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Dr Hemalata

Dr Hemalata Arora  | Answer  |Ask -

General Physician - Answered on Jul 17, 2023

Dr Hemalata Arora is a senior consultant who practises internal medicine at Mumbai’s Nanavati Max Super Speciality Hospital.
In a career spanning over 24 years, she has focused on managing infectious diseases, critical illnesses and lifestyle disorders.
Dr Arora completed her MBBS and MD from the King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College in Mumbai.
She is ECFMG certified, accredited by the American Board of Internal Medicine, Diplomate of the National Board and a DNB faculty.
She was honoured with the Paul Bunn award for her promising performance in the field of infectious diseases at SUNY Upstate Medical University, New York.... more
Asked by Anonymous - Jun 28, 2023Hindi
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My mother has undergone liver transplant at the age of 63 and it has been 31 days post surgery. As of now she is all fine. How is her life ahead?What all precaution she needs to take ? Is she out of risk now? What are the complications that could happen? What is the life span after this? How much more time does she be very cautious?

Ans: Hello. While transplant is viewed as a new lease on life, it is a slightly different life with a lot more care especially after liver transplant. It's still quite early in her journey but the hardest part is over. In the next 2-3 months, she needs to be very careful with her medications and follow ups, so as to prevent and recognize any problem early. After about 6 months post-transplant she can be more relaxed. Life span will depend entirely on the underlying condition for which she received the transplant and how much care she takes of the new liver. 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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Dr Hemalata

Dr Hemalata Arora  | Answer  |Ask -

General Physician - Answered on Jun 09, 2023

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Sir my mom who is 63 yrs old has undergone a liver transplant 10 days back. Unfortunately the doctors realised that the donated liver of donor was Basically of a person who was a heavy drinker and had drink alchol on the day of surgery as well. My mother is shifted to ward now and as per the doctor she is doing fine. But she in the night is getting scared and becomes very anxious and feels as if she doesnt wnt to continue her life. During the day time she is completely ok. Just wanted to know the consequences of getting a toxic liver and would my mother have any pblms in future
Ans: Hello. This is an unusual problem. Typically, before transplant doctors run a very extensive battery of tests to understand the function of the donor liver as the surgery is very complex and should not be done without all parameters being met. I'm quite sure in this case also a similar level of due diligence would've been performed. It is possible that the liver of the donor remained normal and functioning well despite the fact that the donor consumed alcohol. Every liver behaves differently with alcohol, and it is only if the alcohol consumption was very high for a long time that the liver gets affected. Also, some people naturally are protected against liver damage. It is likely that this person was one such who could metabolize the alcohol very well. So, please reassure your mother that she is very safe and has recovered well from a very complex surgery. There are some medications and care to be taken but she's over the most complicated part. She can be comfortable with the knowledge that this liver is very strong and will work well for her as well. All the best!

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Janak

Janak Patel  |26 Answers  |Ask -

MF, PF Expert - Answered on Apr 09, 2025

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One fincart advisor contacted me for giving me advise regarding mutual funds and investment of sector is fincart a good company or not to invest
Ans: Hi Sammer,

An adviser/company to be categories as good or not is a bit subjective. I say this because you may find people who have had a good experience with them and those who did not have a good one.

But let me try to help you with some pointers that can help you decide
1. Before asking what they can offer you, ask them - "What do you gain by becoming my advisor?" Their response will give you insight into their objectives. If its not clearly stated, then consider it a RED flag.
2. Are they going to advise based on your preferences or they have a selected list that you need to choose from. I have heard of adviser pushing different products without considering your preferences e.g. You prefer MF and they push ULIP, Regular MF vs Direct MF etc. This can include cross selling other products that they are servicing like insurance and pension products.
3. Inquire about their process of engagement before advising you. Will they consider your requirements and evaluate them and present options to choose or start by putting the options on table and recommending MFs without understanding your goals/requirements. Simple ask, so which is the best MF scheme to invest today. If they start listing them - RED flag.
4. How will they construct a portfolio for you, structure and number of schemes in it, will it have a strategy and objective to it. Or will they keep building it over time by adding new schemes as and when. A person once came to me with a portfolio of approx. 30 lakhs with over 30 MF schemes in it - RED flag. Going beyond 5-6 schemes needs to be reviewed thoroughly.
5. What are their processes for reviewing the performance of the portfolio/schemes and how do they provide recommendation for changes in the portfolio. Will they take into account tax impacts when recommending exits.
6. Will they aim to educate you in this whole process about various aspects so as to establish and enhance their engagement, trust and your own confidence in them.
7. Most important - Will it be a fee based engagement or a commission based. Typically fee based engagements should encourage customer's preferences e.g Direct MF, using client's Demat account etc and provide recommendations for customers requirement with alternatives and options. Even when you change a recommendation, they should educate you on its impact and recommend alternative to mitigate the impact. Commission based engagements are based on their earnings from your investment. Some times their approach is to add schemes based on commissions. But there are good advisors who will stay the course of a well constructed portfolio even in this model, having the customers interest at heart.

So do your own assessment of any advisor you engage with based on the above. You can add more points of evaluation based on your own experience and knowledge.
Remember Simple strategies are more often successful.

Thanks & Regards
Janak Patel
Certified Financial Planner.

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