రోగాల ఆటకట్టు గలిజేరు ఆకు పునర్నవ

రోగాల ఆటకట్టు

అటికమామిడి అని కొన్ని ప్రాంతాల్లో గలిజే రుగా పిలుస్తారు. పునర్నవ అంటే ఇప్పుడం దరికీ తెలిసిన పేరు. చుట్టుముట్టే రోగాలపైన అటికమామిడి ఒక చిటికెలో చేయదగిన చికిత్సగా ఉపయోగించే ఆహార ద్రవ్యం కూడా!

పునర్నవ అనే పేరులోనే శరీరానికి పునర్యవ్వనాన్ని అందిస్తుందనే ఖ్యాతి రాసి పెట్టి ఉంది. కోల్పోయిన శరీర ధాతువులకు ప్రాణ ప్రతిష్ఠ చేసే అమృత హృదయం దీనిది.లివరు, స్పీల్న్‌, పాంక్రియాజ్‌, కిడ్నీలకు ఇది రక్షణ చక్రం. ఊరంతా చుట్టబెట్టే కామెర్లు, కళ్లకలకలు, చివరకు కరోనా వంటి మహమ్మారుల దాడి నుంచి కూడా ఇది దేహానికి రక్షణ కవచంలా నిలుస్తుంది. దీని స్పర్శ తగిలితే చాలు కామెర్ల వ్యాధి తగ్గుతుందని గలిజేరు తీగని 3-4 పేటలుగా చుట్టి మెడలో హారంలా వేసుకుంటారు. ఇలా గళానికి చేరు (నగ)లా ధరిస్తారని గలిజేరనే పేరొచ్చిందంటారు.

గలిజేరాకులు, కాండం, వేళ్లు అన్నీ వగరు, చిరుచేదుల కలబోతగా ఉంటాయి. పొడికూర, పప్పు, పచ్చడి ఇలా పాలకూరతో వండుకునేవన్నీ గలిజేరుతోనూ వండుకోవచ్చు. ములగాకుతోనో చింతచిగురుతోనో కలిపి కార ప్పొడి తయారు చేసుకోవచ్చు. గోంగూర నిలవపచ్చడికి అనుసరించే పద్ధతిలోనే గలిజేరుతోనూ నిలవ పచ్చడి పెట్టుకోవచ్చు. పాలక్‌ పకోడి, మసాలా వడ లాంటివి గలిజేరు ఆకులతోనూ వండుకోవచ్చు. కీళ్లవాతంలో వచ్చే వాపులు, నొప్పుల్ని కరిగిస్తుంది కూడా!

గుండె జబ్బులున్నవారికి గుండె బలాన్ని స్తుంది. నివారించడంలో, రక్త ధాతువును, ఇతర ధాతువులను కూడా పెంచి పోషిస్తుంది. క్షయ, ఎయిడ్స్‌ వంటి క్షీణ వ్యాధుల్లో సైతం ఇది అండగా నిలుస్తుంది.దీని ఆకుల్లో పీచు ఎక్కువ కాబట్టి ఇది షుగరు, స్థూలకాయం ఉన్నవారికి మేలుచేసే ద్రవ్యం. వాళ్లు తరచూ తాజా గలిజేరు పప్పు లేదా పొడి కూర లాంటివి వండుకుని తినటం మంచిది. కొందరైతే ఉదయాన్నే ఈ ఆకుల ముద్దని నీళ్లలో వేసి మరిగించి చిక్కని కషాయాన్ని తాగుతారు. మలబద్ధకాన్ని జయించాలంటే ఇది మంచి ఉపాయం. మొలల వ్యాధిని దూరం చేసి, జీర్ణకోశాన్ని ప్రక్షాళన చేస్తుంది. దేహంలో చేరిన అనవసరపు నీటిని బయటకు పంపి, ఉబ్బును తగ్గిస్తుంది.

మన పూర్వీకులు ఈ ఆకులను మినప్పప్పు, సుగంధ ద్రవ్యాలతో కలిపి రుబ్బి, వడియాలుగా పెట్టుకునేవాళ్లు. ఈ వడియాలను నూనెలో వేగించకుండా కూరల్లోనూ పులుసుల్లోనూ కలిపి ఉడికించేవాళ్లు.

లేత గలిజేరు ఆకులను తెచ్చి, శుభ్రంగా కడిగి సన్నగా తరిగి వాటికి కాసినన్ని లేత కాకర ఆకుల్ని, కొద్దిగా శొంఠి పొడిని చేర్చి నీళ్లు పోసి ఉడికించాలి. ఇది గలిజేరు శుద్ధి ప్రక్రియ. ఉడికిన తరువాత కాకరాకుల అవసరం లేదు, తీసేయవచ్చు. ఉడికిన ఈ గలిజేరు ఆకుల్ని ఒక బాండీలోకి తీసుకుని, తగినంత ఉప్పు, కోరుకున్న సుగంధ ద్రవ్యాలు చేర్చి, కమ్మని నెయ్యి వేసి దోరగా వేగించాలి. వేడి కాస్త తగ్గాక, చిటికెడు పచ్చకర్పూరం చల్లితే ఆ కూర పరిమళం ఇల్లంతా గుబాళిస్తుంది.

ఉడికించిన గలిజేరు ఆకులు వేడి చెయ్యకుండా ఉంటాయి. ఈ ఆకులతో పప్పు, పచ్చడి ఇలా వంటకాలన్నీ వండుకోవచ్చు.

ఆకుకూరలంటే కేవలం తోటకూర, పాలకూర, గోంగూరలే కావు! అంతకన్నా ఎన్నో రెట్లు ఔషధ విలువలున్న అమృతం లాంటి మొక్కలు మన చుట్టూనే పెరుగుతున్నాయి. గలిజేరుతో పాటు గుంటగలగర, ఉత్తరేణి, కొండపిండి, చెంచలి, గంగపావిలి, గజపల్లేరు వంటి మొక్కలు రోడ్డు పక్కన, పొలం గట్ల మీద మన కోసం ఎదురుచూస్తుంటాయి. ఇది కామెర్లలో దివ్య ఔషధం. పునర్నవారి షట, పునర్నవాది మండూరం లాంటి అనేక ఆయుర్వేద ఔషధాలు రక్తహీనతను తగ్గించి, కాలేయాన్ని బలసంపన్నం చేసేవిగా ప్రసిద్ధం. రసాయనాలు పురుగుమందుల విషపు వలయం నుండి మన ఆరోగ్యాన్ని కాపాడుకోవాలంటే... ప్రకృతి ఉచితంగా ప్రసాదించే ఇలాంటి ప్రత్యామ్నాయ ద్రవ్యాలపై మనసు పెట్టక తప్పదు.

- డా. జి వి పూర్ణచందు, 94401 72642

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Candle stick charts 22-07-2026

We know that candlestick charts have an opening price, a closing price, a minimum price, and a maximum price, four elements. To see the long and short forces, focus should be on these four elements, not just the color of the candlestick chart, but also the price.

Comparison of the long and short formula: the highest price - closing price = more: closing price - the lowest price = short, a single candlestick can only represent the day of the contrast between the power of long and short, but if you want to "operation" or to combine "trend".

Let's take a look at the classic long-performance candlesticks.

1. Green bullish candlestick to reflect the buyer's dominance, the longer the green line entity, indicating that the stronger the buyer's power, here I am from the strong to the weak, left and right in order for you to do the image labelled.

2. A red bearish candlestick indicates that the sellers are dominant the longer the red bearish candlestick entity the stronger the seller's power.

3. In the daily study, we must not use a single up or down to judge today's trend, but use the way to judge the strength of the short and long contrast, through the study and understanding of the calculation of the strength of the short and long, we can effectively separate today's closing candlestick or closing candlestick of the reliability of the closing candlestick, as an example:

In the stock ITC, closed down the red line, with the highest price of 456.4 closing price of 454.05 lowest price of 451, in today's candlestick chart long power: 454.05-451 = 3.5; short power 456.4-454.05 = 2.35, it is clear that although the number 4 closed down the red candlestick chart, today's bulls are slightly stronger than the Short.

In the stock BAJFINANCE, short strength = high price 8159 - close price 8093 = 66; long strength = close price 8093 - low price 8057 = 36. Although it closed with an upward green line, the short side was stronger than the long side strength.

Next, we learn the significance of single candlestick charts or combinations in a staged market.

When the trend and the single candlestick indicate the same long and short forces, it means that the future single candlestick resonates with the trend, and the probability of running along the direction of the trend is greater.

1. Uptrend, as shown in the chart: uptrend is more dominant, indicating that the rise did not stop, we can see that when the price breakthrough A the long clearly began to perform strongly (Figure marked B) then the price rising the rising process of the long has been suppressed in the short!

2. Downtrend, as shown in the figure: downtrend of empty war superior the decline will continue. I use the simplest and intuitive up and down arrows to represent the power of the multiple and empty convenient for everyone to understand, learn today's method. I think that even if the price is low, you will not buy such a stock!

3. Buying opportunities and stop-loss judgment in the uptrend. 

The uptrend is the emergence of empty dominance there may be a rising relay or washout in the absence of a break below the neckline can be assured of holding and negative or you buy the opportunity.

4. Downtrend how to find escape opportunities and reversal opportunities

As shown in the figure: the downtrend in the A short is clearly dominant, in the long accounted for in the rebounding market B, the short once again dominant is to escape the opportunity to C, the market breakthrough in the pre-decline channel, the dominant can be light to buy, when the structure of the ascending channel E formation is obvious, the price of back to step on the trend line is not broken and the dominant to re-possess can be regarded as a signal to increase positions!

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Billionaires Who Lost Everything 🤯

Billionaires Who Lost Everything 🤯

Anil Ambani~ ₹3.51 Lakh Crore

Vijay Malya~ ₹22,585 Crore

Mehul Choksi~ ₹13,000 Crore

Nirav Modi~ ₹13,000 Crore

Byju Raveendran~ ₹10,000 Crore

Ramalinga Raju~ ₹7,136 Crore

VG Siddhartha~ ₹7,000 Crore

Harshad Mehta~ ₹4,000

When A. P. J. Abdul Kalam passed away in Shillong, the whole world mourned. But the real story came to light the next day in Delhi.

When A. P. J. Abdul Kalam passed away in Shillong, the whole world mourned. But the real story came to light the next day in Delhi.

His close associates arrived to open his room. Everyone was curious to see what wealth such a great scientist — a man who had served the government in top positions for 40 years and spent 5 years in the majestic Rashtrapati Bhavan on Raisina Hill — had left behind.

But when the room was opened, silence filled the air.

There was no locker. No luxury car keys. No foreign bank account passbook.

In a small trunk lying in the corner of the room, they found only this:

6 worn-out shirts and 4 trousers (which he used to wash himself)

3 old suits (one of them had been stitched when he became President and lasted him all 5 years)

1 wristwatch — punctual, yet far removed from showmanship

1 old laptop and 1 veena

And the most valuable possession of all: 2,500 books

That was the entire wealth of the man who helped make India a nuclear power.

Do you know what is even more astonishing?

The man whose signature could influence budgets worth billions never bought even an inch of land for himself.

Today, we wear shoes worth ₹2,000 and sunglasses worth ₹5,000 and consider ourselves rich. But that great soul, without any brands or extravagance, won the admiration of the entire world.

Even in death, Dr. Kalam left us with a mirror to look into — teaching us that:

“A person is remembered not for his status, but for his values and vision.”

If today you have a roof over your head and clothes to wear, then materially you may be richer than the President once was. But do you have a heart like his?

Countless salutations to this great soul and his simplicity.

: I am 51 yr old , Staying in NCR (Rental); Old Parental House in Lucknow (Vacant, To be sold later, Approx Cost - 60 L); *18.90 L PA salary (In hand), Expenses 10.0L PA (Inclusive of House expenses, Electricity , House rent , Term Insurance Premium, Medical + super Top up Premium, Car Loan for next 32 month etc), 2 Term plan - 1.75 Cr (Cummulative SI) ; Daughter (1 no, 20 yrs) - Higher Education & Marriage, Son (1 No, 13 yrs) - Higher Education & Marriage; New house to purchase (In Lucknow in next 5-6 years after selling the exisitng Parental house , Budget: 75L - 85L);; * Investments : PPF (25th Term Running): 24 L ; Sukhanya (Daughter's) : 4.5L; Shares : 10.0 L. I also earn approx 1-2 Lacs from Interest + Dividends which is again reinvested in SIP. * Monthly investment is 72K in Mutual Fund SIP

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51-Year-Old Looking to Retire With 10 Crores in 9 Years: Can You Help?

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Ramalingam Kalirajan |11262 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 03, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.

He has an MBA in finance from the University of Madras and is a certified financial planner.

He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

U Question by U on Oct 01, 2024

Money: I am 51 yr old , Staying in NCR (Rental); Old Parental House in Lucknow (Vacant, To be sold later, Approx Cost - 60 L); *18.90 L PA salary (In hand), Expenses 10.0L PA (Inclusive of House expenses, Electricity , House rent , Term Insurance Premium, Medical + super Top up Premium, Car Loan for next 32 month etc), 2 Term plan - 1.75 Cr (Cummulative SI) ; Daughter (1 no, 20 yrs) - Higher Education & Marriage, Son (1 No, 13 yrs) - Higher Education & Marriage; New house to purchase (In Lucknow in next 5-6 years after selling the exisitng Parental house , Budget: 75L - 85L);; * Investments : PPF (25th Term Running): 24 L ; Sukhanya (Daughter's) : 4.5L; Shares : 10.0 L. I also earn approx 1-2 Lacs from Interest + Dividends which is again reinvested in SIP. * Monthly investment is 72K in Mutual Fund SIP. SIP in Progress: DSP Elss D/G - 8000/- ; Nippon Mid Cap D/G - 5000/-; Nippon Multi Cap D/G - 8000/-; Parag Flexi Cap D/G - 5000/- ; Quant Elss D/G - 8000/- ; Mirae Elss D/G - 6000/- ; ICICI Pru Val Disc D/G - 7000/-; HDFC Def D/G - 5000/-; HDFC Flexi Cap D/G - 5000/-; HDFC Mfging D/g - 5000/-; HDFC Mid Cap opportunity D/G - 5000/- ; HDFC Top 100 D/G - 5000/- ; * SIP Completed lying dormant (Units available) : Axis Bluechip D/G - 4287 units; Axis Elss D/G - 8049 units; Axis Elss D/IDCW - 4342 units; Sundaram Mid Cap D/G - 1123 units; UTI Nifty 50 index D/G - 3021 units ; ABSL Frontline Equity D/G - 4763 units ; DSP Top 100 D/G - 2203 units ; HDFC Hybrid - 5862 units; HDFC Top 100 D/IDCW - 3640 units ; HSBC ELSS R/IDCW - 1840 units ; HSBC ELSS D/IDCW - 259 units ; ICICI Pru Bluechip D/G - 4267 units ; ICICI Pru Multi Asset D/G - 1775 units ; Mirae Large & Mid Cap D/G - 3395 units ; Mirae ELSS D/IDCW - 8861 units; Nippon Large Cap D/G - 9915 units; Nippn Elss D/IDCW - 12705 units ; Quantum Long Term Equity D/G - 9702 units; I have been Investing from 1998 onwards in SIP ; Till now total invested in SIP : 65L ; Current value is 1.84 Cr). My Wish List : To retire with approx 10CR after 9 years after fulfilling all my obligations; So please Suggest / Guide me , how to move forward with current investments or any restructure is reqd. Thanks in Advance.Ans: You have built a solid financial foundation over the years. Your investments reflect careful planning and a long-term perspective. With a salary of Rs 18.90 lakhs per annum and expenses of Rs 10 lakhs annually, you have a good balance between income and spending. Your approach to saving and investing is commendable.

Your investments are diversified across various asset classes, including mutual funds, fixed deposits, and shares. This diversification helps reduce risk and enhances the potential for returns. Moreover, your existing investments in PPF and Sukanya Samriddhi Yojana indicate a commitment to secure savings for your children’s future.

Your current monthly SIP of Rs 72,000 in mutual funds is a proactive strategy. You've been investing in various schemes for several years, which has allowed your portfolio to grow substantially. With a total investment of Rs 65 lakhs in SIPs and a current value of Rs 1.84 crores, you’ve demonstrated remarkable discipline.

Evaluating Your Investment Strategy

Your investment strategy is multifaceted, but there are areas that could benefit from evaluation. Let’s break down your investments:

SIP Investments: You are currently investing in several mutual funds across different categories. This diversification is essential to balance risk and return. However, with multiple funds in the same category, there could be an overlap in holdings, leading to dilution of potential returns.

Dormant Units: You have several completed SIPs that are now dormant but hold units in various mutual funds. These funds need careful review to determine whether they are performing adequately. If some funds have not delivered desired returns, it may be time to redeem and reinvest in better-performing options.

Future Financial Goals: You have clear financial goals for your daughter and son regarding their higher education and marriage. Additionally, you plan to purchase a new house in Lucknow. These are significant financial commitments that require careful planning and allocation of resources.

Current Insurance Coverage: You have two term insurance plans with a cumulative sum insured of Rs 1.75 crores. This coverage is essential for your family’s financial security. However, it is crucial to ensure that this coverage is sufficient based on your family's future needs, especially considering your children’s education and marriage.

Optimizing Your Investment Portfolio

To achieve your goal of accumulating Rs 10 crore in the next 9 years, a focused investment approach is necessary. Here are strategies to optimize your portfolio:

Consolidate Your ELSS Funds

You are currently investing in multiple ELSS schemes, which offer tax benefits while providing potential for growth. However, having too many funds can dilute your investment and complicate your financial strategy.

Recommendation: Select one or two high-performing ELSS funds that have consistently demonstrated strong performance. Focus on funds managed by reputable fund houses with a proven track record. This consolidation will help simplify your portfolio and improve overall returns.

Focus on Growth-Oriented Investments

Given your 9-year investment horizon, you have the opportunity to take on more risk for potentially higher returns.

Recommendation: Consider increasing your allocation to growth-oriented mid-cap and small-cap funds. These funds often outperform large-cap funds over the long term. However, they can be volatile, so regular monitoring and rebalancing are essential.

Review Sectoral and Thematic Funds

While sectoral funds can offer high returns, they are also risky and may not provide consistent performance.

Recommendation: Evaluate the performance of your sectoral funds. If any of these funds are underperforming or not aligning with your long-term strategy, consider reducing your exposure. Redirect those investments into diversified large-cap or multi-cap funds. These funds generally offer a more balanced approach and can help reduce overall portfolio risk.

Optimize Dormant Units

Your completed SIPs have left you with units in various funds. While some of these funds may still be performing well, others might not meet your expectations.

Recommendation: Review the performance of your dormant units. If some funds have consistently underperformed, consider redeeming them and reallocating those funds into better-performing options. Ensure you are aware of the tax implications of any redemptions, particularly long-term capital gains tax.

Tax Implications of Mutual Fund Investments

Understanding the tax implications of your investments is critical in optimizing your portfolio.

Equity Mutual Funds: Long-term capital gains (LTCG) exceeding Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%. When redeeming mutual fund units, consider these tax implications, especially if you're redeeming large amounts.

Debt Mutual Funds: Both LTCG and STCG for debt funds are taxed according to your income tax slab. This means that these funds could increase your tax liability. When managing your portfolio, always factor in these tax implications to make more informed decisions.

Future Financial Goals and Their Impact

Daughter’s Higher Education and Marriage: Since your daughter is now 20, her higher education and marriage are approaching quickly. It's crucial to have a clear plan to fund these significant expenses.

Recommendation: Start earmarking specific funds for her education and marriage. You can consider redeeming some of your ELSS units after the lock-in period to provide funds for these needs. Additionally, you may want to consider a dedicated equity fund that targets these specific goals.

Son’s Higher Education and Marriage: You have a longer time frame for your son’s financial needs. This gives you a more extended period to invest in growth-oriented mutual funds, which can lead to substantial capital accumulation.

Recommendation: Keep investing in high-growth mutual funds for your son’s future needs. By the time he is ready for higher education, your investments should have appreciated significantly.

New House Purchase: Your plan to purchase a new house in Lucknow in the next 5-6 years is an important financial goal.

Recommendation: Start saving for the down payment now by allocating a portion of your current savings into liquid or short-term debt funds. This will ensure you have the necessary funds available when you sell your parental house and need to make the purchase.

Monthly Investment and Saving Strategies

To support your goal of accumulating Rs 10 crore in 9 years, here’s how to maximize your monthly investments:

Increase SIP Contributions: If possible, consider increasing your SIP contributions gradually. Even a modest increase can significantly enhance your investment corpus over time.

Emergency Fund: Maintain an emergency fund to cover at least 6-12 months of your expenses. This fund will ensure you do not need to liquidate investments during market downturns.

Reassess Monthly Expenses: Regularly review your monthly expenses to identify areas where you can cut costs. Any savings can be redirected to your investments.

Utilize Additional Income: The additional income you earn from interest and dividends should also be reinvested. Consider channeling this income into your SIPs or purchasing additional units in mutual funds that align with your long-term goals.

Insurance Coverage Assessment

Your current insurance coverage of Rs 1.75 crores is a good start, but you need to evaluate if it is adequate.

Recommendation: Assess the total future liabilities you would want to cover. This includes your children’s education and marriage expenses and any outstanding loans. If you feel the current coverage is insufficient, consider increasing your term insurance coverage.

Health Insurance: Ensure you have adequate health insurance coverage for you and your family. The medical expenses can be significant, especially in the event of emergencies.

Final Insights

Your disciplined approach to investing has positioned you well for a comfortable retirement. By making a few strategic adjustments, you can optimize your portfolio to achieve your goal of Rs 10 crore in 9 years.

Review Regularly: Conduct regular reviews of your investment portfolio. This will help you stay on track and adjust your strategy as market conditions change.

Stay Informed: Keep yourself informed about market trends and economic changes. Knowledge is a powerful tool in managing your investments effectively.

Seek Professional Guidance: If needed, consult with a Certified Financial Planner for personalized advice. They can provide insights tailored to your unique financial situation and goals.

Your existing investments, combined with a well-structured plan, can help you achieve your retirement goal while fulfilling your family obligations.

Stay committed to your financial plan, and take the necessary steps to ensure your family’s financial future is secure.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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