Hi Dr My son is 5. He often gets rashes on his body. Since he is a very active kid we give him a bath twice a day and regularly advice him to wash his hands and face. His specialist recommended Dermadew. But the problems reoccurs every few months.

Ans: It's wonderful to hear that you've seen growth in your investments over the past five years, especially during the challenging times we've faced due to the pandemic and geopolitical events. The returns you've garnered are a testament to the potential of the market and the right timing.

Transitioning from regular mutual funds to direct funds is a decision that many investors grapple with. While regular funds often come with commission fees that are paid to brokers or advisors, direct funds don't have these additional costs. Over time, these fees can eat into your returns, affecting your overall gains.

However, the decision to switch shouldn't be based solely on costs. It's crucial to evaluate the value your broker brings to your investment journey. Do they offer personalized advice, timely updates, or help navigate market volatility? If yes, perhaps it's worth continuing with them despite the higher costs.

But if you feel confident in managing your investments or seek to maximize returns by reducing costs, transitioning to direct funds could be a prudent move. Remember, every investor's journey is unique, and what matters most is aligning your investment strategy with your financial goals.

Ans: Embarking on the journey of financial planning at 48 is a commendable decision. While the world of finance can seem daunting with its myriad jargons, the essence remains simple: planning and consistency.

Considering your age and retirement goal, the concept of SIP indeed holds promise. By consistently investing over time, SIPs can harness the power of compounding, turning regular investments into a substantial corpus.

The beauty of SIP lies not just in its potential returns but in its discipline. It nudges us to set aside a portion of our earnings regularly, teaching us the virtue of patience and perseverance.

Remember, it's never too late to start, and with the right guidance, your goal of a 1 crore corpus by 65 is achievable. Your determination to secure a comfortable retirement is the first step towards a financially independent future.

Ans: Hello. Thank you for contacting us. It is understandable that you have encountered challenges while aligning your career and academics. Coming to the question, let me tell you that for pursuing a PhD, a master’s degree would be a basic requirement. It is advised to go for a full-time MBA abroad instead of an online MBA as it would add a great value to your profile. It is advised to check with your desired university whether the program regarding the availability of the program.
Going further,given your background in fashion, you also have the choice of pursuing a master’s of fashion management from a foreign university. As you said, you are interested in theoretical knowledge, program on master of fashion management from overseas would be of interest to you as it would leverage your knowledge accordingly.
You can consider countries like the USA, UK, Australia, and Canada that have a thriving fashion industry. Also, while studying fashion, you can choose to combine your fashion studies with management-related subjects. It would be good if you let us know if you have thoughts about any country where you would like to pursue your desired course. We will give our best possible guidance.

For any further queries, please get in touch with us. We have a team of expert counselors who can guide you through any concerns or questions you may have.

Ans: - Avoid sugar, jaggery and honey in ur diet
- Avoid fruit juices, coconut water and sugarcane juice
- Include protein with every meal
- Use cold pressed oils instead of refined oils
- Quality sleep - 7hrs/day
- Manage ur stress levels

Ans: Hello Alphones,

To begin with, thank you for contacting us. As an answer to your query, I would like to let you know that if a person holding an Indian MBBS degree wishes to study Doctor of Medicine (MD) in the USA, he/she will generally require to undergo a procedure known as "medical residency." There are numerous steps that one will need to consider. Mentioned below is the same:

As the first step, to ascertain whether the candidate qualifies for a license in the US, they will need to get their educational qualifications assessed by organizations viz., the Educational Commission for Foreign Medical Graduates (ECFMG). Secondly, they will need to clear the United States Medical Licensing Examination (USMLE) Step 1, Step 2 Clinical Knowledge (CK), and Step 2 Clinical Skills (CS). Remember that one’s knowledge and abilities to practice medicine in the USA are evaluated through these exams. Thirdly, upon clearing the exams, they will be required to apply for residency posts using the National Resident Matching Program (NRMP) or similar matching initiatives. Bear in mind that residency programs are highly competitive, and applicants need to show their qualifications and compatibility with the program. After being matched, students enroll in a residency training course in the field of specialization they have opted for. Based on the area of expertise, residency training usually takes three to seven years to complete. Lastly, after having completed residency training, students have the option to become board-certified in their field. They can do so by clearing extra tests that the relevant specialist board administers.

I would like to let you know that although an MBBS from India might not automatically qualify someone to practise medicine in the US, they can still pursue a medical career in the country by completing a medical residency program, as long as they meet the prerequisites and conditions.

For more information, you can visit our website.

Ans: Dear Anonymous,
Why are you having grown-ups who can earn and fend for themselves in your home?
You want space, then make space by politely asking them to move out. Even they need to learn to live with one another whereby the niece can rely on her husband rather than on your husband. Obviously it also suggests that your husband is either being ignorant of her fancy for him OR he's enjoying all the attention. Whatever the case, it will be healthy for both the couples here to maintain a healthy distance so discuss this with your husband and tell him how uncomfortable you feel with her around you all the time. He may call your doubt as foolish, but stay firm and request him that together you both convey to them to find a space and move out. You may even offer to search for accommodation for them so that they don't feel that they are being rudely thrown out.
But, be firm with this...

All the best!

Ans: Dear Anonymous,
Congratulations! Most couples wean off from sex citing old age and other health issues due to ageing...
The act of sex/lovemaking increases heart rate, blood pressure and respiratory cycles and that is the only thing that you need to be watchful of especially if you are under medications for any lifestyle ailments. This doubt can be cleared with your doctor who can advise you accordingly; other than this sex is the most beautiful sport to indulge in at any age and also it keeps a couple together emotionally as well. So, enjoy...

All the best!

Ans: Hello,

First and foremost, thank you for getting in touch with us. I am glad to hear that you have completed your Master of Dental Surgery (MDS) in orthodontics and now wish to immigrate to Europe. To answer your question first, I would like to tell you that the opportunity to immigrate to Europe and work as an orthodontist is based on a number of variables, viz., your credentials, the particular conditions put forth by the nation you want to move to, and any applicable professional laws.

Remember that in a number of European nations, you will be required to have your credentials recognized by the appropriate professional group or regulatory agency, in order for you to practice orthodontics. Assessment of credentials, language competency tests, and potentially further training or testing to adhere to regional requirements could all be entailed in this process.

I would like to let you know that for foreign-trained orthodontists who want to practice, every country in Europe may have its own unique regulations and procedures. I would suggest that you conduct a comprehensive study on the particular immigration and professional prerequisites of the country you want to immigrate to and practice in. Moreover, in order to acquire precise and thorough information specific to your circumstances, I would recommend that you get in touch with professional organizations, immigration officials, or legal professionals with specialized knowledge pertaining to healthcare and immigration laws as they would be in a better position to provide you with the same.

For more information, you can visit our website.

Ans: Your financial discipline and diversified income sources are commendable. Let's delve into your current financial situation and provide some suggestions:

Home Loan Repayment:
Extra Loan Repayments: Given the current interest rates on your home loans, making extra repayments can save you significant interest over the loan tenure. The max gain scheme allows you to park surplus funds in your home loan account, reducing the interest burden effectively.
Interest Rate Comparison: Ensure you compare the interest rates on your home loans with potential returns from other investment avenues to make an informed decision. If you expect higher returns from other investments, consider allocating a portion of your surplus funds there.
Investment Avenues:
Equity Mutual Funds: Given your age and investment horizon, consider increasing your allocation to equity mutual funds. Equity has the potential to offer higher returns over the long term compared to other asset classes.
Diversification: Diversify your portfolio across different asset classes like equities, debt, and gold to mitigate risks and achieve balanced growth.
Emergency Fund: Ensure you have an emergency fund set aside to cover 6-12 months of living expenses. This fund should be easily accessible and not invested in market-linked instruments.
PPF Maturity:
Loan Repayment: Using the PPF maturity amount to repay and close one of your home loan accounts is a prudent decision, as it will reduce your debt burden and interest outgo.
Educational Expenses: With major educational expenses for your elder son on the horizon, reducing your debt burden can free up cash flow to fund these expenses without straining your finances.
Financial Planning:
Goal Planning: Define your financial goals, including retirement, children's education, and other long-term goals. Allocate your investments based on the time horizon, risk tolerance, and expected returns for each goal.
Regular Review: Periodically review your portfolio to ensure it aligns with your goals, risk profile, and market conditions. Make necessary adjustments as needed to stay on track.
In conclusion, continuing extra loan repayments while exploring other investment avenues for higher returns is a balanced approach. Utilizing the PPF maturity amount to repay and close one of your home loan accounts is a good strategy, considering the upcoming educational expenses for your elder son. Ensure you have a well-diversified portfolio aligned with your financial goals, risk tolerance, and investment horizon. Consulting a Certified Financial Planner can provide personalized advice tailored to your financial situation, helping you make informed decisions and achieve your financial goals over the long term! Keep investing regularly and stay disciplined to build wealth and secure your financial future!