I hold below shares please let me know your opinion. I can hold for decent time but want to invest more money in shares however cannot as all above shares stand still whether market up or down. Please suggest

Ans: Type II Diabetes is a condition where the body becomes resistant to insulin or doesn’t produce enough insulin, leading to high blood sugar levels. Over time, this high blood sugar can cause damage to various parts of the body, including the nerves. Diabetic Neuropathy is a type of nerve damage that can occur with diabetes. It is often caused by prolonged high blood sugar levels, which can damage the walls of the small blood vessels (capillaries) that supply the nerves with oxygen and nutrients. Polyneuropathy refers to damage to multiple peripheral nerves throughout the body. There are several natural remedies from various traditional medicine systems that may help manage symptoms of diabetic neuropathy. However, it’s important to consult with a healthcare professional before starting any new treatment, especially if you have underlying health conditions or are taking other medications. They can help tailor a plan that’s safe and effective for you.

Ans: It sounds like you’re looking to reduce belly fat while maintaining your overall weight. Increase foods rich in soluble fiber, like fruits, vegetables, legumes, and oats, can help you feel full and reduce belly fat. Avoid trans fats which are often found in processed foods and can lead to increased belly fat. Check food labels and avoid products with partially hydrogenated fats.
Incorporate lean proteins such as chicken breast, fish, tofu, and legumes into your diet. Limit sugary foods and drinks. Exercise regularly and stay hydrated.

Ans: Reversing type 2 diabetes involves making significant lifestyle changes, monitoring of blood sugar levels and dietary modifications. particularly in diet and physical activity. While there’s no absolute guarantee, many people have successfully managed to put their diabetes into remission. Reducing carbohydrate intake can help lower blood sugar levels. Focus on unprocessed foods that are high in fiber and low in sugar. Incorporate sources of healthy fats like avocados, nuts, and olive oil.
Exercise regularly including aerobics and strength training. Make appropriate lifestyle changes and dietary habits and monitor your blood sugar levels regularly.

Ans: It’s great that you’re looking to manage and potentially reverse your type 2 diabetes through diet. Reducing your intake of carbohydrates can help manage blood sugar levels. Focus on non-starchy vegetables, lean proteins, and healthy fats. Include leafy greens, broccoli, cauliflower, fish, chicken, nuts, seeds, and avocados. Avoid sugary foods, white bread, pasta, and rice.
Ensure intake of whole, unprocessed foods. These are generally lower in sugar and higher in fiber, which helps regulate blood sugar levels. Incorporate healthy fats to improve insulin sensitivity. Exercise regularly and maintain your weight. Monitor your blood sugar levels and remain well hydrated.

Ans: It’s great to hear that you’re staying active with walking and Hindu pushups! For dietary adjustments focus on meals that include a balance of protein, healthy fats, and fiber. This can help stabilize blood sugar levels. Choose foods with a low glycemic index, such as whole grains, legumes, and non-starchy vegetables. Be mindful of portion sizes, especially with carbohydrates. Smaller, more frequent meals can help maintain stable blood sugar levels. Opt for snacks like nuts, seeds, and Greek yogurt, which can help keep blood sugar levels steady. Include protein-rich foods like legumes, tofu, low-fat dairy products, eggs, lean meat, etc. Strengthening exercises will help in gaining muscle mass and remain well hydrated throughout the day.

Ans: I understand that managing diabetes through diet can be challenging, but there are several strategies that might help you lower your fasting blood sugar levels. Include non-starchy vegetables like broccoli, spinach, which are low in carbohydrates and high in fiber, which can help regulate blood sugar levels. Opt for whole grains like quinoa, brown rice, and oats which have a lower glycemic index and can help maintain stable blood sugar levels. Include protein rich sources like eggs, chicken, fish, tofu, and legumes. Include healthy fats present in avocados, nuts, seeds, and olive oil which can help improve insulin sensitivity. Adopt a regular exercise regimen and focus on fat loss. Remain well hydrated.

Ans: No, MSc (Environmental Science) and MTech (Environmental Engineering) are generally not considered equivalent for Assistant Professor jobs, especially in the environmental engineering domain.
MSc (Environmental Science): Typically, this degree qualifies candidates for Assistant Professor positions in Environmental Science or related subjects at universities or colleges. However, it may not be considered equivalent to MTech (Environmental Engineering) for faculty positions in engineering departments or technical institutions like IITs, NITs, or engineering colleges.
MTech (Environmental Engineering): This degree is specifically focused on the technical and engineering aspects of the environment, qualifying candidates for faculty positions in environmental engineering or civil engineering departments, where an engineering degree is required.

Ans: I recommend that you postpone your retirement till accumulation of additional corpus of 1.5+1=2.5 Cr+

This incremental 1.5 Cr with existing 2.5 Cr adding upto 4 Cr can be used to buy an annuity.

Assuming 6% annuity rate you can expect a monthly payout of 2 L(pre-tax).

After deducting monthly expenses, the balance can be reinvested in moderately risky funds to protect against inflation/healthcare costs in older age.

1 Cr can be corpus earmarked for future needs.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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Happy Investing!!

Ans: Please check if the EPF contribution after deduction is indeed credited to her EPF account especially after superannuation at 58 and reappointment thereafter on adhoc basis.

Date of exit for EPF and EPS may need not be the same.