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Nidhi

Nidhi Gupta  |204 Answers  |Ask -

Physiotherapist - Answered on Feb 20, 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
K Question by K on Feb 06, 2024Hindi
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Health

I am 68 year old retired person. Over all my health is ok and vital organs are functioning satisfactorily. One problem I am facing since last two years is whenever I sleep left side I get pain in the left side of the head. If unknowingly I sleep for hours together the pain migrtaes to left ear or even to other parts in left side. So I need to take pain relieving medicines in such cases. Earlier such cases used to be at larger intervels but now a days it is frequent. It also happens that some times I getup witha head ache(leftside).My BP is under control and is under medication. One doctor suggested consultation with neurologist.But before going to specialist I would get the opinion of a General physician if there is any medicine you can suggest.

Ans: Hello K,
This kind of pain could be related to muscle knots on left side of the neck. It is called as trigger points in the sternocleidomastoid or scalene muscle. If you can first visit a physiotherapist who does techniques like dry needling, cupping, myofascial release it may help you a lot.
We have had patients with similar issues and withing 5-6 sessions they are completely fine now.
Please read about sternocleidomastoid/scalene/trapezius trigger points and you will understand better.
All the best!
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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Ramalingam

Ramalingam Kalirajan  |9731 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Money
Im 43 with 1 lac in hand investing 15k in sip from last 5monts monthly expenses are 70K excluding SIP. Plan to buy a house which will cost 2cr. How do i go about and how much should i have by retirement and how do i make that money with the house buying plan etc
Ans: ? Current Financial Snapshot

– You are 43 years old. That gives around 15–17 years to build wealth.
– You have Rs.1 lakh in hand as lump sum.
– You are investing Rs.15,000 monthly through SIPs for 5 months.
– Your household expenses are Rs.70,000 monthly. SIP is not included in this amount.
– You plan to buy a house worth Rs.2 crore.
– You also want to plan for your retirement.

This is a good step. You are already disciplined with SIPs. Keep it up.

Let us now look at each goal deeply.

? House Purchase Plan of Rs.2 Crore

– Buying a Rs.2 crore house is a big decision.
– It will need a careful and strategic financial preparation.
– A typical home loan can go up to 75% to 80% of the house value.
– That means, minimum Rs.40 lakh as down payment is required.
– You will also need Rs.10–15 lakh for registration and interiors.
– So your total own fund requirement is around Rs.50–55 lakh.

Now let’s look at how you can reach that amount.

– You are already doing SIP of Rs.15,000 per month.
– If you increase it slowly over time, the corpus will grow faster.
– But SIP alone may not be enough for such a big goal in short time.
– You may need to consider a combination of savings, bonuses, and planned borrowings.
– Avoid using retirement funds for house purchase. Keep goals separate.
– Also, don’t delay too much, as property prices and costs may rise.

A Certified Financial Planner can help you do a home-buying readiness check.

? Loan Readiness and EMI Impact

– A Rs.1.5 crore loan for 20 years can have EMI near Rs.1.3 lakh.
– But your current monthly surplus is not enough to support that EMI.
– Your current monthly expense is Rs.70,000. SIP is Rs.15,000.
– So, total outgoing is Rs.85,000.
– Unless your income increases significantly, EMI pressure will be high.

Here's what you can do:

– Delay home purchase by few years and save aggressively till then.
– Build Rs.50–60 lakh for down payment and reduce loan amount.
– This will make EMI manageable and reduce interest burden.
– Keep EMIs within 40–45% of your income for comfort.
– Factor in property tax, maintenance, and insurance.

Be cautious. Don’t compromise on long-term wealth for short-term ownership.

? Retirement Planning Assessment

– You have about 17 years left for retirement.
– Monthly expense now is Rs.70,000. At 6% inflation, it may be Rs.2 lakh+ at retirement.
– So, you must create a good-sized retirement corpus.
– It must support you for 25–30 years post-retirement.
– Even without medical emergencies, retirement life needs a big corpus.

Here’s what you can do:

– Continue SIP of Rs.15,000. Increase it by 10% every year.
– Make retirement your primary goal. Home can wait a few years.
– Use mutual funds for long-term wealth creation.
– Choose diversified, actively managed funds for long-term growth.

Please avoid index funds. Index funds lack active risk control.
They follow the market. They don’t beat it.
They don’t have downside protection in falling markets.
An actively managed fund is handled by a skilled fund manager.
He/she can shift allocations based on market signals.
This brings better growth and lower risk over long term.

Also, don’t pick direct mutual funds on your own.
Direct plans may look cheaper. But they lack expert guidance.
Wrong fund selection can reduce long-term returns.
When you invest through a CFP and MFD in regular plans, you get:
– Right fund choices
– Periodic review
– Rebalancing help
– Goal alignment

That value is bigger than small cost difference.

? Protection and Emergency Fund Planning

– You didn’t mention insurance or emergency fund.
– That’s a major missing block in your financial plan.
– You must have term life cover of at least 15–20 times your income.
– Health insurance for all family members is a must.
– Also create emergency fund of 6–9 months of expenses.

This gives peace of mind and avoids breaking investments in crisis.

Buy pure term insurance. No ULIP or combo plans.
If you have LIC or ULIP plans, consider surrendering them.
Reinvest the surrender value into mutual funds.
Traditional policies give low returns. ULIPs have high charges.
They are not suitable for wealth creation.

? Expense and Budget Optimisation

– Monthly expenses of Rs.70,000 are reasonable if you earn well.
– But try to save at least 25–30% of income regularly.
– Create a smart monthly budget.
– Cut unnecessary spends.
– Avoid EMIs for lifestyle expenses.
– Increase SIPs every year as income grows.
– Avoid withdrawing from mutual funds for small needs.

Use every bonus or windfall to boost your SIP or emergency fund.

? Tax Planning Angle

– You must use tax-saving options smartly.
– ELSS mutual funds can save tax under 80C and grow your wealth.
– Avoid locking money in PPF, NSC, or traditional LIC policies.
– Invest in tax-saving instruments with long-term growth.

Know the latest mutual fund taxation:

– LTCG on equity funds above Rs.1.25 lakh taxed at 12.5%.
– STCG on equity taxed at 20%.
– Debt funds taxed as per your income slab.

Plan your withdrawals wisely to reduce tax.

? Children's Future and Other Goals

– You didn’t mention children. If you have kids, plan for their education too.
– Create separate funds for each goal. Don’t mix.
– A child's higher education cost can be Rs.50–80 lakh in future.
– Start early with SIPs in long-term funds.

That way, your goals won’t collide. And your retirement won’t suffer.

? Asset Allocation Planning

– Right mix of assets is key for wealth creation.
– For your age and goals, equity should be 60–70%.
– Balance in debt and liquid funds for short-term and emergency needs.
– Avoid gold, real estate, or FDs for long-term growth.
– Real estate locks money. Has high entry-exit costs.
– FDs don’t beat inflation after tax.

Your asset mix must change as you near retirement.
Shift gradually from high risk to safety.
A CFP can guide you with regular reviews.

? Monthly Action Plan

– Track income, expense, and surplus monthly.
– Increase SIP by 10% every year.
– Build Rs.5–10 lakh emergency fund in liquid funds.
– Review term and health insurance.
– Avoid new loans till home loan starts.
– Don’t stop SIPs for short-term purchases.
– Invest bonuses in lump sum into mutual funds.
– Use regular plans through an MFD backed by CFP.

This monthly habit creates solid financial discipline.

? What You Should Not Do

– Don’t rush to buy property now with low savings.
– Don’t break mutual fund SIPs to pay EMIs.
– Don’t depend on employer-provided health cover only.
– Don’t invest in index funds. They have no active control or judgement.
– Don’t invest in direct mutual funds without a qualified guide.
– Don’t rely on LIC policies or endowments for wealth building.
– Don’t skip emergency fund or insurance.

These mistakes can hurt long-term financial freedom.

? Finally

– You have taken the right steps by starting SIP and planning early.
– Be consistent, and review yearly with a CFP.
– Prioritise retirement. House can be managed with better preparation.
– Keep personal finance simple and goal-driven.
– Long-term discipline brings big rewards.
– Don’t chase short-term returns or risky trends.

Money is a tool, not a goal. Use it wisely. Build peace, not just assets.

Wishing you a safe, smart, and strong financial future.

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

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Nayagam P

Nayagam P P  |8821 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Career
I am a student from odisha. I have scored 94.45%ile in jee mains and i am unsure what i can get with this score. I was alloted in NIFTEM Thanjavur through josaa and got CSE in VSSUT BURLA. Should i wait for CSAB round or go with any of these ?
Ans: With a 94.45 percentile in JEE Main representing an all-India rank near 120 000–140 000, your son’s current allotments—B.Tech at NIFTEM Thanjavur and CSE at VSSUT Burla—offer credible pathways. NIFTEM Thanjavur’s B.Tech reports a 66.7% placement rate with a median package of ?3.65 LPA over the past three years, backed by its Institute of National Importance status, specialized food-processing labs, and industry linkages. VSSUT Burla’s CSE achieves a 70–75% placement consistency, average packages between ?4–6 LPA, modern computing infrastructure, and strong core-engineering recruiter engagement. CSAB rounds for CSE at NITs and IIITs typically close by ranks below 40 000 for low-tier NITs and under 55 000 for IIITs, rendering admission through CSAB unlikely given your son’s rank. Alternatives include accepting one of the existing seats or pursuing lateral-entry diploma-to-degree options in premier institutes if CSAB options fail.

Recommendation: Accept the VSSUT Burla CSE seat to leverage its higher placement rate, dedicated computing facilities and Odisha domicile advantage; reserve NIFTEM Thanjavur as a strong fallback in agro-technology; bypass CSAB for CSE given low probability, and explore lateral-entry engineering pathways for greater flexibility. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8821 Answers  |Ask -

Career Counsellor - Answered on Jul 15, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Career
Sir my son with a ranking of 24294 In the 2b category Which engineering colleges are possible and best in cs in the first five preference order Our residence is Bangalore sir Kindly guide
Ans: (I assumed your son appeared for KCET Exam). With a KCET rank of 24 294 in the 2BG category, your son has certain admission to the CSE branch at several reputable Bangalore institutes whose 2024 closing ranks exceeded this mark. All listed colleges are AICTE-approved, NBA/NAAC-accredited, feature modern computing and AI/ML labs, experienced faculty, strong industry tie-ups and placement cells recording 70–85% branch-wise placement consistency over the past three years. Global Academy of Technology, Rajarajeshwari Nagar, Bangalore. East West Institute of Technology, BEL Layout, Bangalore. CMR Institute of Technology, Varthur, Bangalore. RNS Institute of Technology, Bangalore. New Horizon College of Engineering, Marathahalli, Bangalore. Presidency University, Bangalore. Impact College of Engineering & Applied Sciences, Sahakar Nagar, Bangalore. REVA University, Yelahanka, Bangalore. Acharya Institute of Technology, Soladevanahalli, Bangalore. Atria Institute of Technology, Hebbal, Bangalore.

Recommendation: Global Academy of Technology, Rajarajeshwari Nagar, Bangalore offers the most balanced combination of modern AI/ML infrastructure and placement consistency. CMR Institute of Technology, Varthur, Bangalore stands out for its focused CSE curriculum and strong local industry ties. East West Institute of Technology, BEL Layout, Bangalore provides reliable admissions, robust labs and steady recruiter engagement. All the BEST for Admission & a 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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