What is difference between sum assured of a certain amount without top-up and same amount with a top-up? Kindly explain pros and cons.

Which is a better option - VIT chennai ECE or IIIT-DM Kanchipuram Design Engineering in terms of course relevancy and job opportunities

Hi, I am 58 Yr old Male with 29 yrs into arranged marriage. I have 2 daughters. I am being treated like a stranger in my own house. My wife does not give respect, no value, no love and affection care. Always negatives talking about me for everything. Not listen to any thing regarding family or personal matters. I am not earning much. I am doing my best doing business services. For everything I need basic amount to manage my business until it develops. There is no support for this from my family. Instead of supporting and motivating me, She is always negative about me. She knows I am not earning enough and unable to meet major transactions. She has come from a wealthy family were as I am not. She has helped in providing financial support many times. Now past 3-4 yrs, her behavior has changed. She taunts and blames me for she providing the financial support. Whatever she has provided is always used for family. she knows that. I am unable to focus on my business development. She's gives negative feedback about me to my daughters and they also behave same with me, Instead of supporting and motivating me. There is no intimacy or sex past 1 year. Hardly 1 once in a month earlier, after I force (make positive effort) her lovingly. I love her very much. But this is making me lose that love & affection on her. In our 29 yrs of marriage, she never initiated intimacy, love. Always I been doing it. She never shows interest in getting physical right from 1st day. She has not kissed me even once or hugged me voluntarily in these 29 yrs. I initiate everything. I am romantic. She is not. She gives one or the other reason and avoids. She avoids kissing. She never liked gifts i bought for her. I want her to wear different dresses, but she rejects. Though we sleep on same bed, she just sleeps off. When i go to her, either she pushes or says she has to wake up early sleep now. Even with so many days gap, when I initiate intimacy after 1-3 months, but she taunts saying I only want that from her. I have been hugging, kissing and showing love, affection care on her right from the 1st day of marriage. The same thing is missing from her. I have tried many times talking to her in polite way, trying to woo her, but of no use. I have approached many times we can have one on one talk and sort out any issues she has with me, but she avoids coming into talking terms. I have tried to talk saying lets understand whats going wrong. If I start generally talking, she starts arguing, negative talking and avoids the main discussion that forces me to shut my mouth. when we go out on a 2-3 day trip, she enjoys outing seeing places, food & sleep. Doesn't behave romantically, lovingly. It's just like same as at home. Even I know I am not earning much and trying best to do well. She always keep telling about her money and financial support and her parental house with arrogance & attitude. She has been good with her parental side, but not my side. I believe both husband and wife should take care of family together irrespective of who is more financially strong. Just because I am not earning well, this type of treatment I don't understand. If it was recent few yrs I can understand. But right from day one I have been facing this. Now I've stopped talking much and in silence going through loneliness.

Sir I am a Maharashtra board student.I had given my boards exam in feb 26 but I scored less than 75 percent.I am taking drop for jee 2027 so I will give improvement exam in feb 27.In Maharashtra board it is compulsory to give improvement in all subjects and after improvement exam we have to surrender old marksheet to board and will get new marksheet.Also the year mention on marksheet will be 2027.So my doubt is that does in Jossa counselling will it create problem due to absence of old marksheet and also in Jossa I have to fill passed 2026 but in marksheet the exam year will be 2027 so will there be issue of year matching.Please guide me.Will i have to mention passed 27 to solve the issue or not.

My daughter got seat btech csb in vnr and also eee in nit andrapradesh which one should i diecide

Sir should i choose MSRIT ECE or PES CS(specialization)?

my daughter has secured admission in CSE-AI at IGDTUW .Going by the reputation of the institute she withdrew from BITSAT,JOSAA, LNMIIT and MHT-CET counselings. But now after attending the college for few days, she has been completely put off by the real bad infra and attitude of teachers there.Only viable option left now for her is COMEDK, where she can get CSE in MSRIT.We are delhi based and budget is not a issue. Please suggest further course of action.

Sir should I opt for ise at msrit or cse/ece (interested in any of these branches). Will ise be a problem for masters abroad like Germany? And is there any reason why certain people asked me to avoid ise?

After 20 yrs IT experience(Software testing and audits) in global and local government organisations, I am in jobless situation with loan burdens.. what should i do? shuold i get some certifications or degree or wait and search industry jobs or get in teaching job?

Sir, options between kj somaiya vidhyavihar cs engineering or nmims MBA tech navi mumbai?