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Roopashree Sharma | Answer |Ask -Follow

Yoga, Naturopathy Expert - Answered on Jun 21, 2023

Roopashree Sharma, a qualified yoga trainer and naturopathy enthusiast, is the founder of Atharvanlife.
She has completed her diploma in naturopathic medicine/naturopathy from DY Patil University and her advanced diploma in yoga teacher training/yoga therapy from the university of Mumbai.... more

Question by Sidhartha on Jun 15, 2023Hindi

Health

Hello Roopashree....I have a busy and active lifestyle owing to work, I have no complaints for the same but is there any 'Lite' version of yoga I can pack in my morning ritual and for how long it should be to be effective. Am grappling with backpain by the way please...Regards Sidhartha

Ans: For backpain you can start with simple stretches like Tadasana, very slowly without putting any strain on the back as it can lead to further damage. For a healthy back, sleep on the floor for an hour before you head to the bed. Also try 'Balasana' (child pose) for 3-4 minutes before getting out of the bed to give proper stretch to the back.

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 Lokesh - Jun 15, 2023Hindi

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I am 64 year old retired government officer. I take BP and diabetes medicines and both remain under control. Kindly suggest daily yoga exercises for overall fitness. I do daily almost 4 Km walk also.

Ans: Since you have been walking regularly, you can start surya namaskar - slowly and under supervision of an experienced and certified yoga teacher. Also practice daily pranayams for 10-15 minutes, its very good for overall health.

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Question by lalit - Jun 21, 2023Hindi

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I am 82 years old, walk 5+ Km morning walk, can I do yoga on my own?

Ans: Namaste! It’s inspiring that you are active at this age. Namaste ðŸ™ðŸ¼
You can practice basic Sukshma Kriyas on your own, but I would suggest that you do therapeutic and restorative asanas with an expert. Keep up the good work.

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Yoga Expert - Answered on Sep 24, 2024

Question by HARISH - Jun 25, 2024Hindi

Health

My Name is Harish Kumar Gupta and 77 years old. I had excellent life till a year back. Now,when i get up in morning i have Headache and drowsiness . i have started morning walk and light exercises I have consulted a Neuro Physician,who has diagonised Sleep Apnea and suggest a machine to be used while asleep i am looking towards Yoga solution i have started doing Pranayama.Here exhaling should be from nostril or mouth Pl advise. Thanks for your time.

Ans: Namaste!
Please enrol in a pranayama class and practice the breath work under proper instruction only. It will help you immensely.

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Yoga, Mindfulness Expert - Answered on Nov 25, 2024

Question by Muthu - Nov 21, 2024Hindi

Health

Im 56 when i sit in floor. Cant get up. Two hands support on bed and then get up. 84 kgs slim . I cant reduce complications will arise bcoz cancer pt. Now i want t switch t yoga a beginer. Pls suggest

Ans: Starting yoga is a wonderful step to improve your health, especially when dealing with cancer and mobility challenges. Yoga can help you build strength, improve flexibility, and reduce stress. However, because of your condition, it’s essential to approach yoga carefully and safely.

As a beginner, I recommend starting with simple seated or lying-down poses like Sukhasana (Easy Pose), Balasana (Child’s Pose), and Shavasana (Relaxation Pose). Breathing exercises like Anulom Vilom (Alternate Nostril Breathing) can also help improve energy levels and calm your mind.

Since you have health complications, it’s best to learn yoga under the guidance of an experienced yoga coach. A coach will guide you on which poses are safe and beneficial for your condition. Practicing alone without proper instructions may lead to strain or injury.

Yoga is not just exercise; it’s a journey towards better physical and mental health. Start slowly, listen to your body, and take one step at a time. You will gradually notice improvements in your strength and confidence.

If you need guidance, I’m here to help you start your yoga journey safely.

R. Pushpa, M.Sc (Yoga)
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Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 11, 2025Hindi

Money

I am 48 , Income: Take home 2.5 L / pm , PPF amount 47 L , NPS - 20 L , FD- 37 L , Life Insurance - 80 L, Expenses 75 k /pm . Please advice me a plan for 2 L income / pm from 2036.

Ans: Hello;

You may need a corpus of 6 Cr to generate a post-tax monthly income of 2 L+. (Assuming 6% annuity rate and 30% tax)

Assuming your existing investment stay and continue till 2035(PPF, NPS, FD) it may grow into a cumulative corpus of 2.93 Cr.(12.5 K pm into PPF+47 L @ 6.9%, 20 K pm into NPS+20 L @ 8%, FD of 37 L @ 7.4%)

So you need to fill the gap of (6-2.93=3.07 Cr) through monthly sip.

You may begin with a monthly sip of 1 L into a combination of pure equity mutual funds and step it up each year by a minimum of 3% to reach your target in 11 years.

Here the assumption is that you have term life insurance of 80 L with no maturity value.

If it's an endowment policy then assuming maturity value of 80 L you may attain your target with a flat monthly sip of 83 K into a combination of pure equity mutual funds.

Make sure to move your gains from equity funds into liquid funds as you approach closer to your retirement to avoid it getting affected by market volatility.

Happy Investing;
X: @mars_invest

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Career Counsellor - Answered on Jan 16, 2025

Question by vikas - Jan 15, 2025Hindi

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Hello sir I am working in psb as an officer and want to switch but too confuse...

Ans: First tell me why you want to switch over to other organization? Then I can guide you. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

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Question by Heman - Jan 01, 2025Hindi

Career

Sir, Happy new year 2025, how much SAT score required to get ICT or MnC branch in DA-IICT, for NRI student?

Ans: To be admitted in the (ICT) or (MnC) branches at DAIICT as an NRI student, you need a minimum SAT score of 1068 as per the previous record. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

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Asked by Anonymous - Dec 22, 2024Hindi

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Sir which college should I choose btech biotechnology in andhra university or btech food technology in jntc kalikiri

Ans: Search in net. That can give you the best anser. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

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Question by KRISHNIKA - Dec 21, 2024Hindi

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Hello, i currently pursuing my btech biotechnology course i wanted to do my masters in abroad but i am very much confused to choose in what subject i should do my masters. can you give my some clarity about to go into industrial or research oriented programs.

Ans: You are advised to search in net the topic of your master degree from abroad which can be pursued after the successful completion of the B. Tech Biotechnology course. Search for those subjects linked to Biotechnology and Industrial research. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

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Career Counsellor - Answered on Jan 16, 2025

Asked by Anonymous - Jan 16, 2025Hindi

Career

My son is working in a multinational energy company. Work culture is very good, salary also good. He did his B.Tech in CSE in the year 2023. He is working as a Software Eng. in the ERP section (less coding). My son is interested coding (creative) related job. He has a GATE (2023) score of 581 (Gen cat). My questions are 1) Is it advisable to do M.Tech in CSE using his GATE score? If yes, then which top Colleges can be preferred? 2) Or, will he continue his present job for few more years to gain experience 3) Or, to switch to a new company? Thanks in advance.

Ans: If he is interested in teaching or research he should go for M.Tech, otherwise not. Let him continue his present job. An online MBA will pay him a lot. Let him go for that. No need to switch over to other company. A rolling stone gathers no moss. Best of luck to him. Just follow me. May God Bless Him. Professor.....................................:)

Nitin Narkhede |50 Answers |Ask -Follow

MF, PF Expert - Answered on Jan 16, 2025

Question by Ashok - Jan 15, 2025Hindi

Money

Hi Sir, I have following MF in my portfolio HDFC mid-cap Opportunity fund - 16.39lac ICICI Pru Large&Mid cap Fund - 9.96lac Nippon India large Cap fund - 10.15lac Nippon india small cap fund - 9.4lac ICICI pru Value discovery fund -9.35lac JM Flexicap fund - 7.39lac ICICI pru infrastructure fund 7.29lac HDFC large and mid cap fund - 6.29lac SBI long term equity fund - 4lac Motilal oswal midcap fund-25k In total 83lac. Please advise whether I can generate 75k per month income from the investment. Thank you in advance

Ans: Dear Ashok, Yes, you can generate ?75,000/month from your ?83 lakh investment portfolio with an average return of around 10-12% per year. Consider using SWP from your equity funds and rebalancing the portfolio to incorporate some safer, income-generating investments like debt funds for stability. Causion is if the returns goes below 12% in any of the Quarters your capital may deplete. and then you might have to reduce withdrawal. Suggesion is that withdraw 6% return only or increase your investments to 1.5 CR sothat your withdrawals exceed your rise in MF amount and your Capital is always protected.
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MF, PF Expert - Answered on Jan 16, 2025

Question by PREM - Jan 07, 2025Hindi

Money

Dear sir, I have completed 8.7months and withdrawn the PF amount. But I have received the certificate from pension authority. Can I get the pension by submitting the certificate at EPFO office or I have to withdraw the money. What to do. Please guide

Ans: For eligibility under the Employees' Pension Scheme (EPS), the minimum service requirement is 10 years of service. Unfortunately, with 8 years and 7 months of service, you do not meet the minimum 10-year requirement to be eligible for a monthly pension.
if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years. in that case, you can submit the request for eps pension.
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MF, PF Expert - Answered on Jan 16, 2025

Question by PREM - Jan 04, 2025Hindi

Money

Dear sir, I have completed 8.7months and withdrawn the PF amount. But I have received the certificate from pension authority. Can I get the pension by submitting the certificate at EPFO office or I have to withdraw the money. What to do. Please guide

Ans: Dear Prem,
For eligibility under the Employees' Pension Scheme (EPS), the minimum service requirement is 10 years of service. Unfortunately, with 8 years and 7 months of service, you do not meet the minimum 10-year requirement to be eligible for a monthly pension.
if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years. in that case, you can submit the request for eps pension.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Nitin Narkhede |50 Answers |Ask -Follow

MF, PF Expert - Answered on Jan 16, 2025

Question by Sushant - Dec 28, 2024Hindi

Money

mutual funds by oci resident in india

Ans: Dear Sushant,
OCIs and POIs can invest in Indian mutual funds. However, only a few mutual funds are currently accepting investments from US and Canadian citizens. Below are the AMCs that currently accept L&T, UTI, PPFAS, Sundaram, and Canara Robeco. Other mutual fund houses are also slowly joining in. Overseas Citizens of India (OCI) are also eligible to invest in Indian SIP plans with life cover, just like Indian residents.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

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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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