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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

क्या सूखी और खुरदरी जीभ वाले 45 वर्षीय मधुमेह रोगी को चिकित्सकीय सहायता लेनी चाहिए?

Dr Chandrakant

Dr Chandrakant Lahariya  | Answer  |Ask -

Diabetologist, Consultant Physician, Vaccine Expert - Answered on Oct 16, 2024

Dr Chandrakant Lahariya is a diabetologist, an infectious diseases and public health specialist and a vaccine expert.
The Delhi-based senior physician also has over 20 years of experience in hypertension, thyroid disorders and respiratory illnesses.
An expert on common health issues and the preventive aspects of medicine, he has co-authored the book, Till We Win: India's Fight Against The Covid-19 Pandemic.
Dr Chandrakant completed his MBBS from the Maulana Azad Medical College, New Delhi, and his MD from the Lady Hardinge Medical College, New Delhi.
He has a DNB (National Board of Examination, 2009) certification and a diploma in vaccinology from Institut Pasteur, Paris.... more
sandip Question by sandip on Jul 17, 2024English
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नमस्ते डॉक्टर, मैं 45 वर्ष का हूँ और मधुमेह की दवा एमरिल एम1 फोर्ट और जार्डिएंस 10 ले रहा हूँ और रक्तचाप के लिए ओल्केम 20 और जुपिरोस एफ 10 भी ले रहा हूँ। साथ ही मुझे अस्थमा भी है और इसके लिए मैं नियमित रूप से रात में सेरोफ्लो 250 लेता हूँ। मेरी शुगर 120/160 है। समस्या यह है कि मेरी जीभ बहुत रूखी और सूखी हो गई है और उस पर सफ़ेद रंग की परत जम गई है जो रात में माउथवॉश का इस्तेमाल करने के बाद लगभग चली जाती है। साथ ही मेरी जीभ ऊपर की तरफ़ थोड़ी रूखी है। मैंने कई ईएनटी/डेंटिस्ट से सलाह ली लेकिन अभी तक कुछ भी ठीक नहीं हुआ है। मुझे रात में खर्राटे लेने की आदत है। आधी रात और सुबह-सुबह जीभ पूरी तरह सूख जाती है और जैसे ही पानी पीता हूँ, उस समय के लिए यह ठीक हो जाती है। कृपया मदद करें। धन्यवाद एसएस

Ans: नमस्ते संदीप जी,
यह मुंह का सूखापन है, जो मधुमेह रोगियों में एक आम स्थिति है।
आप जार्डिएंस (एम्पाग्लिफ्लोज़िन) भी ले रहे हैं - एक एसजीएलटी-2 अवरोधक, एक मधुमेह विरोधी दवा, जिसके परिणामस्वरूप पेशाब बढ़ जाता है और इस प्रकार शरीर से बहुत सारा पानी निकल जाता है।
पानी के छोटे घूंट और मुंह के लोज़ेंग पर विचार करें और आज़माएँ। इसके अलावा, खर्राटों के लिए, नींद की दवा विशेषज्ञ से परामर्श करें।
मुझे पूरा यकीन नहीं है कि आपका मतलब क्या है कि शुगर लेवल 120/160 है? कृपया स्पष्ट करें। आपका HbA1c क्या है, यह जानना और आगे सलाह देना मेरे लिए भी महत्वपूर्ण है।
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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Dr Hemalata

Dr Hemalata Arora  | Answer  |Ask -

General Physician - Answered on May 25, 2023

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प्रिय मैम, मैं 51 साल का आदमी हूं। पिछले 10 वर्षों से मैं गले एवं गले की समस्या से पीड़ित हूं। मुँह सूखना. कई डॉक्टरों से सलाह ली और गले, पेट के विशेषज्ञ लेकिन अभी तक कोई इलाज नहीं। इससे मुझे कार्यालय समय में और विशेष रूप से सुबह उठते समय बहुत असुविधा होती है। सुबह में, मेरा मुँह & amp; गला पूरी तरह सूख जाता है. इसका अभी भी निदान नहीं हुआ है. कृपया ध्यान दें कि 2013 तक मुझे तम्बाकू के साथ पान मसाला चबाने की आदत थी। आपसे अनुरोध है कि किसी जांच के लिए सलाह दें या किसी डॉक्टर से संपर्क करें। इस समय मैं कोटा, राजस्थान में हूं।
Ans: नमस्कार श्री संजय, मैं एक चिकित्सक से जांच कराने के साथ-साथ विटामिन बी12 और फोलिक एसिड की जांच कराने की भी सिफारिश करूंगा। अपने शुगर की भी जाँच करें यदि आपने हाल ही में ऐसा नहीं किया है। यदि चिकित्सक द्वारा देखा गया कोई उभरा हुआ या कठोर क्षेत्र है, तो उसे आगे के मूल्यांकन की आवश्यकता होगी।

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नवीनतम प्रश्न
Ramalingam

Ramalingam Kalirajan  |8443 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2025

Asked by Anonymous - May 16, 2025
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I am 30 year old. My current in hand salary is 60k and additional 18k once in quarter. I have a home loan of 25 lac with monthly EMI of 18257 and have borrowed 11 lac from brother -in-law and paying 23k every month to him as well. Please help me how should I start with investment in MF and manage my financial to gain stability
Ans: You have taken some responsible steps already. Owning a house at 30 is a big milestone. It shows commitment and maturity. You also show discipline by repaying your brother-in-law regularly. Let us now take a 360-degree view of your financial life. The goal is to build stability and begin investing in mutual funds wisely.

Here is a detailed and structured plan for you.

 
 
 

Income and Cash Flow Assessment
Your in-hand monthly salary is Rs. 60,000. Quarterly, you get Rs. 18,000 extra.

 
 
 

That works out to around Rs. 65,000 per month on average.

 
 
 

You are paying Rs. 18,257 for your home loan.

 
 
 

You also pay Rs. 23,000 to your brother-in-law monthly.

 
 
 

Together, your monthly loan outgo is Rs. 41,257.

 
 
 

You are left with around Rs. 23,000 per month for all expenses and savings.

 
 
 

At this stage, the cash flow is tight. But not unmanageable.

 
 
 

Focus is now on smart budgeting, not just saving.

 
 
 

Let’s now plan to slowly move towards surplus creation.

 
 
 

Household Budget Rebalancing
Start with tracking every rupee you spend for three months.

 
 
 

Use simple notebooks or mobile apps for this.

 
 
 

Identify 2–3 non-essential spending areas.

 
 
 

Cut those expenses gradually.

 
 
 

Target to reduce monthly spends by Rs. 4,000–5,000.

 
 
 

This will help create investment capacity.

 
 
 

You can then begin your mutual fund journey smoothly.

 
 
 

Loan Repayment Priority Strategy
Between the two loans, your brother-in-law’s loan is priority.

 
 
 

It is not interest-based but emotionally important.

 
 
 

Keep paying him Rs. 23,000 consistently.

 
 
 

Do not reduce this until fully repaid.

 
 
 

After it is cleared, redirect this EMI into investments.

 
 
 

That Rs. 23,000 will become your wealth engine.

 
 
 

You may consider prepaying home loan slowly after that.

 
 
 

But don’t rush. Use part for investment too.

 
 
 

Emergency Fund First
Before any investments, set aside safety fund.

 
 
 

You must build emergency savings of at least Rs. 40,000.

 
 
 

Start by saving Rs. 3,000 per month till you reach that.

 
 
 

Keep this in a bank RD or sweep-in FD.

 
 
 

Do not touch this unless it’s truly urgent.

 
 
 

This will help you avoid personal loans or credit card debt.

 
 
 

Health and Life Cover
If not already covered, get a Rs. 5 lakh health cover.

 
 
 

Choose a family floater policy if married.

 
 
 

Buy from reputed insurer with good claim ratio.

 
 
 

Premium will be around Rs. 500 per month.

 
 
 

Also check if you have life insurance.

 
 
 

If not, get a term plan of Rs. 50 lakh.

 
 
 

Cost will be around Rs. 500 to Rs. 800 per month.

 
 
 

Avoid any ULIP or money-back plans.

 
 
 

Beginning Mutual Fund Investment
Start SIPs only after emergency fund and basic covers.

 
 
 

Target SIP of Rs. 2,000–3,000 per month to begin.

 
 
 

As your brother-in-law loan ends, increase SIP step-by-step.

 
 
 

Prefer well-managed active mutual funds.

 
 
 

Actively managed funds have professional fund managers.

 
 
 

They can outperform markets with expertise.

 
 
 

Index funds only mimic the market.

 
 
 

They do not react to changing trends.

 
 
 

This leads to limited alpha generation.

 
 
 

Actively managed funds offer better risk management.

 
 
 

Work with a Mutual Fund Distributor with CFP credentials.

 
 
 

They bring personalisation and regular review to your portfolio.

 
 
 

Direct mutual funds don’t offer this guidance.

 
 
 

Direct route also needs your time and market knowledge.

 
 
 

For salaried investors like you, guided support helps.

 
 
 

Your focus should be on building consistent long-term wealth.

 
 
 

Suggested Investment Allocation Once Loan Ends
Once brother-in-law loan is cleared, use that Rs. 23,000 well.

 
 
 

Split it into: Rs. 3,000 emergency fund, Rs. 2,000 insurance, Rs. 18,000 SIPs.

 
 
 

This will create strong financial muscle over time.

 
 
 

Avoid putting all in one type of fund.

 
 
 

Use a mix of large-cap, flexi-cap and hybrid funds.

 
 
 

Let a CFP-backed advisor design your fund mix.

 
 
 

Do not chase returns or trends.

 
 
 

Stay invested through ups and downs.

 
 
 

Review your SIPs yearly.

 
 
 

Increase them whenever your salary rises.

 
 
 

Avoiding Common Pitfalls
Do not take personal loans for investing.

 
 
 

Avoid credit card debt at all costs.

 
 
 

Do not try to time the market.

 
 
 

Avoid chit funds or unregulated schemes.

 
 
 

Avoid investing in schemes without proper reading.

 
 
 

Do not buy mutual funds from banks.

 
 
 

Bank executives sell based on their targets.

 
 
 

Always check if your advisor is a CFP.

 
 
 

Goal Setting Approach
Have clear goals before investing.

 
 
 

Are you saving for child, retirement, or wealth creation?

 
 
 

Write them down. Assign rough timelines.

 
 
 

This will help you choose right fund categories.

 
 
 

Having goals keeps you motivated to invest.

 
 
 

Stay away from FOMO-based investments.

 
 
 

Let your goals guide you, not markets.

 
 
 

Tax Consideration and Smart Planning
Use SIPs in equity mutual funds for tax efficiency.

 
 
 

Gains after one year are long-term capital gains.

 
 
 

You get exemption up to Rs. 1.25 lakh per year.

 
 
 

Beyond that, gains are taxed at 12.5%.

 
 
 

If redeemed before a year, STCG is taxed at 20%.

 
 
 

Don’t withdraw unless needed. Let compounding work.

 
 
 

Plan redemptions around goals to save tax.

 
 
 

Finally
You are in a decent position for your age.

 
 
 

Focus on clearing the family loan first.

 
 
 

Start slow and steady with SIPs.

 
 
 

Build emergency savings for confidence.

 
 
 

Protect yourself with health and term covers.

 
 
 

Work with a Mutual Fund Distributor having CFP qualification.

 
 
 

Avoid index funds and direct mutual fund route.

 
 
 

Keep your investments simple and long-term focused.

 
 
 

Avoid real estate or exotic products at this stage.

 
 
 

Regular saving with guidance will lead to stability.

 
 
 

You have already made smart choices. Now sharpen them.

 
 
 

Stay consistent and review yearly. You will see great results.

 
 
 

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

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