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Is My Alcohol Consumption a Problem? An Early 30s Man's Dilemma

Dr Hemalata

Dr Hemalata Arora  |201 Answers  |Ask -

General Physician - Answered on May 02, 2024

Dr Hemalata Arora is a senior consultant who practises internal medicine at Mumbai’s Nanavati Max Super Speciality Hospital.
In a career spanning over 24 years, she has focused on managing infectious diseases, critical illnesses and lifestyle disorders.
Dr Arora completed her MBBS and MD from the King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College in Mumbai.
She is ECFMG certified, accredited by the American Board of Internal Medicine, Diplomate of the National Board and a DNB faculty.
She was honoured with the Paul Bunn award for her promising performance in the field of infectious diseases at SUNY Upstate Medical University, New York.... more
Asked by Anonymous - May 01, 2024Hindi
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I am an early 30 aged man. I have a public job which I can say is a descent one. I am married and have a kid. I can't say I am an alcoholic but in someway my happiness is associated with alcohol. My job requires me to travel a lot and on those days I can do without any drinks. But on my off days I tend to drink like half a bottle of whatever alcohol I desire and the only thing I can say about is I gain happiness from it. On rare occasions I am tipsy. I give my family time and carry out daily chores as usual while at home. On the downside, drinking has made be obese and somewhat ill. But I can't figure out if I want to drop alcohol or not. Because as I said I don't see addiction anywhere in my inclination to alcohol but I derive a strange kind of happiness from it. Can you analyze my situation and give some advice?

Ans: In my humble opinion, it is unhealthy to drink so much. That you feel that your happiness is depending on alcohol rather than life in general may need a little introspection. You are still very young and this much drinking is quite likely to have negative effects on your metabolism, your liver and your heart. It would be a great experiment or try and stay away from alcohol and any other similar mind altering substance for at least a year and see how you can derive happiness/ contentment from other aspects of life.
I would be very interested to know your approach going forward.
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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Aashish

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Dear Sir/Madam, I am 47 years male, i have done Diploma in Electrical and Electronic engineering and B A Graduation with Economics and English Subjects. I have nearly 18 years of Experience in Field of Electrical and Security systems. The issue is I have lost my job during Pandemic. I between i got addicted to Alcohol. Now i have lost the confidence to apply for new jobs and fell scared abt my future. I didn't have proper experience certificate also. Secondly I feel that I should try for Financial Advisor/Stock market analysis job. So kindly advice me reg my career and how to leave alcohol. Please do the needful at earliest as i plan to work as per your advice. I am very Good in English and economics also. Thank you. With Regards. Aditya Rao.
Ans: I am sorry to hear about your situation.

While it is understandable that losing a job during the pandemic and struggling with addiction can lead to feelings of fear and uncertainty about the future, you need to remember that situations will keep on changing as long as you retain your confidence.

My 2 cents:

1. Seek professional help to overcome addiction and regain control of your life. You can counseling, support groups, and rehabilitation programs.

2. Consider taking online courses or certification programs to enhance your skills and increase your job prospects. Be up to date with the current trends and opportunities.

3. You try to explore financial advising or stock market analysis as an alternate career path. Try going in for certifications and courses with regards to the same. They can help you gain the knowledge and skills needed for this type of job.

4. Leave the past in the past and focus on your strengths and past accomplishments. Be confident in your abilities and remain optimistic.

5. Reach out to friends and family for support and encouragement during this difficult time. They may be able to provide valuable advice or connections that can help you in your job search.

If it all seems too daunting, take one step at a time, seek support, and remain persistent in your efforts to overcome challenges and achieve your goals.

Hope this helps.

..Read more

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Asked by Anonymous - Sep 15, 2024Hindi
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I am having a home loan of 12 lac for 20 years @8.7p.a. roi. I am about to have estimated 4500 Surplus every month out of which I will invest rs 1200 in sip with 1% step up every year and rest in principal. My query is 1-Please suggest the fund names for excellent growth to recover all the interest and principal(if possible). 2- Bank has committed to review and revise roi every year based on my cibil. I want to get this statement verified from the expert 3-My Cibil score is 790 at present. I am a regular user of credit card, pay dues timely, my average monthly bill is 2000/- only. and as told above I am going to have a home loan. I want my cibil score 825. How much time will it take to increase my cibil by 35 points.
Ans: Hello;

Your home loan of 12 L with 8.7%(considered fixed for calculation sake)and 20 year tenure is expected to have an interest outgo of 13.36 L

If you start a SIP of 1200 with 1% top-up each year then it will yield you a corpus of 14.55 L, after 20 years,thereby covering your interest outgo

If you want principal also to be covered for recovery through your investment then you must make a SIP of 2100 with 1% top-up each year which will yield you a corpus of around 25.56 L, after 20 years, thus exceeding your entire loan outgo(principal+ interest) of 25.36 L.

Here I have considered moderate return of 13% and recommend you to invest in PPFAS flexicap fund.

CIBIL score of above 750 is considered excellent and bank should offer you best possible ROI. Do check with other banks for best offer.

CIBIL Score calculation depends on:
Repayment history(35%)
Credit Utilisation (30%)
Credit history(15%)
Credit Mix(10%)
New Credit(10%)

My opinion is you are already in the excellent cibil rating category and should get best ROI from the bank.

CIBIL score increase happens over a period of time based on positive development on aforementioned criteria.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

...Read more

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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