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Dr Archana Bajaj | Answer |Ask -Follow

Gynaecologist, Obstetrician, IVF Expert - Answered on Feb 16, 2023

Dr Archana Dhawan Bajaj is an infertility specialist with over two decades of experience in IVF and reproductive medicine.
She founded The Nurture IVF Clinic in New Delhi in 2003.
Dr Bajaj has completed her MBBS from Maulana Azad Medical College and has a diploma in gynaecology and obstetrics and DNB (obstetrics and gynaecology) from the Sir Ganga Ram Hospital.
She has an MMSc degree in assisted reproductive technology from the University of Nottingham, UK.... more

Asked by Anonymous - Jan 19, 2023Hindi

Health

Hi Dr I had my first child at 31. My son is 6 years old now. I would like to try for a second child. Do you think it would be okay? How can I check and ensure I have a healthy pregnancy? Will my age be a factor in the health of the second child?

Ans: 31 seems to be an appropriate age for sure to plan the next baby. Since you are beyond 30 years of age, it would be worth while doing a basic health checkup around your hormones and basic sugar levels, vitamin D B12 and hemoglobin levels before planning the pregnancy starting folic acid supplementation. Would be appropriate. Stopping any kind of recreational drugs, smoking or alcohol and bit of lifestyle optimization like increasing proteins, fresh fruits, green vegetables, nuts, seeds and berries and the diet and starting some form of exercise would be useful. To ensure a smooth pregnancy.
Anti-mullerian hormone or AMH levels prior to planning a pregnancy will be helpful in discerning the fertility, the probability of getting pregnant and also. Appropriate or good image levels usually ensure a healthy pregnancy during pregnancy screening of the baby with a Nuchal translucency and nasal bone or level one scan bit around 12 weeks, a double marker subsequent to the scan if need be. A NIPT screening and a level 2 ultrasound usually, or level 2 ultrasound or an anomaly scan usually ensure that the fetus is more or less normal. If any other advanced investigation is needed, that too can be done during pregnancy. To ensure the the health of the baby.

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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Dr Hemalata Arora | Answer |Ask -Follow

General Physician - Answered on Jul 05, 2023

Question by Hemant - Apr 06, 2023Hindi

Health

Hi i m 41 yers old and my wife is 40 .we have one child. We planned next kid one year back but after 7 month my wife got some complications and after doctors advise we abort that ..now i want another chance but my wife not ready ..she is always wory about age. Can we plan or not or it will any difficulty in delivery. Please guide us. Thanks.

Ans: Hello. It is true that with increased maternal age chances of birth defects in the child are higher, however, we now have very good methods of checking for these defects early on and taking preventive action one way or another. If both of you are desirous of another child, I would say it is quite safe to try in the next 2-3 years also. All the best!

Anu Krishna |1549 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jun 17, 2024

Asked by Anonymous - Jun 16, 2024Hindi

Relationship

I'm married having 2 male kids my age is 28 my wife age is 22 .i would like to have 3 more kids (2 male kids and 1 female kid ).when can I plan for next baby ??pls advise me for 3 more babies .

Ans: Dear Anonymous,
Why on Earth would you want more kids? I wonder how you plan on beaing inflation and provide for their growing needs, education and other financial commitments, of course unless you are a very wealthy person and you can afford it.
What's with 2 male and 1 female kid? Just saying; gender determination tests are illegal and is a punishable offense in India.

Okay, what does your wife have to say about it? She's 22 and already a mother to 2 boys...does she want any more children? This is something that the two of you must discuss...
You need to look at your financials and then also speak with your wife on if she would want to spend at least one decade giving birth and 2 more decades raising all of them. You know, it's nice to be surrounded by a lot of children Sir, and that's why nieces and nephews came along...

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

Dr Nandita Palshetkar | Answer |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 04, 2024

Asked by Anonymous - Oct 10, 2024Hindi

Health

I am 41 and my husband is 45. After 3 miscarriages, we are having our first baby after 10 years of marriage. I am scared and anxious because of my age. Will there be any complications to the baby? My gynaec has advised some genetic tests but I am worried about the results. How can we ensure to have a safe delivery for a healthy baby?

Ans: Since you are 41 years old, had three previous miscarriages, and were conceiving after ten years, there were certain measures that needed to be taken.
1) To have a BOH profile completed in order to gain insight into specific blood characteristics that aid in determining whether aspirin or low molecular weight heparin (blood thinner) is necessary.
2) Taking age into account, keeping an eye on blood pressure, blood sugar, and weight growth during pregnancy
3) To use an early screening scan for routine screening to find any type of congenital abnormality, use an anomaly scan or NT scan with dual markers.
4) To use nipt for accurate trisomy 21, 13, and 18 diagnoses
5) To do routine prenatal screenings with routine blood work and scans
6. To keep up wholesome eating practices. Protein supplements or a high-protein diet in the form of powder or biscuits.
7) To practice meditation yoga. Breathing techniques to preserve mental health
8) To adhere to your obstetricians' advice on the choice between vaginal birth and elective LSCs
9) To take multivitamins together with iron and calcium supplements.
10) To finish the influvac and tetanua vaccination program with booster shots

Latest Questions

Ramalingam Kalirajan |8102 Answers |Ask -Follow

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

Asked by Anonymous - Mar 15, 2025Hindi

Money

Hello sir, I am 50 age and investing in the below funds by sip mode: Nippon india large cap - 2000 pm Nippon india multi cap - 2000 pm Nippon india small cap - 2000 pm ICICI prudential flexi cap - 2000 pm MO midcap fund - 2000 pm Mahindra ML large & midcap - 2000 pm Uti nifty 50 index - 1500 pm ICICI Pru nifty next 50 index - 1500 pm Nippon IT index - 1500 pm ICICI bse sensex index - 1500 pm ICICI Pru multi asset allocation - 5000 pm DSP multi asset allocation - 1000 pm SBI retirement aggressive - 1000 pm HDFC balanced advantage - 2500 pm Can I continue the above for the next 10 years OR is there a need for any changes to be made. My current MF investment stands at 20 L Looking forward to you advise please.

Ans: You are investing in a diverse set of funds across multiple categories. It is important to check if your portfolio is well-balanced, tax-efficient, and aligned with your risk appetite.

Fund Overlap and Diversification
You have too many funds in the same category.

Multiple large-cap, multi-cap, and index funds create unnecessary duplication.

A smaller, well-chosen portfolio will improve returns and reduce complexity.

Index Funds in Your Portfolio
You are investing in four index funds.

Index funds lack downside protection in market crashes.

Actively managed funds have better potential to beat the market.

Consider reducing index fund exposure to improve returns.

Sector and Thematic Funds
You have a technology sector fund.

Sector funds can be high-risk, as they depend on one industry’s performance.

A diversified portfolio is better than relying on a single sector.

If held, sector funds should be less than 10% of the total portfolio.

Multi-Asset and Hybrid Funds
Multi-asset funds help in balancing risk with exposure to equity, debt, and gold.

You have three multi-asset funds, which may be too many.

It is better to consolidate and hold only one or two of the best-performing funds.

Retirement Fund and Balanced Advantage Fund
SBI Retirement Aggressive Fund is designed for long-term wealth creation.

HDFC Balanced Advantage Fund helps in managing market volatility.

These funds are suitable for investors above 50, as they lower risk.

Recommended Changes
Reduce fund duplication by keeping only one multi-asset fund.

Exit some index funds and switch to actively managed funds.

Limit sector funds to a small portion of your portfolio.

Continue investing in flexi-cap and balanced advantage funds for long-term stability.

Final Insights
Your portfolio has good diversification but can be simplified.

Reducing overlapping funds will improve returns and ease tracking.

Shifting from index funds to actively managed funds may provide better growth.

Holding for 10 years is a good strategy, but regular rebalancing is needed.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Dr Nagarajan Jsk |279 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Mar 15, 2025

Asked by Anonymous - Mar 13, 2025Hindi

Career

Hi sir my son s doing his BSc microbiology final sem, pls suggest a better PG

Ans: The following options are available for higher education:

1. MSc in Microbiology
2. MSc in Biotechnology
3. MSc in Applied Microbiology
4. MSc in Medical Microbiology
5. MSc in Medical Lab Technology (MLT)

Before choosing any course, it's important to keep in mind that meeting eligibility requirements is just the first step. I suggest he pursue internships in industries that align with his future goals. Here are some tailored suggestions based on his interests:

Interest in the Food Industry: He should consider internships in food processing industries or at the Central Food Technological Research Institute (CFTRI).

Interest in Pharmaceuticals: He can look for opportunities in pharmaceutical companies that specialize in microbiology, such as Biocon or Biological E.

Interest in Entrepreneurship: MLT could be a suitable path. I recommend that he seek part-time positions in clinical laboratories. Additionally, the current central government is supporting young entrepreneurs who are interested in starting their own businesses.

He may also want to consider pursuing additional courses to enhance his future prospects.

Wishing all the best for your son!

POOCHO. LIFE CHANGE KARO

Patrick Dsouza |1008 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Mar 15, 2025

Question by John - Mar 13, 2025Hindi

Career

Sir my son completed 12th this month.he applied IISER and CIT Chennai (cse) management quota. Which is best Please suggest

Ans: IISER is a better known college and is good for research and pure science. But let him check what area is he interested in and then decide.

Patrick Dsouza |1008 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 14, 2025Hindi

Career

I am a professional with 19 yrs of work experience in Banking and financial industry in India. Want to explore if at the age of 40 and being single, which country is best to relocate with much stable job opportunity as per my work experience of Indian Banking system with a minimum salary of 50 lac p.a

Ans: Try Dubai. Maybe Saudi Arabia. They do have high paying jobs. Dubai has a decent Banking Industry and can get a stable job out there. Saudi Arabia is trying to build its industry so a bit risky.

Dr Nagarajan Jsk |279 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Mar 15, 2025

Question by Bhaskar - Mar 15, 2025Hindi

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My brother wants to study MBBS m jss medical College

Ans: Thank you for choosing a career in medicine. You can opt for various paths, but it is essential to follow the guidelines provided by the government.

Anu Krishna |1549 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 14, 2025

Question by Tanvir - Mar 13, 2025

Relationship

Mera tin mahine baad jisse shaadi hone waali he uska pahle ek ladke se affair tha. Halanki meri fiency padhi likhi he aur job karti.Un dono ke bich me sex relation bhi ho chuka tha jab maine usse iske baare me puchha to usne kaha ki ye pahle ki baat ab mera usse koi wasta nhi he.lekin mujhe lagta he ki uska abhi uske relation me he .kya mujhe usse shadi karni chahiye

Ans: Dear Tanvir,
Pichli baatein ko wahin rakhna chahiye jahaan pe woh hue the. Usko aaj ke tareek mein baar baar doharaane se aapa aaj bigad sakta hai aur aapke mann mein shanka badhti hi jaayegi. Jab aapki fiancee keh rahi hain ki yeh pehli baat hai, ya toh aap is baat par vishwaas kare ya na kare, yeh aap pe nirbhar hai. Agar aap shaq karna chahte hain toh bahut baatein hai is baat ko saabit karne ke liye par agar aap is baat ko bhi peeche rakhke aage badhna chahte hain toh yeh bhi ho sakta hai par uske liye aap ko aapki fiancee par vishwaas karna padega aur unki baaton par. Shaq ki nazron se kuch bhi dekhoge toh shaq hi saamne nikalke aayega. Ab aap ka chunenge?

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

Anu Krishna |1549 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 14, 2025

Asked by Anonymous - Mar 11, 2025

Relationship

Hello, I am 32 year male, got married last year almost a year now. My wife has not been able to perform intercourse with me since our marriage, we both are virgin. She is having fear of penetrating and also even if I try to perform fingerring, she feels pain and feels irritation there. We both are happy couple but I am worried how to go ahead as I already tried water based lubricant, forplay everything. Please suggest.

Ans: Dear Anonymous,
If all is well medically, then the only thing that can stop a couple from getting sexually intimate are fears of what intercourse really is. Focusing on sex especially since this is the first time for the both of you CAN put you under tremendous stress. Instead focus on connecting first with each other. Emotional bonding through love, care and affection can allow for a lot of non-sexual intimacy first. Keep at this until you get comfortable with one another and then you take things to the next level that will ease you both into sexual intimacy.
Being in LOVE and a very close emotional connect can actually be huge boosters into getting intimate and ease you two into sex.

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

Anu Krishna |1549 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 14, 2025

Asked by Anonymous - Mar 12, 2025Hindi

Relationship

What are possibilities of getting maintenance for a working woman (with a kid) from husband . My husband has abandoned us since birth of my daughter 4years. Not taking the child's responsibility. Husband says as I am earning I should take care of financial requirement of the child too. I am doing extra duties/ work just to take care of my daughter's education and future. As I am a healthcare professional my work consists of night duties. These duties are taking toll on my health and also my daughter's . People are saying as I am a working woman I can't claim maintenance from husband. But taking care of young child is more difficult with working. I just can't leave my job , just to show nil income to claim maintenance as no one is there to support me and my daughter. Hiring a nanny , maid etc along with rent comes around 85k per month apart from school expenses. As I live in metropolitan city. Husband earns more than me but transfers money to his mother's account.He has taken me granted financially since marriage.Not able to save anything for the future. Don't have any property on my name .

Ans: Dear Anonymous,
This is a question for a legal expert; so go ahead and seek the guidance of someone who can handle your case. Along with this, you will have to think of a good balance that will allow for you to manage work and home plus your health.

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

Anu Krishna |1549 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 14, 2025

Question by Sanjay - Mar 12, 2025Hindi

Relationship

Hello Madam, Request your guidance on query on behalf of my friend - On 2-3 occassions money has been stolen from friend's wallet, he has doubt on his uncle's son staying in their house but not sure...please advise !!

Ans: Dear Sanjay,
What would you do if something like this happened in your house? Suggest the same to your friend.
But also, before accusing or doubting someone, please make sure that your friend has not misplaced the money.

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

Ramalingam Kalirajan |8102 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Mar 14, 2025

Asked by Anonymous - Mar 14, 2025Hindi

Money

Hello sir, I am planning to buy a flat, with some stock sale proceeds and bank loan. Can I claim section 54F, for the entire registration amount for a flat, along with registration fee ? Or bank loan part is not considered

Ans: Eligibility for Section 54F
Section 54F provides capital gains exemption when selling assets like stocks.
You must invest the full net sale proceeds in a residential property.
The new flat must be purchased within two years or constructed within three years.
You should not own more than one residential house at the time of sale.
Treatment of Bank Loan Under Section 54F
Exemption applies only to the portion funded by stock sale proceeds.
The bank loan portion is not considered for exemption.
You need to invest the entire net sale proceeds to claim full exemption.
Registration Charges and Stamp Duty
Registration charges and stamp duty qualify as part of the property cost.
These expenses can be included for exemption under Section 54F.
However, only the part paid from capital gains is eligible.
Ensuring Full Exemption
If you reinvest only part of the net sale proceeds, the exemption is partial.
Any remaining capital gain will be taxed.
To avoid tax, the full capital gain amount must be reinvested.
Tax Implications If Conditions Are Not Met
If you sell the new property within three years, the exemption is reversed.
The capital gain becomes taxable in the year of sale.
Ensure compliance with all conditions to retain tax benefits.
Alternative Planning Strategies
If full reinvestment is not possible, consider capital gains bonds.
These bonds provide an alternative exemption under Section 54EC.
This helps in tax-efficient planning while keeping liquidity options open.
Final Insights
Section 54F helps save tax if proceeds are fully reinvested.
The bank loan portion does not qualify for exemption.
Registration costs can be included but only if paid from capital gains.
Ensure compliance to avoid future tax liabilities.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

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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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