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Sanjib

Sanjib Jha  | Answer  |Ask -

Insurance Expert - Answered on Jul 29, 2022

Sanjib Jha is the CEO of Coverfox Insurance. His expertise includes health and auto insurance. He has over 22 years of experience in the financial sector. He has completed his post-graduation from the Institute of Company Secretaries of India.... more
Srinivas Question by Srinivas on Jul 29, 2022Hindi
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5. IRDA rules are not appreciable in this matter, despite approached, we are being asked to approach Ombudsman / court. Is it not strange? What is the solution here and who to approach to get this resolved?

Ans: If the insurer is not responding to your raised concerns, then you can approach the insurer Ombudsman as the next grievance level

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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I have reported a fraudulent (phishing message) transaction to the bank with all details within 1 hour and reported to national cyber crime as advised with 2 hours of this transaction. I am following up with all regulatory authorities- HDFC remitter account, INDUSIND BANK payee account, RBI, NIC , for reversal of transaction. But bank says this is beyond their jurisdiction, as the transaction was done at my end with otp. What i am given to understand that if by mistake you transfer to some other account, banks will not share any information of the receiving person/account., after raising the written complaint with bank, cyber crime, RBI; and when they have a KYC registered system. MoI have reported a fraudulent (phishing message) transaction to the bank with all details within 1 hour and reported to national cyber crime as advised with 2 hours of this transaction. 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RediffGURUS is an intermediary as per India's Information Technology Act. © 2024 Rediff.com - Disclaimer - Privacy - Terms of use - Grievances - Feedback Sreekumar Sreekumar Categories Health Money Relationship Career Gurus Dr Radhakrishnan Pillai Rohit Gupta Rajesh Nair Sarvesh Agrawal Ankit Mehra Abhishek Shah Aashish Sood Patrick Dsouza Mayank Rautela R P Yadav See All GURUS ney Not Answered yet Sreekumar Asked on - Nov 07, 2023 I am not getting my monthly pension from provident fund account Money Not Answered yet Sreekumar Asked on - Oct 12, 2023 what is the good medicine for trigenimal neuralgia, taking tegretol 600 daily , but have serious stomach discomfort and shoulder / leg pain Health Not Answered yet Sreekumar Asked on - Sep 19, 2023 Health insurance renewal premium increased by 20 % last year and this year also, for senior citizen any advise Money Not Answered yet Sreekumar Asked on - Sep 08, 2023 Thanks for your response. 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RediffGURUS is an intermediary as per India's Information Technology Act. © 2024 Rediff.com - Disclaimer - Privacy - Terms of use - Grievances - Feedback Sreekumar Sreekumar Categories Health Money Relationship Career Gurus Dr Radhakrishnan Pillai Rohit Gupta Rajesh Nair Sarvesh Agrawal Ankit Mehra Abhishek Shah Aashish Sood Patrick Dsouza Mayank Rautela R P Yadav See All GURUS
Ans: Sorry, this follow-on question is outside my competancy please.
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Hi Sushil. My daughter is planning to do MS from US. She has got acceptance from two universities and waiting from one more. Meanwhile, I have approached bank for loan. Their list of documents require I20, whereas for I20 I have to show finance. How to solve this? Secondly, the fee estimate of University shows only for one year ( spring and fall), How can I show the requirement for two years to Bank? No.3: Whether cash in account to be shown while applying for VISA or bank loan also will do? Sorry I have asked lot of questions.
Ans: Hello R. It is great that your daughter has been accepted by a couple of universities in the US. To answer your question first, generally, banks do ask for I-20 to process the loan application; however, a few banks or NBFCs, e.g., HDFC Credila, could issue a loan sanction letter on the basis of the offer letter issued. You could use this sanction letter to call for the I20, provided the university is accepting the letter, or show the required funds in your savings account, provide a bank certificate, and then call for the I20.Expenses to be shown in the bank certificate or savings account to call for the I20 are for a year, which includes the total of tuition, food, accommodation, and miscellaneous [if any]. I20 will show expenses for 9 or 12 months; however, it will also clearly mention the start and end dates of the course, which would help the bank know the total duration of the course and accordingly sanction the loan amount will be sanctioned. Yes, both the savings account and the education loan letter could be used during the visa interview.

For further assistance, you can get in touch with us
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Krishna

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Workplace Expert - Answered on Mar 29, 2024

Asked by Anonymous - Mar 29, 2024Hindi
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I was doing Business for past 23 years and have been succesful in that.. After COVID my business fell apart and I am trying to regain the foothold. Although I have created a good brand, I am not able to make the Money I was making earlier. However the buisness is picking up and I knew If I could have little more patience, I will make it. However the situation demands lot of financial requirements for my lifestyle and family. They are insisiting me to go for a Job now. My business is stagnent for past few years and it is slowly showing the signs of growth now.. I do not want any waiting time due to pressing needs. I am 49 Now.. I am not sure if applying for work at this age will help as I have no idea on the Job market.. I am getting very good offers on selling my Business. Kindly advice.
Ans: Dear

There are two parts.

Emotional...how you feel attached to your business.

Rational: your financial needs and the revenue that your business is generating.

Any advise us a function of both the above aspects. Unless one knows the current revenue numbers, growth potential of the business, competition and several such factors it's not possible to share any guidance.

Hence may I suggest you talk to your CA and other colleagues of yours, look at the numbers in hard way and then take a call.

Emotional aspect can be both strength and liability... strength because it will inspire you to make business grow... liability because you may be overtly attached to your business without looking at the financial realities.

All the best.
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Dr Shakeeb Ahmed

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Physiotherapist - Answered on Mar 29, 2024

Asked by Anonymous - Mar 28, 2024Hindi
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Sir im 36 yrs of age weighing 107 kgs and I regularly walk which helps in maintaining my weight but im unable to reduce belly fats. I walk approx 4 kms daily within 30 minutes .
Ans: Thank you for your inquiry. I appreciate your dedication to maintaining a consistent walking routine for weight management. However, if you're specifically aiming to reduce belly fat, it might be beneficial to incorporate additional methods into your regimen.

While walking is great for overall health and weight control, integrating strength training exercises can be instrumental in building muscle mass and boosting metabolism, thereby facilitating greater fat loss, including targeting belly fat. Incorporate exercises such as squats, lunges, push-ups, and abdominal workouts like crunches or planks.

To enhance the effectiveness of your walking routine, consider adding intervals of higher intensity. This might entail alternating between periods of brisk walking and intervals of more vigorous effort, such as walking uphill or increasing your pace to a jog for brief durations. This approach can elevate calorie expenditure and promote fat burning.

In terms of nutrition, it's crucial to pay close attention to your dietary habits, as they significantly impact fat loss. Prioritize a well-rounded diet rich in whole foods such as fruits, vegetables, lean proteins, and whole grains, while minimizing intake of processed foods, sugary beverages, and excessive calories, which can contribute to belly fat accumulation. Additionally, consider reducing carbohydrate intake and increasing protein consumption in consultation with a registered dietitian for personalized guidance.

Overall, by incorporating these strategies alongside your walking routine, you can optimize your efforts towards reducing belly fat and improving overall health.
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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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