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Nidhi

Nidhi Gupta  |199 Answers  |Ask -

Physiotherapist - Answered on Feb 02, 2024

Nidhi Bajaj Gupta has 20 years of experience as a physiotherapist.
She founded the Merahki Holistic Wellness Company in 2011 and is the co-founder of Miraaya Holistic Growth Centre.
She has a bachelor's degree in physiotherapy from Sancheti Institute for Orthopaedics and Rehabilitation, Pune, and certifications in myofascial release, dry needling and craniosacral therapy from New York, San Francisco and Singapore.
She combines both Eastern and Western ways of healing. ... more
Jadhav Question by Jadhav on Jan 08, 2024Hindi
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I am 63-year-old person undergone Knee replacement Robotic surgery on 11th Sept 2023. While walking there is severe pain in right knee & both the knee swells hence can't exercise properly.

Ans: Hello Jadhav,
What reason is your orthopedic surgeon giving for the knee pain and swelling?
Are you doing physiotherapy sessions?
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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Nidhi

Nidhi Gupta  |199 Answers  |Ask -

Physiotherapist - Answered on Jul 08, 2024

Asked by Anonymous - Jun 24, 2024Hindi
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Hello Dr Nidhi, Dr Shakib and Dr shreya Had an accident 1.5 yrs back. I had a small fracture with z bone where legaments attached on backside of knee.Also i had dislocation of 5mm of leg below knee. I was treated with belt for whole leg PTS brace for 4 weeks then PCL/CI Brace for next 3 weeks alongwith gradual physiotheropy at home. But unfortunayely my legaments could not get strenth and I cannot walk as normal before. I have pains. I did Physiotheropy exercizes but could not do gym exercizes. I have kidney function issues creatnine 1.5 and protien 2 plus So I took ayurvedic medicines as was already taking for kidney issue. Also I am a vegetarian. I am really under tension as I cannot walk with normal speed as wrll as for long distance and perform other routine duties. Even my left knee has also giving pains since last 2 month and my low waist is also giving me much pain since last three months. Not done any exercise in last month. Pleasd give me proper guidance to recover. Thanks
Ans: Hello Anonymous,
For how long did you do the physiotherapy? Are you still continuing with the physiotherapy?
Have you done recent MRI?
Aqua-therapy which means doing exercises in water can help heal the knee very well. If possible for you please ask a certified aqua-physiotherapist or go to a center that has aqua-therapy and do exercises there in their pool. This will help you in developing proprioception which will strengthen the muscles around the knee very well. Also your core muscles need to be worked on.
Also please go to a good sports physio or a physio who does myofascial release. You may need therapies like cupping, dry needling, myofascial release rather than only conventional physio. That can help your waist pain and knee.
Warm regards,
Dr Nidhi Bajaj Gupta
Founder@ Merahki Holistic Wellness
Follow us on Insta: merahki_holisticwellness

..Read more

Pushpa

Pushpa R  |51 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Nov 11, 2024

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I am 70 years old. Since last month I am having swelling and severe pain in left knee.I have wear in both knees due to age. I practice yoga and exercise for almost whole life but due to this pain there are limitation in my workout and yoga .
Ans: Knee pain can be challenging, especially when it affects your daily yoga practice. At your age, it’s common for joints to wear down, which can lead to pain and swelling. While continuing to stay active is important, focusing on gentle, supportive movements will help.

Start with Gentle Knee-Strengthening Exercises like Ankle Pumps (raising and lowering the ankle while lying down) and Straight Leg Raises. These can help improve circulation and strengthen the muscles around the knee without putting strain on it.

Practicing Supported Chair Yoga can also be beneficial, as it reduces the load on your knees. For example, try Chair-assisted Forward Bends or gentle Twisting Poses to stretch and strengthen other parts of the body while keeping your knees safe. Simple Meditation and Pranayama (breathing exercises) can help manage pain by calming the mind and reducing tension.

It’s best to work with a yoga coach for personalized guidance. A coach can help you modify your practice safely and effectively, ensuring you stay active without worsening the pain.

Listen to your body, and take it slowly. Healing takes time and gentle care.

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

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Ramalingam

Ramalingam Kalirajan  |7953 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 13, 2025

Asked by Anonymous - Feb 13, 2025Hindi
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Why do Debt Funds offer lower returns as compared to Equity Mutual Funds?
Ans: Debt funds and equity mutual funds serve different purposes in an investor's portfolio. Debt funds offer stability and lower risk, while equity mutual funds focus on high growth with higher risk.

Below are the key reasons why debt funds provide lower returns than equity funds.

1. Nature of Underlying Investments
Debt funds invest in bonds, government securities, corporate debt, and fixed-income instruments.

These instruments provide fixed interest, leading to predictable but lower returns.

Equity mutual funds invest in company stocks, which have the potential for higher capital appreciation over time.

2. Risk-Return Tradeoff
Lower risk means lower return potential in debt funds.

Debt investments focus on preserving capital rather than aggressive growth.

Equities are volatile, but over the long term, they tend to generate higher returns.

3. Interest Rate Sensitivity
Debt fund returns depend on interest rate movements in the economy.

Rising interest rates reduce bond prices, lowering returns in debt funds.

Equity funds are less impacted by interest rate changes and benefit from economic growth.

4. Inflation-Adjusted Returns
Debt funds often fail to beat inflation in the long run.

Equity investments provide inflation-adjusted growth due to rising corporate earnings.

Holding equities for longer durations results in compounding benefits.

5. Growth Potential
Equities represent ownership in businesses that expand over time.

Business growth translates to higher share prices and higher returns.

Debt instruments provide fixed interest, which limits potential upside.

6. Tax Efficiency
Equity mutual funds enjoy lower long-term capital gains (LTCG) tax rates compared to debt funds.

Debt fund gains are taxed as per the investor’s income tax slab, reducing post-tax returns.

This tax treatment makes equities more attractive for long-term wealth creation.

7. Market Performance
During economic growth, companies generate higher profits, leading to higher equity returns.

Debt fund returns depend on interest rate cycles, making them less rewarding in growth periods.

Equities have historically outperformed debt over longer durations.

Finally
Debt funds provide safety and stability but offer lower returns.

Equity mutual funds outperform over time due to business expansion and compounding.

A well-balanced portfolio should include both debt and equity, based on financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Harsh

Harsh Bharwani  |75 Answers  |Ask -

Entrepreneurship Expert - Answered on Feb 13, 2025

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Sir I am a Engineer by profession snd working in Qatar. Same time i had Cost accountant Degree and passed out way back at 2009. After that no touch with Cost Accounts. Now i am 48 yrs and after few yrs i want to move back to India. But that time if want open a cost accounting firm, what would be the best move i can do to open the consulting firm?
Ans: Hello Mr. Heman,
Reestablishing your career in cost accounting and setting up a consulting firm in India requires careful planning. Start by updating your knowledge through ICAI’s continuing education programs, industry seminars, and professional courses to stay current with evolving regulations and industry practices. Reactivating your ICAI membership and obtaining a Certificate of Practice (CoP) is essential to offer consulting services legally. While still in Qatar, gaining practical exposure by offering freelance or part-time cost auditing or GST advisory services to Indian firms will help establish credibility.

Next, choose a suitable business structure - Sole Proprietorship, LLP, or Private Limited Company - based on your growth plans and compliance preferences. Register your firm with the Ministry of Corporate Affairs and obtain the necessary licenses. Conduct thorough market research to identify your target clients, understand industry needs, and define your service offerings, such as cost audits, financial consulting, and management advisory. A well-structured business plan with clear financial projections will help ensure long-term sustainability.

Investing in technology and infrastructure is crucial. Setting up a professional office, adopting modern accounting software, and leveraging cloud-based financial solutions will enhance efficiency. Building a strong professional network is equally important - reconnect with former colleagues, join industry associations, attend networking events, and establish a digital presence through a website and social media to attract clients.

Lastly, focus on compliance and quality assurance. Adhering to ICAI regulations, tax laws, and ethical standards is critical for maintaining credibility and trust. By systematically following these steps, you can successfully transition back into cost accounting and establish a reputable consulting firm in India, ensuring a stable and rewarding career.

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