peacefully but said I know your parents are daily filling your ears, why do u talk to them ? talk to me only and give me your ATM I will go for shopping.. now I will do what I want ,I can't make food ,take me to restaurant etc ..she speaks loudly in colony ,my friend request her to not do this she then do more and abuse him and his family.. like wise things gone worse she threatens that 8 can make your family ruin ,I will confiscate your brother in rape case , nothing u can't do my friend gets very scared .. one day my friend went for duty then she calls him and tell him that I am throwing this child (Son) from roof now and cut the call ,my friend started crying there ,after all of that my friend shown some courage and file police complaint Then any how she went to parental home from around 2 years back she is there and living there ,now my friend says he doesn't want to live with her because he suffers the bad time with her & suffered from Disrespectful behaviour etc but he wants his son from her but now she says she will live with him but make a seperate house and leave your parents .. Now what can be done in this situation now how my friend can get seperate from her and get his son back ?
Ans: already replied

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jul 13, 2024Hindi
Relationship
Vikrant Asked on - Jul 03, 2024 Hi Dear Sir /Mam one of my close friend he is 32 years old now married 6 years ago in 2018. he is in govt job and wife is MA, they have a son 5 years old. After around six months of marriage ,the problems started in relation in family, my friend tells her to respect and she listens to her parents only and her parents tell her to come to parental house at every time when a bit of misunderstanding happens in his family,& she leaves this continues and she lived there for six months then my friends father went to her parents house and advise her that's it's not good way your house is in low's house now daughter. And then she understands and came back with his father then after sometime, she again started querreling and threatened his mom that she will sucide and closed the doors ,later nothing happens and next night while chatting with my friends she threatens him while he was on his duty , that she will eat all pills together and will sucide..my friends got feared , then nothing happens later his father took her to his hoke next day . Them again she lived ther for 6 months around then his father again went and have a talk in between some elders and made her understand..then she again said sorry and came back to in law's house... Then after some days my friend take her with him to his duty place to keep her with himself , so that things can better but after few weeks there also she started doing same things and not caring the child and not making food , and telling husband that ,now I willl tell take revenge how u left me for six months at my home like that she fights with him there. He make her understand that's nobody is here let's live peacefully but said I know your parents are daily filling your ears, why do u talk to them ? talk to me only and give me your ATM I will go for shopping.. now I will do what I want ,I can't make food ,take me to restaurant etc ..she speaks loudly in colony ,my friend request her to not do this she then do more and abuse him and his family.. like wise things gone worse she threatens that 8 can make your family ruin ,I will confiscate your brother in rape case , nothing u can't do my friend gets very scared .. one day my friend went for duty then she calls him and tell him that I am throwing this child (Son) from roof now and cut the call ,my friend started crying there ,after all of that my friend shown some courage and file police complaint Then any how she went to parental home from around 2 years back she is there and living there ,now my friend says he doesn't want to live with her because he suffers the bad time with her & suffered from Disrespectful behaviour etc but he wants his son from her but now she says she will live with him but make a seperate house and leave your parents .. Now what can be done in this situation now how my friend can get seperate from her and get his son back ? Vikrant Asked on - Jul 03, 2024 Hi Dear Sir /Mam one of my close friend he is 32 years old now married 6 years ago in 2018. he is in govt job and wife is MA, they have a son 5 years old. After around six months of marriage ,the problems started in relation in family, my friend tells her to respect and she listens to her parents only and her parents tell her to come to parental house at every time when a bit of misunderstanding happens in his family,& she leaves this continues and she lived there for six months then my friends father went to her parents house and advise her that's it's not good way your house is in low's house now daughter. And then she understands and came back with his father then after sometime, she again started querreling and threatened his mom that she will sucide and closed the doors ,later nothing happens and next night while chatting with my friends she threatens him while he was on his duty , that she will eat all pills together and will sucide..my friends got feared , then nothing happens later his father took her to his hoke next day . Them again she lived ther for 6 months around then his father again went and have a talk in between some elders and made her understand..then she again said sorry and came back to in law's house... Then after some days my friend take her with him to his duty place to keep her with himself , so that things can better but after few weeks there also she started doing same things and not caring the child and not making food , and telling husband that ,now I willl tell take revenge how u left me for six months at my home like that she fights with him there. He make her understand that's nobody is here let's live peacefully but said I know your parents are daily filling your ears, why do u talk to them ? talk to me only and give me your ATM I will go for shopping.. now I will do what I want ,I can't make food ,take me to restaurant etc ..she speaks loudly in colony ,my friend request her to not do this she then do more and abuse him and his family.. like wise things gone worse she threatens that 8 can make your family ruin ,I will confiscate your brother in rape case , nothing u can't do my friend gets very scared .. one day my friend went for duty then she calls him and tell him that I am throwing this child (Son) from roof now and cut the call ,my friend started crying there ,after all of that my friend shown some courage and file police complaint Then any how she went to parental home from around 2 years back she is there and living there ,now my friend says he doesn't want to live with her because he suffers the bad time with her & suffered from Disrespectful behaviour etc but he wants his son from her but now she says she will live with him but make a seperate house and leave your parents .. Now what can be done in this situation now how my friend can get seperate from her and get his son back ?
Ans: Dear Vikrant,
It sounds like your friend is in a very challenging and emotionally taxing situation. The behavior described involves serious emotional manipulation and threats, which are deeply concerning and harmful. Here’s how he can approach the situation:

First, it’s important that your friend consults a legal professional who specializes in family law. Given the history of threats and manipulation, he needs to understand his rights and the legal steps he can take to protect himself and his son. A lawyer can provide guidance on how to proceed with a separation or divorce, and how to seek custody of his son.

Your friend should also document all instances of threats, abusive behavior, and any actions that put his son in danger. This documentation will be crucial for legal proceedings and for building a case for custody.

In parallel, he should consider seeking support from a mental health professional, both for himself and his son. This situation is undoubtedly stressful, and professional counseling can help him navigate his emotions and build resilience.

If possible, he should try to maintain a calm and measured approach when dealing with his wife, focusing on the well-being of his son. However, given her past behavior, it might be best for all communications to go through legal channels to ensure that everything is documented and managed appropriately.

Ultimately, his priority should be the safety and well-being of his son and himself. While it’s a difficult path, with the right legal and emotional support, he can work towards a more stable and healthy environment for his family.

..Read more

Latest Questions
Shalini

Shalini Singh  |154 Answers  |Ask -

Dating Coach - Answered on May 13, 2025

Asked by Anonymous - May 11, 2025
Relationship
Hi Shalini ji I was in a serious relationship for 6 years with a boy whom I met on the 1st day of my college. He was from a different caste. Hence when my parents got to know they disapproved of it very strictly so I knew it wasnt going to work that easily. After sometime they started asking to get married. It was an ultimate pressure while we both were preparing for some government exams. I went through utter confusion and I got stuck between trying to study and at the same time thinking about my future with him. I was pressurised by my family including my brother and parents to leave him. Meanwhile I decided to not to carry it forward because I couldn't leave my parents for whole life to be with him because it was either him or my family. I lost all the focus towards my studies due to this decision and also started talking to some other boy (he was from my own caste accidently) whom I met accidentally at an exam centre for comfort. I got a brief moments of happiness with him. I confide my pain in him. Suddenly something happened in my family ,between my parents. And my mother started acting like you can choose your own partner for life because somehow she lost trust on my father. She even was comfortable with my brother's marriage with the one whom he loves. Now I feel completely betrayed because for them I left love of my life and got into another relationship with the boy I met at an exam center ( which now I feel was a hasty decision as I felt alone and depressed). Now no one talks about my real love and what i think about it for the future. I am in a complete state of repentance. I feel like I betrayed him. Now when i think of getting back to him I hesitate a lot because I think that I took a wrong decision due to the pressure and under stress. The person I am with now, I feel is not what I wanted as a partner and I feel that he is not mentally supportive. I wnat to leave him as well. What should I do now to be happy?
Ans: 1. Happiness is in your hand
2. You sound like an adult, over 21 and someone who knows what is right and what is not - so take action
3. If you are not happy in your current relationship, come out of it.
4. If you wish to reconnect with your earlier partner do so, but keep in mind he may not be single and if he is he will not be how you knew him, as in he will come with his own experience of life.

all the best.

...Read more

Ramalingam

Ramalingam Kalirajan  |8334 Answers  |Ask -

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

Asked by Anonymous - May 12, 2025
Money
I am 38 years old and self-employed, earning an average of 1.8 to 2 lakhs per month. I have a home loan of 44 lakhs (EMI is 46,000, tenure 15 years). There is no other liabilities. My investments include 11 lakhs in mutual funds, 3 lakhs in fixed deposits, and 1.5 lakh in gold. Should I focus on prepaying the home loan given my irregular income, or keep my investments intact and continue with EMIs?
Ans: You are doing quite well, especially with your investments and controlled liabilities. Your financial discipline is truly appreciable.

You are 38, self-employed, with Rs.1.8 to 2 lakhs monthly income.
Your current home loan is Rs.44 lakhs with EMI of Rs.46,000 for 15 years.
You have Rs.11 lakhs in mutual funds, Rs.3 lakhs in FDs, and Rs.1.5 lakhs in gold.
Your income is irregular, but you have no other liabilities.

Let us now do a 360-degree evaluation of whether to prepay the loan or stay invested.

 

Step-by-Step Financial Assessment
1. Evaluate the Stability of Your Income First
You earn between Rs.1.8 to Rs.2 lakhs per month.

 

But income is irregular. That needs caution.

 

Loan EMI is Rs.46,000 — about 25% of your average income.

 

If income drops in any month, EMI pressure will increase.

 

So we must first ensure EMI is always affordable, without stress.

 

Hence, liquidity is more important for you right now than aggressive loan prepayment.

 

2. Evaluate Your Emergency Reserve
You have Rs.3 lakhs in FD and Rs.1.5 lakhs in gold.

 

That makes it Rs.4.5 lakhs total liquid safety.

 

Your EMI is Rs.46,000, and personal expenses will also be there.

 

Ideal emergency fund for you = 6 to 9 months of expenses + EMI.

 

That is around Rs.6 to Rs.8 lakhs minimum.

 

So current emergency fund is slightly lower than ideal.

 

Please don’t use this for loan prepayment now.

 

3. Assess the Role of Mutual Funds
You have Rs.11 lakhs in mutual funds. That’s a solid step.

Now let’s assess whether to redeem this and prepay loan.

 

Should You Redeem Mutual Funds to Prepay?
Mutual funds, over long term, give better post-tax return than loan savings.

 

Loan interest is 8% to 9%, whereas mutual funds can give 11–13% in long term.

 

Especially if funds are equity-oriented and held for 5+ years.

 

You will also get capital gains tax exemption on Rs.1.25 lakhs LTCG annually.

 

If you redeem funds, you lose growth potential and compounding.

 

That hurts long-term wealth building.

 

So, do not redeem the entire Rs.11 lakhs in mutual funds.

 

4. Disadvantage of Early Loan Prepayment in Your Case
Prepaying early will reduce interest over time, yes.

 

But you may run into cash flow stress in slow months.

 

Once money is used to prepay, it cannot be taken back easily.

 

Liquidity once lost = flexibility lost.

 

Also, income tax benefit under Section 24(b) gets reduced if loan balance drops.

 

So it’s better to maintain balance between repayment and investment.

 

5. Best Strategy for You – A Balanced Approach
Let’s now craft the best plan for you.

 

Maintain Strong Liquidity First
Keep FD and gold untouched.

 

Increase emergency fund to at least Rs.6–Rs.7 lakhs.

 

For that, set aside extra Rs.2.5–Rs.3 lakhs from savings over time.

 

This makes your EMI safe even in low-income months.

 

Continue Your Mutual Fund SIPs Without Stopping
SIPs give long-term growth and beat loan interest in most cases.

 

Don’t stop mutual fund investments to prepay loan.

 

Stay invested. Let wealth compound.

 

Start Small and Periodic Prepayments
Don’t do bulk prepayment now. Do systematic small prepayments.

 

For example, Rs.25,000 to Rs.50,000 extra every 3–4 months.

 

When income is higher, use that surplus to prepay in parts.

 

Target 1–2 bulk part-payments per year.

 

This reduces tenure and interest slowly, without affecting liquidity.

 

Track Your Loan Amortisation Every 6 Months
Use netbanking or get a fresh loan statement every 6 months.

 

Check how each prepayment is reducing principal.

 

Adjust your strategy accordingly.

 

Avoid One-Time Full Prepayment
That would kill your long-term investment compounding.

 

Also removes your income tax benefit under Section 24(b).

 

Stay flexible. You are self-employed.

 

You need cash buffers more than salaried people.

 

Final Insights
Do not do bulk home loan prepayment from mutual funds now.

 

Keep SIPs going and maintain your compounding.

 

Grow your emergency fund to Rs.6–7 lakhs minimum.

 

Use surplus months to make small part-payments towards home loan.

 

This protects your peace and builds wealth at the same time.

 

Reassess in 2–3 years. You may be able to prepay more later.

 

You are already in a good financial position. Your thoughtful approach is praiseworthy.

 

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8334 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

...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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