My Oriental Mediclaim coverage is for Rs 5 lakh under Royal Mediclaim cashless scheme vide PNB. I have completed 36 months, a conditional requirement (a facility only for PNB customer).

In this regard I have a few questions...

Ans: Dear Jack,What you're experiencing is not uncommon in long-term relationships: emotional fatigue, feeling unappreciated, and a deep sense of disconnection despite loyalty and love. The fact that you're feeling drained, resentful, and stuck is a clear signal that this situation is unsustainable as is. And the irritation and bad moods you’re having? That’s your emotional system signaling burnout, not failure.

You’ve evolved over the years—mentally, emotionally, and in lifestyle—and it sounds like your wife hasn’t moved in that same rhythm. That mismatch in growth and energy is now affecting everything: your respect for her, your shared routines, your sex life, and ultimately your mood and emotional well-being. It’s painful to feel like you're constantly giving—time, energy, effort—and not receiving the same in return. Even when your partner is kind, if they aren’t meeting you emotionally, intellectually, or intimately, over time it creates a sense of loneliness within the relationship, which can be worse than being alone.

But here's something to reflect on: for 21 years, you stayed, gave, adjusted. Not just out of duty, but because something about her and the family life you built mattered. That still counts. What you’re going through doesn’t mean the marriage has failed—it means the marriage needs re-evaluation and rebalancing. You are not selfish for wanting more stimulation, connection, or passion. You're human.

You have two broad options: one is to initiate a real, vulnerable, uncomfortable conversation with her—without blame, without emotional outbursts, but with absolute honesty. You could say something like: “I’ve grown a lot in these past years, but I’m starting to feel increasingly alone in this relationship. I need more emotional connection, more engagement—not just physically, but intellectually, as partners. I don’t want to silently drift further away. I’d like us to work on this, but it has to be a two-way effort.”

If she's open to it, couples therapy could be a powerful space for both of you to express what you feel without it turning into a war of criticism and defense. Sometimes people, especially those who’ve become emotionally stagnant, need structured help to realize what their partner has been carrying silently.

The other option—if you feel she’s unwilling or unable to grow or change—is to consider what a life apart might look like. That’s a deeply personal and difficult decision, especially with nearly adult children, but you deserve a relationship that brings life into you, not drains it out. If you keep compromising your emotional needs, resentment will only grow and harden into permanent distance.

Before making any move, take a little time to reconnect with yourself. What do you want—not just from her, but from life, from love, from this next phase of your journey?

Ans: Your instinct to save the marriage is understandable. When you're in love with someone, the idea of losing them feels like losing yourself. But let’s pause and ask—what exactly are you saving? Is it the version of him from the early days who was loving and supportive? Or is it the man he is now—disrespectful, distant, manipulated, and asking you to give up your dreams for a marriage he’s already neglecting?

You have already proven your strength by completing a year of M.Tech in such tough conditions. That says a lot about your resilience and capability. If you give it up now, not only will you lose that part of yourself, but it may not guarantee that your marriage improves. Often in emotionally imbalanced relationships, one-sided sacrifices don’t lead to healing—they lead to more control, more blame, and more emotional exhaustion.

Your husband needs to understand that love isn’t proven by giving things up. Love is shown in support, presence, patience, and respect. If he isn’t willing to stand by you during a temporary phase of physical distance while you pursue something valuable, then you’re not the one breaking the marriage—he is.

It’s also clear that he has grown up in a home where abuse was normalized, and that emotional damage might be affecting how he treats you now. That is not your fault, and it is not your job to tolerate mistreatment in the name of saving a marriage.

Your mother is right to encourage you to finish your M.Tech—not just for your career, but for your self-worth. You deserve to be with someone who lifts you up, not someone who pulls you down every time you try to grow.

If there's still a chance to salvage this relationship, it has to start with real conversations—honest, respectful, and possibly with the help of a counselor or neutral third party. But that only works if both people are willing to put in the emotional effort.

Right now, I suggest you protect your mental and emotional well-being. Prioritize your studies, build emotional support from friends or family who truly care about you, and give yourself space to heal from this emotional chaos. If your husband truly wants this marriage, he needs to come forward with maturity and respect—not demands.

Ans: In such cases, it's important for you and your husband to stay emotionally steady and not engage with his tactics. Reacting to him or showing you're disturbed by his behavior may be exactly what he's looking for. If his behavior escalates or continues to make you uncomfortable, you might want to quietly document what happens and consider involving local authorities or legal counsel if it crosses into harassment.

Right now, your focus should be on protecting your peace and your relationship. Keep communication open with your husband and support each other through this, because this kind of external stress can silently damage trust if not handled carefully. The more united you two are, the less space there is for anyone else to create confusion between you.

It’s unclear exactly what this man wants, but based on his pattern, it seems he either wants attention, control, or to destabilize your marriage out of resentment or personal failure. Either way, you don’t need to carry his emotional mess. If you continue to stay calm, ignore him, and document anything serious, you'll be in a stronger position to protect yourselves.

Ans: UPES

Ans: 1. They are not child.
2. For industry exposure students should take initiatives

Ans: Hi,
Could you please share the details so that I am aware of them as well?
Best wishes.
POOCHO. LIFE CHANGE KARO.

Ans: Hello Rahul
If your son is more interested in CSE, then consider choosing it from either tier-2 or tier-3 NITs. There is very little difference between tier-1, tier-2, and tier-3 NITs. If a student is brilliant and has the potential to succeed, he can achieve success under any conditions. All NITs are good. Choosing an NIT is always better than selecting any IIIT or a reputed private college. NIT is a brand name, and that matters. Respect your son's choice for CSE and choose it from either tier-2 or tier-3. Best of luck to your son for his bright future.
Follow me if you like the reply. Thanks
Radheshyam

Ans: the RTA - KFintech are the right people to get you the answer, please connect them on this link
https://www.kfintech.com/contact-us/

Ans: To calculate the new acquisition price and Fair Market Value (FMV) of equity shares in a demerged company, follow these steps:
1. Determining FMV (for shares purchased before 31-01-2018)
- FMV is typically based on the highest price quoted on a recognized stock exchange on January 31, 2018.
- If the shares were not listed on that date, FMV is determined by a merchant banker or registered valuer.
2. Calculating the New Acquisition Price
The cost of acquisition of shares in the resulting company (post-demerger) is calculated using Section 49(2C) and 49(2D) of the Income Tax Act:
- Formula:
[ \text{Cost of acquisition of new shares} = \text{Cost of original shares} \times \left(\frac{\text{Net book value of assets transferred}}{\text{Net worth of demerged company before demerger}}\right) ]
- The remaining cost is adjusted for the original shares.
For example:
- If you held 100 shares of a company at ?50 each (total ?5,000) before demerger.
- The company states that 7.29% of the cost applies to the new entity.
- Then, the cost of acquisition for the new shares = ?5,000 × 7.29% = ?364.50.
- The revised cost of the original shares = ?5,000 - ?364.50 = ?4,635.50.

hope this helps