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Roopashree Sharma | Answer |Ask -Follow

Yoga, Naturopathy Expert - Answered on Mar 15, 2023

Roopashree Sharma, a qualified yoga trainer and naturopathy enthusiast, is the founder of Atharvanlife.
She has completed her diploma in naturopathic medicine/naturopathy from DY Patil University and her advanced diploma in yoga teacher training/yoga therapy from the university of Mumbai.... more

Question by Shambit on Mar 15, 2023Hindi

Health

I am 40 and I am not able to sleep before 2 am.. no matter how hard I try. Please help.

Ans: Hi, will need more details about your lifestyle profession and diet.

DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.

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Roopashree Sharma | Answer |Ask -Follow

Yoga, Naturopathy Expert - Answered on Mar 30, 2023

Asked by Anonymous - Mar 16, 2023Hindi

Health

I am 63, Have dinner before 7pm, I sleep at 10pm and Before sleeping I do before breathing excercise. I get sound sleep till 2 to 3am. But after that I have difficulty in sleeping back.

Ans: Hi,
Your eating and sleep habits are perfect and if you are getting deep sleep for 4-5 hours, it is okay to wake up around 3-4AM (brahma muhurat). It is actually considered an ideal time to wake up, do morning routine, practice meditation, go for a light stroll around 5AM. If you feel sleepy in the afternoon, it's okay to take a nap for 1-2 hrs.

Roopashree Sharma | Answer |Ask -Follow

Yoga, Naturopathy Expert - Answered on Mar 17, 2023

Question by dalip - Mar 16, 2023Hindi

Health

I am 69 years old and i cant fall asleep and i am just waiting for it for as long as 3to 4 hours daily night .

Ans: You can try this relaxation technique, put 2-3 drops cows ghee in nose before going to sleep. Hope you are following the basics and eating early dinner, at least 2-3 hours before going to bed.

Roopashree Sharma | Answer |Ask -Follow

Yoga, Naturopathy Expert - Answered on Mar 17, 2023

Asked by Anonymous - Mar 17, 2023Hindi

Health

I am 42 years old and for last 10 months have been getting only 3-4 hours of continuous sleep at night. Then I can't sleep and waste my time trying to and then feel tired the whole day. I can squeeze another 1-2 hours after 2 hours gap if I have alcohol, but don't want to get dependent. I am able to sleep at 10 pm though and have tried calming medicines like ashwagandha as well but hasn't helped much. Please help as it is causing symptoms of depression in me now.

Ans: Sleep depends upon your general lifestyle if you are having a sedentary lifestyle your sleep pattern will be hampered. Erratic sleep pattern could be a symptom of any mental or physical health issues.
You should visit a naturopath or Ayurveda professional for a proper diagnose to identify the cause rather than treating the symptoms.

Roopashree Sharma | Answer |Ask -Follow

Yoga, Naturopathy Expert - Answered on Mar 20, 2023

Question by Samar - Mar 18, 2023Hindi

Health

Hi Roopashree, I am 46 now. Come back from work around 10 pm in the night everyday. I have my dinner early in the evening around 7. iI try to sleep but struggles for 1-2 hours every day even some time Upto 4 am. Other days I get wake up in the middle if go little early around 11. Please give some advice.

Ans: It's a good that you are eating early, hope you don't snack (not even fruits) after dinner especially during the late night hours. Since you get home at a late hour, I suggest don't go straight to bed, give at least 1-2 hrs. for the body to unwind. You can have a quick bath before going to bed to further relax the mind and body.

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Purshotam Lal |84 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Mar 09, 2026

Question by Chidambaram - Jan 02, 2026Hindi

Money

Dear Sir, Im 53 yrs old now, i would like to know, in SBI Life Policies, what are the best beneficial wealth policies as well as with Sudden Death Protection, which suits my age and income source salary is 10L /Annum.. thanks, from Chennai

Ans: Best suited / beneficial policies for wealth creation should be ULIP Policy ie. Unit Linked Insurance Plan which combines Term Cover as well invest balance in a selected portfolio plan with varying proportion or asset-allocation to Equity, Debt and Money Market instruments as per your risk-profile. Please consult a Certified Financial Planner or Advisor.

Purshotam, CFP®, MBA, CAIIB, FIII
Certified Financial Planner
Insurance advisor
www.finphoenixinvest.com

Purshotam Lal |84 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Mar 09, 2026

Question by Venkatesh - Feb 19, 2026Hindi

Money

purchased a property worth 1.6Cr. Taken a EMI through a bank. They have deducted a life insurance premium worth of Rs. 1,30,000/- . My question is if I change the banker, my premium may get shifted to the borrower bank or I have to pay again for the life insurance?

Ans: If it is a one time insurance premium then Insurance company refunds the pro-rate premium charged for future period of loan being shifted to other Bank. If premium is regular premium then there is no problem and you can have a new policy with the Bank where you have shifted the loan. This is the normal practice. Rest you enquire from your Banker.

Warm Regards,

Purshotam, CFP®, MBA, CAIIB, FIII
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Dating, Relationships Expert - Answered on Mar 09, 2026

Asked by Anonymous - Mar 09, 2026Hindi

Relationship

I don't believe in marriage but my partner does. He is 37, I am 32. We have been dating for 12 years and known each other as friends. Every time one of our friends get married, he tells me we should get married too. It sounds cute to my friends and family but I don't feel the need for it. We are good as a couple, we are there for each other. Everyone I know is aware that we are a couple. I don't mind moving in with him. But marriage is very complicated. I don't want that label to ruin what is beautiful between us. How do I convince him that we can love each other without getting married?

Ans: Dear Anonymous,
You are right, it is entirely possible to love each other forever without labelling it as a marriage but he is also right to want a commitment that is on paper as well. This is one of those situations where neither of you is wrong. You can try and explain your side in case your partner gets serious about getting married, but trying to convince him to give up what he wants is not fair. It is a tricky situation but I believe that clear communication from right now can dodge some unnecessary complications which might arise once your partner doesn’t just say “we should get married too” and moves on to “will you marry me?” Please have an open discussion about your views on marriage and his, and try to find a middle ground so that your relationship does not get affected.

Best Wishes.

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Career Counsellor - Answered on Mar 09, 2026

Question by Keshav - Mar 09, 2026Hindi

Career

Hello sir Maine 2022- physics chemistry maths without English complete Kiya (UP BOARD) 2024- private se english kiya (UP BOARD) Uske baad mujhe neet dene ka man hua to 2026- is year BIO private (Up Board) se kar rha hu exam feb me ho gaye hai abhi march me neet ka form aagaye hai , kya mai eligible hu Filhal maine jee mains dekar 2023 me btech me admission liya tha abhi mai 3rd year me hu , mai neet dena chahta hu please clear and correct bataiye

Ans: Keshav,
Yes, you're eligible for NEET 2026. UP Board private exams count as valid 12th equivalent with PCB+English (Code 02)—Bio results post-Feb exams will confirm marks (need 50% aggregate PCB for general). BTech doesn't bar you; there is no attempt/upper age limit. However, I advise you to continue your BTech—don't drop UNTIL you secure a confirmed medical college seat via NEET. Switching streams midway is risky; keep options open and think hard before quitting engineering for medicine. ALL the BEST for Your Prosperous Future!

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Nayagam P P |10939 Answers |Ask -Follow

Career Counsellor - Answered on Mar 09, 2026

Asked by Anonymous - Mar 07, 2026Hindi

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Student was failed in class 12th in 2024 and 2025 into some health issues and the fastest class 12 in 2026 would he will be eligible for JEE advanced 2027

Ans: Answered your question here: https://gurus.rediff.com/question/qdtl/career/main-2023-11-pass-ka-hai-aur-2026-se-nios/5249849

Samraat Jadhav |2557 Answers |Ask -Follow

Stock Market Expert - Answered on Mar 09, 2026

Asked by Anonymous - Mar 07, 2026Hindi

Money

What is the prospect of ICICIAMC Stock ???

Ans: future prospects are good as mutual fund business in India is flourishing and icici has good product innovation. Its good to add in this panic times

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Stock Market Expert - Answered on Mar 09, 2026

Asked by Anonymous - Mar 08, 2026Hindi

Money

Mere pass gtl infrastructure ke 13000 share he mujhe aaj ke din 10400 ka loss he mujhe kya Krna chahiye

Ans: exit karlo, ye comapny jitna kamati hain usse jyada tho byaj dena padta hain. Exit and buy quality company.

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Career Counsellor - Answered on Mar 09, 2026

Asked by Anonymous - Mar 07, 2026Hindi

Career

I am pcb stream student currently 20 year old my father is a mutual fund distributor and I want to do the same job can any one help me how I can become better and should I do cfa or cfp

Ans: Before addressing your question, I’d like to share something from my experience working with students and parents. Choosing a career similar to your father’s is perfectly fine—but only if you are genuinely passionate about the financial investment field. It should be your interest, not just a family expectation. Now, let’s come to your question.
Go for Certified Financial Planner (CFP) to excel as a mutual fund distributor like your dad. CFP focuses on client financial planning—perfect for selling funds, building trust, and growing your practice in India—while CFA dives deep into investment analysis better for portfolio management jobs. CFP is quicker (months vs. years), cheaper, and directly boosts distributor credibility with clients and Asset Management Companies like HDFC, SBI, etc. First, pass NISM V-A: Mutual Fund Distributors Certification Examination (mandatory, easy entry post-12th) of the National Institute of Securities Markets. However, you must possess the following key skills: communication to explain funds simply, financial acumen for product picks, and also relationship-building for repeat business. ALL the BEST for Your Prosperous Future!

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Nayagam P P |10939 Answers |Ask -Follow

Career Counsellor - Answered on Mar 09, 2026

Asked by Anonymous - Mar 08, 2026Hindi

Career

Sir main 2023 me 11 pass ka hai aur me 2026 se nios de 12 duga to mai 2027 ka jee advanced ka paper de Sakta hu

Ans: Haan, bilkul de sakta hai 2027 ka JEE Advanced. NIOS 12th 2026 pass karne pe first attempt 2027 mein milega (NIOS valid hai). Bas JEE Main top 2.5L rank laana aur age limit follow karna. Official rules confirm karte hain—no issue with the 11th gap. Aapke khushhaal bhavishya ke liye dil se shubhkaamnaayein!

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Nayagam P P |10939 Answers |Ask -Follow

Career Counsellor - Answered on Mar 09, 2026

Asked by Anonymous - Mar 08, 2026Hindi

Career

i passed my 12th hsc (pcb) in 2024 without maths, and this year as in 2026 i appeared for maths isolated in hope that i would be eligible for maths based courses in all the IISERS. And i saw one of my friends’ isolated subjects’ marksheet and it doesn’t show that she had pcb or that she has given boards in 2024, it just shows maths without any percentage. So now that while filling my application i would say i’m appearing cause i’m still waiting for my maths results, my question is would it be enough for me to upload my isolated marksheet when my result comes or would i not be eligible for any IISERS at all. And that how would they know that i gave pcb subjects in 2024?

Ans: Yes, you're eligible for all IISERs. Upload both your 2024 PCB marksheet and isolated Maths marksheet (as improvement/additional) in the application. IISER verifies subjects via uploaded documents, not the marksheet alone. ALL the BEST for Your Prosperous Future!

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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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