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Komal

Komal Jethmalani  |308 Answers  |Ask -

Dietician, Diabetes Expert - Answered on Nov 26, 2020

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
Amit Question by Amit on Nov 26, 2020Hindi
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Hi Komal
I am 35 years old.
I have not paid any specific attention to either my diet/nutrition or exercise till now.
I want to start and I want my wife, 30 years, and son, 10 years, to start too.
How would you suggest this family of beginners starts?
Amit Khanna

Ans:

Glad to know that you have started your journey towards fitness.

It is never late to begin. But once you have decided, then remain focused.

The food we consume in an Indian setting is generally a family meal. So changes in dietary habits will affect all the family members.

Start with refraining from binge eating.

Avoid all high fat and sugar foods, fruit juices, alcohol, packaged foods etc.

Concentrate on incorporating healthy foods in the family diet like fruits and vegetables, whole grain cereals, lentils and healthy fats.

In addition, increase physical activities.

Go for walks/jogging or any sports activities.

You can do some stretch or strengthening exercises as well.

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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Roopashree

Roopashree Sharma  |187 Answers  |Ask -

Yoga, Naturopathy Expert - Answered on Oct 05, 2021

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Dear Roopashree, I have two cases where I need your help. 1. My daughter, who is 16 years old, was a state level swimmer until two years ago.At that time, her diet and exercises were at a very different level.She suddenly decided to quit swimming. This led to weight gain and she became 60 kg; her height is 5.2 feet.She then started some exercises, watching YouTube, etc, and went into self-starvation mode in order to reduce weight.We didn’t realise that she started throwing food. It continued for months while she doubled her exercise to twice a day.As a result she not only lost 15 kg in a year, but it also stopped her periods for a year now.Can you help us with this problem?2. For myself, I am 44 years old, height 5 feet, weight 60 kg and a big belly.I like to eat spicy food so maintaining just soup based diets becomes difficult beyond a day or two.Can you guide me on what diet programme I should follow to reduce 7 kg in next five months?I have a family occasion coming up in Feb 2022, for which I want to be ready.Shalini Shukla
Ans:

Let me tackle this individually.

Let’s look at your daughter first.

We often define health by weight. While it is certainly an important factor, body functions -- whether hormonal, digestive and/or nervous -- are equally, if not more, important.

Given the major shifts in your daughter's routine, both during her swimming days and workout days, her body must be going through a lot. And let’s not forget the hormonal changes happening during this age.

I would suggest that she takes a mental break from thinking about diet and exercise for at least 2-3 months.

This does not mean she should overeat and not do basic physical exercises. Instead, opt for a balanced diet (lots of fruits and less of grains and processed foods).

Include a little physical activity (not workouts) but more playful activities. Light walks or basic jogging, yoga or any other sport of her choice like badminton, etc, will keep the body remain active without stressing the hormones.

She can also start basic pranayama (deep breathing exercises) to balance her energies and lower stress levels.

As far as her menstrual issues are concerned, I would suggest you meet an ayurvedic practitioner. They will identify if there is any possible imbalance of the elements and recommend ayurvedic medicines if required.

Shalini, let’s look at your concerns now.

A big belly can be due to many reasons -- excess fat retention, water retention, bloating, etc.

You should focus on addressing the root cause and not on weight loss through strict dieting.

I suggest you follow some basic principles of food intake, starting with a detox for your stomach.

Have a glass of petha (white pumpkin) juice (recipe here) in the morning. Avoid eating anything else for an hour. Do this for a month.

Avoid fried food and restrict non-veg and heavily processed foods during this period.

You can eat a full meal, but avoid eating after sunset.

Spices can be therapeutic as well as harmful, depending upon consumption.

If you practice yoga, then do Kapalbhati pranayam for 5-10 minutes in the morning.

Half an hour after your meals, go for a stroll.

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Komal

Komal Jethmalani  |308 Answers  |Ask -

Dietician, Diabetes Expert - Answered on Aug 22, 2022

Roopashree

Roopashree Sharma  |187 Answers  |Ask -

Yoga, Naturopathy Expert - Answered on Aug 29, 2022

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Dear Roopashree I have never exercised and never been physically fit. But I need to start now. Can you suggest me a good routine to start week one, week two, week three and week four and what I should do after that? I get tired very soon when exercising and it makes me give up. Very grateful for your help. Madhu
Ans:

One of my earlier articles captures how one can begin their wellness journey. It has the answers to all your questions. You can read it here

Remember that a healthy diet and routine is the first step towards wellness -- but only if practised consistently.

In wellness, those who are slow but steady always win; therefore persistence is more important than following stringent diets/heavy workouts and then letting it go!

Please move gradually into the regime so your body can cope up and doesn’t want to give up. 

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Roopashree

Roopashree Sharma  |187 Answers  |Ask -

Yoga, Naturopathy Expert - Answered on Mar 23, 2023

Asked by Anonymous - Mar 20, 2023Hindi
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Hi Gurus! I am 40 yr old MAN and I have never been regular at gym or exercising. I am 5 kg overweight as per my recent BMI and heart age of 52 yrs (not sure how reliable those results are but they definitely indicate something needs to be fixed) but no other serious health issues 🤞. However, I do perform some form of stretching, push-ups etc once in a couple of weeks which my physiotherapist advised as I had sciatica related pain in past. I do get back pain due to sedimentary lifestyle. Basically, I have not been taking my body and fitness seriously so far in my life. Now, I want to consciously start working out and get more active (my 40th B’day resolution 😊 ) and hence need your help with following (probably silly) situation: - I always wake-up hungry (~ 7:30 AM) and end up having a filling breakfast e.g 2 parathas or 5-6 cookies or 3-4 slices of toast & butter with mug full of chai with enough sugar and hence not able to exercise in the morning. Starting my day with red cross (❌) mark against a task (exercising) doesn’t set a good precedence either. In past I tried starting my day with glass of lukewarm water and lemon / honey etc but in just matter or 20-30 mins, I would feel extremely hungry, and I end up overeating, feeling more guilty ☹. Even after stuffing so much, I am again super hungry by ~13:00 ish for Lunch. TBH, I don’t see people around me eating so much ☹ -I cannot exercise in the evening as there is not fixed time when I would end my day. Also, I want to keep my evenings free for other imp things in my life 😉 Please guide how can I address my above issue so that either I don’t wake up hungry or I can eat something and still exercise. I googled my symptoms, and it says it’s a sign of PMS (?)
Ans: :) It looks like you have identified your problem, now the only thing left is to take steps in the right direction. If you are having dinner by 8PM or so, it is ok to feel hungry in the morning. It is good to take plain lukewarm water in the morning (3-4 glasses is also ok), you can eat if you feel hungry within half hour or so. To find the right time for exercise, start your day early by 06AM, so that you can have water and exercise by 07AM and still have your breakfast at 8AM.
Considering your current lifestyle, start with 15-20 mins of moderate walking, don't start with rigorous exercise as it may lead to muscle cramping. Ideally, you should go out for walking, but if you can't find time then find innovative ways like - spot walking, using your balcony or any free area near you. After a month you can gradually start with slow surya namaskar (if you havent practiced earlier, learn from a professional yoga practitioner and don't follow random online videos. Even 10-11 rounds are enough for the day, you can increase gradually as your stamina increases.
In your diet, replace cookies and biscuits with heathier options - get good quality home made, oats or whole wheat cookies, with jaggery, instead of white sugar and preservatives. Just to rule out any ailments, you can get a full body check-up including 2-3 Echo under prescription from a physician. Hope you can continue with your evening routine with your health routine...

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Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 12, 2024Hindi
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A friend of mine is aged 47 yrs is a salaried income is 1 lakh p m at present, he is away from his hometown and living in a good city in india with his family,he was having a 2bhk flat whick he has purchased in his hometown, against which he took a loan from someone fir 14 lakhs to repay his debt since 10 yrs ago,still the outstanding is 14 lakhs, in 2024 he will get some funds 4 lakhs approx ,what he must do in this situation, should he take back the property by paying slowly all the 14 lakhs in coming years ,or he will just leave the property and with his own money look for taking a new property, the old flat is in 4th floor not having lift.He is scared about the present property cost and how will he be building a new house in his hometown..kindly advise
Ans: Navigating Property Ownership: Assessing Options for Financial Security
Your friend's situation presents a complex decision regarding property ownership and financial stability. Let's evaluate the available options and recommend a course of action that aligns with his long-term financial goals and current circumstances.

Understanding the Current Situation
Property Ownership: Your friend owns a 2BHK flat in his hometown, which he purchased 10 years ago with a loan of 14 lakhs. Despite regular repayments, the outstanding amount remains the same.

Financial Constraints: With a monthly income of 1 lakh and family responsibilities, managing additional financial burdens can be challenging, especially considering the stagnant loan amount and potential property maintenance costs.

Evaluating Options
Repaying the Loan: Your friend can consider gradually repaying the remaining loan amount of 14 lakhs from the funds he expects to receive in 2024. This approach allows him to regain full ownership of the property, eliminating debt obligations.

Selling or Abandoning the Property: Given the property's location on the 4th floor without a lift and the uncertainty surrounding its market value, your friend may contemplate selling or abandoning the property altogether. This option frees him from loan liabilities and potential maintenance expenses but necessitates finding alternative housing solutions.

Exploring New Property Investment: With the funds received in 2024, your friend could explore investing in a new property that better suits his current needs and preferences. However, the feasibility of this option depends on various factors such as property costs, location, and financial constraints.

Considerations for Decision-Making
Financial Stability: Prioritize your friend's financial stability and ability to manage debt obligations and future expenses effectively.

Long-Term Goals: Consider your friend's long-term goals, including retirement planning, family needs, and property ownership preferences, when making decisions about property ownership.

Market Analysis: Assess the current real estate market trends in your friend's hometown to gauge the potential returns on investment and property appreciation prospects.

Seeking Professional Guidance
Encourage your friend to consult with a financial advisor or real estate expert to assess his options comprehensively and make informed decisions aligned with his financial objectives and circumstances.

Conclusion
Your friend's decision regarding the 2BHK flat ownership requires careful consideration of various factors, including financial stability, long-term goals, and market dynamics. By weighing the available options and seeking professional guidance, he can navigate this situation effectively and secure his financial future.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Ramalingam Kalirajan  |2424 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 13, 2024Hindi
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Hi, I am currently 24 years old am earning around 11lpa I am investing around 60k each month (5k sip) rest lumpsum. What should be my investing strategy to get corpus of 10cr, I want to retire within 50 years. I already hv invest around 8.1l
Ans: Crafting Your Path to a 10 Crore Corpus: A Long-Term Investment Strategy
Your proactive approach towards investing at a young age and setting ambitious financial goals demonstrates foresight and determination. Let's outline a comprehensive investment strategy tailored to your objective of accumulating a 10 crore corpus by retirement within 50 years.

Current Financial Landscape
Young Age Advantage: Starting your investment journey at 24 provides a significant advantage due to the power of compounding over an extended period.

Steady Income and Investments: Earning 11 lakhs per annum and allocating 60k monthly towards investments, including SIPs and lump sum contributions, reflects disciplined financial planning.

Long-Term Investment Strategy
Equity-Centric Approach: Given your long investment horizon and goal of wealth accumulation, adopting an equity-centric approach is prudent. Equity investments offer higher growth potential over the long term, albeit with higher volatility.

SIPs for Regular Investing: Continue with your SIPs, as they foster disciplined investing and provide the benefit of rupee cost averaging. Allocate a significant portion of your monthly investments towards equity SIPs to capitalize on market opportunities and mitigate risk.

Lump Sum Investments for Portfolio Boost: Utilize lump sum investments to bolster your portfolio and seize attractive investment opportunities. Consider diversified equity mutual funds or blue-chip stocks with strong growth potential and track record.

Diversification Across Asset Classes: While equity forms the cornerstone of your investment strategy, consider diversifying across other asset classes such as debt, real estate investment trusts (REITs), or gold to mitigate risk and enhance overall portfolio stability.

Monitoring and Adjustments
Regular Portfolio Review: Periodically review your investment portfolio to ensure it remains aligned with your financial goals, risk tolerance, and market conditions. Make adjustments as necessary to capitalize on emerging opportunities or rebalance your portfolio.

Stay Informed and Educated: Keep abreast of economic developments, market trends, and investment strategies to make informed decisions. Continuous learning and staying informed are essential pillars of successful long-term investing.

Conclusion
With a disciplined investment approach, focus on equity investments, and commitment to long-term financial planning, you can work towards achieving your goal of accumulating a 10 crore corpus by retirement within 50 years. Stay disciplined, stay focused, and trust in the power of compounding to realize your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2424 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 13, 2024Hindi
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I have a current corpus of 2.25 cr. I am 46 yo working having my own business. My yearly SIP is 40 lacs. I have no loan. I want to retire at the age of 65 years. How much corpus will i'll be able to achieve with same SIP taking inflation and 10 to 12% return ?
Ans: Estimating Future Corpus: Projecting Retirement Savings Growth
Your proactive approach towards retirement planning, coupled with a substantial current corpus and significant yearly SIP contributions, sets a strong foundation for achieving your retirement goals. Let's project the potential corpus you could accumulate by the age of 65, considering inflation and expected returns.

Current Financial Situation
Substantial Current Corpus: Your existing corpus of 2.25 crores provides a solid base for wealth accumulation, demonstrating prudent financial management and planning.

Significant Yearly SIP: A yearly SIP of 40 lakhs reflects your commitment to long-term wealth creation and retirement preparedness.

Projecting Future Corpus
Inflation Consideration: Accounting for inflation is essential to ensure your retirement corpus maintains its purchasing power over time. Assuming an average inflation rate of 6-7% annually is prudent.

Expected Returns: With a diversified investment portfolio and an investment horizon of 19 years until retirement, aiming for an average annual return of 10-12% is reasonable, considering historical market performance.

Compounding Effect: The power of compounding amplifies the growth potential of your investments over time, especially with consistent SIP contributions and favorable market conditions.

Estimating Future Corpus
Using a retirement calculator or financial projection tool, we can estimate the potential corpus you could accumulate by the age of 65 based on your current SIP contributions, expected returns, and inflation rate.

Conclusion
By diligently contributing to your SIPs and leveraging the power of compounding, you have the potential to achieve a substantial retirement corpus by the age of 65. Regularly reviewing your investment strategy, adjusting for changing market conditions, and staying disciplined in your savings habits will further enhance your financial security in retirement.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...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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