I want to build a house over the land, which was in my father name, by taking a housing loan. I want to know whether I can apply loan in my name or do I need to change the ownership of the land to my name?
Yes, you can take a home loan on your name and even claim 80C tax exemption benefitsIts a big myth in India that you need to change the land on your name from your father if land is in father or mother name, like Ishant Harjai said in his answer.Why Do I say this ? Because in last week , I have talked to 2 home loan agents, who have shared with me major points related to this topic and have also helped their clients take home loan for building homes on land which is on their father and mother namesLet me share some points and rules related to this1. Land owner should be co-borrower - The first thing is that son/daughter can take home loan, just that the land owner (father/mother) should be co-borrower of the loan, if they are earning , it would be great if they can also share the EMI, that will fasten the process of loan taking2. NOC from legal heirs - If there are brothers and sisters, A NOC will be required from their side, where they agree that in future , they will not create an issue, and bank will be able to take over the land/house if EMI are not paid. SBI and HDFC banks are two banks whom I know give these loans because the two agents I talked to belong to these banks , so I am confirm on this . There might be some banks which might not entertain you, it really depends a lot on quality of your agent and how much experience he has. There might be more documentation in these kind of cases because of the complexity .Manish
My family and friends found out that my 16 year old little brother has a much bigger penis than me.?
It was the result of a game of truth or dare. The dare was for my brother and I to show our penises fully erect for 1 entire minute so everyone could measure/examine or get a good look. I'm 18 years old and my fully erect penis was about 5 inches and my 16 year old brother's fully erect penis was about 7.5 inches. Afterwards, everyone at the party told their friends and it just kept spreading to other people - school, work, home, etc. I feel so sick. What can I do? I am thinking about driving my truck off of Boulder Dam. I live in Las Vegas and have been taunted by my friends. I was thinking that I would be able to draw attention to this issue to die as a martyr of this judgmental world. I have planned to party like I've never partied before this Friday night and then Saturday morning at 5:00 am will start driving out to Boulder City to finish it off. They are doing some construction by the side of the Dam where I would be able to drive onto the side and then dive into the Dam. My life is crap! I work in fast food and can't even afford to live on my own. This at least would be a brave act for older brothers everywhere so that people will be kinder and understand their troubles.
Stepson has not accepted his new baby brother and I think his mom might be making things worse?
My husband and I have been together for 6 years married 4. He has a 9 year old son who lives with his mom during the week and us at the weekend. We also get him for five weeks during the summer. We had our baby boy 3 months ago and my stepson has not coped very well. He wasn't excited when we told him I was pregnant and no matter how much we tried to involve him, his feelings didn't change. My husband still does the father/son day with him once a week and I've still spent quite a bit of time with him while he's here, but he just has not warmed up to the baby. My husband punished him a couple of times for trying to hit the baby or shouting at the baby. He spoke to his ex and he said she won't help us. Actually, if I had to guess, I'd say some of it is the mother playing up his jealousy and encouraging him to dislike the baby and wish for the baby to disappear. He told me once he's wished the baby had never been born or would be sent away. I asked him why and his response was "I don't want a baby brother". It's becoming tough because my husband has told me he feels like all he does is punish his son because whenever he's with us, he does something to try and hurt the baby or make him cry. He won't even use his name. He just calls him names. What can we do? Neither of us has proof this is coming from my stepson's mother. But she has caused problems in the past and we know she hates me to the point she will curse at me for answering the phone, etc...
My 5 year old son cries when I try to teach him writing, reading, etc. What can I do?
Kids are learning machines. About the only thing you can do to keep them from learning is make it a chore, or make them afraid of disappointing you.At the risk of projecting, you may be stressing him out by setting up a ritual where the outcome is always that either he gets frustrated, or disappoints you. The one thing you don’t want to do is turn either of those things into a daily flogging.Try to change the pattern. Make sure that at least some of your time is just reading together - a no stress time where it is just you and him spending quality time. Beyond that, read his favorite books, and work on recognizing specific letters and words in the text, but keep it light. As you are able, work new stories in, and let him try to recognize the words in text he doesn’t yet know by heart.Find subjects that light him up, and read about them together. Integrate those things into activities that encourage him to write (label the names of dinosaurs, etc). Give him a reason to WANT to read, and WANT to write without you having to push, and you are halfway there.Pay close attention, though. There could be other issues at play. At 5, he should generally be more than cognitively developed enough for reading, but his motor skills may not quite be up to serious writing yet. (I am not a trained child development specialist. If a professional tells you differently, then I am wrong. )There is also a small chance that he may have a learning disability. Dyslexia or sensory processing disorders can make tasks we take for granted much more demanding. If that’s the case, the earlier you figure it out, the better for both of you. There are teaching tools and methods can ease his frustration, and understanding where he is, and how he engages the world can help you figure out how to best help and encourage him.
Why my husband thinks its ok to call our 1 year old names?
Oh no. You're right, this is NOT a good situation. But the only way to stop this is by talking. You're already doing that. But it seems like your husband doesn't respect your opinion. Until that happens he just won't listen to you. In his mind he's right and you're wrong. Communication (which is what's needed) only works when BOTH are involved. It means listening to the other opinion or point of view or feelings. But if you never listen to him then he has no reason to listen to you. I make no judgements in that regard, I'm not trying to suggest that my assessment is harsh or against you, no, rather, it's for the child involved. In your case someone is not listening. You can draw your own conclusions as to who it is, none of us are witnesses to how you interact. The best we can do is sympathize. On the off chance you are not setting the example of listening OR according to the way you approach the subject, what you do and how you do it will have significant influence as to how you are heard. For instance if you go at him telling him he's the problem you immediately put him on the defense. But if you say to him "I'm concerned about the lessons WE're teaching our son. Calling him names doesn't build up it tears down. We can shape who he will be by how we treat him." Take it from there. But if you go at him like "Stop calling him a puzzy, you'll MAKE a puzzy out of him." Now you've launched an attack. The only thing you can expect back is a defense. And as I said earlier, if you don't listen to his point of view or feelings you can't expect him to listen to yours. I've raised five girls. Trust me, I have tons of experience at making mistakes. Just ask my oldest, she got the worst of it. But with time and experience I got better at making sound decisions and less and less I made mistakes. But the truth is that even if I had a hundred children I'd still make mistakes. The thing about that is that you can't dwell on them. The only thing you can do is fix them. Start examining all mistakes, his and yours. But most of all yours. Hope this helps. 'av'a g'day mate. '')
What are some worst things a father can do to his son?
I think my personal story is very fitting for this question. *TL;DR at the end*I haven't talked to my dad in over 7 years. The worst thing a father can do to his son Is walk out when he is young and vulnerable. My father and mother had some issues they needed to work out. I have heard 2 sides of the same story and never know which is right these days. All I know is one night my mom yelled for me. I barged in to find him with a bloody lip and her with bruises and bumps. It seems they got into an fist fight. Despite the fact that my mom was in a worse condition than my father, my mom went to jail because she was the one that drew blood..That upset me enough. On top of the other terrible things I've heard of my father in his past. Combined with this night. I was upset with him. Scared of him even. I was home alone a few days later. I was told if he tried coming back, not to let him in.He came back ironically when I was home alone. I was scared. I hid as he pounded on the door. Knocking on every window. I hid in the corner between the wall and the fridge hoping he would leave. Instead he took it upon himself to break into the house.. I was young at the time. Transitioning from middle school into highschool. Maybe 13 then? 14 tops. Vulnerable and emotional after everything. I didn't know what else to do besides cry. He didn't hurt me there. All he did was yell at me. And told me I should have let him in. He told me to throw his work shoes outside. I did just that and upon him leaving he said the words. “You're not my son anymore” from that point onward I never spoke to him again. It was tragic how it happened. He lost every ounce of respect he ever had from me.I'm 20 years old now. 7 years later. I got a text actually from my mom very recently. Telling me he wants my number. He wants to make things right. He also wants to tell me my grandfather is dying. I feel terrible because my father's actions caused me to lose contact with that side of the family. That includes my grandpa. If he dies before I get to see him I'll feel even worse about it situation. I do believe this is the worst hell that a father can provide for his son. Disowning your son at a young age and causing all the trouble. It's horrible.TL;DR the worst thing a father can do, is to tell his son that he's not his son anymore.The end