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Radhika

Radhika Iyer  |84 Answers  |Ask -

Yoga Expert - Answered on Feb 01, 2024

Radhika Iyer is a yogini, mountaineer and philanthropist.
After being diagnosed with cancer, Radhika benefitted from training in yoga and meditation.
In 2009, she founded the yoga studio Raa Foundation to share what she had learnt. She has also founded Anahata Organics, a sustainable lifestyle brand.
Radhika has been helping individuals develop a positive mindset through wellness activities that engage the mind, body and soul for over two decades now.... more
Asked by Anonymous - Jan 20, 2024Hindi
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Respected Ma'am, Yoga Asanas for male , 62 years old , one and half years after open heart surgery , please .

Ans: Namate, these are the asanas that you can practice slowly under the guidance of a qualified yoga teacher. Surya Namaskar, Trikonasana, Tadasana, Sukhasana, Padmasana, Bhastrika Pranayama, Pashimottanasana, Ardhmatsyendrasana, Pawanmuktasana, Bhujangasana, Vajrasana, Dhanurasana and Shavasana. All these asanas are beneficial for diabetes.
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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Pushpa

Pushpa R  |58 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Oct 23, 2024

Asked by Anonymous - Oct 22, 2024Hindi
Health
What yoga asanas can I do to reduce body fat nd lose weight after a spine surgery in 2018 ndc section in 2022
Ans: It's great that you're thinking about incorporating yoga after spine surgery and a C-section. Yoga can be a safe and effective way to gradually improve strength, reduce body fat, and aid in weight loss, but it's important to proceed with caution, especially after these major surgeries. Here are some yoga asanas and practices you can begin with, keeping your spine and core in mind:

1. Modified Surya Namaskar (Sun Salutations)
Sun Salutations are excellent for full-body conditioning and fat loss, but after surgery, you can practice a modified version with gentle movements. Focus on slower transitions and avoid straining your back or abdomen.

2. Bhujangasana (Cobra Pose)
This pose strengthens the lower back and core muscles, but avoid over-arching. Begin with small lifts and gradually increase the height as your strength improves. It also improves digestion, which aids weight management.

3. Setu Bandhasana (Bridge Pose)
Bridge pose strengthens the glutes, lower back, and legs without putting much pressure on the spine. It's a gentle backbend that can also help tone the abdomen and stimulate fat loss in the hip and lower back area.

4. Utkatasana (Chair Pose)
This standing pose engages the legs, core, and back muscles, building strength and endurance. It's a great pose for weight loss and body fat reduction, as it activates larger muscle groups.

5. Marjaryasana-Bitilasana (Cat-Cow Pose)
Cat-Cow is wonderful for maintaining spinal flexibility without straining it. It gently tones the abdomen and provides relief to the back, promoting circulation to the spine and core.

6. Ananda Balasana (Happy Baby Pose)
This is a great pose to gently stretch the spine and the hips, releasing tension in the lower back, while also calming the nervous system. It helps release tightness in the hip area, where fat can sometimes accumulate.

7. Supta Baddha Konasana (Reclined Bound Angle Pose)
This pose can help gently open the hips and improve circulation. It also provides a nice stretch for the lower back while keeping the core lightly engaged.

Additional Tips:
Core strengthening: Since you’ve had a C-section, it’s important to focus on rebuilding core strength, but gently. Avoid deep twisting poses and heavy abdominal work at first.
Pranayama: Practicing breathing exercises like Kapalbhati (Skull Shining Breath) can be very effective for weight loss by increasing your metabolic rate, while still being gentle on your body.
Restorative Yoga: Incorporate restorative postures to promote healing and relaxation. This will help you stay committed to the practice without overexerting your body.
What to avoid:
Avoid intense twists: They can put pressure on your spine and abdomen. Stick to mild spinal stretches.
Avoid deep backbends and inversions: These could strain your spine post-surgery.
Avoid abdominal-heavy poses: Especially right after a C-section, it’s important to protect your core and pelvic floor. Strengthen gradually.
Before starting any yoga practice, especially after surgery, it's essential to consult with your doctor and get clearance. As you progress, listen to your body and avoid pushing beyond your limits. You can slowly increase the intensity as your strength returns.

Wishing you a safe and mindful journey toward wellness!

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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Ramalingam

Ramalingam Kalirajan  |8221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 12, 2025

Asked by Anonymous - Apr 12, 2025Hindi
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I am 38 year old in IT, draws a little over 3L per month, married and 3 kids. First one in 5th standard, second in UKG and third is in play school. Wife working in IT as well drawing 2L per month. We have Two houses - one individual house estimated value (1.5 CR) with 18L loan pending paid by me (26.5k per month EMI) and other apartment nearing completion estimated value (1CR) with 50L loan pending paid by my wife (47k per month EMI). As far as other savings are concerned I have around 50L in MFs and my wife has 20L. I have 5L in stocks, 5L in FDs and 5L in other markets. My PF value is around 25L. My wife PF and Gratuity together around 20L. We have Vehicles estimated to give 10L. Currently living in a metro city for our work with expenses upto 2L per month including loans, kids education, rent etc Please tell us what more needed for us to retire and move to less expensive tier 2 place where living expenses can be between 50k - 1l name month.
Ans: Current Financial Overview
Age: 38 years

Monthly Income: Rs. 5 lakh (combined)

Monthly Expenses: Rs. 2 lakh (including EMIs)

Assets:

Mutual Funds: Rs. 70 lakh

Stocks: Rs. 5 lakh

Fixed Deposits: Rs. 5 lakh

Other Investments: Rs. 5 lakh

Provident Fund: Rs. 45 lakh (combined)

Vehicles: Rs. 10 lakh

Liabilities:

Home Loan 1: Rs. 18 lakh (EMI: Rs. 26,500)

Home Loan 2: Rs. 50 lakh (EMI: Rs. 47,000)

Retirement Corpus Estimation
Target Monthly Expenses Post-Retirement: Rs. 1 lakh

Expected Retirement Age: 50 years

Life Expectancy: 85 years

Inflation Rate: 6%

Expected Return on Investments Post-Retirement: 8%

Based on these assumptions, you would require a retirement corpus of approximately Rs. 6 crore to maintain your desired lifestyle in a tier-2 city.

Children's Education Planning
Child 1: Currently in 5th standard

Child 2: Currently in UKG

Child 3: Currently in play school

Assuming higher education costs of Rs. 25 lakh per child in today's terms and considering an education inflation rate of 10%, the future cost for each child could be significantly higher. Therefore, it's essential to start dedicated investments for each child's education.

Action Plan
Increase Savings: Aim to save at least 40% of your combined monthly income.

Debt Reduction: Prioritize paying off high-interest debts to reduce financial burden.

Investment Strategy:

Continue investing in mutual funds with a focus on long-term growth.

Diversify your portfolio to include a mix of equity and debt instruments.

Emergency Fund: Maintain an emergency fund equivalent to 6 months of expenses.

Insurance:

Ensure adequate life insurance coverage for both you and your wife.

Obtain comprehensive health insurance for the entire family.

Final Insights
You're on a solid financial path with a strong income and investment base.

Focus on increasing your savings rate and reducing liabilities.

Plan systematically for your children's education expenses.

Regularly review and adjust your investment portfolio to align with your retirement goals.

Consider consulting a Certified Financial Planner to tailor a comprehensive financial plan for your family's needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |4417 Answers  |Ask -

Career Counsellor - Answered on Apr 12, 2025

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Career
Hii sir muje aaose puchhna hai mere bete ne ssc kiboard ki exam fi hai aage ki padhai k bare me thoda confuse hai hambe dmit bhi karvaya ...to dmit k councelar ne hame science stram lene se mana kar diya hai aur engineering me bhi dalne se mana kiya hame use cse diploma me karvana chahte the lekin councelar ne commers aur arts me jane ki salah di hai dmit test par kitna trust karna chahiye kya kare
Ans: Uday Sir, thank you for reaching RediffGURU. Your concern is completely valid — and many parents face the same confusion after 10th, especially after taking a DMIT test. Let me explain everything in a clear and practical way: DMIT (Dermatoglyphics Multiple Intelligence Test) is based on fingerprint patterns and claims to assess a child’s inborn talents, personality, and learning style. While it can give some general insights, it is not scientifically proven and should not be the sole basis for career decisions. However, to some extent, Psychometric Test will be more helpful, compared to DMIT, providing some suitable career options for your son. So, use DMIT as a guidance tool, not as the final decision-maker. What Should You Focus on Instead? His Interest + Aptitude + Effort — These matter more than any test. Look at your son's performance in Maths, Science, English, etc. during SSC. Has he shown any interest in: Coding or Computers? Business or Finance? Design or Creativity? Communication or Language? Based on this, you/he can help select the right stream (Engineering | Medical | Commerce | Arts-Humanities) or he prefers Diploma (like CSE Diploma after 10th) if he's not confident about handling 11th-12th Science, then a diploma in Computer Engineering (CSE) is a good alternative. After 3 years of diploma, he can join 2nd year of Engineering (B.E/B.Tech) through lateral entry. But again, it should be based on his interest in technology or computers — not pressure.

Talk to your son — ask what he enjoys or dreams about. Use DMIT + school marks + family guidance together to decide. Don’t choose a stream only because “DMIT said so” or “log kya kahenge.” All the best for your Son's Bright Future!

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Nayagam P

Nayagam P P  |4417 Answers  |Ask -

Career Counsellor - Answered on Apr 12, 2025

Asked by Anonymous - Apr 09, 2025Hindi
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Career
sir mene 2022-2023 baords diya tha pass nhi hua 2023-2024 diya hn pass hoga but percentage km aye then 2024-2025 krliya hn 90 percent aaye hn isme mene as a regular students karya hn naaki ki improvemnt likha nhi aayega school balo ne confirm kiyaa hn kya ab jee de skta mains and adv 2026 mein iwant to scoore good in adv sir 2026 with good rank
Ans: Your Academic History Recap: 2022-2023: Gave boards – Did not pass.2023-2024: Gave boards again – Passed, but low percentage. 2024-2025: Appeared as a regular student, scored 90%, and the school confirmed it won’t show as improvement. Are You Eligible for JEE Main & Advanced 2026? Yes, you are eligible for both JEE Main and Advanced 2026, because only your latest qualified attempt is considered, which is 2025. You passed 12th in 2025, so your first JEE Advanced attempt will be in 2025, and second in 2026 (which is what you’re planning). Make sure your 2025 mark sheet shows you as a regular pass and not an "improvement candidate. In JEE Advanced, eligibility criteria say: "A candidate should have appeared for the Class 12 (or equivalent) examination for the first time in either the previous year or the current year." You are within this rule because 2025 is your first full qualified passing year. Plan to Score High in JEE Advanced 2026. Since you have a full year to prepare, here’s a strategy: Focus on Concepts: Use NCERT, HC Verma, Irodov, Cengage, or MS Chauhan as per subjects. Join any reliable online Test Series. Solve PYQs (Last 20 years): For both Mains and Advanced. Revise Smartly: Make short notes, formula sheets, and track your weak areas. Stay Consistent: Use Pomodoro technique, meditation/yoga to stay sharp. If time permits, watch EduJob360 YouTube Videos on Engineering Entrance Exams, Preparation Strategies, Counselling & More. All the best for your preparation & admissions!

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