I am Suresh,70 years and a diabetic since almost 20 years. I am taking 30 units of Novomix in the morning along with Glycomet GP2 tablet, Istamet 50/500 all in the morning before food and Istamet 50/500 inthe night. I walk every day for 45-50 minutes. I am a pure vegetarian. I do not smoke nor do I drink. My food habits are good and I eat very little in the morning, afternoon and in the night. My sugar lever does not come down inspite of my good habits. What should I do to bring down the sugar level to 120 or some where near. It is 170 average as of now, Kindly suggest if I have to change the medicine and insulin

Ans: Your query reflects a unique position: you are financially secure, have no immediate monetary pressure, and have a genuine desire to help others. Here’s a structured approach to navigate your thoughts, align your purpose, and utilize your resources effectively:

1. Self-Reflection and Emotional Well-Being
Acknowledge Your Position: Feeling "confused but lucky" is natural for someone in your shoes. You’ve done exceptionally well, but now it’s about finding meaning beyond wealth.
Define Your Purpose: Reflect on why you want to help others with investments. Is it to share your knowledge, build relationships, or leave a legacy? A clear purpose will guide your efforts.
Engage with Mentors or Communities: Join communities of like-minded individuals passionate about personal finance. This will give you clarity and help channel your energy positively.

Helping People with Investments
Become a Trainer for Investors
Share your wealth of knowledge and personal experience by training others. Conduct workshops, webinars, or small group sessions to educate individuals about investments, mutual funds, and wealth-building strategies.
Partner with local organizations, schools, or community centers to organize financial literacy programs, empowering others with practical knowledge.
Build Credibility as a Social Media Influencer
Start a blog, YouTube channel, or social media page to share practical investment guidance. Leverage your personal success stories, such as how your investments enabled you to achieve significant milestones like buying a house or building wealth.
Use engaging and relatable content, including videos, infographics, and step-by-step guides on financial discipline, mutual funds, and long-term investing.
Share lessons learned from your journey, highlighting the importance of patience and strategic planning in investment success.
Engage with the Community
Offer free introductory sessions on investment basics to build trust and reach a wider audience.
Position yourself as an advocate for financial literacy, helping people understand the importance of long-term financial planning.
By focusing on training and becoming a trusted voice in financial education, you can inspire and guide others to achieve their financial goals without the need to sell or distribute financial products.

3. Planning for Your Children
Liquidating Land Thoughtfully:
If you believe the land may become a burden, consider liquidating part of it gradually. Invest proceeds in diversified, low-maintenance assets (like index funds, balanced funds, or income-generating instruments) for your children’s future.
Education and Independence:
With their education well-funded, encourage them to explore careers and passions aligned with their interests rather than burdening them with managing family assets.
4. Personal Development
Stay Physically and Mentally Active:
Your fitness focus is commendable. Complement it with mindfulness practices like yoga or meditation to address occasional feelings of depression.
Pursue Interests:
Engage in hobbies, volunteering, or activities outside finance. This will provide balance and joy.
5. Long-Term Vision for Wealth
Simplify Your Estate:
Work with an estate planner to create a will or trust that outlines how your wealth should be distributed. If you wish to donate or help others, identify organizations or causes now.
Educate Your Children:
Teach them about financial independence and stewardship of wealth to ensure your legacy doesn’t become a source of stress.
6. Combatting Depression:
Stay Connected: Spend quality time with your family and engage socially. Helping others genuinely can alleviate feelings of emptiness.
Seek Professional Support: If occasional depression persists, consult a counselor or therapist to navigate your emotions effectively.
Your desire to help others while living a secure and fulfilling life is inspiring. You’re in an enviable position to create a meaningful legacy for yourself and others.

Next Steps:

Start researching about training topics.
Begin sharing your investment journey informally through social media or blogs.
Seek professional help to plan the estate and ensure your children’s financial and emotional well-being.
You have the resources, experience, and goodwill to make a difference. Channel these into meaningful action.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Harjot, You have to tell a lot more about yourself in details, what are you doing, where, how did you do in your class XII. Short 5 word questions are not enough to seek any advice.

Ans: Now let's talk about what he wants to do? He must realize that not everyone needs to do coding. There are lots of other jobs in sales, marketing, Customer relationship management. He should look for those jobs. There is no shortage of jobs for those willing to get started. You have to motivate him that he needs to be on the look out for a job.

Do let him share final score in the BE, which college and university. Does his college have a placement cell? Will they not consider him for placement this year considering that he lost time due to medical reasons. Perhaps a special request to the college will help.

Ans: Dear Anonymous,
First of all, it is great that you took her feedback so positively and are trying to make constructive changes. It is not easy to admit flaws and work on them. Now, I would suggest starting off by putting your attention a little more on yourself than your partner. Focus on being independent; just because two people are dating does not mean they have to be constantly co-dependent. Pursue new hobbies, connect with friends, explore new things alone and some time together, and in general, give more time to personal growth.

Everyone has different love languages and life events can shape the way we give and receive love. For you, being too attentive and attached can be a byproduct of the childhood trauma you mentioned. Similarly, your partner's way of receiving love can be different. The best way to understand each other's love language is to communicate clearly. Listen to her without getting defensive. I would hope she can do the same for you. I am sure a few open conversations can bring you both to that sweet spot where you both are comfortable with each other's style of showing love.

I would also suggest therapy to address the insecurity and unresolved issues from your past. It can do wonders for your emotional health. Also, remember that a healthy relationship needs some room to grow. Allow yours the space.

Best Wishes.

Ans: I am not clear on your question/s.
Please put down your questions clearly serial-wise. Also give full name of your course, college

Ans: I suggest you focus on your program with your full energies, work on projects, hackathons, pick up software skills from SWayam portal and be ready to face the placement interviews in an year form now.

Ans: Computer science is a vast and exciting field with several branches, dimensions and aspects. You need to identify area that you would like to pursue, make a study plan and excel in that.

Ans: Certainly. Genpact is and people friendly company that cares to evolve a career progression plan, Your son should discuss with his supervisors and work it out jointly.

Ans: The short answer is a big YES. Cyberattacks, fraud calls. banking frauds, scam link, dark web, online payments, data security are pointers to the daily threats being reported even among the most secure networks, tech savvy users which all need cyber security experts, technologies, and software.