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Nidhi

Nidhi Gupta  |140 Answers  |Ask -

Physiotherapist - Answered on Dec 04, 2023

Nidhi Bajaj Gupta has 20 years of experience as a physiotherapist.
She founded the Merahki Holistic Wellness Company in 2011 and is the co-founder of Miraaya Holistic Growth Centre.
She has a bachelor's degree in physiotherapy from Sancheti Institute for Orthopaedics and Rehabilitation, Pune, and certifications in myofascial release, dry needling and craniosacral therapy from New York, San Francisco and Singapore.
She combines both Eastern and Western ways of healing. ... more
Biswajit Question by Biswajit on Nov 23, 2023Hindi
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Dear Sir, My mother ( 79 yrs.) had sudden onset of constipation & other little bit of gastro-intestinal problems two & half years back. At the same time she complained of pain in the left side of lower abdomen (illiac region). Gastroenrtrologist didn't find any specific serious problem. All tests has been done (USG abdomen, colonoscopy, endoscopy, all bood test,vitamins, TSH, LFT,KFT etc). She was checked by doctor at apollo chennai. They also didn't find any problem with gastro-entrology side. Patient still complaining of pain in left side of lower abdomen, walking difficulties. stifness all over, Pain in left lower limb, pain in the cervical region, both upper limb. Recently one of my friend (Dr.)visited my house. He has diagonised ankle edema, cervical spondyolysis, tunnel carpel syndrome & parkinson & advised me to meet an neurologist. He advised me to do CBC, CRP, Anti-CCP, X-ray of cervical region & nerve conduction study. All are normal except X-ray & NConduction. X-ray shows of spondyolysis & NC study impression : AXONAL TYPE OF SENSORI-MOTOR POLYNEUROPATHY. I met Neorologist He prescribed Pramipex 0.125mg TD for 14 days & then increase the dosage by double. I have started physiotherapy. I She is taking medicine for last four days. I am finding it difficult to manage the situation. Kindly give me some guidance or am i moving in right direction?

Ans: Hello Biswajit,
I can understand your situation. Regular physiotherapy is very important for your mother.
You can also try some other alternate therapies like sujok, accupressure or some ayurvedic treatment.
With allopathy alternate therapies are very good to do to help manage the situation better and improve her quality of life.
All the best!
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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Hello Doctor-DD here and am 50 years old. I had lower back pain on left hand side along with radiating pain in left groin area since end of March 2023. After initial local pain management, the pain did not go, so my GP asked me to do LS Spine MRI. The report suggested some nerve root issue in L4 and L5, so I was asked to refer it to spine specialist. I tried to connect with Dr. Bapat at Nanavati Hospital, but could not see him as his assistant reviewed the reports and said its mild and suggested medicines – Ultracet 1-0-1 for 10 days, Vitencial – 0-1-0 for 30 days and Calciman K10 – 0-1-0 for 30 days. However, the pain persisted with bit of increase in pain in groin area. So the assistant suggested that for pain in groin area better to check with general surgeon about hernia and / or prostate. Since my regular GP is out of town and I had to take my mother to see Dr. Pande, Urologist at Kokilanben Hospital for Urinary Tract problems. So I checked with him about my problem. So he first did Uroflow test and then physically examined the prostate also and later said it’s all fine. He said due to L4-L5 nerve issue, there is pain in groin area and suggested medication – Synaptol 50mg 1-0-1 for 3 weeks, Pregablin (50mg) 0-0-1 for 6 weeks and Etoshine 90mg – 1-0-0 for 10 days and said to do USG of Groin, PSA (total) test and HBA1C after 6 weeks and then again see him. I have started his medication from 20.5.23. He said this type of pain is due to L4-L5 nerve falls under his area and now there is no need to again see Dr. Bapat (I am scheduled for his appointment on 29.5.23). I had also done MRI for hip joints in Nov 22 and the reports were normal. Please note all through last 2-3 months, most of the time the pain is dull and mild specially when in sitting position and at times in sleeping position. If I stand, walk, there is as good as no pain or very very minimal pain. But the pain still continues but in less intensity. Since yesterday, I have also started getting pain on right hand side also, but it pains only while getting up and / or twisting the body a bit here and there. Also, today morning I was having some burning sensation in pelvic area in sleeping position but no pain at that time. I am worried about all this and do not understand what the problem could be and why it is taking so long to become normal and whether all these pains is only due to L4-L5 nerve root issue or is it due to some other complications. I had done CBC test, LFT, KFT, Routine Urine and stool test around one month back and the reports were all normal.
Ans: This would need a thorough examination in addition to the tests that were done. The possibilities are nerve root pain both in the lumbosacral and cervical areas accounting for the arms pain and pelvis and leg pain, vitamin B12 deficiency, folic acid deficiency, or a kind of nerve inflammation. Please do keep your appointment with Dr Bapat on 29th and in fact you may please come meet me as well on the same day.

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Physiotherapist - Answered on Oct 16, 2023

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i am 55 years old. Retired defense pilot. Have lots of sports injury which is showing up at this age. Body biochemistry is all with in limits, only fasting sugar is 108. For last few months i am having pain in outer left thigh muscles which increases during sleep as well as while lying down resulting in sleepless nights hence general body fatigue due lack of sleep. My exercise includes 5-6 km walk in the morning and occasionally thrice a week cycling. Orthopedic , General surgeon, neurologist as well as ayurvedic doctor has been consulted with MRI report. FINDINGS: Dorsal and lumbar vertebrae are normal in attenuation and alignment. Straightening of lumbar lordosis. Desiccation of lumbar intervertebral disc from L2-L3 to L5-S1 levels. Mild diffuse disc bulges at L2-L3, L3-L4 and L4-L5 intervertebral discs indenting anterior thecal sac with mild narrowing of lateral recesses and neural foramina. No significant compression of the cauda equina. Mild disc bulge at L5-S1 level indenting anterior thecal sac. Bilateral facet arthropathy is seen at L4-L5 level. Dorsal spinal cord, conus medullaris and cauda equine are normal. Para spinal soft tissues are normal. IMPRESSION: Mild lumbar spondylosis with mild diffuse disc bulges from L2-L3 to L5-S1 levels. Kindly help me and advice
Ans: Hello Partha,
You need to consult a physiotherapist who knows the Mckenzie treatment for slipped disc. At times pain in outer thigh can be due to slipped disc.
Or you may have a hip bursitis which will not come up in lumbar spine MRI, only hip MRI will show it. Outer thigh pain while sleeping on left side can cause pain if it is a left hip bursitis.
Or this could be a Iliotibial band tightness which is a band of muscles on the outer thigh.
A good sports physiotherapist who also knows the Mckenzie treatment needs to evaluate you, understand the root cause and accordingly give you the treatment and you should be fine.
All the best!

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Hello Archana, hope you’re doing well. My name is Sundeep Prakash with 10 years of experience into Software development in Bangalore, I would like to understand how could improve my visibility with my Org level. Any to-do list to follow. Kindly advise. Thanks
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Yes I am doing well and hope the same for you!!

I would love to help you on this.
Here's the to do list for you to increase your visibility in your organisation-
1. always dress up for the next level. Always wear ironed clothes. A collared shirt, formal trousers, polished shoes. Your socks need to match your trousers. A neat formal belt. Belt and shoes to match . Look the part
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3. develop leadership qualities
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I don't want to overwhelm you with more, just do these 10 pointers and see the difference it'll make to your image in the office.

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At the end of the day...be happy and spread happiness too!!

All the very best and more power to you!!

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Hi, my daughter is doing +2 (medical) in India. She want to become doctor. What are the options for her to become doctor in US? What she needs to study in US after her +2 (medical) in india?
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Sir, I am 72 years old and want to invest Rs 15 lac in M.F, in swp.already invested 22 lac in MF .I am high risk taker . I want swp amount after one year. Please suggest M.F schemes . Thanks
Ans: Given your risk appetite and requirement for SWP after one year, it's crucial to focus on mutual fund schemes that offer potential for high returns while considering the relatively short investment horizon. Here are some suggestions:

Large & Midcap Funds: These funds invest in a mix of large-cap and mid-cap stocks, offering a balance between growth potential and stability. Look for schemes with a track record of consistent performance and experienced fund management.
Sectoral/Thematic Funds: If you have specific sectoral preferences and are willing to take higher risks, you can consider investing in sectoral or thematic funds. These funds focus on specific sectors or themes like technology, healthcare, or infrastructure, offering the potential for higher returns but also higher volatility.
Aggressive Hybrid Funds: Aggressive hybrid funds invest primarily in equities with a smaller allocation to debt instruments. They are suitable for investors seeking growth with relatively lower volatility compared to pure equity funds.
Flexi Cap Funds: These funds have the flexibility to invest across market capitalizations based on market conditions. They offer a dynamic approach to asset allocation and can adapt to changing market trends.
Mid & Small Cap Funds: If you have a higher risk tolerance and a longer investment horizon, mid and small-cap funds can potentially offer higher returns. However, they also come with higher volatility and risk, so careful selection and monitoring are essential.
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I have been laid off by my company and I have a PF balance of around 22 lacs. I read we are allowed to withdraw 75% if we are laid off and being unemployed at least for a month. I am thinking if it is a good idea to withdraw this 75% and invest in diverse options like mutual funds, FDs or corporate bonds which give better interest? I see mutual fund options in many apps these days with some good performing funds giving 33% returns on 3-year average. So should I consider investing at least 50% of my PF corpus in that option and balance in others? Please advice.
Ans: I'm sorry to hear about your job loss. With regards to your PF withdrawal, it's essential to carefully consider your options before making any decisions.

PF Withdrawal: Yes, you are eligible to withdraw up to 75% of your PF balance if you are unemployed for at least a month. However, withdrawing this amount means depleting your retirement savings, so it's crucial to evaluate the long-term implications.
Investment Options:
Mutual Funds: Mutual funds can offer potentially higher returns compared to traditional options like FDs. However, they also come with market risk, and past performance is not indicative of future results. Consider investing in a diversified portfolio of mutual funds across different asset classes and fund categories to mitigate risk.
FDs: FDs provide stable returns and capital protection but offer relatively lower returns compared to equity investments. They can be suitable for short to medium-term goals and for preserving capital.
Corporate Bonds: Corporate bonds can provide higher returns than FDs but carry credit risk associated with the issuer's ability to repay the debt. Investing in highly-rated corporate bonds or bond funds can offer a balance of risk and return.
Asset Allocation: Consider diversifying your investments across different asset classes to manage risk effectively. You may allocate a portion of your PF withdrawal to mutual funds for growth potential, while also keeping a portion in safer options like FDs or bonds for stability.
Financial Planning: Before making any investment decisions, I strongly recommend consulting with a Certified Financial Planner (CFP) or a qualified financial advisor. They can assess your financial situation, understand your goals and risk tolerance, and provide personalized recommendations aligned with your needs and objectives.
Emergency Fund: Ensure you have an adequate emergency fund to cover your living expenses for at least 6-12 months in case of unexpected financial setbacks.
Overall, prioritize prudence and long-term financial stability when deciding how to utilize your PF corpus. It's essential to strike a balance between risk and return based on your financial goals and circumstances.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello sir, All our corpos mostly 90% is in debt(in the form of FDR's, SSSC, LIC etc) and rest 10% in MF and ULIP. I am 32 years and my mother is 61 years. I am working professional in tier 2 city and mother is retired from government job. I am seeking a financial advice to balance out the investments in debt and want some exposure in equity by investing through MF's. We have a total of 3 cr in debt and approx 40 lacs in equity market. Please suggest us the suitable mix so that our corpus would also grow and expenses would also meet out. Our total expenses per month would be around 35 K. Please also suggest the names of mutual funds to start investing?? Regards, Bharat Manik
Ans: Hello Bharat,

It's commendable that you're seeking to balance your investments and diversify into equity through mutual funds. Here's a tailored recommendation for you and your mother:

Balancing Debt and Equity:

Emergency Fund: Ensure you have an emergency fund equivalent to at least 6-12 months of expenses kept in liquid instruments like savings accounts or short-term debt funds.
Debt Investments: Since you already have a substantial portion of your corpus in debt instruments, continue to maintain this allocation to ensure stability and regular income. Consider diversifying across different types of debt instruments for optimal risk management.
Equity Investments: Given your age and long-term investment horizon, it's prudent to gradually increase your exposure to equity through mutual funds. Start with allocating a portion of your investable surplus to equity funds.
Suitable Mutual Funds:

Diversified Equity Funds: Look for well-managed diversified equity funds with a proven track record of consistent performance. These funds offer exposure to a broad range of stocks across sectors and market capitalizations.
Balanced Advantage Funds: These funds dynamically manage the equity-debt allocation based on market conditions, making them suitable for investors seeking a balanced approach.
Large Cap Funds: Consider large-cap equity funds for stability and lower volatility. These funds invest in large, established companies with a track record of stable earnings.
Hybrid Funds: Opt for hybrid funds, which invest in both equity and debt instruments, offering a balanced approach to risk and return.
For personalized recommendations and to ensure your investment strategy aligns with your financial goals and risk tolerance, I recommend consulting with a Certified Financial Planner (CFP) or a qualified financial advisor. They can provide customized guidance based on your unique circumstances and help you navigate the complexities of financial planning.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 05, 2024Hindi
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Hi Sir/Madam I have invested in various equity funds of different AMCs. Can I get any app or some kind of reliable advisor who can track my investments and suggest switching from non performing funds to performing funds. My goal is just wealth multiplication and I am aware of market fluctuations. During Covid, remained invested in all my equity mutual funds. Kindly guide.... Thanks and Regards
Ans: For personalized advice and guidance on your mutual fund investments, I recommend consulting a Mutual Fund Distributor (MFD) who holds Certified Financial Planner (CFP) credentials. MFDs with CFP qualifications can provide comprehensive financial planning services tailored to your specific goals, risk tolerance, and investment preferences.

Here are some benefits of working with an MFD with CFP credentials:

Holistic Financial Planning: A CFP-certified MFD can help you create a comprehensive financial plan that aligns with your long-term goals, including wealth multiplication through mutual fund investments.
Personalized Advice: They can offer personalized investment advice based on your individual financial situation, risk profile, and investment objectives.
Portfolio Review and Optimization: An MFD with CFP credentials can regularly review your mutual fund portfolio, identify underperforming funds, and recommend suitable switches to potentially better-performing funds.
Risk Management: They can assess your risk tolerance and recommend an investment strategy that balances risk and return to help you achieve your financial goals.
Regular Monitoring and Rebalancing: CFP-certified MFDs can provide ongoing monitoring of your investments and rebalance your portfolio as needed to ensure it remains aligned with your objectives.
By working with an MFD who is also a Certified Financial Planner, you can benefit from personalized, professional advice and guidance to make informed decisions about your mutual fund investments and overall financial plan.

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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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