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Can I Get into IIT with Optional Math Subjects for the 6th Subject?

Dr Dipankar

Dr Dipankar Dutta  |678 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Sep 26, 2024

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more
Renu Question by Renu on Sep 25, 2024Hindi
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Can i get into iit collage as maths is a optional subjects 6th subjects

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Ravi

Ravi Mittal  |396 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 06, 2024

Asked by Anonymous - Sep 01, 2024
Relationship
I am a 27 year old female. I am dating a guy for 10+ years, we have become too casual about each other. Its like our relationship has lost the spark after we left college. We are dragging our relationship just because we both arent ready to put efforts in finding new partners. Whenever we meet, we cuddle and sleep and havent had sex since last 2 years. Emotionally we are too close but physical intimacy is kindof lost. Since its time to get married. I am still unsure whether he as of now is the one for lifetime. Should we venture for new partners respectively or are we the one for each other. Please Suggest.
Ans: Dear Anonymous,
If you have to ask "Are we the one for each other?" something must be going really wrong in the relationship. Moreover, you also mentioned dragging it, so reconsidering the relationship can't hurt. There is another option- you can try couple's therapy and get to the bottom of this detachment. It can be time; it happens to many long-term couples. Nothing comes without effort- you will have to work on it every day and explore new things to bring back the spark. If you don't want to let go of this relationship, try these suggestions. But to continue lugging it because this relationship is all too familiar and comfortable now is not the right decision. If it's okay with both of you, take a break and venture out for new partners. See how things pan out. The choice is yours. The only thing that I can confirm is that at this point, you should not rush into getting married and focus on sorting things out first.

Best Wishes.

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Dr Nagarajan J S K

Dr Nagarajan J S K   |153 Answers  |Ask -

Health Science and Pharmaceutical Careers Expert - Answered on Nov 06, 2024

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Career
My daughter has completed BSc in Life Science and Masters in Microbiology in June 2024. She is searching/applyin for jobs in pharma companies but no success Please guide
Ans: Hi Sir,

I am glad to hear that she has completed her MSc in Microbiology. Could you let me know what type of project she worked on during her final year? Additionally, what skills has she acquired during her postgraduate studies? While eligibility might be determined by her percentage, it's important to note that skills play a significant role in the job market.

Did she complete an internship in the pharma industry? Nowadays, many candidates claim to have experience, but often lack competency in their subjects.

One essential aspect is preparing her resume. She should highlight her skills, any internships she has completed, and the projects she worked on during her postgraduate program.

Industries are currently facing various challenges due to human resource issues, making them cautious in selecting candidates for specific roles.

I also recommend that she consider an internship at Biocon for six months. They have an academy focused on biotech-related training, and completing this prograHi Sir,

I am glad to hear that she has completed her MSc in Microbiology. Could you let me know what type of project she worked on during her final year? Additionally, what skills has she acquired during her postgraduate studies? While eligibility might be determined by her percentage, it's important to note that skills play a significant role in the job market.

Did she complete an internship in the pharma industry? Nowadays, many candidates claim to have experience, but often lack competency in their subjects.

One essential aspect is preparing her resume. She should highlight her skills, any internships she has completed, and the projects she worked on during her postgraduate program.

Industries are currently facing various challenges due to human resource issues, making them cautious in selecting candidates for specific roles.

I also recommend that she consider an internship at Biocon for six months. They have an academy focused on biotech-related training, and completing this program successfully may lead to a job at Biocon, depending on her performance.

All the best! m successfully may lead to a job at Biocon, depending on her performance.

All the best!

...Read more

Ramalingam

Ramalingam Kalirajan  |6976 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 06, 2024

Asked by Anonymous - Nov 05, 2024Hindi
Money
Hi Sir, I am seeking your expertise to review my current asset allocation strategy, as I am planning for a 10-year investment horizon. I am currently 48 years old, Moderate risk taker, looking 13-14% CAGR, and would like to ensure that my portfolio is well-structured to meet my long-term financial goals. Proposed Target Asset Allocation: (A) -Equity Instruments: 45% (a)-Direct Stocks: 10% (Large Cap / Blue Chip Stocks: 3%, Mid Cap Stocks: 2%, Small Cap Stocks: 2%, Solar/Green Fuel Stocks: 1%, AI / Semiconductor / Data Storage / EV Stocks: 1%, FMCG Stocks: 1%. (b). International Equity: 5%). (c). Mutual Fund Equity: 30% (Large Cap Funds: 9%,Mid Cap Funds: 6%,Small Cap Funds: 5%,Flexi Cap Fund: 3%,Multicap Fund: 2%,Aggressive Hybrid: 2%,NPS (Equity): 3%) (B). Debt Instruments: 40% ( FD/TFD: 40%, KVP: 8%, NSC: 6%, Debt Mutual Funds: 6%, NCD/Corporate Bonds: 2%, PPF: 2%, NPS (Debt): 2%) (C). Real Estate: 10% (Land/Forms: 7%, House/Flats: 3%) (D). Gold: 5% (Physical Gold: 5%, Sovereign Gold Bonds: 2%, Gold ETF: 2%) Questions: 1. Does this allocation appear appropriate for my age and risk profile? 2. Are there any modifications you would recommend to enhance potential growth or reduce risk? How does this allocation align with current market trends, particularly in sectors like green energy and technology? Thank you in advance for your insights and recommendations! Best regards,
Ans: Let’s assess each section of your proposed strategy, along with suggestions to help optimise your returns within your moderate risk tolerance and 10-year horizon.

1. Equity Instruments - 45%
Your equity allocation is well-diversified across direct stocks, international equity, and mutual funds. Let’s examine each segment:

Direct Stocks (10%): Holding 10% in direct stocks across large, mid, and small-cap stocks, as well as thematic sectors like green fuel and technology, adds growth potential. However, actively monitoring individual stocks and staying updated on market conditions is crucial for these segments.

Considerations: Thematic investments (e.g., solar, AI, semiconductor, and FMCG) add future-focused growth potential but can be volatile. Consider reducing thematic stocks slightly if you prefer a more conservative approach. A 7-8% direct stock allocation could still capture growth while managing risk.

International Equity (5%): Exposure to international equity is excellent for diversifying risk and gaining from foreign markets. Focus on countries with strong technology and industrial sectors, such as the US or emerging markets.

Mutual Fund Equity (30%): Your mix of large-cap, mid-cap, small-cap, flexi-cap, multi-cap, and aggressive hybrid funds provides balance. However, it’s advisable to stick with regular funds through an MFD, especially if you lack time for active tracking. Regular funds offer valuable guidance through certified financial planners, which may help in uncertain markets.

2. Debt Instruments - 40%
Debt provides stability to your portfolio. The allocation across fixed deposits, debt mutual funds, KVP, NSC, NCDs, PPF, and NPS (debt) is balanced.

Fixed Deposits and Term Deposits (20%): FDs offer security but relatively lower returns, especially given rising inflation. You could reduce FD holdings and allocate more to debt mutual funds for potentially higher returns without excessive risk.

KVP, NSC, and PPF: These are secure instruments offering fixed returns and tax-saving benefits. However, ensure that these instruments align with your tax strategy since the interest is subject to tax as per your income slab.

Debt Mutual Funds (6%): Increasing this portion slightly could improve returns. Debt mutual funds also provide better liquidity options compared to FDs. However, remember the new tax rules, where debt mutual fund gains are taxed as per your income tax slab.

3. Real Estate - 10%
Your 10% allocation to real estate is reasonable. Since you are looking at forms of land and residential property, it is critical to consider the liquidity of these investments.

Consideration: Real estate often involves high transaction costs and is less liquid. You may want to weigh this allocation against other investment avenues for improved liquidity.
4. Gold - 5%
Gold is a strong hedge against inflation and market downturns. Your allocation across physical gold, sovereign gold bonds, and gold ETFs is diverse.

Physical Gold (1-2%): Physical gold can be useful but adds storage costs and risks. You could consider shifting more of this portion to sovereign gold bonds and ETFs, which are easier to liquidate and don’t incur storage issues.

Sovereign Gold Bonds (2%): Sovereign Gold Bonds offer a fixed interest component and are tax-efficient if held till maturity. These are excellent for long-term holding.

Current Market Trends and Sectors
Green Energy: Green energy has high growth potential. However, these stocks can be volatile due to policy changes and economic shifts. Limit exposure to avoid over-concentration.

Technology (AI, Semiconductor, EV): The technology sector is growing rapidly, especially in AI and EV. Consider focusing on large-cap or mutual fund options for stability.

Tax Implications and Portfolio Adjustments
Capital Gains on Mutual Funds: For equity mutual funds, long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%, while short-term gains are taxed at 20%. Debt mutual funds are taxed as per your income slab, so balancing these investments can optimise tax efficiency.

Reduce FDs for Tax Efficiency: FDs, though safe, attract tax on interest income, which may reduce overall returns. Balancing some FD allocation with debt funds could be tax-efficient and yield higher returns.

Recommendations for Optimal Portfolio Structure
Consider Balanced Growth through Mutual Funds: Given your moderate risk profile, shifting a portion from direct stocks and FDs to actively managed mutual funds could reduce the need for active monitoring.

Optimise Debt Allocation with Debt Funds: A higher allocation to debt mutual funds could enhance returns, with improved liquidity and tax efficiency. Explore funds that align with your investment goals and time horizon.

Review Thematic Stock Exposure: Some exposure to high-growth thematic stocks is good but consider capping this to reduce risk. Mutual funds focused on sectors like green energy and technology can offer exposure with professional fund management.

Final Insights
Your asset allocation strategy is commendable and largely balanced. A few adjustments could potentially enhance your portfolio’s growth, liquidity, and tax efficiency over time.

Consider reducing exposure to direct stocks and fixed deposits.

Increase debt fund allocation for better returns and tax management.

Reassess the thematic exposure, especially for emerging sectors like green energy and technology.

Balance between actively managed funds and stable debt options to keep your risk aligned with your moderate risk tolerance.

By implementing these adjustments, you can optimise your portfolio’s growth while managing risk effectively. Over the 10-year horizon, this should position you well to achieve your financial goals.

Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |6976 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 06, 2024

Asked by Anonymous - Oct 30, 2024Hindi
Money
Resp. Sir, I need your guidance regarding Insurance cum guranteed Income Plan. I did purchased ICICI Pru Guaranteed Income For Tomorrow (GIFT) Plan in 2023. I purchased 12 yrs PPT + 2 Year Plan. The annual premium is Rs. 5 Lakh + GST. ( 522500 in 1st year, 511250 for rest of 11 years ). I have paid 2 installment ( 2023 and 2024). Last installment to be paid in March 2034. I have choosed annual Payout. the first payout will start in September 2038 ( as I have chossed save on date) The payout amount will be Rs. 790926- tax free for 25 years ( upto 2062. I will be 95 by 2062). ICICI will return all premium also with 10% bonus. That mean Rs. 6600000/-( 66 Lakhs) will be paid with last payout. Now I am again confused for If I should contimnue or not. Policy is now fully paid after payment of minimum payment of two premium ( it means I will get reduced payout from 2038 onwards). Pl. guide me , 1) If I should continue the payment of premium, 2) what will be the rate of return and XIRR, 3) alternate investment if I discontinue the payment of Premium. Waiting for your reply. Thanks in Advance.
Ans: Your decision to purchase the ICICI Pru Guaranteed Income For Tomorrow (GIFT) Plan reflects a prudent approach to creating a future income stream. The policy offers guaranteed returns and aligns well with long-term financial security. However, it’s essential to carefully assess whether continuing with the premium payments will help you meet your financial goals efficiently.

Let’s evaluate the key elements of this plan, the expected returns, and alternative options to help you make an informed choice.

Key Highlights of Your Current Insurance Plan
Here’s a quick summary of your ICICI Pru Guaranteed Income For Tomorrow Plan:

Premium Payment Term (PPT): 12 years
Annual Premium: Rs 5 lakh + GST (Rs 5,22,500 in the first year, Rs 5,11,250 for the next 11 years)
Annual Payout Start: September 2038
Annual Payout Amount: Rs 7,90,926 (tax-free) for 25 years
Return of Premium with Bonus: Rs 66 lakhs at the end of the payout term in 2062
Evaluation of Returns: Rate of Return and XIRR
Rate of Return: This insurance-cum-guaranteed income plan typically offers returns in the range of 5-6%, which is relatively modest compared to other investment vehicles.

Expected XIRR: Calculating the exact XIRR is complex as it considers both premium payments and the eventual payouts. Given the guaranteed amount, the XIRR is expected to be in the range of 5.5-6.5%.

Opportunity Cost: This return may appear low compared to the potential returns from other investment options like mutual funds, especially when compounded over 12 years. High inflation rates may further erode the purchasing power of the fixed payouts, potentially affecting your financial freedom in the future.

Benefits of Continuing with the Plan
If your primary goal is guaranteed income and stability, here’s why you might consider continuing:

Assured Income: This plan provides a predictable, tax-free income stream for 25 years, helping you maintain cash flow without market risk.

Capital Preservation: With the return of premium and bonus at the end, the plan ensures capital preservation, which may suit a conservative investment outlook.

Tax-Free Income: The payouts are tax-free, which can be beneficial, particularly if you anticipate a high tax bracket in the future.

Considerations for Discontinuing the Plan
Although this plan provides guaranteed income, certain factors may urge you to consider discontinuing:

Lower Rate of Return: Traditional insurance-cum-investment plans generally offer lower returns. These returns may not match the long-term growth rates required for wealth accumulation.

Liquidity Constraints: The plan restricts liquidity since you must commit for 12 years, with no flexible withdrawal options. This can be a drawback if you anticipate needing funds for other investments or emergencies.

Inflation Impact: While the payouts are fixed, the real value of the income will diminish over time due to inflation. Alternative investments can offer growth that more effectively counters inflation.

Alternate Investment Options
If you decide to discontinue premium payments, here are some diversified options to consider for potentially higher returns with a balanced risk:

Actively Managed Mutual Funds: Investing in actively managed funds can offer a blend of equity and debt exposure. Experienced fund managers adjust portfolios to capture market gains while managing risk. Unlike index funds, actively managed funds may outperform due to professional insights. Explore equity mutual funds with a long-term focus for higher returns.

Balanced or Hybrid Funds: These funds offer a combination of equity and debt, reducing volatility while aiming for reasonable growth. Balanced funds are suitable for generating wealth over time, with moderate risk.

Debt Mutual Funds: For conservative growth, debt funds provide stable returns with relatively low risk. Note that debt fund returns are now taxed at your income slab rate, which may affect post-tax returns. Consider debt funds if you prefer a safer, predictable growth without long lock-ins.

Public Provident Fund (PPF): If you haven’t maximized your PPF contributions, this instrument offers tax-free interest and principal, with long-term compounding benefits. PPF is risk-free and provides stable, inflation-protected growth over time.

Sovereign Gold Bonds (SGB): For those interested in gold investments, SGBs offer regular interest income and long-term price appreciation potential. SGBs come with tax-free redemption if held to maturity, providing a hedge against inflation.

Systematic Withdrawal Plan (SWP) in Mutual Funds: An SWP offers regular payouts by systematically redeeming mutual fund units. Unlike insurance payouts, SWPs give you flexibility, and the invested corpus has growth potential, enhancing overall wealth.

Recommendation for Next Steps
To determine whether to continue with the premiums, consider the following steps:

Re-evaluate Your Financial Goals: Consider your long-term objectives and whether guaranteed, fixed returns align with them.

Assess Liquidity Needs: If liquidity is crucial, continuing this plan may limit your ability to allocate funds to better-suited investments.

Discuss with a Certified Financial Planner (CFP): Consulting a CFP can provide tailored insights and assist in calculating the precise XIRR and assessing the tax impact on your returns.

Final Insights
Your current insurance plan provides stability and guaranteed returns, which is suitable if you prioritize capital preservation. However, if wealth accumulation and inflation protection are key, consider exploring other options that offer higher growth potential with some market exposure.

Choosing the right path ultimately depends on balancing security with growth, ensuring that your investments remain aligned with your future financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |6976 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 06, 2024

Money
Sir,I became to cyber fraud in regards to Telegram Prepaid Task where I was deceived and manipulated by the fraudsters under their false pretenses that they were offering me a part time work from home job .I transferred Rs 86000/- to them.I reported to the same to my Indian Bank within 3 days according to RBI guidelines via a phone call to my branch manager but he did not take my complaint initially over the phone and rudely said to visit branch.then on the 4th day I visited branch along with necessary documents and police complaint copy and a written application informing the details of fraud transaction.I also got shadow reversal in account of Rs86000/- which was reflecting as a hold or lien balance in my account then I was to advised by the manager to wait for 1 or 1 and a half month till the investigation gets completed and then he will verify the same and credit the same into my account but they did not do anything for 1 month 6 days till I again visited branch to know that the said manager got transferred to another branch and new assigned branch manager did not knew anything I again submitted a complaint and then they raised a charge back which was rejected by the beneficiary bank stating that there is no balance in the beneficiary or fraudsters account .I complained to RBI but even RBI supported bank and held me responsible and now bank also closed and rejected my claim and that shadow reversal also has been reversed by them..what shall I do?
Ans: I'm truly sorry to hear about your experience with this fraud. Cyber scams, especially in the name of part-time jobs, have become increasingly common. While you've followed the required steps, the response from the bank and RBI can be frustrating. Here’s a structured approach to help you pursue your case further:

1. File an FIR with the Cyber Crime Police Station
Since you've already filed a police complaint, ensure it’s registered as an FIR (First Information Report) if it wasn’t initially.

Visit the Cyber Crime Police Station in your city or use the National Cyber Crime Reporting Portal (cybercrime.gov.in). Online reports are also possible.

Cyber crime units often coordinate directly with banks, so they might offer additional support. The sooner they receive the full complaint, the better the chance to trace the transaction trail.

2. Gather Complete Documentation
Compile all relevant documents: initial complaints to the bank, emails, SMS messages, screenshots of Telegram conversations, bank statements showing the transaction, RBI complaint letters, and any other related correspondence.

This documentation will provide a thorough record of events, which is helpful for authorities and any additional escalations you make.

3. Escalate with the Banking Ombudsman
File a complaint with the Banking Ombudsman under the Reserve Bank of India if you haven't done so already. This is a separate avenue that might yield a different result.

To initiate, visit the RBI’s Banking Ombudsman page and follow the complaint process. Ensure your complaint is detailed, mentioning dates, bank interactions, and the specific RBI guidelines under which you initially acted.

4. Send a Legal Notice to the Bank
If the Banking Ombudsman process does not yield results, you may consider sending a legal notice to the bank. This may compel them to reconsider their stance.

Contact a lawyer who specializes in consumer or banking matters. The lawyer will draft a legal notice mentioning the bank's failure to act as per the initial commitment made by the branch manager.

Sometimes, this step pushes banks to act, as they prefer to avoid further legal disputes.

5. Approach the Consumer Forum
If the above steps don’t help, you may consider filing a complaint with the Consumer Disputes Redressal Forum in your district or state.

Since you suffered financial loss due to what may be considered negligence or delay from the bank's side, the Consumer Forum might provide some relief or compensation.

Provide all documentation and details, especially focusing on the timeline of events and the initial shadow reversal placed on your account.

6. Alert the Cyber Cell and RBI Ombudsman about Fraud Trends
To help prevent further fraud, report this Telegram scam with details to the Cyber Cell and the RBI fraud department. This may lead to a warning to banks about specific types of scams, potentially benefitting other customers in the future.
7. Stay Cautious of Follow-up Scams
Fraudsters sometimes target those affected by previous scams with promises of refunds. Stay cautious about any unsolicited communication that claims to assist with recovering the funds for an additional fee or transaction.
Finally: Be persistent and patient as you follow each step. Given the increasing number of cyber fraud cases, authorities are becoming more proactive in tackling these issues, but the process can be lengthy.

Best of luck with your efforts, and I hope your funds are recovered soon.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Anu

Anu Krishna  |1272 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 06, 2024

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Relationship
Hi my son 36 year old having some bed habits like drinking , smoking ,having relationship with other females, have habits of argument with everyone , unable compromise with different circumstances and try to prove himself right all the times. Due to these habits he unable to do job , he already left 2-3 jobs in past . he got married in 2018 with same age of working female. Both were separately in other city from day of marriage. Due to his habits they took divorce in 2024. Even after that he did not changed , continue with his bed habits. Being parent when we tried to make him understand but nothing change in his habits. Now he is job less last 2 months , sitting ideal at home hole day , evening go out and come back home very late , some time early morning. As parents we are very upset and scare , don't know what to do and how to handle this situation.
Ans: Dear Rajbir,
Your son has forgotten that he is a grown-up and has challenges accepting responsibilities for himself.
So, to remind him that he is a grown-up, kindly set up an appointment with a professional who can not just identify the root cause of the issue and guide him to a place of confidence so that he can act his age.
The thing that you can do immediately which may work is to ask someone else in the family who is similar in age to your son to have a chat with him and find out what is going on...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1272 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 06, 2024

Asked by Anonymous - Nov 04, 2024Hindi
Listen
Relationship
I am a father of two young daughters aged 5 and 3. I and my wife got love married and post marriage things began to fall apart. The relationship is not where I have done any physical abuse as we see generally posted in this group . But the issue is more of the individual viewpoints and hence arguments. For every action I take there are reverse opinions and which ends with a feud which takes a lot of mental toll on me and my wife. So considering what we are going through we decided to seperate in good terms. But I am worried about how this will impact my kids. When separating, obviously I will have to stay seperate and I will not be able to meet and play with my kids like I do daily today. Best case would be weekends where I can spend my maximum time with them. Along with this the other concern is if either of us want to get into another relationship or dating, how best can we do along with co parenting? We both are 35 yrs old
Ans: Dear Anonymous,
It is unfortunate that you both have decided to separate; but now having taken that step, it would be a good idea for both of you to actually have an honest discussion on 'How to Co-parent'. Each couple does it in their own way BUT there are a few pointers that is a MUST DO:
- Make your children a priority; co-parenting is about them and not the two of you
- Make sure that the two of you don't bring in your agenda to be conveyed through the children
- Be respectful of one another when in front of the children so that they don't pick off from the vibes
- Keep the other parent always in the loop about things that concerns the children
- Keep your word on time committed that will support the other parent
- If there is a new relationship that either parent is exploring, when it gets serious, do share that with the other parent so that they will know how to handle the children's questions

The list can go on...but always be sure that you pursue co-parenting from a space of mutual trust, respect and understanding.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Pushpa

Pushpa R  |25 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Nov 06, 2024

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Health
Hi Pushpa, I am 52 Year old never married single. During childhood I had a practice of yogasanas through RSS. But now had a big break. How can I start it again? I have knee pain. Also advise me for financial success and career success as I have under performing career irrespective my 4 Post Graduations qualifications. Thank you. Regards Hanumanth
Ans: Starting yoga again at 52 is a great step toward revitalizing both body and mind. With your early background, you’ll find reconnecting with the practice rewarding. Here’s how to start safely, given your knee pain, and work toward your goals:

Gentle Yoga for Joint Support: Begin with poses like Sukhasana (Easy Pose) for meditation and Bhujangasana (Cobra Pose) to strengthen the back without straining the knees. Chair yoga may also be useful to protect your joints.

Law of Attraction Meditation: Daily visualization meditation can be powerful for career and financial goals. Imagine yourself achieving success, feeling confident and fulfilled. When done consistently, this “law of attraction” meditation builds a positive mindset and aligns your thoughts with your goals.

Pranayama (Breathing Exercises): Practicing Anulom Vilom (Alternate Nostril Breathing) increases focus and clarity, which supports mental well-being and career decision-making.

Partnering with a coach will help you practice safely and effectively, ensuring every step aligns with your body’s needs. With proper guidance, yoga and meditation can inspire growth in every area of life.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

...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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