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Namita Piparaiya | Answer |Ask -Follow

Yoga, Wellness Expert - Answered on Apr 12, 2023

Namita Piparaiya has an MBA degree and worked as a senior corporate executive for almost a decade before discovering her passion for yoga. In 2017, she founded Yoganama, a health and wellness platform that educates people about how they can take charge of their health through yoga and mindful practices.
Piparaiya has completed over 700 hours of Yoga Alliance certified training in Hatha Yoga from Indea Yoga, Mysore. She specialises in pranayama, Ayurveda, yoga philosophy and corrective exercises and regularly conducts training and educational programmes for individuals and corporate organisations.... more

Question by Ankur on Apr 12, 2023Hindi

Health

Even after working for more than 12 to 14 hours + in a day, at night I don't get sound sleep. I wake up every half hour or in a hour. How to get sound sleep, without disturbance.

Ans: Hi, that must be very difficult and sleep is very important for a sound body and mind. Please start including 20-30 mins before bedtime for some mindful sleep-supporting activities. The best of them is Yoga Nidra, there are many videos available online, and I would recommend the ones by the Bihar School of Yoga. You can practice them 2-3 times a week. On the remaining days, you can include any of these in your evening routine - 61 Point body scan, Mind-space resonance technique (MSRT), Progressive muscle relaxation (PMR) or Bhramari Pranayama. These are usually very helpful in helping you go to sleep and get a good night's rest. It is also important that you analyse other components of your lifestyle - Are you getting enough sunlight exposure during the day? Are you having caffeine after 4 pm which can impact sleep quality? Are you exposed to bright light or blue light at night that can keep you awake? Are you going to bed at the same time every night or not? Is there a lot of stress in your life? are you doing something to manage that stress and regulate your nervous system so you can sleep better? Are you having a heavy dinner close to bed time? So, you see there are multiple factors that can impact sleep, and unless you address the root cause, the problem will keep coming back. So, take time out to introspect and review what could be impacting your sleep quality the most and start by addressing that first. And of course practices like Yoga Nidra, MSRT, PMR and Body scans are excellent to start doing anyway. 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 ashok - Apr 11, 2024Hindi

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i am ashok kumar 68 yrs old male I dont get sound sleep in night what should i do

Ans: Hello Ashok,
Please once get all your blood tests done. At times when Vit D3 or Vit B12 is low sleep does get affected.
Also if there is some anxiety or emotionally something is bothering you then sleep can get affected.
I would advise you to get into a good night routine. You should take a warm water bath with some rock salt in it or you can dip your legs for 15 minutes in a bucket of water with some salt in it. You can do journaling like just pen down your thoughts in a diary. You can also do some anulom vilom or only left nostril breathing. This promotes deeper sleep. Yoga nidra can also help. Walking for 20 minutes can also help. Aromatherapy can help. All these videos you can find on YouTube.
Doing a good night routine before sleeping helps at a physical, mental and emotional level and definitely helps in deeper sleep.
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Career Counsellor - Answered on Nov 15, 2024

Asked by Anonymous - Nov 14, 2024Hindi

Career

Dear sir, I have been working in pharma segment n I have a terrible experience to share almost 5–6 companies have not settle my genuine dues of salaries and expenses. Some are almost 5–8 yrs old n the latest one is almost 75 days old. Some have some special statements written on there appointment letters, which gives them freedom , and others seem to have no concerns at all. I cannot take legal action against them as a don't have so much money. In the latest episode, my company says that they cannot give me my full n final till the time stockist does not pays his dues to the company. In this regards, I want to inform you that 1 I have no dues on the stockist 2 I have returned all my property 3 companies settlement time is of 45 days 4 after fighting so long I have received one part as salary but expenses are still held they say that they will only settle my dues when the stockist pays his pending payments. 1 I have no dues certificate from all stockists 2 And my views on this is 1 I'm not in organization now, how am I responsibile for the old payments of my time, because it's responsibility of the current staff to follow up for his secondary n payments 2 party's due on company is around rs 46000 but stockist already has non sellable goods of rs 70000 in his shelf . 3 the current staff do not meet the stockist, help in liquidation of stocks or clearing payments. Kindly help me with your detailed view in how to get my ffs from this organization as I have 1 written several times on main with no proper response. 2 I have called many times to hr n concerned managers but they repeat same thing, ie payments of one stockist Kindly help me with solution to get my ffs from this n old pharma companies. Thanks Jasvinder singh

Ans: You need legal support. Please contact senior advocate Mr. Tanoj Joshi with my reference. Search about him in LINKEDIN.
He is a very good person and he won't charge you much if you give my reference. Please give me the update. Best of luck. MAY GOD BLESS YOU. Professor...........................:)

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Question by Manvir - Nov 15, 2024Hindi

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Tech Careers and Skill Development Expert - Answered on Nov 15, 2024

Asked by Anonymous - Nov 14, 2024Hindi

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Tech Careers and Skill Development Expert - Answered on Nov 15, 2024

Asked by Anonymous - Nov 15, 2024Hindi

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Hello Sir/Mam , I m currently studying at MSRIT(Ramaiah) , Bangalore, I m in Cse last year I was in Bit Mesra but due to some circumstances I dropout at last , now jee advanced a week back announced to give 3 attempts including 12th , so should I try to give jee again or continue , I m in a dilemma ... plz elaborate

Ans: If you are content with MSRIT’s program, progressing well academically, and preparing for placements, I suggest continuing at MSRIT and focusing on excelling in your current opportunities.
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Question by Manvir - Nov 15, 2024Hindi

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Question by Mukund - Nov 15, 2024Hindi

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Asked by Anonymous - Nov 15, 2024Hindi

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Hello Sir My child would like to take PCMB in 10+1 and want to pursue his career from IISER after 12th. Kindly suggest a good institute from where he can take regular physical coaching for the preparation of IAT exams.

Ans: Impossible to sagest physical coaching institute without knowing location

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 15, 2024

Asked by Anonymous - Nov 15, 2024Hindi

Career

Please share a list of engineering colleges having the following criteria 1.good placement in BTech CSE, ECE etc, having median salary package more than 10 LPA. 2. Taking consideration of 12th marks with JEE Rank/percentile. for admissionlm

Ans: Hello.
Sorry to say, it is impossible to list the names of engineering colleges spread across the country as per your demand. There are hundreds of colleges in India, where students are getting placements more than 10 LPA. It would be better to ask your ward to score more in the JEE (Main) examination and get admission to the top engineering college. The total game is dependent on the score in the JEE examination. Today's 10 LPA will have less value after 4-5 years. Along with JEE, ask your ward to appear for the respective state engineering test also. If he/she scores less in JEE, then the other option will remain open. Many students make the mistake of focusing only on JEE and ignoring the state-level engineering examination. At a later stage, they get disappointed when they score less in JEE. Best of luck to your ward for the upcoming JEE examination.

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Mutual Funds, Financial Planning Expert - Answered on Nov 15, 2024

Asked by Anonymous - Nov 15, 2024Hindi

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Sir, Im 54 yrs, present monthly take home pay in hand of Rs.2.5Lacs after all I.Tax etc. deductions. Car EMI till Dec 2026 to be paid will be Rs.5000 per month. Have Health Insurance cover for 25 lacs, Term Insurance for Rs.2Crores but no Life Insurance cover. Monthly SIP is Rs.1Lac. Had made a lump-sum investment of Rs.55Lacs in Mutual Fund which is now valued around Rs.75Lacs. I'm not able to save anything beyond this due to family responsibilities and have to start repaying my son's education loan of Rs.20Lacs which would commence after 2.5 years (as he is studying now). Can you please let me know how much of corpus I might have at the time of my retirement if I continue to work till the age of 58years? Regards

Ans: Based on the information you’ve shared, let us assess your situation and provide insights into your potential retirement corpus.

Current Financial Position
Take-home salary: Rs. 2.5 Lacs per month
Car EMI: Rs. 5,000 per month (ending Dec 2026)
Health insurance: Rs. 25 Lacs
Term insurance: Rs. 2 Crores
Monthly SIP: Rs. 1 Lac
Lump-sum investment in mutual funds: Rs. 75 Lacs (current value)
Education loan repayment: Rs. 20 Lacs starting after 2.5 years
Retirement age: 58 years (4 years from now)
Assumptions for Projection
Your SIP of Rs. 1 Lac per month continues until retirement.
Your lump-sum mutual fund investment grows at an assumed annual rate of 10%.
Monthly SIP investments grow at an assumed annual rate of 10%.
Education loan repayment starts in 2.5 years. Let’s consider this doesn’t disrupt your SIPs.
Estimated Retirement Corpus
1. Growth of Existing Lump-Sum Investment
Current value: Rs. 75 Lacs
Growth for 4 years at 10%: Approximately Rs. 1.1 Crores
2. Future Value of Monthly SIPs
SIP: Rs. 1 Lac per month
Duration: 48 months (4 years)
Growth at 10%: Approximately Rs. 63 Lacs
Total Corpus at Retirement
Lump-sum mutual fund value: Rs. 1.1 Crores
SIP investments: Rs. 63 Lacs
Total corpus: Rs. 1.73 Crores
Recommendations
Education Loan Repayment: The repayment may require adjustments in your budget. Consider partial withdrawals or rebalancing investments if necessary to avoid disrupting your SIPs.
Increasing Savings: Once your car loan ends in 2026, channel the Rs. 5,000 EMI into SIPs to further enhance your corpus.
Financial Review: Regularly review your investments and retirement goals with a Certified Financial Planner to ensure alignment with market conditions.
Final Insights
If your investments grow at an average rate of 10%, you may have a retirement corpus of approximately Rs. 1.73 Crores by age 58. Focus on maintaining your SIP contributions and ensuring liquidity to manage upcoming education loan repayments effectively.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Career Counsellor - Answered on Nov 15, 2024

Question by MEHARBAN - Oct 17, 2024Hindi

Career

Sir, I am a 42 years old financial professional and having 18 years experience. Now I am well settled in India but having some liabilities such as housing loan etc and responsibility of my two kids. I always wanted to move abroad (Europe) for a better life. Now if I leave for abroad, I have not idea whether can I get settled over there ? it can also disturb my present financial position. Kindly guide what should I do?

Ans: Meharban Sir, Thank you for your question. I have responded to a similar question recently. You may check my answer here
If you are looking for more details, I would be happy to assist/guide you. All the BEST for Your 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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