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Nidhi

Nidhi Gupta  |186 Answers  |Ask -

Physiotherapist - Answered on Jan 12, 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
Asked by Anonymous - Dec 03, 2023Hindi
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Health

When i am doing any kind of exercise or yoga or even morning walk continuously for 2 or 3 months ,i feel breathlessness,heaviness in head.

Ans: Hello Anonymous,
Have you got all your blood tests, cardiac tests done?
Please go to your general physician and ask him to prescribe some tests important regarding these symptoms.
Once tests done you can let me know if anything significant and I can guide you accordingly.
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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Relationships Expert, Mind Coach - Answered on Nov 26, 2024

Asked by Anonymous - Nov 15, 2024Hindi
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Hi. How to be more respectful towards to MIL and FIL. ??? They dont like me as a DIL bcz they feel that I am trying to steal their son which is absolutely wrong. I tried to improve my relation with them but with the passage of time , its getting worst. My husband is on their side too. I have a baby girl and they threaten me to send me to my hometown with my child if I speak againt any type of dicrimination happening with me. My MIL believes in keeping Nirjala fast, eating after husband, eating left over food. I dont feel good with them so I spend time alone whenever they are home but they dont like my behaviour of getting my own time. Whenver i talk with them, they just humiliate me and my family.
Ans: Dear Anonymous,
Do you all live together? If YES, maybe it's time to actually live separately where there is a healthy space between both families. This may not go well with a lot of families where joint family system have ruled for a long time BUT what's the point spoiling relationships and living under one roof. Of course, your husband also needs to be in alignment with this thought.
If not and this is not going to be possible, then do approach your side of the family to intervene...now, either things may get set right OR things may get worse. It's sad that your husband is unable to see your side of things.
One things I want to ask: What makes them feel that you are trying to steal their son? Is it some behavior of yours that they are misreading? Then it's possible to set things right if this can be identified...

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Ramalingam

Ramalingam Kalirajan  |7159 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 26, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Money
Hello, I need some opinions/advice/guidance in the following matter. I am 68 yrs old and I have invested 40Lakh in various equities & 50Lalk in Equity based M/F’s since last 14 years. Current market value is around 1.8crore & 1.6crore respectively & it may grow by 20% CAGR as per my assumption in the next 7 years and total market value may hit around 10crore mark. I have a land property valued 3crore where I am planning to build a 5 floor residential apartment on it. For this I need a fund around 2crores for construction & I am planning to raise funds from overdraft loans against my Equity shares & M/F at the rate 10.35%.approx . I do not have any other source to raise the required funds as I am retired now and I do not have any other liabilities. I am planning SWP of 10lacs every year to repay interest on OD. I wish that I would be able to pay off any loans and OD WITHOUT having to sell any apartment/unit. Will this be possible? Is there any other way? Thanks
Ans: Your efforts in building a substantial equity and mutual fund portfolio are commendable. Planning the construction of a residential apartment is an ambitious goal. Let us evaluate your plan step by step and explore alternatives.

Financial Overview
Equity Investments: Current market value of Rs 1.8 crore.
Equity Mutual Funds: Current market value of Rs 1.6 crore.
Expected Growth: Assuming 20% CAGR over 7 years, the portfolio may grow significantly.
Land Value: Rs 3 crore.
Construction Funding Needed: Rs 2 crore.
Plan for Funds: Overdraft loan against equities and mutual funds at 10.35%.
Assessment of Overdraft Loan Plan
Advantages
No Asset Liquidation: You retain ownership of your investments, benefiting from potential growth.
Flexible Repayment: Overdraft loans allow partial repayments, easing financial pressure.
Concerns
High Interest Rate: 10.35% on Rs 2 crore results in an annual interest of Rs 20.7 lakh.
Repayment through SWP: An annual SWP of Rs 10 lakh may not fully cover the interest.
Market Volatility: Fluctuations in market value could affect the collateral margin.
Risk of Insufficient Growth
If investments fail to achieve 20% CAGR, loan repayment may become challenging.
Exploring Alternatives
1. Partial Liquidation of Investments
Sell a Portion of Portfolio: Liquidating Rs 1 crore from your equity portfolio can reduce loan dependency.
Benefits: Lower loan amount decreases interest burden significantly.
2. Phased Construction
Stagger Construction Phases: Build the apartment in phases, reducing immediate fund requirements.
Benefits: Spreads out financial pressure and allows cash inflows from initial unit sales or rent.
3. Explore Joint Venture Options
Partner with a Developer: Share the construction cost and revenue with a reputed builder.
Benefits: Reduces upfront financial strain while retaining ownership of some units.
4. Leasing Out Units Post-Construction
Generate Rental Income: Post-construction, lease out units for regular cash flow.
Benefits: Supports loan repayment without liquidating the portfolio.
Revised Strategy for Loan Repayment
Systematic Withdrawal Plan (SWP)
Increase SWP Amount: Consider an SWP of Rs 15-20 lakh annually instead of Rs 10 lakh.
Combine with Partial Liquidation: Use SWP and proceeds from partial liquidation for interest repayment.
Mitigate Loan Risk
Prepay Loan with Surplus Income: Allocate any excess cash flows or savings to reduce loan tenure.
Reassess Growth Assumptions: Lower expected CAGR to 12-15% for a conservative approach.
Tax Implications
Equity Gains Tax: Long-term capital gains above Rs 1.25 lakh are taxed at 12.5%.
Plan Withdrawals Efficiently: Use tax-efficient strategies to minimise outgo.
Final Insights
Your plan to raise funds through an overdraft loan is viable but carries risks. Combining this with a partial liquidation of investments or phased construction can reduce stress. Joint ventures or rental income from units could provide additional financial stability. Consult a Certified Financial Planner to design a comprehensive strategy and avoid over-leveraging.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

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