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Content tagged 'Springhill Group Counselling'

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  1. A friend is burdened with multiple loans. Though he finds it difficult to pay his EMIs (equated monthly instalments), he hasn't defaulted. Can I take him to a debt counsellor who can advise him? What are the services debt counsellors provide and how much do they charge? Also, how long will the process take? Debt counselling in India is not a mature industry in terms of standardisation of services or charges. They may offer only advice to you or help you in liaisoning with the banks. They may charge a nominal fee, while some debt counsellors promoted by banks may offer free advice. I have two personal loans and two credit cards. I have always paid all the instalments on time. I want to apply for an education loan for my daughter. A colleague said I will not get another loan because I already have four credit products to my name. Is that true? No, this is not true. A fresh loan depends on your repayments of loans and current income. As you are servicing your unsecured loans well, I see no problem in getting an education loan for your daughter. Your daughter will be the applicant, with you being the co-borrower or guarantor. I have never taken a loan till date. However, my application for a two-wheeler loan was rejected. I wasn't given a reason. What could be the reason and how do I find out? Approval of a loan application depends on various factors, including income and repayment trends. The criteria could vary from bank to bank. Some may consider a good repayment history to be mandatory for loan approvals. If your application was rejected by a bank, it is duty-bound to give you reasons if you ask for it, in writing. If you face any problem, you may contact the bank's nodal officer. How can I obtain my credit score? There are four credit bureaus in India - Cibil (Credit Information Bureau of India Limited), Experian, Equifax and High Mark. The first three have given the process to obtain one's credit history and credit scores on their websites. It is easily available and you can obtain it by following the process mentioned there. More Info: http://springhillgroupcounselling.com/
  2. Depression is actually the most common complication during and after pregnancy although exact number of women that suffers from this is unknown. Perinatal depression, it is the depression that occurs during pregnancy or within a year after delivery.
    You may not recognize depression because some normal pregnancy changes cause similar symptoms and are happening at the same time that is exactly why it was not treated. Tiredness, problems sleeping, stronger emotional reactions, and changes in body weight may occur during pregnancy and after pregnancy and these are also symptoms of depression. For a lot of women, joyfully anticipated pregnancy and motherhood bring depression as an unexpected accompaniment. Depression is not only risky for mothers but for their children as well. During pregnancy, depression may result in poor prenatal care, premature delivery, low birth weight, and, just possibly, depression in the child. Depression after childbirth aka postpartum depression can lead to child neglect, family breakdown, and suicide. A depressed mother may fail to bond emotionally with her newborn, raising the child’s risk of later cognitive delays and emotional and behavior problems.

    If the depression is detected soon enough, help is available for mother and child.

    What are the signs of depression during pregnancy?