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Dr Shakeeb Ahmed Khan |132 Answers |Ask -Follow

Physiotherapist - Answered on Mar 23, 2024

Dr Shakeeb Ahmed Khan is a senior consultant physiotherapist with over 12 years of experience specialising in orthopaedic and paediatric physiotherapy.
He has served as a technical consultant for the World Health Organisation, the United Nations, the Tata Institute of Social Sciences and several national and international NGOs.
Besides physiotherapy, he is keenly interested in disability management, early intervention, geriatric care and assisting children with disabilities.
Dr Khan has a bachelor's degree in physiotherapy from the Ravi Nair Physiotherapy College in Wardha, Maharashtra, a master's degree in disability rehabilitation administration from the National Institute for the Mentally Handicapped, Secunderabad, and a PhD in disability management from Bangalore University.... more

Asked by Anonymous - Oct 30, 2023Hindi

Health

Hii sir... I'm a physiotherapist professional. I'm lacking confidence to start up my own clinic.. what are the things that i should keep in my mind before starting off my clinic setup?

Ans: I can completely understand your nervousness which is quite natural. Before embarking on setting up your physiotherapy clinic, develop a comprehensive business plan outlining your mission, target market, services, pricing, and marketing strategy. Choose a strategic location with easy access and visibility, ensuring compliance with all regulations and obtaining necessary licenses. Invest in high-quality equipment, hire skilled staff, and establish efficient insurance billing processes. Focus on branding, marketing, and creating a positive patient experience. Manage finances meticulously, stay updated with industry advancements through continuing education, and build strong referral relationships. With careful planning and dedication to excellence, you can confidently launch and grow your clinic.

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 rasisuresh - Feb 08, 2012Hindi

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hello Sir, I planned to start new IT company? Can you tel me what are the factors to consider before start?

Ans: IT is a people driven business. If you have good people to create and sell software, then go for it.

Baqar Iftikhar Naqvi | Answer |Ask -Follow

Start-up Mentor - Answered on Sep 18, 2023

Question by SURAJIT - Sep 15, 2023Hindi

Sir, Salam Ali Kulm, to be very honest, i did Business Analysation from IIT, after having an Unparalleled experience with in Several Sectors with Infra sectors, Machineries, FMCG, Office Automation, Home Appliances, Pharma Engg, Science & Technology Sector etc,, where Non-Renewable Energy including Bio-Technology etc. etc. Since, I don't have mentality to work as Full Time with a Single concern,, as because, I found I am Loosing my talents,, I have Govt. Machineries direct Contact for any Positive Issues to get a Click,, The Problem is to Get a Start up is a Must for me,, as I feel. But, because of my recent Personal Problem I lost huge Cash, which liquidified &, I became helpless,, So, Now, I want to Start of My Own Practice with a Start up Approach for my Known Sectors.. Will it be Ok,, if found OK, then Suggest me,, On what way I must Present my Approach,, where gradually I can built my Confidence level & Survive my livelihood etc etc. by Providing Industries to growth & vice-versa. You may contact via my mail too. KHUDA HAFIZ,, SURAJIT

Ans: I think you need focus in your life. Build your core skills in either a vertical industry or a horizontal function that cuts across all industries. Do 1-2 pilot projects with some companies, at whatever compensation they are willing to hire you. Once you build your credentials, sell your services aggressively.

Ramalingam Kalirajan |7592 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

Question by Nachiketa - Feb 17, 2024Hindi

Money

Hello sir, i am a Doctor and currently i have shifted to corporate job which pays around 60lpa. I have invested about 60 lakhs in stocks and mutual funds with monthly SIP of 1 lakh. I have around 15 lakhs in FD , 1 lakh in Gold and crypto. I want to open a hospital in 2-3 years that will require me around 5 crores. How should i approach that? I want to avoid taking loans and pay interest.

Ans: Opening a hospital is a significant and noble ambition. Your current financial situation shows a good mix of investments and savings. Planning for this major goal requires a strategic approach to ensure you can gather the required funds without taking loans.

Assessing Your Current Financial Position
You have a strong financial foundation with diversified investments. Your monthly SIPs and current investments in stocks, mutual funds, fixed deposits, gold, and crypto show financial prudence.

Understanding the Funding Gap
You need Rs 5 crores to open your hospital. Currently, your assets total approximately Rs 76 lakhs, including Rs 60 lakhs in stocks and mutual funds, Rs 15 lakhs in FDs, Rs 1 lakh in gold and crypto.

Setting a Realistic Time Frame
You aim to gather the required funds in 2-3 years. This ambitious timeline requires a focused and aggressive investment strategy.

Leveraging Your Monthly SIPs
Your Rs 1 lakh monthly SIP is a strong commitment towards building your wealth. Continuing this SIP will help in accumulating a substantial corpus. Consider increasing your SIP amount if possible, as your income allows.

Optimizing Your Investments
Diversify within your existing portfolio. Ensure that your investments in mutual funds are balanced across different categories like equity, debt, and hybrid funds. This diversification helps in managing risk while aiming for growth.

Exploring High-Growth Investment Options
Evaluate high-growth mutual funds and stocks that have a potential for significant returns over the next few years. Be mindful of the associated risks and ensure a balanced approach.

Redeeming Fixed Deposits Strategically
Fixed deposits provide security but lower returns. Consider breaking your FDs and reinvesting in higher-yielding instruments. Ensure that you retain some portion in liquid assets for emergencies.

Utilizing Gold and Crypto Investments
Gold and crypto are part of your diversified portfolio. Assess their current value and potential growth. If they perform well, they can contribute to your fund requirement. However, avoid over-relying on these volatile assets.

Supplementing with Savings
Given your high income, aim to save a significant portion of your salary. Direct these savings into investment avenues that align with your risk appetite and growth expectations.

Regular Review and Adjustment
Regularly review your investment portfolio to track performance. Adjust your strategy based on market conditions and your financial goals. This dynamic approach ensures you remain on track to achieve your objective.

Consulting a Certified Financial Planner
Engage with a Certified Financial Planner (CFP) to get personalized advice. A CFP can help in fine-tuning your investment strategy, ensuring it aligns with your goal of opening a hospital without taking loans.

Exploring Partnership and Collaboration
Consider partnering with other medical professionals or investors who share your vision. This collaboration can ease the financial burden and bring in additional expertise and resources.

Investing in Growth Funds
Actively managed funds often outperform index funds due to professional management. Their ability to adapt to market conditions can provide better returns, aiding in faster accumulation of the required corpus.

Balancing Risk and Return
While aiming for high returns, it’s crucial to balance risk. Ensure a mix of aggressive and conservative investments to safeguard your capital while aiming for growth.

Planning for Contingencies
Keep a contingency fund for unexpected expenses. This ensures that your primary investments remain intact, and you don’t have to liquidate assets prematurely.

Long-Term Vision
While focusing on your immediate goal, keep a long-term perspective. Ensure that your financial decisions today don’t compromise your future financial security and goals.

Conclusion
Your ambition to open a hospital is commendable. With strategic planning and disciplined investing, you can achieve this goal without taking loans. Regularly review and adjust your strategy, seek professional guidance, and stay committed to your financial plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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IIT-JEE, GATE Expert - Answered on Jan 21, 2025

Question by Hemanth - Jan 20, 2025Hindi

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Am 33 years old, MALE. Working as IT admin in a Rural Co-operative bank, Am having knowledge on SQL, Domain, Database Management, banking and Networking. I want to move to Bangalore for higher paying job, am I still got chance to get myself placed in a MNC, shall i go for Cyber Security or Coding Domain. Please guide me. And which course or certification suits me at.

Ans: reputed Cyber Security or Coding Domain good , speak to industry people before leaving present job

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Plastic-Aesthetic Surgeon, Emergency Care Consultant - Answered on Jan 20, 2025

Asked by Anonymous - Jan 07, 2025Hindi

Health

How to avoid habit of nail biting?

Ans: You need to control your urgent , be less stressed and distract yourself by by being busy.
But if still it doesn't get controlled, pl see a psychologist

Ravi Mittal |508 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Jan 20, 2025

Asked by Anonymous - Jan 15, 2025

Relationship

my mom and dad knows about me and my boyfriend .. me and my bf have never had anything sexual or something ever . but my mom the other day saw a pic of him and me in which he had his hand on my waist ans she had it up all against me she started saying all those mean thing and comparing me with the other girls who become physical in relationship . what do i do

Ans: Dear Anonymous,
I understand that you are in a tricky situation. First, let's acknowledge that couples who decide to get intimate are not "bad." Their choice is just different from yours. You can try to explain the same to your mother- though it will be tough, everyone needs to understand this. Secondly, in this situation, all you can do is let her know that her upbringing will never allow you to lie to your mom or cross boundaries that will hurt her and your dad. This way, you might be able to regain her trust.
Best Wishes.

Ravi Mittal |508 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Jan 20, 2025

Asked by Anonymous - Jan 14, 2025Hindi

Relationship

What types of questions should I asked to a boy on the first meeting??

Ans: Dear Anonymous,
There is no hard and fast rule that you have to ask a certain set of questions. You can ask anything you like- things that are important to you, deal breakers, attributes you would want in your partner, etc. Anything that isn't rude, or too intrusive is okay. For instance, you can ask him what are his hobbies, passions, and career plans; does he like to travel, what are his values, his religious and political stance, does he drink or smoke, is he outgoing or loves to spend most of his time indoors, family plans, does he want kids, etc. These are all questions that will help you get a better picture of who this person is- but most importantly, let the conversation flow on its own. You do not have to make a questionnaire. You will get a fair idea of what to ask once you start talking.
Hope this helps.

Ravi Mittal |508 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Jan 20, 2025

Asked by Anonymous - Jan 11, 2025Hindi

Relationship

I am a 20 years old guy and in my past romantic relationships, have shown signs of emotional instability, too much dependency and lack of awareness of boundaries which affected my relationships badly...I hadn’t interacted with people in a long while since 2020 (precisely when lockdown had started) and feel that some aspects of my personality are not developed fully as they should be at this age. How to work on this? Also, i have noticed that I am able to create a good first impression but it soon pales and I feel like I am subtly disrespected or talked down to, and this has been happening in all interactions...i am always respectful (often to a fault!) and even have people pleasing tendencies...i sometimes ask immature weird questions and that might probably be the reason (but they’re never inappropriate)...but i do want to gain insights into why i am experiencing what i am and how to navigate this situation well so that I can maintain healthy relationships in future. Thanks you!

Ans: Dear Anonymous,
First of all, I want you to understand that it is no small feat to realize the quirks and imperfections in ourselves- you have done it. Your effort to understand and rectify them deserves to be acknowledged and appreciated.
Now, coming to your question, I can only give you some general advice on each-
Emotional instability and dependency- these behavioral patterns can stem from various factors; it can be a lack of confidence or some past issues that are left unresolved. It is difficult for me to tell you exactly why it is happening. It can also arise from a lack of validation. To manage it, you can focus on self-regulation- like meditation or journaling whenever you feel these emotions rising. This way you are expressing them but not damaging your relationships. Take up new hobbies or goals. Achieving milestones can build confidence.
Navigating Boundaries- You can speak to your partner in the early stage of the relationship to understand their boundaries. This way there will be clarity and you won't overstep. You can set up some boundaries too.
For better interpersonal skills, you can proactively follow some rules- like active listening, avoiding overthinking, asking open-ended questions, and resisting the urge to seek your partner's approval.
About the awkward questions- it is important to understand that you might perceive them as awkward, but the person opposite to you might think of it as a genuine curiosity. As long as it isn't intrusive or inappropriate, there are no awkward questions.
Like these, I can only offer you some general advice. But the best advice of them all would be to seek counseling. It has done wonders for people. And the first step, which is identifying the issues is already done. Bravo! What's wrong with taking a little professional help in navigating the next steps? They can guide you in a more structured manner.
Hope this helps.

Kanchan Rai |499 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Relationship

I’ve been in a relationship with a girl for the past 4 years, but due to various issues, things have become extremely complicated. Her father doesn’t approve of me, and my mother doesn’t like her either. Despite this, we’ve managed to stay together all these years. The problem is now escalating. My family is pressuring me to marry someone else, but I’m unable to leave her. At the same time, I feel I can’t marry her either because of her behavior and the ongoing issues with my family. I’ve tried to ask her to change certain things, but she hasn’t made any efforts in that direction. To make matters worse, her mother supports our relationship and trusts me, which makes it even harder for me to walk away. I don’t want her to marry someone else, but I also feel stuck because of my family’s expectations and the challenges in our relationship. Even If I leave her I don't know what she is going to do. What should I do in this situation to make the best decision for everyone involved?

Ans: it's crucial to reflect on what you truly want and need from a relationship. Ask yourself if this relationship brings you the happiness and fulfillment you seek, or if the challenges you face are too significant to overcome. It's important to differentiate between staying out of love and staying out of fear or obligation.

Talking to your partner openly is essential. Share your concerns honestly and listen to her perspective. If there are changes you've hoped for, express why they matter to you. At the same time, recognize that change is a two-way street—it requires effort and willingness from both sides. If she hasn't made efforts in the areas you've discussed, it may be worth considering whether this is a pattern that can be changed or a fundamental mismatch in expectations.

Your family's disapproval complicates things further, but it's important to remember that this is your life and relationship. While their opinions are significant, they shouldn't be the sole deciding factor in your happiness. Balancing respect for their wishes with your own needs is a delicate task, but ultimately, you need to make a decision that feels right for you.

If the relationship feels unsustainable despite your efforts, it may be time to consider a different path. It's understandable that you’re concerned about her well-being, especially given her mother's trust in you, but staying out of guilt or obligation can lead to further unhappiness for both of you. If you decide to part ways, doing so with kindness and honesty can help mitigate some of the hurt.

Ultimately, this decision is deeply personal. Weighing your feelings, the relationship dynamics, and your family's expectations will guide you toward a resolution that prioritizes your well-being and future happiness.

Kanchan Rai |499 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Relationship

My age is 41 years. I have two kids. Nurturing n looking after them n whole home single handedly. I am a visiting faculty in a institute . Earns very nominal earning. My husband hits me, taunts me and use very arrogant words to me like tumhe belt se maarunga n similar many worst words. His family has been always unsupportive to me . Now after 16 years of marriage, he still wants me to please his mother n other family. Which I completely avoid as they have never supported me and always boycotted me. His real brother is in politics and all family members including his cousins do follow him and boycotted me n husband. Now for everything my husband blames me and says if you gave pleased them, all might have good. But inspite of pleasing them a lot , they are like treating me like I am a stranger. I handle n manage everything still by the end of the day.... everything is in vain. Husband says...What you did for home? I will never ever give my money to you and so on. I am literally in trouble thoughts, what to do ? I even many times thought to end my life but my kids are the reason I continuously bears everything. Please suggest what shall I do.

Ans: it's important to acknowledge that no one deserves to be treated with such disrespect and abuse. Your feelings of isolation and frustration are valid. It can feel overwhelming when the people who should support you instead make you feel like an outsider.

In situations like this, it’s crucial to find support outside the immediate family. Reach out to trusted friends, family members, or support groups who can offer you emotional strength and practical advice. Consider speaking with a counselor or therapist who can help you navigate these complex emotions and provide strategies for dealing with the abuse and stress.

You’ve shown immense resilience, especially for your children. They need you to be strong, and seeking help is a vital step in preserving your mental and emotional well-being. Remember, prioritizing your health is not selfish; it’s necessary for you and your children’s future.

Also, explore any legal avenues or resources available for individuals in abusive relationships. Local support organizations, legal aid, or women’s shelters can provide advice and assistance if you decide that leaving the relationship is the best option for your safety and well-being.

You have already shown great courage by managing so much on your own. Continue to seek out support and know that you are not alone in this journey. There are people and resources willing to help you find a path to a healthier and more secure life.

Milind Vadjikar |871 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 20, 2025

Asked by Anonymous - Jan 04, 2025Hindi

Money

I am in debt trape around 8.5 lac with personal loan and credit card due

Ans: Hello;

What is your current monthly income?

Do you have any disposable asset?

Please take your family and friend circle into confidence and explain your difficult situation.

First priority should be to settle credit card dues since they have a very high rate of interest.

Remember the age old saying to cut your cloth according to your size.

Stop using credit cards since it cultivates tendency of reckless spending in the absence of rigorous discipline.

Henceforth do not borrow except for home loan, as far as possible.

Best wishes;

Milind Vadjikar |871 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 20, 2025

Asked by Anonymous - Jan 20, 2025Hindi

Money

I am investing in Quant active fund MF from last 12 months now and since then I am experiencing negative returns. should I stay invested or switch? If stay invested, then advise approx time to invest ?

Ans: Hello;

If you have invested for the long term(7+ years) then you should not get bogged down by such short term market volatility and drawdowns causing negative returns.

However some allegations of unfair practices against Quant AMC have surfaced.

In the backdrop of these events you may move your investment to another fund in the same category.

Happy Investing;
X: @mars_invest

T S Khurana |304 Answers |Ask -Follow

Tax Expert - Answered on Jan 20, 2025

Question by Kanagaraj - Dec 24, 2024Hindi

Money

Hi sir, I transfered 3 lakhs to my friend in 2023 as loan through bank transfer. If he repay that without any interest in 2024, should I pay income tax?

Ans: You should get the amount back through banking channel only. You would have to pay any tax on it, since this is not your income, but just return of temporary loan without interest, to your friend.
Most welcome for any further clarifications. Thanks.

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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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