sir, My age is 72. I am a good personality, and physique and no illness. I was working as an Accounts manager in a company for more than 16 years and I quit that job voluntarily. I am a qualified auditor and also a registered GST and income tax practitioner. If I start my own office it is very difficult to get clients. At present, I am practising home-only( GST and I T returns filling.) I was waiting more than a year. My nature is I do not want to have anybody's support for my livelihood. Sir my question is whether I have to wait to get my job or shall I open my office for practising. I need your valuable advice which does not mean any legality. sivalingam from Bangalore 9742515710 phone no

Ans: Hello. First and foremost, thank you for contacting us. It is good to hear that you have been pursuing an MBBS currently. Going further, as an Indian student of MBBS, it is unlikely that you can pursue a postgraduate degree in the USA free of charge. Although there are scholarship opportunities for international students that are fully funded and scholarships that would cover a specific percentage of your tuition fees, finding a scholarship that targets only Indian students is difficult. Even if you get a fully-funded scholarship, you may have additional expenses like tuition fees, living expenses, and other expenses for transportation and health insurance. It is preferred that you have a look at the scholarship programmes and financial aid programmes, which may help you reduce tuition fees but may not help you provide education fully free of charge.

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

Ans: Dear Anonymous,
This is a bit messy...It could land you into a lot of trouble and obviously you didn't know that when you were chatting with her, right?
Avoiding her hasn't worked and the best thing possibly now would be to just be polite yet firm where she feels that she is not being snubbed. Also consider taking your wife into confidence as this will eliminate the chance of ruining your peace at home. Come clean and confess to your wife and request her to support you; of course she might give you a earful, listen to all of it.
You have a price to pay for the fun that you had that one time; so take it in your stride and tread carefully...be kind to the woman and be honest with your wife. You can only pray that this can keep you out of trouble.
And the next time you drink, kindly keep your phone away...

All the best!

Ans: Hello Kalyan,

If the recent price increase in the Nippon India Vision Fund has significantly altered your asset allocation or if you're uncomfortable with the level of risk, consider selling some units to rebalance your portfolio.

If the fund's performance aligns with your financial goals, risk tolerance, and investment objectives, and you have a long-term investment horizon, holding onto the units may be appropriate.

Regularly review your investment portfolio and make adjustments as needed to stay on track with your financial goals and risk management strategy.

However, please note that this is general guidance, and it's essential to consult with a SEBI registered investment advisor who can provide personalized advice tailored to your specific financial situation, goals, and risk profile.

Ans: Dear Anonymous,
Why are we a part of a world that looks the other way in a jiffy? If you have a condition that makes sex a bit difficult, doesn't it make sense to actually handle the situation jointly as husband and wife?
Anyway, now that you say that your wife is ready to be lured by 'another', you have another battle on your hands. Make a strong move by actually connecting with her emotionally. Pay her compliments, plan trips together; you basically woo her back. On your end, do visit a doctor who can treat you holistically. You need to improve your stamina as some medicines bring down stamina and add fatigue. Exercise everyday and take care of your dietary needs very carefully. Sooner than later, you will find yourself back in the game; but be persistent with proper self-care.

All the best!

Ans: Hmmm lets simplify this, what would you tell your friend if she comes and tells you that she has met someone wonderful BUT his parents will not accept her and he will make no efforts to make it work...I am assuming you will tell her to put this relationship on hold for sometime...which means putting it on hold with no interaction, stopping all interactions - giving him space and time to think about it...do this for 6 months to 12 months, this does not mean dating someone else. Here he needs to find a solution, if he does its a win-win, if he does not then he may not be someone she may wish to be in a relationship with...and in the meantime you are likely to ask her to focus on her career. My response to your query will be on the same lines.

Ans: Hello

Well it's like saying I am doctor but don't like disease or patients.

Coding is life breat of software. Please ask your son to self introspect why he doesn't like coding, that may help him to overcome his dislike.

All the best.

Ans: Hello,

I'm sorry to hear about your wife's pain. The location you described, where the pain is at the point where the finger starts from the foot, could indeed be caused by various conditions such as corns or plantar fasciitis, as you mentioned.Corns are small areas of thickened skin that develop as a result of pressure or friction. They can cause pain and discomfort, especially when walking or wearing tight shoes. Plantar fasciitis, on the other hand, is inflammation of the thick band of tissue (plantar fascia) that runs across the bottom of the foot. It commonly causes stabbing pain near the heel or along the arch of the foot, but it can sometimes affect other areas of the foot as well.To determine the exact cause of your wife's pain and the best course of treatment, it would be advisable for her to visit a physiotherapist or a healthcare professional specializing in foot conditions. They can conduct a thorough examination, possibly including imaging tests if necessary, to make an accurate diagnosis and recommend appropriate treatment options. In the meantime, she can try some self-care measures to alleviate the pain, such as resting the foot, applying ice packs, wearing comfortable and supportive footwear, using over-the-counter pain relievers, and possibly using orthotic inserts or pads to reduce pressure on the affected area.I hope your wife finds relief soon.

Ans: The appropriateness of a 19,000 steps/15 km walk as a weight reduction strategy depends on various factors, including age, heart health, blood pressure condition, condition of knee ,hip and ankle joint . While physical activity is crucial for weight management, it's essential to ensure that the intensity and duration of the exercise align with individual health status and fitness levels.

For some individuals, a 19,000 steps/15 km walk might be perfectly manageable and beneficial for weight reduction, especially if they have a healthy heart and blood pressure. However, for others, such a vigorous exercise routine could be too strenuous and potentially harmful .It's always advisable to consult with a Physician and later Physiotherapist before embarking on any new exercise regimen, especially if you have underlying health concerns. They can provide personalized guidance based on your individual circumstances and help you find the right balance between diet control and physical activity to achieve your weight loss goals safely and effectively.

Ans: Hello,

Your portfolio seems to be well-diversified across different sectors and market caps, which is generally a good approach for long-term investing. Here are a few things to consider:

Performance History: Look at the historical performance of each mutual fund scheme over various time frames (1 year, 3 years, 5 years, and since inception). Compare it with relevant benchmarks and peer group averages to assess how well the fund has performed.

Fund Manager Experience: Evaluate the experience and track record of the fund manager. A skilled and experienced fund manager can significantly impact the performance of the fund.

Expense Ratio: Consider the expense ratio of each mutual fund scheme. Lower expense ratios mean more of your investment returns stay with you rather than being eaten up by fees.

Investment Strategy: Understand the investment strategy of each mutual fund scheme. Make sure it aligns with your risk tolerance, investment goals, and time horizon. For example, small-cap funds tend to be riskier but offer higher growth potential, while flexi-cap funds offer more flexibility in asset allocation.

Asset Allocation: Ensure that your overall portfolio is well-diversified across different asset classes, sectors, and market caps. Avoid overconcentration in any single fund or sector.

Risk Management: Assess the risk management practices of each mutual fund scheme. Look for funds with a disciplined approach to risk management and a focus on preserving capital during market downturns.
Fund House Reputation: Consider the reputation and credibility of the mutual fund house managing the scheme. A well-established and reputable fund house is more likely to have robust investment processes and governance standards.

Regular Review: Regularly review the performance and portfolio composition of each mutual fund scheme. Make adjustments to your portfolio as needed based on changes in your investment objectives, market conditions, and fund performance.
It's also a good idea to consult with a SEBI registered investment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to your needs.

It's also a good idea to consult with a SEBI registeredinvestment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to your needs.