I regret exceedingly all your troubles and difficulties. They are all, it goes without saying, matters of Karma, and must right themselves in process of time. Meantime, your work and duty lie in continuing patient and persevering throughout. The troubles of your friends and relatives are not your Karma, though intimately associated with it by reason of the very friendship and relation. In the lives of all who aspire to higher things there is a more or less rapid precipitation of old Karma, and it is this which is affecting you. It will go off shortly, and you will have gained greatly in having gotten rid of a troublesome piece of business.
As it will take many a life for one to overcome the personal nature, there is no good in imagining what things and thoughts would then be like. It is certain that, in that long journey, the whole nature changing, it is adjusted to all conditions. Many of those matters which we call the woes of others are really nothing at all, and only "skin deep"; the real woe of the race is not that.
By setting apart a particular time for meditation a habit is formed, and as the time comes round the mind will, after a while, become trained, so that meditation at the particular time will become natural. Hence, as far as possible, it will be well for you to keep to the same hour.
You ask if I was at —— where you saw me. Let me tell you something in confidence. I am around at all places, but, of course, most at such as where you ... and others like that are, but it is not necessary for me to remember it at all, as it is done without that since this brain has enough to do here. To remember I should have to retire and devote myself to that, and it would make things no better.
A college course is not necessary for occultism. One of the best occultists I know was never in college. But if a man adds good learning to intuition and high aspiration he is naturally better off than another. I am constantly in the habit of consulting the dictionary and of thinking out the meanings and the correlations of words. Do the same. It is good.