Dear Sir, Pls answer my question.. I am 45YO and my wife 40YO(home-maker) and only Son 3YO. Working in UAE. Considering the Job only 15 years are left for retirement. By the time I am 60YO, my son will 18YO. I am not able to save much due to lots of expenses. As life is unpredictable; Is it advisable to take term policy for both(me and my wife) of us Like 1Cr:1Cr for each or should I take 1.5Cr:50L or 2.0Cr:Nil? Really stucked in this...!

Ans: Please clarify which state's CET you are referring to. I assume you have wrongly typed out JEE as JW. Please clarify.

Ans: Dear Anonymous,
First of all, it's great that you are choosing to speak about it; it can't be easy to deal with so much all alone. Yes, being with someone else while married to another person is not ethically correct, but your situation is more nuanced than anyone can understand. Right now, the best course of action will be to sever ties with this person and focus on yourself. Being with someone else will not fill the void that your marriage is creating in your life. It will only leave you feeling more empty and guilty. I strongly suggest having an open discussion with your husband. Seek professional help of a marriage counselor. If the marriage seems salvageable, work on it, or else, get out of it respectfully, instead of cheating and hurting each other.

Please don't undervalue yourself so much that you allow yourself to be someone's "temporary." You deserve much more than that.

Best wishes.

Ans: Manas, the order of preference can be 1) IIIT Una ECE, 2) LNMIIT Jaipur ECE, 3) IIIT Dharwad ECE, 4) IIIT Bhubaneswar ETC/ECE. IIIT Una looks like the best balance because it has the national IIIT tag, better recent placement visibility, and official JoSAA/placement data shows strong ECE outcomes. IIIT Una reported an ECE average around ?9.90 LPA, and 83.33% placed in 2025. LNMIIT Jaipur is also a strong private option, especially if you want a better coding culture, a Jaipur location and a mature campus. Its official placement page shows healthy overall averages, but fees are higher, and the ECE-specific advantage over IIIT Una is not clear. IIIT Dharwad is improving and has high cutoff flexibility, but campus/placement maturity is still developing. Also consider IIIT Nagpur ECE, IIIT Kottayam ECE, IIIT Bhopal ECE, BIT Mesra ECE, and Thapar ECE as backups. All the BEST for Your Prosperous Future!

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Ans: She may get newer or lower-demand branches (Civil, Mechanical, Electrical, ECE) in later rounds at state GFTIs/private govt colleges like SGSITS Indore (lower branches), UIT RGPV Bhopal campuses, JEC Jabalpur, OIST/Oriental/Truba, etc., with the best chances in Mechanical/Civil/Electrical rather than CSE. But if your daughter is keenly interested only in tech branches, then choose a seat from the management quota in any good private college.

Good luck.
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Radheshyam

Ans: Chances with CSE/ECE/EE with top NITs are almost nil. But he has good chances of EE/ECE in lower NITs like NIT Manipur (home state advantage), NIT Agartala, NIT Nagaland, NIT Mizoram, plus CSE/ECE only in newer IIITs or GFTIs via CSAB/spot rounds.

Good luck.
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Radheshyam

Ans: You have a chance in OUTR/OEC-type Odisha government colleges and lower branches like Mechanical/Civil/Electrical; in VSSUT, but OUTR Bhubaneswar is the better and more likely option than VSSUT.

Good luck.
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Radheshyam

Ans: With a 96.654 percentile, your son's approximate CRL may be around 50,000–55,000, which looks competitive because NFSU also called many candidates beyond the top 100 merit numbers in its second counselling list. The programme has only 40 seats (may or may not increase) at Gandhinagar, so apply immediately and keep documents ready. It is advisable to have some backup options of the following: NFSU Delhi/Tripura/Dharwad/Guwahati campuses, IIITs through CSAB, DA-IICT, PDPU/PDEU, Nirma, Ahmedabad University, MIT-WPU, Manipal Jaipur, Thapar, SRM/VIT (North India Campuses). All the BEST for Your Son's Prosperous Future!

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Ans: Chances of CSE @ NITs/IIITs are almost nil. Try with state government colleges, private universities (like tier-2/3 engineering colleges), and a few GFTIs or low-demand branches (civil/biotech/EEE) if seats remain in CSAB.

Good luck.
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Radheshyam

Ans: Yes, JIIT Noida Sector 62 ECE is the better recommendation over Mechanical at Shiv Nadar Greater Noida, unless the student has a strong personal interest in core mechanical, robotics, design or manufacturing. JIIT’s official placement page shows strong overall placements, with a ?11.28 LPA average and a ?7.01 LPA median for the 2026 batch so far. JIIT also states that ECE students get opportunities in companies like Qualcomm, Microsoft, Amazon and STMicroelectronics. Shiv Nadar is academically strong and its mechanical curriculum includes automation, design and manufacturing, but mechanical placements are generally narrower than ECE/tech roles. The final choice can be JIIT ECE. All the BEST for Your Prosperous Future!

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