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Komal Jethmalani |382 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Aug 25, 2021

Komal Jethmalani is a practising dietician and nutritionist with over 26 years of experience.
She specialises in weight loss and diabetes management.
Jethmalani has completed her MSc in food and nutrition from SNDT University and trained at Jaslok Hospital.
She is a NDEP-certified diabetes educator.... more

Question by Vishal on Aug 25, 2021Hindi

Health

Dear Komal
Lately, my knees and ankles hurt a lot. Sometimes, there is swelling.
have a normal daily routine but don't do any special exercises as such. No health issues either.
I am 40 years old, height: 5.6, weight: 60 kgs.
Vishal Sharma

Ans:

Hormonal changes and aging can cause depletion of calcium from the bones.

Vitamin D is needed for the absorption of calcium. It is also a vital nutrient for our immunity.

Keep a check on all blood parameters.

A healthy diet with adequate protein and balanced macro and micronutrients will be sufficient to achieve your requirements.

Stiffness due to lack of exercise could be one of the reasons for knee and ankle pain.

Get into a daily fitness regimen.

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 Santosh - Aug 17, 2023Hindi

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Myself 5ft 11 inch height 45years 107kg weight having knee pain since one month, please share permanent soltion to resolve this

Ans: Hi Santosh,
The only permanent solution to a knee pain is doing knee exercises everyday. You can start with strengthening exercises for quadriceps and hamstrings muscle

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Question by Harshavardhana - Sep 25, 2023Hindi

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When I walk more than 2 km or stand for long time (more than 1 hour) My both heels will get swell and also get pain in side thighs and back pain too. I use insoles too with my sports shoes during walk. I am 39 year Old male 5 feet 8 inches tall weighing around 94kg. Please help me.

Ans: Hi,
Swelling is absolutely not normal. Please don’t wait for too long and show a nearby ortho and get this examined well

Nidhi Gupta | Answer |Ask -Follow

Physiotherapist - Answered on Oct 16, 2023

Asked by Anonymous - Oct 09, 2023Hindi

Health

Hi Nidhi I am 65 with good health and I trek 3-4 times in a year, had an accident about 15 years back where my right knee ligament broke. I did not go for surgery and strengthened my other muscles with a very good physiotherapist. Since 5-6 months I sometimes get pain in the front part of my left knee and since 5-6 days back of my knee has started paining sometimes. Please advise. Thank you

Ans: Hello Anonymous,
Your right knee ligament broke and now you are getting pain on the front part of your right knee or left knee? You have written left knee.
If it is happening in the opposite knee then it could be due to that knee taking more strain. That usually happens post an injury. Even though we strengthen the muscles subconsciously our other knee tends to take more strain. Please check it out with a physiotherapist. They may need to release some muscles of the left knee and you should get better.
If your right knee is paining then better to do an x-ray and MRI of the right knee to check for the ligament and other soft tissue condition.
All the best!

Dr Shakeeb Ahmed Khan |142 Answers |Ask -Follow

Physiotherapist - Answered on Oct 16, 2024

Question by Dilipkumar - Oct 14, 2024Hindi

Health

No pain at start but after walking for 100 meters right knee suffers extreme pain and go on increasing for next 300 to 400 meters but goes out slowly when walking continued. What is this?

Ans: Dear Mr. Dilip Kumar . Thank you for your query. It sounds like you are experiencing intermittent knee pain that worsens after walking about 100 meters, intensifies for the next few hundred meters, and then gradually subsides as you continue. Pain associated with walking in the knee can occur for various reasons, and without knowing your age and medical history, it's essential to consider a few common possibilities. It could be due to osteoarthritis, especially in older adults, where the wear and tear of knee joint cartilage causes pain that may decrease after warming up. Another possibility is patellar tendinitis, involving inflammation of the tendon connecting the kneecap to the shinbone, which causes pain during walking. Iliotibial Band Syndrome (ITBS) might also be a factor, especially if the pain is on the outside of the knee. In some cases, pain that starts with walking and improves gradually could point to vascular issues, such as claudication, or a past meniscal injury or ligament strain affecting the knee's stability.

Given the variety of potential causes, it’s crucial to consult with a physiotherapist for a thorough assessment. They can perform a detailed physical examination, recommend appropriate imaging if necessary, and develop a targeted plan for managing the pain. This will help you address the root cause and ensure a quicker and safer recovery.

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I have a 2-year gap after college(B.E) since I was preparing for government exams. I still want to land a job in it, but the gap is widening, and I don't want to push it any further. Meanwhile, I have gained UI/UX skills and am preparing my portfolio. What other software skills do I acquire to enter the work force, like Cybersecurity and Data Analyst Courses? Will I still have a chance to be hired? Honestly, the gap has started to scare me(rightly so)... Any advice and suggestions will be of huge help.

Ans: Gap matters little if your knowledge is updated.Have certification course of AI and ML.Best of luck.Professor.........:)

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Question by Sasanka - Mar 15, 2025Hindi

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Dear Sir, I am 52 now, I have accumulated 19L in SIP of Rs.42000 p/m, 14L in PPF. I have withdrawn Rs. 12L from EPF for investing in a property of 45 L with a bank loan of 35 L which would invite an EMI of 32000 for next 18yrs. Due to this I might have to stop some SIPs (around 25000/0) in the first year to manage the first year EMI. However, I plan to increase the SIP by Rs. 6000 year after year. My present flat if sold off might fetch me around 25L if in need. If rented, I would get around 10000 p/m. I think of keeping both the flats. My daughter is doing her B.Sc right now, this is for info. My question, if the decision for purchase of new flat have been wise? At end of my pvt. co. service after 8 yrs. should I pay off the total principal at once or try to continue the EMI for next 10 yrs.? What do you think my financial condition be at time of retirement? Thank you. Kindly respond.

Ans: Hello;

Based on the given information, my view is your decision to purchase new flat is not correct from fiscal prudence standpoint.

It is preferable that you close all outstanding loans before getting into retirement.

Based on given information, you may have a corpus of around 1 Cr+, 8 years from now plus two flats.

Best wishes;

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Insurance, Stocks, MF, PF Expert - Answered on Mar 17, 2025

Question by S - Mar 17, 2025Hindi

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Sir need clarification regarding 1.i have done Reliance health infinity insurance for 15 lacks .date of inception is 11-6-2020 PEDs not disclosed ( DM,Hypothyroidism)( done by agent not verified me at that time) 2. Did Reliance Super top up policy after 11-7-2022 online by Reliance agent during this i disclosed that PEDs (DM,Hypothyroidism) and at that time specifically mentioned to online agent regarding PEDs and also told him to PEDs not mentioned in base policy please correct it. I never utilised insurance policy for any claims. During 23-4-24 i diagnosed to have Acute Myeloid Leukemia for which i applied for cashless admission for Reliance health infinity insurance ( base policy) They simply rejected on the basis of PEDs not disclosed. And told that your policy is canceled. But i kept a letter to company stating that in base policy PEDs not disclosed, but in super top up policy i mentioned Again the base policy renewal done after expiry by company online. Later also i went for cashless admission again they rejected claim for base policy. My question is why they did renewal of that base policy inspite of first rejection. And for super top up policy it can be claimed after spending 15 lacks i applied for cashless, they processed it and told to come for reimbursement claim After discharge i applied for reimbursement claim they simply replied that your PEDs not told correct duration since how many days. So we are rejecting this policy also For this what should i do, please Ag

Ans: Hello;

In any insurance adequate disclosure is essential to get a thorough underwriting check and risk acceptance.

Once insurance company agrees to insure with the disclosures then chances of claim rejection are remote.

You may escalate the matter with Compliance Officer of the insurance company, insurance ombudsman or IRDAI for an amicable settlement, if possible.

You may also check with organisations such as "beshak.org" for any possible help in the matter.

Best wishes;

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Question by Nandini - Mar 17, 2025Hindi

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Ans: Hello Dear
There is a strong chance to get a seat in IIITs. Best of luck to your upcoming future.
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Question by Yazdi - Mar 16, 2025Hindi

Money

NAV in my account statement is 42.6 while in reality NAV is 36.703

Ans: There are a few reasons why the NAV in your account statement (Rs. 42.6) differs from the actual NAV (Rs. 36.703). Here are the possible explanations:

Possible Reasons for the Difference
1. Growth vs. Dividend Option
Your account statement might show a growth plan NAV.

The real NAV you checked could be of the dividend option.

Growth plans have higher NAVs as profits are reinvested.

2. Regular vs. Direct Plan
Regular plans have higher NAVs due to distributor commissions.

Direct plans have lower NAVs as they have no commission costs.

Check whether you are comparing the same plan type.

3. NAV on Different Dates
NAV changes daily based on market performance.

Your account statement might reflect an older NAV.

Check if you are comparing NAVs of the same date.

4. Fund Merger or Restructuring
Some funds merge with others over time.

This leads to recalculated NAVs.

Check if your fund has undergone any restructuring.

What Should You Do?
Compare the NAV of the exact same plan type and option.

Check the latest NAV on the AMC website.

Contact the mutual fund house or registrar (CAMS/Karvy).

Ensure you are looking at the latest statement.

If the issue persists, contact customer support to verify.

Let me know if you need further clarification.

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File an FIR: Lodge a First Information Report (FIR) with the police, detailing the loss of the share certificate. This is a crucial step to document the incident officially.

Submit an Indemnity Bond: Prepare and submit an indemnity bond to the company, confirming your ownership of the shares and indemnifying the company against any claims.

Provide Supporting Documents: Along with the indemnity bond, submit other required documents such as a copy of the FIR, proof of identity, and address.

Freeze Share Transfers: The company will freeze the transfer of the lost shares for a specific period (usually 30 days) to prevent fraudulent activities.

Duplicate Certificate Issuance: After verifying your claim, the company will issue a duplicate share certificate.

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Asked by Anonymous - Mar 16, 2025Hindi

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I got 98.64 %ile in jee mains (general,karnataka).can i get ece in tier 1 nits or iiits?

Ans: Hello dear.
Chances are there to get admission to tier-1 NITs and surely in IIITs. Best of luck for your upcoming bright future.

Follow me if you like the reply.
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Asked by Anonymous - Mar 16, 2025Hindi

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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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