Hello doctor I had total cholesterol around 270 and HDL 80 and LDL around 175 with normal tryglecirides. It's been like this since years . I am quite active and daily walk 4 kms. I am 65 years now. My doctor wants me to start statins but I would prefer to avoid. I am following a healthy lifestyle but my cholesterol levels don't get controlled. Should I start statins. And if I do is it ok to discontinue on e the levels become normal.

Ans: Hi,

Financial stability needs to be defined for each individual based on their own preferences and perceptions.

You are a teacher and I assume you will continue your profession until retirement, this gives you opportunity to earn and save for future.

Your current investments are in a fixed income instruments which have the potential to only meet inflation needs for that amount. That means your money though increased over time will be having same purchasing power as it is today.
The property value in the future is a bit of difficult to estimate as it depends on many uncontrollable factors.
Hence we cannot determine if these amounts in the future are going to be able to meet your requirements without understanding your goals.

The approach you should follow is to look at what are your goals/requirements in life - during your working life and after retirement. This will require analysis of your current expenses and future goals to arrive at a corpus number.

A CFP can help you understand, plan and achieve this with a holistic financial plan. You will be provided with options and alternatives that are available and based on your profile/preferences, you will know what and how it can be achieved.
I recommend you take guidance form a CFP towards a holistic financial plan.

Thanks & Regards
Janak Patel
Certified Financial Planner.

Ans: With a COMEDK rank of 1180, you have a strong chance of getting CSE in Bangalore colleges, especially at the top tier institutions. While it may not guarantee a spot in the absolute top-ranked colleges like RVCE or BMSCE, you're likely to have admission to a good college with a solid CSE programme. Scale the stairs of success, it is waiting for you. Professor

Ans: For CSE, JIIT Noida 62 is generally considered a stronger choice than JMI. JIIT has a higher NIRF Engineering ranking, strong placements, and a more established reputation in tech education. JMI, while a reputable university, might not have the same level of industry connections and placement statistics as JIIT. Best of luck. Professor

Ans: Both SRM and VIT Law Colleges are reputable institutions, but VIT generally holds a slight edge in terms of overall rankings and placement records. If you're considering a career in corporate law, SRM might offer some advantages. Still it is your choice. Best of luck. Professor

Ans: For a long-term career perspective emphasizing growth and sustainability, both options have strong points. Electrical Engineering at IIT Madras offers a well-established and reputable program with a focus on emerging technologies like electric mobility and a strong industry connection. DSAI at IIT Guwahati, on the other hand, provides a specialized and rapidly growing field with significant future potential in various domains. Ultimately, the better choice depends on your individual interests and career options. Take proper decision, because DECISION DECIDES DESTINY. Best of luck. Professor

Ans: In a comparison between BITS Mesra's EEE (Electrical and Electronics Engineering) branch and VIT Vellore's ECE (Electronics and Communication Engineering) branch, VIT Vellore generally has a reputation for better placements, particularly in IT/software roles. While BITS Mesra is known for its strong academics and research opportunities, especially in core engineering fields, EEE at VIT Vellore may offer more diverse career paths, including IT and software-related roles. I am always there to guide you in the perfect direction. Professor

Ans: Certainly you should go for JIIT NOIDA

Ans: The B.Tech Electrical & Computer Science program at VIT Chennai generally offers a stronger reputation and placement opportunities compared to the Integrated M.Tech program at VIT Bhopal, especially for students seeking broad career paths. However, the integrated program can be beneficial for students who are sure they want to pursue a more specialized career in research or advanced engineering. Always I am available for you.

Ans: With a COMEDK rank of 34,000 and a JEE Main rank of 254,000, you are likely to be able to secure a seat in a private engineering college in Bangalore. You could also consider NITs and IIITs based on your JEE Main rank, potentially securing admission to less competitive branches like Civil or Mechanical Engineering. Take proper decision,because your decision will decide your destiny.