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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |696 Answers  |Ask -

General Physician - Answered on May 23, 2023

Dr Karthiyayini Mahadevan has been practising for 30 years.
She specialises in general medicine, child development and senior citizen care.
A graduate from Madurai Medical College, she has DNB training in paediatrics and a postgraduate degree in developmental neurology.
She has trained in Tai chi, eurythmy, Bothmer gymnastics, spacial dynamics and yoga.
She works with children with development difficulties at Sparrc Institute and is the head of wellness for senior citizens at Columbia Pacific Communities.... more
Asked by Anonymous - May 23, 2023Hindi
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Is it a Medical condition? or Am i hyper sensitive to noise? I have a occasion weird pain in lower abdominal area occurs only when i hear loud songs or noises. I'm a women aged 28 and perfectly healthy. But whenever i use headphones or hear loud noises around me. I get easily irritated and distracted. Prolonged exposure to this noises for 5-10 min, I get pain in my lower abdomen. The pain will ease out after the absence of noise slowly and it takes like 5-6 hours or longer to get completely free from pain.

Ans: This is a very good observation.
Even though human ears are capable of receiving sounds from 20Hz - 20KHz. But listening through headphones for a long time, keep the hearing through bone conduction over engaged. These are taken as signals to the brain and hypersensitise the hair cells in the inner ears.
So use sound mufflers and avoid using headphones.
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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Ans: ``````````````````````````````````````````````````````````````````````````Sorry to hear about your condition. It is advisable for you to visit Physiotherapist considering you may have disc involvement. It is necessary that you complete minimum 10 sessions and later do exercises at home regularly. This will ensure your condition remain manageable.

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Asked by Anonymous - Apr 12, 2024Hindi
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Sir , I am working man ( Age- 52 ) , I invested in MF , LIC , NPS , ULIP , FD , TermPlan etc .. all total the market value cost of invested fund is almost Rs. 50 lakhs.. Now my query is that do I withdraw all the money ( i.e. 50 lakhs) and invested in FD for 10 years to get monthly income ? pls guide me .. I am confused ...
Ans: It's understandable to feel confused when considering significant financial decisions like withdrawing and investing a substantial amount of money. Let's weigh the pros and cons of withdrawing your investments and putting the funds into fixed deposits (FDs) for generating monthly income:
Pros of Investing in FDs:
1. Stable Income: FDs provide a fixed interest rate, ensuring a predictable monthly income stream, which can be beneficial for meeting regular expenses.
2. Capital Preservation: Your principal amount invested in FDs is generally considered safe and protected, offering stability and security.
3. Ease of Management: FDs are relatively straightforward investment instruments, requiring minimal monitoring and management.
Cons of Investing in FDs:
1. Limited Returns: FDs typically offer lower returns compared to equity-linked investments like mutual funds, which may not be sufficient to keep pace with inflation over the long term.
2. Lack of Flexibility: Once you invest in FDs for a specific term, withdrawing funds before maturity may attract penalties or lower interest rates, limiting liquidity.
3. Inflation Risk: FD returns may not always keep up with the rising cost of living, potentially eroding the purchasing power of your income over time.
Considerations:
1. Risk Tolerance: Assess your risk tolerance and financial goals to determine if the conservative approach of FDs aligns with your needs. At age 52, preserving capital and generating steady income may be a priority.
2. Diversification: Review your overall investment portfolio and ensure it is well-diversified across asset classes to manage risk effectively. Consider maintaining exposure to growth-oriented investments like mutual funds for long-term wealth creation.
3. Financial Planning: Consult with a Certified Financial Planner to create a comprehensive financial plan tailored to your goals, risk profile, and income needs. They can provide personalized guidance and help you make informed decisions.
In conclusion, while FDs offer stability and regular income, they may not be the most efficient option for long-term wealth accumulation. It's essential to balance safety, liquidity, and returns based on your financial situation and objectives.
Best Regards,
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www.holisticinvestment.in

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