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Nidhi Gupta |186 Answers |Ask -Follow

Physiotherapist - Answered on Mar 02, 2024

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

Question by Deepashri on Feb 28, 2024Hindi

Health

Prone l y t a , theraband exercises and some more for rotator cuff and scapular strength. No needling cupping or any other modalities...just exercises

Ans: Hello, then please do take advice of any other good physiotherapist who does techniques like dry needling, cupping therapy, myofascial release and taping techniques. Many a times besides exercises only you require manual therapy techniques too. With these kind of techniques usually within 3-4 sessions the pain subsides by 70-80 percent.

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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Question by Raema - May 24, 2022Hindi

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Hello Roopashree. I have recently developed spondylosis and have a hunch at the back of my neck. Can you please suggest corrective exercises? Thank you,

Hi Raema.

Spondylosis is a delicate condition, therefore treatment can be suggested after reviewing medical history, age, etc.

I suggest you consult a certified yoga practitioner to initiate exercises and also meet an ayurvedic professional who will help you understand the reason behind the spondylosis and recommend a proper diet/medicinal plan.

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Question by Harish - Jun 16, 2023Hindi

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Best exercise to relieve pain in neck and shoulder due to prolonged use of laptop?

Ans: Hi Harish,
The best way to relieve pain is to correct your posture that’s causing the pain. Any physio nearby will help you with the pain but it will recur if your posture is bad. So it’s best to sit comfortably in the correct posture

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Question by Ramnath - Mar 09, 2024Hindi

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Sir, thank you for the reply. No regular exercises are prescribed.Can you kindly suggest the exercises? Can you please suggest the exercises.

Ans: Please use Thera band for exercised. Along with that do gentle stretching of the shoulder. Use finger ladder

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Physiotherapist - Answered on May 22, 2024

Question by Subhash - Apr 24, 2024Hindi

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Its been one year and 2 months not yet recovered from disc bulges the physiotherapist informs it is a muscle knot and restricts to do only upper body exercises which includes low weights chests and stretching no squats no cross fit no leg extensions and no back extensions.he sounds knowledgeable however please suggest

Ans: Hello Subhash. Sorry to hear about your condition. I have a little different view point . I suggest taking one more opinion from a different Physiotherapist. It is hypothesized that nearly 70% of lumbar herniated nucleus pulposus (HNP) undergo the resorption to a significant degree after acute herniation. From my perspective back extension is most important exercise.

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Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Asked by Anonymous - Oct 30, 2024Hindi

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I am retired on 31/12/2024 due to mismatched of name spelling my dept not forward my documents to prosid my pension.my name is same but spelling are different please guide me.

Ans: Hello;

You may submit a joint declaration with your employer and supporting documents to the Regional PF Commissioner for your name correction as per PAN. Take proper acknowledgement.

Follow up regularly with the concerned authorities to ensure your request is being processed timely.

The EPFO usually takes 15–30 days to process a name change request. The processing time may vary based on the efficiency of the regional EPF office.

Name has to be strictly same as per your PAN, Aadhar, bank and even spelling change is flagged as per EPF system.

Best wishes;

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 16, 2024

Question by Aashish - Nov 15, 2024Hindi

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Im b pharmacy fresher and seeking in entry level position in clinical research so is it mandatory to do a post graduation diploma in clinical research

Ans: Hello Aashish.
It is not mandatory to do PG right now, but it is recommended that you do so if you wish to boost your career in Clinical Research and want stability in your job. Best of luck with your future.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 16, 2024

Question by Ak - Nov 16, 2024Hindi

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hello sir i gave my pcb 12 boards this year and next year if i write math additional exam from the same state board will i be eligible for jee mains paper 2 b.arch? will there be any problem during josaa counselling as there will be 2 different certificates ? do SPA’s and NIT’s accept 2 certificates?what do i fill out in jee mains form now appearing or passed ?

Ans: Hello AK.
(1) You can appear for JEE (Main) Paper-2 i.e. B.Arch.
(2) There will be no problem in JOSAA counseling.
(3) As you are appearing in the subjects 'mathematics" this year, then please fill out as "Appearing".
(4) There will be no issue @ SPA's and NIT's admission if you score the required percentile in JEE (Main)
Best of luck to your upcoming future.

If satisfied, please like and follow me.
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Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Asked by Anonymous - Nov 07, 2024Hindi

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I am a 38 year old female freelance content writer earning around 28k per month. After 10k per month expenses what's the best way to invest. My husband earns well but I want an individual investment plan that I can do with the intention of buying maybe a real estate of 25 lakh in next 5 years. Is it possible?

Ans: Hello;

If you do a monthly sip in pure equity mutual funds for 18 K for 5 years then you may reach a corpus of around 15 L, for accumulating sum over 25 L you may have to give 8 years to your investments.

Please ascertain your risk tolerance before you venture into mutual funds.

Happy Investing;

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Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Asked by Anonymous - Nov 10, 2024Hindi

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I am selling an old house. As per new tax regime LTCG is 12.5% plus so many surcharges. The cost as per valuer is 15 lakhs in 2001. The sale price is 4.0 CR. Two questions : Q 1) Can I claim the renovation on the old house ? How much and how many times ? What is the documentation required as the renovation was done in 2005 and 2015 for 6-8 lakhs each. But no bills are available now. 2) what are the other expenses which can be claimed for eg Brokerage fees, Consultation from Advocate fees , travel and hotel expenses for my family for doing the sale registration ? Is there a limit ? Any thing else that can be claimed ? Kindly let me know your advice.

Ans: Hello;

Since your house is old, you have two options:

1. Sell without indexation and pay 12.5% LTCG tax.

2. Sell with indexation and pay 20% LTCG tax.

In both cases you are allowed to deduct renovation and transfer expenses.

You need to consult a CA to know exactly what is allowed and what is not allowed as per ITax Act.

Also if you get any queries from IT Deptt., later on, you can rely on the written advice and consultancy provided by a practising CA.

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Insurance, Stocks, MF, PF Expert - Answered on Nov 15, 2024

Question by Suresh - Nov 08, 2024Hindi

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Hello Sir, i am now 48 , having 1.5CR in equity, 60L MF, 60L EPF. My monthly expenditure is 1L/M , i have a home loan 40L. i have son studying 8th grade. Wanted to be retired at 50 . Please suggest is this good time to retired.

Ans: Hello;

Two big responsibilities are ahead of you:

Home Loan repayment(40 L) and
Higher education for your son

You can dip into your savings to prepay your loan but your retirement corpus gets reduced plus you will also have to earmark some fund(~40-50 L) for son's higher education.

Therefore my suggestion to you would be to postpone retirement atleast till 55 age so that you will have more retirement corpus, time for prepayment of home loan and clarity on son's higher education expenses.

Take adequate healthcare insurance cover for family.

Best wishes;

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Insurance, Stocks, MF, PF Expert - Answered on Nov 15, 2024

Question by Informative - Nov 08, 2024Hindi

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Iam 22 now , i want to retire at45 ,I need 1.5 Cr Retirement curpos, now I do my sip of 3500 ,iam running my csc center My monthly income around 15k per month how I can retire early with good amount please help me

Ans: Hello;

You need to top up your monthly sip of 3.5 K by 14-15% every year for 23 years so as to be able to reach target corpus of 1.5 Cr. in next 23 years.

A modest return of 12% assumed from pure equity mutual funds.

Happy Investing;

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Question by Srinidhi - Nov 08, 2024Hindi

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I am a 55 year guy who wants to hang his boots early. I am a the peak of my career where the money is good but i am seriously exhausted and bored.. I have a corpus of 2CR and want to know where to invest so that we have a decent living standard for the next 15 years atleast given that medical expenses also need to be covered.. I am currently covered with a 10L plan by STAR Health for which i spend 50k per year to cover for my wife and self

Ans: Hello;

The optimal solution for you would be to buy an immediate annuity from a life insurance company for your corpus of 2 Cr.

Considering annuity rate of 6%, this may yield you a monthly payout of around 85 K(post-tax).

You may choose option of joint life(you & your spouse) annuity with return of purchase price to your nominee.

If you shop around, you can better annuity rates.

Consider increasing your health care cover upto 25 L considering rise in cost of healthcare.

Also keep sum of 5-6 L as emergency funds in savings account/liquid mutual funds.

Best wishes;

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Question by Sai - Nov 11, 2024Hindi

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Is ulip plans or good to invest or mutual funds are better can you tell???

Ans: Hello;

Take a term life insurance policy and use mutual funds for your investments.

So yes indeed mutual funds are much better investment then ULIP.

Happy Investing;

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Asked by Anonymous - Nov 08, 2024Hindi

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Hi, I have corpus of 20.00 lacs in SIP, and currently running SIP of 30k per month, how much time will have cross 1.00 crore my corpus..

Ans: Hello;

If you retain the corpus in MFs and continue monthly sip for 9 years, your total corpus will be 1 Cr+.

A modest return of 12% from pure equity mutual funds is assumed.

Happy Investing;

See more questions »

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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