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59-Year-Old Man Experiences Backache and Fatigue - Seeking Advice

Nidhi Gupta |199 Answers |Ask -Follow

Physiotherapist - Answered on Feb 04, 2025

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

Question by GOPAL on Dec 28, 2024Hindi

Health

Sir My age is 59 years .I have backache for one year .So I get tired soon when I sit for long time, Pls advise me.

Ans: Hello Gopal,
I need to understand the cause of your backpain. Is it due to bone degeneration, slipped disc, muscle spasm etc.
Is your vitamin D3 and B12 levels ok? Have you taken treatment for your back with an orthopedic or physiotherapist?
Back ache is the symptom-we need to always know the cause first to be able to help.
Generally it is good to get up every 1 hour from sitting posture and walk around and stretch a bit to avoid backache. Also core muscles strengthening can help a lot.
So please go to a physiotherapist once if not gone already and they can guide you towards a stronger back.
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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Question by Rocky - Jun 13, 2023Hindi

Health

I'm having lower back pain for 6months,i work in mnc, so I have to sit for 9-10 hrs. I have completed 2 yrs in this mnc, but I the pain starts from last 6months.

Ans: Hi Rocky,
Thank you for writing to us. If the pain is persistent since 6 months you could get an X-ray to get a clear idea of what has happened so a treatment plan could be outlined accordingly.

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Ramalingam Kalirajan |7953 Answers |Ask -Follow

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

Asked by Anonymous - Feb 13, 2025Hindi

Money

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

Inderpaul Singh |10 Answers |Ask -Follow

Leadership Coach - Answered on Feb 13, 2025

Question by SABU - Jan 03, 2025Hindi

Career

sir I am at 49. A last grade employee under the govt. of kerala draws a salary total 35000. I have got three post graduation, BEd and LLB. I am faculty of English for competitive examination. I wish to quit the govt. job and practice law. will it be a wise decision. I have no other source of income except income from teaching. please advise me.

Ans: Hello Sabu
You have not mentioned your motivation to look for career change at this juncture of your life.
Is it out of passion, money or something else?
Idly, if one can afford, a parallel switch is most advisable & least disruptive. Means you should parallelly start small steps in new area & gradually switch over rather an abrupt one shot change.
As mentioned, deeper details of your thought process/circumstances will help a more precise revert.
All the Best !
Major Inderpaul
HR Expert, Career & Relationship Coach

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Entrepreneurship Expert - Answered on Feb 13, 2025

Question by Heman - Jan 20, 2025Hindi

Career

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.

T S Khurana |345 Answers |Ask -Follow

Tax Expert - Answered on Feb 13, 2025

Question by Gvbk - Dec 04, 2024Hindi

Money

I want to sell my 2900 sft for 2.03 crores. I purchased it on 01/12/2009 for 9317170 lakh including registration fees. What would be capital gain tax? With indexation and without. Thank you.

Ans: LTCG with Indexation may result in a Loss (LTCL - Long Term Capital Loss) & hence no tax payable. You may opt for the same. It is however subject to the F/Y 2024-25.
Most welcome for any further clarifications. Thanks.

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Insurance, Stocks, MF, PF Expert - Answered on Feb 13, 2025

Question by Ravindra - Feb 12, 2025Hindi

Money

Can I change my plan from star FOH to Star Assure. In plan migration form What I write in PED column. my policy number was taken on 19 February 2021, in the first week of March 2021 suddenly my blood pressure increased, due to which the doctor asked me to undergo angiography. After that the doctor asked to do angioplasty immediately and thus on 18 March 2021 I got angioplasty done. Now I am completely healthy, since my illness occurred within 31 days of taking the policy, company agent told me that there is no provision to cover any health related problem within 31 days. Company agent told me that there is no provision to declare any illness midway. Now I am completely healthy. Company not include my above mentioned health condition in my policy. And compny given me reply "Dear Mr. Jain, We acknowledge the receipt of your mail. With reference to our previous telcon, this is to inform that any disease or ailment/illness if found after inception of policy. It is not required to disclose under policy. But if you still wish to disclose the disease then kindly find the attached PED inclusion form, fill and submit us for further evaluation. Note : To note the disease in the policy PED form is mandatory. We request you to provide the Medical reports/ Discharge summary /any relevant /First consultation paper / medical document of the said procedure/diagnosis, which shall be kept for our reference. " What can I do.

Ans: Hello;

Regarding plan migration feasibility you may check with your insurer/insurance agent.

If you want to inform the insurer about your later acquired illness you may furnish the details to them as per their requirement and check their feedback on the same.

Their feedback will decide your next course of action.

Best wishes;

T S Khurana |345 Answers |Ask -Follow

Tax Expert - Answered on Feb 13, 2025

Question by Divyadharshini - Nov 16, 2024Hindi

Money

I sell a plot and use it to construct a house , whereas the land in which I construct is in my son-in-laws name. I guess this will not be eligible for capital gains exemption. Please confirm this.

Ans: You are correct. You cannot claim exemption u/s 54 in this case.
Most welcome for any further clarifications. Thanks.

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Tax Expert - Answered on Feb 13, 2025

Asked by Anonymous - Feb 01, 2025Hindi

Money

After today's Budget by FM Which TAX regime to choose if Income is around 18 lacs PA. Having Home Loan Principal 1.50 Home loan Interest 2 lacs Other 80C - 1.50 lacs 80 D - 40K

Ans: Kindly make sure, that you are talking about above details for F/Y 2025-26 only.
Broadly speaking, New Tax Regime may be more suitable in this case.
Most welcome for any further clarifications. Thanks.

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Insurance, Stocks, MF, PF Expert - Answered on Feb 13, 2025

Question by Abhijeet - Feb 13, 2025Hindi

Money

Quant ELSS Tax Saver Fund Direct Growth ICICI Prudential Equity & Debt Fund Direct Growth Nippon India Small Cap Fund Direct Growth Mirae Asset Large & Midcap Fund Direct Growth SBI Long Term Equity Fund Direct Plan Growth Motilal Oswal Midcap Fund Direct Growth JM Flexicap Fund Direct Plan Growth Quant ELSS Tax Saver Fund Direct Growth SBI PSU Direct Plan Growth These are my MF list. I started investing 3 months ago and my current XIRR is -24%. Should I change the fund allocations and what should be my ideal investment categories considering 10k monthly investment. I’m planning for long term investments for more than 7-10 years

Ans: Hello;

For your monthly sip (10 K) you just need to invest in a multi asset allocation fund for your investment horizon.

My view is markets may be volatile in the short to medium term.

It is recommended with a view to have lower risk with decent returns.

Best wishes;

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Tax Expert - Answered on Feb 13, 2025

Question by Rakesh - Jan 17, 2025Hindi

Money

Sir, on 29/02/2024 I had filed an updated Return for the A.Y. 22-23 by correcting all the data and also paid the additional tax liability with 25% penalty. But now i received a demand notice u/s 156 & that contains only the intimation u/s 143(1). That intimation shows that all tax calculation is ok except interest u/s 234B and so the tax payable arise. what can I do, shall i pay the demand amount or file a rectification for the same. And it has been more than 30 days on receipt of such demand notice.

Ans: It seems a case of Advance Tax, paid late.
Kindly check whether your tax calculations are correct, with reference to Advance Tax Provisions ? If the demand seems correct after checking & also if the amount is not much, just pay of the demand & go ahead.
Most welcome for any further clarifications. Thanks.

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Insurance, Stocks, MF, PF Expert - Answered on Feb 13, 2025

Question by tanmay - Feb 13, 2025Hindi

Money

Hello Sir/Madam, i am 36 years after a gap of several years at job due to personal reason i started new job from zero during covid time as i wanted to save money for future one of my friend advised for stocks i opened from 1 app,then got another app like this 3 different app i sing for stocks initially was stock was going up and since 4-5 month stock is not performing well and later on from 1 app i opened mutual fund of 2000,500 lke this which went to 14000 later on that also in red feeling so tension did i do mistake by opening mutual fund and stock without knowledge and doing research please advice me what should i do where will i get to learn about best stock and nutual fund and also please tell me should i close all the 3 app(groww,dhani app,5 paisa) one app 5 paisa is unnecessary charging me AMC charging without doing any transaction every three month and on that taking penalty with interest.Please help me

Ans: Hello;

Trading in stocks just based on tips, without adequate knowledge, is akin to playing with fire.

For mutual fund investments you don't need demat and trading account.

You need guidance from a certified financial planner or an investment advisor to handhold you in your investment journey.

Best wishes;
X: @mars_invest

See more questions »

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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