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Rebecca Pinto |107 Answers |Ask -Follow

Physiotherapist, Nutritionist - Answered on Feb 12, 2024

Rebecca Pinto is a physiotherapist, nutritionist and founder of Dr Rebecca's Physiotherapy.
She has been helping patients with physical difficulties resulting from illness, injuries and ageing for over nine years.
She holds a bachelor's degree in physiotherapy from SKN College of Physiotherapy, Pune. Rebecca is also a certified PNF (Proprioceptive Neuromuscular Facilitation) practitioner and has trained in dry needling, spinal manipulation and cupping procedures as well.... more

Asked by Anonymous - Feb 11, 2024Hindi

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Health

I have pain in shoulders and neck with stiffness. Doctor said it is due to degeneration and connected to nerves running from behind ears. He said not to massage neck and shoulder. Why is it so?

Ans: Please listen to your doctor. A massage must have aggrevated the tightness and it’s best to allow it to relax

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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Nidhi Gupta |201 Answers |Ask -Follow

Physiotherapist - Answered on Jan 27, 2023

Asked by Anonymous - Jan 27, 2023Hindi

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Dr Nidhi, What could I do so that I have an increased chance of solving my neck pain issue with a physiotherapist?

Ans: Dear Anonymous,
It is important to identify the right physiotherapist-mainly someone who does not use only machines but also manual therapy for treatment.
Manual therapy can consist of techniques like mobilization of neck bones, neck muscles release through myofascial release, cupping, IASTM or dry needling and certain exercises.
Once the physiotherapist has diagnosed the cause of your neck pain there are higher chances of your neck issue to be resolved.
All the best towards being pain free!

Nidhi Gupta |201 Answers |Ask -Follow

Physiotherapist - Answered on Mar 03, 2023

Asked by Anonymous - Feb 27, 2023Hindi

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i have severe pain in shoulder and hand. the pain stays for long though intensity varies. My MRI showed disc procession at C5 and C4 to some extent. Doctor gave me nerve root block injetion. Pain reduce for 10 days but its back. Right now I am taking lyrica 75mg at night and SoS is flexura D.. Physiotherapy also not elping me... I am 47.

Ans: Hello Anonymous,
For disc issues there is a treatment called the Mckenzie treatment. Please check for a physiotherapist certified in The McKenzie treatment and someone who does dry needling and myofascia release.
The above techniques should be able to help you.
All the best!

Dr Hemalata Arora | Answer |Ask -Follow

General Physician - Answered on Jul 03, 2023

Question by K - Jul 01, 2023Hindi

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Hi sir, I am 55 Years, I am getting neck pain since 6 months. I am also having Nerve pain in Right Hand from shoulder to wrist. I have consulted Neuro Surgeon and advised medicine KETO FLAM - P and HAPPY NERVE LC. I have used for one month. When i work on computer the pain will increase. Shall i use the above medicines further or shall i consult any physiotherapy. please suggest

Ans: Hello. I think you should get an MRI of the cervical spine and then go for physiotherapy within safe limits. All the best.

Rebecca Pinto |107 Answers |Ask -Follow

Physiotherapist, Nutritionist - Answered on Jul 21, 2023

Question by Gaurav - Jul 04, 2023Hindi

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Hello Sir / Madam ! My Name is Gaurav and my Age is 38 Yrs. I am a patient of Hypertension & Type -2 diabetes . Recently I hv started feeling my nerves were streching and it was ver difficult to drive or even walk . The Ortho Surgeon asked to do an MRI Soine and reports suggested I am having Nerve compression in L4 , L5 position He just prescribed 1 week medicine and No Physiotherapy. Pls suggest what shoul I do as I am not finding improvement in a big way.

Ans: Hi Gaurav, get your Vit b-12 levels checked and get yourself physiotherapy treatment for the nerve compression. Meanwhile keeping your sugar levels in control will help in healing faster

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Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by stuti - Apr 03, 2025Hindi

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I have worked for 5-6 companies from 2000 and each of the companies had PF ; while the most recent ones are aligned and carried forward some very early ones are not ; how do i check the amounts in each of the accts AND align/ carry forward all my PFs into one account(under UAN #) ? i have all PFs nos and other details

Ans: Hello;

If you have an active UAN then you can easily link your previous pf accounts to your UAN by following simple process given on EPFO portal.

You need to access the EPFO portal, navigate to "One Member - One EPF Account (Transfer Request)," verify your details, and initiate the transfer request, ensuring you have your old and current employer's details available.

Best wishes;

Prof Suvasish Mukhopadhyay |542 Answers |Ask -Follow

Career Counsellor - Answered on Apr 04, 2025

Question by Shailu - Apr 03, 2025Hindi

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Hello sir Iam 27 years old I have completed my bsc biotechnology in 2018 I have career gap now I want to start my career my doing a job but how to start from where to start iam not getting it which job suits me please suggest me some courses and jobs

Ans: There is a huge gap of 6+ years. Either go for M.Sc Biotechnology or prepare for competitive exams if your age permits. At least do an online MBA for enhancing your qualification. Best of luck. Professor.........................:)

Prof Suvasish Mukhopadhyay |542 Answers |Ask -Follow

Career Counsellor - Answered on Apr 04, 2025

Question by Aayush - Apr 04, 2025Hindi

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I have given 12th for the FIRST time in 2024 and gave improvement in 2025 Am I eligible for jee advance 2026

Ans: Yes, a Higher Secondary candidate of 2025 can appear for JEE Advanced in 2026, as the eligibility criteria allows for two consecutive attempts after passing the Class 12 or equivalent examination. So you can appear. Professor........:)

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by AYESHA - Apr 04, 2025Hindi

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MY PF IS OF YEAR 2008 WHEN I LEFT JOB I DONT HAVE PF NUMBER ,AADAHR WAS NOT AT THAT TIME HOW CAN I GET MY PF

Ans: Hello;

Contact your employer at that time. They may have records of past employees.

Else visit the EPFO office where your PF account was held and seek support for getting your pf account details.

Best wishes;

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Asked by Anonymous - Apr 04, 2025Hindi

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I am an 22 year old commerce graduate. I got a job in December. My salary is Rs 16,000 per month. I am ready to invest Rs 2,000 per month. Should I invest in an RD or a chit fund? What about SIPs or mutual funds? Please suggest where to invest and how it can help me.

Ans: Hello;

Chit funds often turn out to be cheat funds so a strict NO.

A RD with a PSU bank is a good way to begin your investment journey.

I recommend you to look at SIPs in mutual funds after your RD matures, you have 6 month of expense coverage as emergency fund and you have bought term life insurance.

Also don't forget to open and invest in NPS for retirement planning.

Best wishes;

Milind Vadjikar |1152 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 04, 2025

Question by Shubham - Apr 04, 2025Hindi

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Sir, Age: 26 Subject: NPS ( National Pension Scheme) Scheme Choice : LC 75 ( Aggressive Auto Choice) Tier : Tier 1 Pension Fund: ICICI Prudential Pension Fund Current value of scheme : Rs. 57927/- Investing Rs. 5600/- on a monthly basis My goals: Want my portfolio to beat inflation and provide a pension of Rs. 1 lakh monthly ( in hopes that beating inflation value of Rs. 1 lakh does not decrease over time) Time horizon : 34 years Questions: 1. Sir will my NPS scheme beat inflation? 2. Is the Pension Fund ( ICICI Prudential) a good choice or should I shift? 3. Will one lakh pension after 34 years be enough to support my lifestyle? (Assuming that everything pans out smoothly) 4. Judging by today's tax law income up to 12 lakh p.a. is non taxable, will I be taxed on my pension still if the law remains as is? (Hypothetical question) My details : 1.Unmarried, never planning on marriage or kids ever. 2.Current utility bills amount to Rs. 15,000 per month 3. Other expenses Rs. 5-7k per month. 4. I have other investments too, but I want to know if I can rely on NPS in old age or not. With this information alone, is retirement with NPS feasible?

Ans: Hello;

Your current expenses add upto 22 K per month.

After 34 years this amount will be 1.6 L per month considering 6% inflation.

This would need a corpus of 5-6 Cr.

Your current investment would fetch you around 1.2 Cr which is quite low.

You need to invest minimum 25 K per month in NPS to expect 5 Cr+ corpus build after 34 years. (A modest 8% return considered from NPS)

Also you may shift from Auto choice to Active choice so as to ensure 75% allocation to equity upto 50 age.(In Auto choice after 35 age equity allocation is tapered down).

You are allowed to have different fund managers for different asset classes based on their performance in respective category.

Current fund manager looks okay however you need to review performance every year.

For generating retirement corpus it is better to have 2-3 investment avenues rather then a single one.

A mix of EPF/PPF, NPS and MFs should be more appropriate.

Best wishes;

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Jan 11, 2025Hindi

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I don't have any salary income but I do stock trading and have short term capital gain of two lakh. What exemption I'll get?

Ans: Trading income/loss also needs to be considered
Only 2 Lakhs STCG shall bear NO Tax

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Mar 03, 2025Hindi

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My CTC is 17.40 LPA then how much income Tax will be deducted as per New tax regime. Please Explain as per Tax Slab.

Ans: 138320 for FY 2025-26

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Mar 06, 2025Hindi

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For 2025-26, I have salary income of Rs 10.5 lakh and expect long term capital gains of Rs 6 lakh. How much tax do I have to pay ?

Ans: Kindly provide Long term capital gains is from which source - Shares, MF, sale of asset etc.
Then only we shall be able to guide

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

Vipul Bhavsar |54 Answers |Ask -Follow

Tax Expert - Answered on Apr 04, 2025

Asked by Anonymous - Mar 12, 2025Hindi

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Hello, My father in law wants to give me 20 lacs to invest in the market through my Demat account. Technically he will transfer the amount into my savings / salary account which is linked to the Demat account. I will then transfer the amount to my demat account and will invest for long time. Will this transaction attract any tax liability ? if yes how to avoid the same ?

Ans: This transaction may not incur tax liability but you need to consult CA for accurate guidance

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

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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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