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Dr Ashit

Dr Ashit Hegde  | Answer  |Ask -

Consultant Physician, Internal Medicine and Critical Care Expert - Answered on May 30, 2023

Dr Ashit Hegde specialises in internal medicine and intensive care. He has nearly 40 years of experience and is consultant physician, intensivist and head of the critical care section at the PD Hinduja Hospital and Medical Research Centre.
He is actively involved in teaching and training residents for post graduate programmes in internal medicine and critical care.
He holds an MD degree in general medicine and therapeutics from the Lokmanya Tilak Municipal Medical College, Mumbai, and an MRCP from the Royal College of Physicians, Edinburgh.... more
Asked by Anonymous - May 27, 2023Hindi
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Hello Doctor, I am 44. I was suffering from gastric issues Somewhere in Oct 2021, i started feeling anxious and all negative thoughts. As a nature, i take good care of self. But due to this anxiouness, i was unable to sleep well or even concentrate well. I thought to consult a MD and he took my BP reading, which was in range of 142/90. He avoided started any medications and advised for lifestyle changes to alter this situation, to which i stared with certain life-style changes like, - sun-bath in morning. - walking - morning & evening - meditation - in evening. i continued this till Dec 2021 and again revisited the MD in Jan 2022, to which he advised to continued with the same routine. By March 2022, i was feeling better. Again, the same story repeated in Sep2022 and this time, with lot of gastric issues, sleep troubel and feeling of fear and anxiety and again i visited him in Nov 2022, was getting more anxious. Looking at my condition he started with beta-blocker. The condition was not very much improving and i took the blood tests on my own in Nov 2022 end, to which, Lipid profile was bit out of range, HaB1c - in pre-diabetic zone and in liver tests - SGPT was 62. I visited to the MD with report and he advised me to continue with beta- blocker and to start with the statins daily 10 mg, after dinner. I continued this for Dec 2022 with life style change with yoga and meditation routines along with walks. In Jan 2023, the tests were repeated and it was all NORMAL. The doctor advised to stop the medicines wef Jan 2023 and again advised to repeated tests in Feb 2023. In Feb 2023, all parametere were normal , but Lipid profile was again out of range. The MD again started with the same medicines from March 2023 onwards ie 1 beta - blocker in morning after break-fast and 10 mg statin after dinner. I repeated the tests in April 2023 and it was again all NORMAL. Now, the MD reduced the statin drug to 5 mg from 10 mg and continued with beta - blocker. I am leading a healthy life with yoga, meditation, diets with more fibres and less oily or say no oil deits to the extent possible. I have stopped eating any outside food and fully on home made food only now. benefits till now, - Sleep paterrn improved - Gastric issues has gone - IBS gone, - better mood My questions to you sir, - The MD is again planning to stop the medications in next visit, since all reports are normal and i feel normal. is that okay? - Again, i may develop the symptoms? - I am following a better life style - yoga, meditation, walkings, proper diets, are there chances that i would remain off medicine always? - What are the benefits and disadvantages of station and beta -blockers, if at all, i have to take it? thanks.

Ans: Beta blockers have probably been prescribed for your symptoms of anxiety but they can increase the levels of the lipids. You need to consult a psychiatrist about the best treatment for anxiety.
Ideally statins need to be taken for long because the lipid levels are bound to go up once you stop the statin. We need to decide however whether you really need a statin at your age. Do you have a family history of premature heart disease. If you do not have a family history of premature heart disease, you can probably stop statins for a few years . Can consider doing a CT Coronary calcium score
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

Dr Hemalata Arora  | Answer  |Ask -

General Physician - Answered on Jun 07, 2023

Asked by Anonymous - Jun 01, 2023Hindi
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Hello Doctor, I am 44. I prefer healthy life and all nice in terms of health, except that I was suffering from gastric issues, IBS and related issues. I had covid also in April 2021 and somewhere in Oct 2021, i started feeling anxious and all negative thoughts. In about Aug 2021, i noticed that my heartbeats is high than normal, which initially i tried to control with routine meditation. But somehow, was not feeling that well from within and mind was like getting anxious, as if , something is happening which i could not understand, what. I visited to MD - Medicine, in Oct 2021. As a process, the vitals were taken and BP reading was taken which was 145/90. The concern MD, which after going through the reading, did not tagged me as BP patient and advised me to have changes in lifestyle with yoga, walking, meditation and dietary changes. I throughly followed the advised and started feeling better from Jan 2022 onwards and it was all nice. Again from Sep 2022 onwards, i started feeling the same issues. And i visited the MD in Oct 2022. From Nov 2022, he put me on 25mg dose of beta-blocker , daily in the morning after breakfast. While, i was on beta-blocker, i was still not feeling that nice from within and i unilaterly took the decision to go for complete blood tests in Nov 2022 end. The results were, - Lipid profile - was disturbed. - Sugar : I was in pre-diabetic range. - Uric Acid : I was on borderline high. I visited the MD with the report and he add another dose of 10 mg of Statins from Dec 2022 onwards. I followed the medication along with dietary changes, yoga & meditation routine and took the tests in Jan 2023, which shows the results as under, - Lipid : Normal - Sugar: I was back to Non-Diabtic range from pre-diabetic. - uric acid - normal. And all other parameters improved too like Hemoglobin - 15 and all other paramters of cbc was normal, thyroid - normal , Liver function - normal - when certain times SGPT was bit on higher sides, but normal in this report. With this report the MD stopped the statin drug from Feb 2022 onwards and advised me to continue with beta-blocker of 12.50 mg instead of 25 mg. I followed the same routine for full Feb 2022 and again took the test in March 2023, and results were as under, - Sugar : non-diabetic - all other paramters - normal - Lipid - Not normal. So again from March 2023, the MD started with the same statin dose of 10 mg and beta- blocker of 25 mg. I took the test in April 2023 and again the reports were normal, so now, again he reduce the statin dose to half ie 5 mg and continued with the same dose of beta-blocker 25mg. My questions: 1. AT present, i follow proper diet schedule as prescribed by dietcian , have been doing meditation and yoga on regular basis. 2. Stress level is minimum. 3. I am feeling overall better. 4. BP levels are always normal 5. Gastric issues, IBS seems to have gone. 6. Sleep patern is improved. My question: a. I feel, in the next visit the MD may stop the statin. Can the lipid profile remain in normal range , when i am follwing all diet patterms , with yoga and exercise. Why the lipid profile became abnormal, previously even when i was following all routine very property ? b. Is it okay to consume beta - blocker 25mg regularly, even after doctor told me to stop statin or may stop my statin in next visit? c. Is there any way to know, to find, if i am feeling better normally or due to medicine? as i am feeling normal and unable to check, what after i stopped beta-blocker? Any other care which i should take and lead a healthy life.
Ans: Hello. These are good questions and a lot of people go through the same stages. Cholesterol levels are generally genetically determined and don't change much from dietary or lifestyle changes. It can be reduced by medications. However if it is the only risk factor for heart disease/stroke, then it need not be corrected unless it is very high, LDL> 160. On the other hand the B blocker, if it was taken only for BP, may be stopped if BP comes down and remains normal. A closer monitoring may be required for that. If BP stays normal or low on taking the medicine, reduce the medicine and recheck, if it still stays low or normal, stop and see. Take it slow.

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Dr Hemalata

Dr Hemalata Arora  | Answer  |Ask -

General Physician - Answered on Jun 22, 2023

Asked by Anonymous - Jun 14, 2023Hindi
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My triglycerides is 230 ; LDL cholestrol direct 122; non HDL Cholestrol 143 ; very low density lipoprotoen 46. Fasting sugar : 164 HBA1C : 7.9 SINCE 5 YEARS TAKING VIDAGLYPTIN PLUS METFORMIN 50/500 THIS REPORT WAS ON 13TH APRIL. I NEGLECTED DOCTOR ADVISE AND DID NOTHING AS I WAS OTHERWISE BUSY. EARLIER I USED TO WALK 4 KM IN PARK EVERYDAY WHICH I DISCONTINUED AS I BECAME OTHERWISE BUSY. NOW I AM QUITE UNFIT. PANTING, GETTING FATIGUED AND I CAN FEEL THE NEGLECT. I think all the above values must have further shot up. 5 days ago i resumed walking 4.5 kms and 5 days ago started taking Rosovastatin 10 mg at night. Continuing vidaglyptin plus metformin 5p/500. Have also completely given up rice, sweets since 5 days !! What else can i take ? My wife asking ne to take soaked Methi seeds in morning. By the way, my age is 74. Weight 79 kgs I am very depressed as i neglected which i usually do not do. I am mentally reconciled to 90 days cure period. Pls advise ways to expedite . Will be much appreciated. Thanks profusely.
Ans: Hello. You are doing all the right things and it is never too late. Don't be stressed. Even that will only increase your sugars and BP. To speed up the results, you can try intermittent fasting. It is when you eat during about 8 hours of the day and do not eat for about 16 hours. During those 16 hours of fasting, you can drink non calorie fluids and eat cucumbers. You can have methi seeds in water as advised by your wife. It will help reduce sugars a little more. In addition, try some stress busting activities like yoga, breathing exercises, pick up a hobby or get involved in some community activities that you believe in. All these will help you stay happier and therefore reduce your sugar levels additionally.

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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1146 Answers  |Ask -

General Physician - Answered on Jun 26, 2024

Asked by Anonymous - May 09, 2024Hindi
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I am 54 years M ,having Diabetes and High BP (HTN) since the past 13 years. At times it has been in poor control also like in May 2021 the HbA1c was 10.10 which gradually went down to 7.70 and then remained constant between 7.90 and 8.10 with the medications and 'not so strict' diet regime. Plus the body weight was also increasing and i gained around 10 kgs (101.2 Kgs) in a span of around 06 months. Recently in March 2024, the test reports indicated it as 8.70 causing me some concern and in April 2024 the reports showed a value of 9.20, which made me think about the reliablity of Lab report as well as made me change the doctor. My medicines were changed from Glimepiride (2 mg),Metformin (500 mg) Pioglitazone (15 mg) and METFORMIN-500MG + VILDAGLIPTIN-50MG twice daily ( taking for about 20 months) to GLIMEPIRIDE-2MG + METFORMIN-500MG + VOGLIBOSE-0.2MG and Dapagliflozin 5 mg+Metformin 500 mg twice daily recently in Mid April 2024. I was asked by the doctor to report after a month with Fasting and PP readings. However after few days,I started realising that my blood sugar was approaching higher and then I experienced needle like sensations in feet and hands plus sticky urine with a heavy head and hot face. I again went for a checkup three days back and the randomn sugar was 291 mg/dl. The medications have again been changed to Dapagliflozin (10mg) + Metformin (500mg) + Sitagliptin (100mg) + Saroglitazar (4mg) in the morning and METFORMIN-500MG + VILDAGLIPTIN-50MG since yesterday (08.05.2024) and I have been asked to take daily readings and report after 10 days. All this has lead to a panicky feeling in me, resulting in increased HTN. I am worried that how this hit and trial or permutations and combinations will help me in achieving a perfect set of medicines to lower my blood sugar to normal levels. Kindly advice. I shall be highly obliged.
Ans: Medicines alone cannot work in these Lifestyle diseases.
Lifestyle modification plays a vital role
So start with your dietary discipline. Strict no to Sugars and refined carbohydrates.
Have less portion of Carbohydrate in a complex form
Timely meals with early dinner before 7 pm

..Read more

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Radheshyam

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Asked by Anonymous - Nov 21, 2024Hindi
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Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
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I am looking for a job, I had uploaded my resume in job site. A consultant called me & introduced himself telling he know some of the openings. He had a detailed discussion about my job & my skills. He told need to register to his consultancy for scheduling interview. I registered with him & he got me a interview. Interview was done by the company through skype. I could not see the company persons. They told only they can see me. Interview went on well & regarding salary I told my expectation but they told it is not possible & they told their proposal. Finally I agreed to them. They gave me code & told to visit the company for next round. Consultant called me after first round & told recruiter is very happy with the interview. Regarding salary he told why I agreed for the proposal,he will discuss again & asked to pay charges for some of his services which he will refund the day I visit to the company & take the orders. I paid him. He told there is a increase in salary he has discussed with recruiter & again asked for the money I did only partial payment & further will not pay anything. Second round also happened through skype instead of in person. Interview went on well & salary offered was good comparing to before & there was a big jump. Recruiter told they have planned to give additional responsibilities so they have increased. Finally they gave me a date to visit company. I asked when will I get the order, he replied he will send to consultant as I was taken by them. Till now i did not get the orders, consultant is keep on postponing. Now he told visit to company date is also postponed, he will update in next week & not to worry as job is confirmed. Now not understanding what to do, am I been cheated or wait.
Ans: Dear Mr. Keshava ,

There are many unscruplous job agents who are fake and claim themselves to be a Placement consultant. In short You have been cheated . Before paying any fee for registration , you must ensure that the agency is genuine . If not don't even upload your resume . You may write to company , lodge a complaint against the agency. If the amount is very high , pl. take the help of police . .

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

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I hv started sip in 2008 and still continued , now the monthly sip is 55k and total value is 1.85cr. Need to accumulate 7cr with in next 4 yrs pls guide how can i achieve. - Deepak J. Hajari
Ans: Deepak, your long-term SIP discipline is impressive. Accumulating Rs. 7 crore in 4 years is ambitious. Achieving this goal requires a strategic approach, as time is limited. Let's create an actionable plan for your success.

Current Financial Snapshot
Ongoing SIPs: Rs. 55,000 monthly.
Current Portfolio Value: Rs. 1.85 crore.
Target Corpus: Rs. 7 crore within 4 years.
Your consistent investing habits have built a solid foundation. However, to achieve your target, adjustments are needed.

Key Challenges
Short Time Frame: Four years is a limited period for aggressive wealth accumulation.
Significant Gap: A gap of Rs. 5.15 crore remains to meet the Rs. 7 crore goal.
Market Volatility: Equity investments might face short-term volatility.
Recommendations to Bridge the Gap
1. Increase Your SIP Contributions
Raise your SIP amount to Rs. 1.25 lakh per month.
This increase ensures faster wealth creation through compounding.
Prioritise high-growth funds in equity-oriented categories.
2. Invest Lump Sum Amounts
Consider deploying a lump sum if you have idle savings or low-yield investments.
Invest in aggressive equity mutual funds for higher potential returns.
Break down the lump sum into tranches for better market timing.
3. Diversify into High-Growth Mutual Funds
Focus on small-cap and mid-cap mutual funds for higher growth potential.
Maintain a balance with some large-cap exposure for stability.
Ensure the portfolio aligns with your high-return requirements.
4. Avoid Overexposure to Debt or Low-Yield Instruments
Limit debt investments during this aggressive growth phase.
Avoid instruments like FDs or debt mutual funds with lower returns.
Rely on equity for the next four years to maximise growth.
5. Rebalance Your Portfolio Regularly
Conduct a portfolio review every 6 months.
Reallocate funds based on underperforming or outperforming sectors.
Keep your portfolio aligned with market trends and your goals.
6. Capitalize on Bonus or Windfall Gains
Direct any bonuses, salary hikes, or windfall gains towards your target.
Avoid unnecessary expenses during this focused phase.
Tax Efficiency Matters
Equity Mutual Funds Taxation: Gains above Rs. 1.25 lakh are taxed at 12.5%.
Debt Mutual Funds Taxation: Taxed as per your income slab.
Plan redemptions strategically to minimise tax liabilities.
Leverage Market Opportunities
Benefit from Market Corrections: Use corrections as opportunities to invest lump sums.
Stay Invested for Compounding: Avoid early redemptions to let compounding work fully.
Role of Regular Monitoring
Track Performance: Ensure funds are performing as per expectations.
Switch Funds if Needed: Shift from underperforming funds to high-growth options.
Final Insights
Deepak, achieving Rs. 7 crore in 4 years requires aggressive yet calculated strategies. Increase your SIPs, deploy lump sums, and focus on high-growth funds. Regular monitoring and disciplined investing are key to your success. Stay patient and consistent.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 20, 2024Hindi
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I am 50 yrs old. If I invest 60k per month for 10 yrs in SIPs of MF then will I be able to achieve the corpus of Rs. 2.50 Crs and if not how much shall I invest per month and in which SIP schemes
Ans: You have a clear goal to invest Rs. 60,000 per month for 10 years. The goal is to accumulate Rs. 2.5 crore through mutual fund SIPs. Let us analyse your query in detail and provide actionable insights.

Evaluating the Feasibility of Your Investment Plan
10-Year Time Frame:
Ten years is a medium-term horizon. Equity-based mutual funds offer good growth potential for this period.

Monthly SIP Contribution:
A SIP of Rs. 60,000 is significant. It shows your commitment to wealth creation.

Target Corpus Analysis:
The target of Rs. 2.5 crore depends on consistent returns. Market performance influences results.

Expected Returns:
Equity funds can give 10%-12% annualised returns in the long run. However, returns are not guaranteed.

Is Rs. 60,000 Sufficient?
Your current contribution may not be sufficient to reach Rs. 2.5 crore in 10 years.

For 10%-12% Returns:
You might accumulate Rs. 1.9–2.1 crore. There could be a shortfall of Rs. 40–60 lakh.

Solution:
Increase your SIP amount to Rs. 75,000–80,000 monthly for a better chance of achieving the goal.

Optimising Your SIP Contributions
Step-Up SIPs:
Increase your SIP amount by 5%-10% every year. This adjusts for inflation and higher earnings.

Lump Sum Boost:
If you have surplus funds, invest a lump sum. This accelerates your goal.

Diversify Investments:
Allocate across equity and hybrid funds for balanced growth and risk management.

Selecting the Right SIP Investments
Actively managed funds are suitable for your goals. Avoid index funds due to their limitations.

Equity Funds for Growth:
These funds have high growth potential over 10 years.

Diversified Portfolio:
Choose funds across large-cap, mid-cap, and multi-cap categories. This spreads risk effectively.

Hybrid Funds:
Hybrid funds provide stability by balancing equity and debt investments.

Avoiding Direct Funds
Investing through direct funds might seem cost-effective but has drawbacks.

Limited Guidance:
Direct funds lack professional advice. This could lead to suboptimal fund choices.

Benefits of Regular Plans:
A Certified Financial Planner ensures proper fund selection and portfolio review.

Managing Tax Implications
Understanding taxation helps optimise your returns.

Long-Term Gains:
LTCG above Rs. 1.25 lakh is taxed at 12.5%. Plan redemptions strategically.

Short-Term Gains:
STCG on equity is taxed at 20%. Avoid frequent withdrawals to minimise this tax.

Hybrid Funds Taxation:
Gains from hybrid funds are taxed as per your income slab.

Steps to Achieve Rs. 2.5 Crore
Increase SIP Amount:
Raise your SIP to Rs. 75,000–80,000 monthly.

Review Annually:
Monitor portfolio performance and adjust investments.

Use a Balanced Strategy:
Combine equity funds with hybrid funds to optimise risk and return.

Seek Professional Help:
Work with a Certified Financial Planner to refine your plan.

Final Insights
Your goal of Rs. 2.5 crore in 10 years is achievable with adjustments. Increase your SIP amount and maintain discipline. Diversify investments and periodically review the portfolio. A Certified Financial Planner can guide you for maximum efficiency and clarity.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...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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