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Rebecca Pinto |107 Answers |Ask -Follow

Physiotherapist, Nutritionist - Answered on Mar 08, 2024

Rebecca Pinto is a physiotherapist, nutritionist and founder of Dr Rebecca's Physiotherapy.
She has been helping patients with physical difficulties resulting from illness, injuries and ageing for over nine years.
She holds a bachelor's degree in physiotherapy from SKN College of Physiotherapy, Pune. Rebecca is also a certified PNF (Proprioceptive Neuromuscular Facilitation) practitioner and has trained in dry needling, spinal manipulation and cupping procedures as well.... more

Question by Amit on Dec 30, 2023Hindi

Health

I recently had my Microdisctomy for L5-S1 Disc and doctor has recommended to avoid travel in bus and stairs. Its 2.5 months since surgery. What exercise should i start. When should i start my normal life like driving bike , car travel in bus ? Please suggest

Ans: Hi

You can start with basic core stability exercises. Please consult the doctor who has operated you to understand when can you get back to your daily activities

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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Rebecca Pinto |107 Answers |Ask -Follow

Physiotherapist, Nutritionist - Answered on Jul 15, 2023

Question by Arun - Jul 15, 2023Hindi

Health

I am Arun, 43 Years Old, sedentary job. suffered slip disc L4-L5 from last 2 years, need guidance to recover, though i have taken physiotherapy session, specialist opinion, suggest for surgery. But I don't want to do any surgery for this. Suggest alternative option to recover from this. along with want to reduce weight 10 kg from 84. (height 5 ft 8 inch)

Ans: Hi Arun,
We’ll need a detailed MRI report to understand if the condition needs surgery or not. As of now if you wish to not operate then physiotherapy is the best for you. Please visit and experienced physiotherapist and also understand the condition so you can take the cautions as needed

Nidhi Gupta |199 Answers |Ask -Follow

Physiotherapist - Answered on Feb 20, 2024

Question by Arun - Jul 26, 2023Hindi

Health

Hello Coach, Arun from delhi, 43 years old (weight 81 Kg, Height 5 ft 8 inch), sedentary job style. I was very health conscious about diet, fitness. But during workout for abdominal strength, there was some pain in my back & doctor suggest for MRI and found there was slip disc / disc herniation issue of L4-L5. During last 2.6 years, does several physiotherapy with renowned physio center, yoga & focusing on my diet plan. After 1.6 years also comparing MRI report, shows almost same situation. Need your guidance in this matter, how to recover from pain. Because my current situation is, while standing 5-6 minutes, or walking 5-10 minutes, pain increase from buttock to left side feet. Then I have to take rest for 3-4 minutes, to start again. So, please guide me or suggest me as per your experience. Thanks Arun kumar

Ans: Hello Arun,
Please do let me know more details about the physiotherapy done. Did they give you a Mckenzie program for slipped disc as that is one of the best treatment for disc issues. It includes systematic exercises like wall side glides, road kill position, back extensions. If you are having pain on left side of leg/feet it seems to be a posterolateral disc protrusion for which the wall side glides are very important.
Have you been working on your core? Are your Vitamin D3 and B12 levels ok? How much is your weight now?
If not already please goto a Mckenzie certified physiotherapist and it can make a lot of difference.
If not ok after that also then you may need to go to an orthopedic doctor and consider a minor surgery for the disc.
All the best!

Rebecca Pinto |107 Answers |Ask -Follow

Physiotherapist, Nutritionist - Answered on Jan 18, 2024

Question by Abhishek - Nov 06, 2023Hindi

Health

I am 43 male. I have been told L5-S1 slip disc. Doctor said it can be cured by exceecises in 3 months. For excercise i met 2 docotrs and their physiotherapist told me different set of exercises. Which one to follow.

Ans: Follow whichever is suiting your body and not increasing the pain

Nidhi Gupta |199 Answers |Ask -Follow

Physiotherapist - Answered on Feb 02, 2024

Asked by Anonymous - Dec 11, 2023Hindi

Health

Got L5S1 slip disc.Age 43 male. Doing exercises as suggested by ortho doctor. Will it be recovered fully. Can I take homeopathic treatment and Aurvedic also. Does they help. What else to do. Todays docotor dont talk much and gives medicone only. U tube becomes the only option.

Ans: Hello Anonymous,
Yes definitely homeopathy and Ayurveda can help a lot.
Also please go to a Mckenzie certified physiotherapist. Mckenzie treatment is a series of simple exercises designed especially for slipped disc. It can make a huge difference in your symptoms and preventing a relapse.
All the best!

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Milind Vadjikar |1084 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Question by lavan - Feb 26, 2025Hindi

Money

Hi, I'm Lavan Kumar, i'm 34 year old married, one daughter of 6yr old. my current take home salary is 80k. my current PF balance as on Jan'25 is 8.5L Holding 1Cr term insurance with a premium of 18K per annum medical premium of 40k per annum for my family ( including parents). PPF Balance is 1.18L, investing around 20K per year investing in NPS from Dec'22 onwards and currently holding 2L and investing 50K every year and also investing 4500 monthly through employer from my salary( above mentioned sal is excluding this amt) Investing 9k per month in 5 mutual funds 1.Kotak infrastructure and Economic reform fund - 2k 2.Quant infrastructure fund -2k 3.Bandhan sterling value fund - 1k 4.SBI long term equity fund - 2k 5.Quant Multi Asset fund - 2k Paying LIC of 27K per year for 10L sum assured. currently holding a personal loan with an EMI of 27k per month, same will be closed by Dec'25. Please guide me on how to achieve 1Cr in next 10 years and where to invest to achieve my target.

Ans: Hello;

You may be able to achieve 1 Cr corpus in the following manner;

1. Do a flat monthly SIP of 50 K for 10 years.

2. Begin with a monthly sip of 15 K and step it up every year by 30% minimum.

Other option is to do a flat monthly sip of 20 K for 17 years to achieve 1 Cr.

A modest return of 10% is considered.

Also your funds need a complete rejig for which you may get in touch with a MFD.

Best wishes;
X: @mars_invest

Rajesh Kumar Singh |139 Answers |Ask -Follow

IIT-JEE, GATE Expert - Answered on Mar 04, 2025

Question by Sukriti - Mar 04, 2025Hindi

Career

I get 81.9 percentile in jee mains session 1 can I get cse in any nit

Ans: For general NO

Rajesh Kumar Singh |139 Answers |Ask -Follow

IIT-JEE, GATE Expert - Answered on Mar 04, 2025

Question by chandramouli - Mar 04, 2025Hindi

Career

My son is pursuing Mechatronics in VIT Chennai. He does not have too much passion towards software programming etc.He is interested to pursue M.S abroad like Germany etc instead of doing GATE /PG in India. I personally feel doing GATE in India and if admitted to premier central institutes hold more value and makes economical sense. Please advise which one is better - if abroad, any specific countries you recommend which has more value for higher education/Career opportunities ? Secondly, What career options within India is good. Is IES a good option if so what specialization should he choose for preparing ?

Ans: IIT through GATE is better. IES is good option with Electronics/mechanical

T S Khurana |387 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by Ramesh - Feb 13, 2025Hindi

Money

I have sold a flat on 12th Feb2025 for Rs.65 lacs. I have bought this for Rs.11 lacs on 5th April 2005. I do not wish to buy another property . I wish to invest in Capital Gains Tax Saving Bonds. I am 72 years old. How much is the LTCG ? How much do I need to invest in the CG Tax Saving Bonds to minimise the tax ? What will the tax amount payable ? Thanks and regards

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.30.00 lakh. It may reduce your tax payment significantly.
03. Please ensure to : (a) Purchase of Bonds with in 6 months from the date of sale of property & (b) Filling of your ITRs in time.
Most welcome for any further clarification. Thanks.

T S Khurana |387 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi

Money

sir, I want to check how much money i have in my IT file . i want to purchase land, so want to make confirm is their sufficient amount in file. For this which amount i have to check. Please advice.

Ans: No such information would be available in your IT Return or IT File. Your Funds in Bank Accounts would confirm how much money you have & you may Plan your Land Purchase accordingly.
Most welcome for any further clarification. Thanks.

T S Khurana |387 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi

Money

I sold a property for Rs130 lacs in this month. I bought it for Rs.18 lacs in August 2005. I bought in joint name of self and spouse. I got the sales payment equally in both names. We do not wish to buy another property as I am over 70 years of age and my wife over 67 years. How much should we each invest in CG Tax saving bonds to get exemption ? Both of us are filing returns separately.

Ans: 01. Based on available information, you may opt for LTCG with Indexation.
02. CG Tax Saving Bonds may be purchased for Rs.35.00 lakh each. It may reduce your tax payment significantly.
03. Please ensure to : (a) Purchase of Bonds with in 6 months from the date of sale of property & (b) Filling of your ITRs in time.
Most welcome for any further clarification. Thanks.

T S Khurana |387 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by Raj - Mar 04, 2025Hindi

Money

Hi My father purchase ist and barsati floor in 1986 @ 2 lac... He made 3rd floor construction... We dont have construction expenses bills Now he want to sell@ 10 lac each floor to 3 indiviual buyers, means total 30 lac sale considration ., how it can be shown in income tax... Will 2 lac buy value is divide in 3 floor?

Ans: 01. As per details provided in the question, your Cost for all the three Flats is Rs.2,00,000.00 only. This is due to lack of documentary evidence about Cost of Construction (Bills & Source of Finance etc.).
02. LTCG tax may be comparativly less, if you opt for LTCG calculation without Indexation.
03. I would suggest you to get a Certificate of an Architect, who would certify the cost of your property as on 01.04.2001. You may treat this as your Cost for 3 flats and work out your tax details.
Most welcome for any further clarification. Thanks.

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by K - Feb 19, 2025Hindi

Money

I bought a flat in 2000 for 15 lakhs. Recently my wife got a share of land from her dad through settlement deed. We want to construct a house in few months time. Im planning to transfer my flat to her name through a settlement and then sell it for 1.5 crores so as to fund the new house. Will it still attract CG tax for me or for my wife?

Ans: In case you transfer asset to your spouse for inadequate consideration, Income out of such asset will be clubbed in your hands.

Milind Vadjikar |1084 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Question by shraddha - Feb 22, 2025Hindi

Money

Hello Sir, I am 35 year old working women & having SIP of 51K for 15 years. I started it 2 years before.(Current amount is 14L) My salary is 85K per month. I have 10 years daughter. I have currently purchased 2BHK home having home loan of 50L for 15years.My target is close the loan in next 5 years. Rent is coming 15K. EMI is 70K.(35K husband pays the EMI).NPS is 50K yearly. LIC 35K yearly. I want to retire by 2036 with amount of 2cr.Please suggest.

Ans: Hello;

With your current sip of 51 K you may be able to achieve a corpus of 2.13 Cr in 15 years time frame. (Assuming modest return of 10%).

You may use partial withdrawal from NPS/EPF, if any, and LIC policy proceeds to prepay the home loan.

Best wishes;

Mihir Tanna |1026 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 21, 2025Hindi

Money

Till now I was filing income tax returns every year including the rental income for a flat jointly owned by me and my wife. For AY 2024-25, the rent was included in my wife’s ITR for convenience and no ITR wea filed by me as I had no other income. Is this ok?

Ans: No

Rental Income is required to be offered by owner/owners who has contributed in acquiring the property.

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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