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Nidhi

Nidhi Gupta  |140 Answers  |Ask -

Physiotherapist - Answered on Feb 27, 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
Nitin Question by Nitin on Feb 16, 2023Hindi
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HI , I have Sciatica pain for last one year - which start from lower back and goes to left leg . Can you suggest long term effective treatment .Also when should one look at having surgery.

Ans: Hello Nitin,
You need to consult an orthopedic or physiotherapist to understand the cause of the sciatic. Is it due to slipped disc in the low back or due to muscle spasms etc.
Once the correct diagnosis is done the physiotherapy treatment itself cures the sciatica. Usually surgery is not required unless in severe cases where physiotherapy is not helping. Core muscle training and certain stretches are also important which the physiotherapist can guide you about.
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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Hi sir, I'm 25y old. I have a salary of 55k per month I've started investing in May 2022 in mutual funds through SIP for long term 25-30years. Right now I've 60k of invested amount in MF Portfolio doing SIP of 7k per month. I've an emergency fund in FD of 60k and I've health and term insurance for me and family. I also have a personal loan of 6lakh which I took in December 2022. I'm paying 20k monthly for a loan. Still I need to pay 6.22 lakh in 3 years. I'm also thinking of starting investing 10k per month in chit funds for 2 years(trusted chit fund) assuming an annualized return of 15%. My monthly expenses excluding loan and SIP in MF is 23k. My MF Portfolio: Parag Parikh flexi cap - 2.5k Nippon small cap - 2k Axis bluechip - 2k Navi nifty50 index fund -500 Can you please review my MF Portfolio and guide me how I can clear my debt of 6.22 lakh as soon as possible.
Ans: It's fantastic to see your commitment to securing your financial future at such a young age! Your Mutual Fund portfolio shows a good mix, but let's fine-tune it a bit. Are you considering the risk factors of your current investments?

Now, about that loan. It's understandable to want to clear it as soon as possible. Have you thought about increasing your monthly payments towards it? It might ease the burden in the long run.

Regarding chit funds, while they offer potential returns, are you sure about their reliability and transparency? It's crucial to be cautious when exploring new investment avenues.

Remember, a Certified Financial Planner can offer personalized advice tailored to your goals and circumstances. With discipline and strategic planning, you'll be on track to financial freedom sooner than you think!

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