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Namita Piparaiya | Answer |Ask -Follow

Yoga, Wellness Expert - Answered on Mar 06, 2023

Namita Piparaiya has an MBA degree and worked as a senior corporate executive for almost a decade before discovering her passion for yoga. In 2017, she founded Yoganama, a health and wellness platform that educates people about how they can take charge of their health through yoga and mindful practices.
Piparaiya has completed over 700 hours of Yoga Alliance certified training in Hatha Yoga from Indea Yoga, Mysore. She specialises in pranayama, Ayurveda, yoga philosophy and corrective exercises and regularly conducts training and educational programmes for individuals and corporate organisations.... more

Question by Vasu on Feb 13, 2023Hindi

Health

I wanted to know which yoga exercises would help in reducing my pot belly which is aesthetically looking bad on me . No amount of walking is helping much . Hence am thinking if yoga would help or not.

Ans: In order to lose fat a multi-pronged strategy would be required and that strategy needs to be customised to your personality type, lifestyle, eating habits etc. Yoga should definitely be one of the elements in your overall strategy along with a suitable diet, and exercise routine. Specifically you can explore practices like Sun Salutations, Kapalbhati, and Agnisara. Since belly fat is often associated with high stress levels, you must make time for Pranayama and Meditation as well. Start small with 5-6 mins and gradually build up to dedicating 30 mins a day for mindfulness. 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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Question by Rajeev - Jun 15, 2023Hindi

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I am doing yoga daily but can not reduce my belly fat.pl suggest what to do

Ans: Namaste!
Practicing Yogasanas alone without taking care of what you eat, when you eat, how regular you are etc. will not help you out. Food is a very important part of the weight loss process. Moreover, unless you are overweight, your priority should be more towards digesting all that you eat and feeling fantastic after every yoga session that you attend. Keep the stress away from the belly fat. Focus on the above things and you will see a remarkable change.

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Yoga, Wellness Expert - Answered on Aug 11, 2023

Question by Dipak - Jul 19, 2023Hindi

Health

I am 73 yrs male. How to reduce belly fat. Send me which yogas and exercises i should do and which food i should avoid.

Ans: Hi, the way to reduce belly fat is through lifestyle change and not one or two yoga postures or exercises. These are the elements that need to be added to your lifestyle - (1) walking more, gradually start adding 250-500 steps more per day till you start averaging ~ 7000 steps a day. (2) Be more active for a minimum of 10 mins at a time. This means any activity which gets you slightly breathless, but you can still talk. (3) Eat well, follow the 80-20 principle; 80% of the diet should be nutrient-dense and whole foods. 20% can be your favourite, not-so-healthy food, if any. (4) Drink sufficient water (5) Maintain a calorie deficit - which means eating less energy than we burn. (6) Manage Stress through gentle yoga stretches, pranayama and meditation. Doing all this for even just 60-90 days you will see significant changes in your life and the belly fat will also melt away.

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Yoga Expert - Answered on Feb 01, 2024

Question by MANISH - Sep 14, 2023Hindi

Health

Want to reduce my stomach please guide me which YOGA is better for that....

Ans: Namaste Manish ji,
All Yogasanas are fabulous to reduce weight, increase flexibility and improve balance. Please consult a qualified yoga instructor to start your yoga journey.

Latest Questions

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Mutual Funds, Financial Planning Expert - Answered on Mar 09, 2025

Question by Sivacharan - Mar 08, 2025Hindi

Money

Hi Sir, I am currently investing in the following mutual funds for my retirement and my daughter's higher education. Please advise whether I should continue with these funds or make any changes. Self (44 yrs) - For retirement at the age of 52 years ICICI Prudential Equity & Debt Fund - Direct Plan - Growth - 1000/- Mirae Asset Emerging Bluechip Fund - Direct Plan Growth - 1000/- ICICI Prudential Bluechip Fund - Direct Plan - Growth - 1000/- SBI Equity Hybrid Fund - Direct Plan - Growth - 1000/- Nippon India SMALL CAP FUND - DIRECT GROWTH PLAN - 1500/- SBI Small Cap Fund-Direct-Growth - 1500/- Parag Parikh Flexi Cap Fund-Direct-Growth - 3000/- Axis midcap fund - Direct - Growth - 1000/- HDFC Defense Fund - Direct Growth - 3000/- Total = 14000/- Daughter1 ( 10 years - for her higher studies) HDFC Mid-Cap Opportunities Fund - Direct Plan - Growth - 1000/- Tata Equity P/E Fund Direct Plan - Growth - 1000/- SBI Gold Fund - Direct Plan - Growth - 1000/- Edelweiss Small Cap Fund - Direct Plan - Growth - 1000/- SBI Equity Index Direct - Growth - 1000/- Total = 5000/- Daughter2 ( 5 years - for her higher studies) ICICI Prudential US Blue chip Equity Fund - Direct Plan - Growth - 1000/- Axis Blue chip Fund - Direct Plan - Growth - 500/- Axis Mid Cap Fund - Direct Growth - 500/- SBI Flexi Cap Fund Direct Plan - 500/- Axis Small Cap Fund Direct Growth - 500/- HDFC Index Fund - Sensex - Direct Plan - 500/- HDFC Hybrid Equity Fund - Direct Plan - Growth - 500/- HDFC Gold Fund - Direct - Growth - 1000/- Total = 5000/-

Ans: You have a structured approach to investing. You are planning for retirement and your daughters' higher education.

A well-diversified portfolio helps in risk management and long-term growth. Let’s evaluate your current investments.

Retirement Portfolio Review
You are 44 years old and plan to retire at 52.

Your monthly SIP is Rs 14,000.

Your portfolio has large-cap, mid-cap, small-cap, hybrid, and thematic funds.

Positives
You have exposure to all market segments.

You are investing in equity for long-term growth.

You have a mix of aggressive and stable funds.

Areas of Improvement
Too many funds increase complexity.

Small-cap exposure is high, increasing risk.

Thematic funds may not align with retirement goals.

Recommendations
Reduce small-cap fund exposure for stability.

Consider increasing large-cap and hybrid allocation.

Thematic funds are unpredictable; review their role in your portfolio.

Higher Education Portfolio Review
Your elder daughter is 10 years old.

Your younger daughter is 5 years old.

You are investing Rs 5,000 per month for each child.

Positives
You are saving early, giving your investments time to grow.

You have diversified across equity, gold, and international markets.

Areas of Improvement
Gold funds do not generate high returns over time.

Index funds have limitations and do not adjust to market conditions.

Too many funds reduce portfolio efficiency.

Recommendations
Reduce gold fund exposure and increase equity allocation.

Replace index funds with actively managed funds.

Keep a balance between large-cap and mid-cap funds.

Final Insights
Your investment approach is disciplined and future-focused.

Reducing unnecessary funds will simplify your portfolio.

A balanced mix of large-cap, mid-cap, and hybrid funds will provide stability.

Regular reviews with a Certified Financial Planner will ensure alignment with your goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

Prof Suvasish Mukhopadhyay |471 Answers |Ask -Follow

Career Counsellor - Answered on Mar 09, 2025

Asked by Anonymous - Mar 09, 2025Hindi

Career

What college options do I have for Mathematics and Computing branch at 98.55 %ile in JEE Mains? (General Male)

Ans: Any low ranked or middle ranked IIT or top level NITs.Best of luck.Professor.....:)

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Career Counsellor - Answered on Mar 08, 2025

Asked by Anonymous - Mar 08, 2025Hindi

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What is rank of ews in jee mains 2024 for 97.18 percentile

Ans: For a 97.18 percentile in JEE Mains 2024, an EWS candidate can expect a rank within the top 10,000 EWS ranks, placing them in a very competitive position for admissions to prestigious engineering colleges within the EWS category. Best of luck. Professor...............:)

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Career Counsellor - Answered on Mar 08, 2025

Asked by Anonymous - Mar 08, 2025Hindi

Career

My son is studying 10th cbse this year 2025 he wants to Crack jee mains and jee advance he needs some online help to Crack the exams

Ans: According to current information, some of the top online coaching platforms for JEE Main and JEE Advanced include: Vedantu, Aakash Digital, Physics Wallah, Unacademy, Allen Kota, Motion Education Kota, and Byju's; with Vedantu often considered one of the best options for live interactive classes and comprehensive JEE preparation. Best of luck. Professor............................:)

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Career Counsellor - Answered on Mar 08, 2025

Question by Chetna - Mar 08, 2025Hindi

Career

My son secured 83.14 percentile in JEE mains 2025 ( ews category), RJ domicile. Can he get into any NIT or govt colleges

Ans: That guarantee can't be given. Since the percentage is in border line. A candidate is from Rajasthan with 83.14 percentile in JEE Mains he may have a chance to get admission into some NITs and State Government colleges in Rajasthan, but it is likely only for lower ranked branches or if he belongs to a reserved category, as a general category candidate usually needs a higher percentile (around 90+) to secure a seat in top NITs. Best of luck. Professor...................:)

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Career Counsellor - Answered on Mar 08, 2025

Asked by Anonymous - Mar 08, 2025Hindi

Career

Sir if my overall percentage in 12th 67 but my physics and chemistry 60 marks can give jee advanced if I am science candidate

Ans: es, a candidate with 67% marks in 12th standard can appear for JEE Advanced, as there is no minimum percentage requirement in 12th grade to sit for the JEE Advanced exam; however, to get admission into an IIT, they will need a minimum of 75% aggregate marks in their 12th standard exams (65% for SC/ST/PwD categories). Best of luck. Professor.................:)

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Career Counsellor - Answered on Mar 08, 2025

Question by Mukesh - Mar 08, 2025Hindi

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Jee mains me nit college me addmission ke liye75% class 12 me marks jaruri h kya general category ke liye

Ans: Yes, to get admission into an NIT through JEE Main, you need to have a minimum of 75% marks in your Class 12 board exams, according to the current eligibility criteria; this applies to general category candidates, while reserved categories like SC/ST may have a lower percentage requirement of 65%. Best of luck. Professor...................................:)

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Insurance, Stocks, MF, PF Expert - Answered on Mar 08, 2025

Asked by Anonymous - Mar 06, 2025Hindi

Money

Can I retire at age of 50 years? My savings are cash in Bank around Rs 2 Cr with nominal FD returns, Have Physical Gold about 3 Kg (Purchase price 1.8 Cr), Have Ornament Gold about 2.3 Kg (Purchase price 1.2 Cr), Have Unlisted NSE stock worth 1 Cr, Have Pre IPO Opportunities Fund worth Rs 80 Lakhs, Have two apartments worth 3 Cr and 1.5 Cr with combined rental of Rs 1Lakh per month, Have residential plot worth 1.5 Cr, Have one house abroad worth 6 Cr and rental 2 Lakhs per month, Have cash in Offshore Bank in dollars i.e. worth Rs 12 Cr with nominal FD returns, Have Insurance schemes worth Rs 20 Lakhs and Lastly have a house worth Rs 18 Cr in which we currently reside. Our Expenses : We have no Loans/Debts, Our Average Monthly Expenses are Rs 8 Lakhs, Health Insurance Rs 1.5 Lakhs per annum, Total College Education abroad for 2 kids for next 6 years estimated to be Rs 6 CR on an average 1CR per year, Old Aged Parents Expenses Rs 2 Lakhs per month.

Ans: Hello;

Just summarizing your assets available for generating retirement income:

1. Domestic FD: 2 Cr
2. Gold(3 Kg) valued at~:2.64 Cr
3. Jewellery valued at~:2 Cr
4. Flat1: 3 Cr
5. Flat2: 1.5 Cr
6. Land: 1.5 Cr
7. Overseas House: 6 Cr
8. Overseas FD: 12 Cr
9. Self occupied property: 18 Cr
10. Stock & AIF: 1.8 Cr
Total: 50.44 Cr
(Gold price considered: 88 K per 10 gm)
However we can subtract assets at serial no. 3, 7 and 9 from this and we get a corpus of 24.44 Cr. The 44 L may be kept aside for transaction costs, taxes etc.

It is advisable that you sell the flats in India offering low rental yield and also physical gold and the land property.

Now the corpus of 24 Cr may be split into two parts:
20 Cr may be invested in MFs for SWP at 5% yielding post tax income of around 7.3 L per month.

4 Cr may be used to buy immediate annuity from a life insurance company. Assuming 6% annuity rate you may expect a post tax monthly income of 1.4 L.

So your post tax monthly income may be:
7.3+1.4+2*=10.7 L as desired.
*Rental from overseas House

Since the kid's higher education is not finding place here I suggest you work for few more years, while putting this retirement income plan in place, for funding their higher education.

Best wishes;
X: @mars_invest

Mayank Chandel |2090 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Mar 08, 2025

Asked by Anonymous - Mar 07, 2025Hindi

Career

My Son got 99.6 percentile in JEE Mains1. from Open category He is preparing for JEE Advanced now, however I wanted to ask if he Computer Science in which top NIT.

Ans: Hi
Congratulations on such a marvellous score. He can get into any top 5 NITs. If every one scores like this is second phase of mains. He will get CSE in best. In my personal view prefer top IIITs too. They have much better curriculum over NITs.

Also, I would suggest let him focus on ADVANCED completely.

All the best.

Mayank Chandel |2090 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Mar 08, 2025

Asked by Anonymous - Mar 08, 2025Hindi

Career

Hello sir, very urgent query I appeared as pcb candidate in 2023 . If I give nios on demand exam for maths will I be eligible for jee advanced ? I have qualified for jee mains. Please answer sir. I am quite confused. Is there no way to appear for advanced

Ans: Hello
Sorry to say but JEE won’t accept the NIOS marksheet with additional subject as maths. It has to be one marksheet with all subjects.
DM me through insta handle CAREERSTREETS. I will suggest a way to appear for JEE.

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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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