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Nidhi

Nidhi Gupta  |187 Answers  |Ask -

Physiotherapist - Answered on Dec 04, 2023

Nidhi Bajaj Gupta has 20 years of experience as a physiotherapist.
She founded the Merahki Holistic Wellness Company in 2011 and is the co-founder of Miraaya Holistic Growth Centre.
She has a bachelor's degree in physiotherapy from Sancheti Institute for Orthopaedics and Rehabilitation, Pune, and certifications in myofascial release, dry needling and craniosacral therapy from New York, San Francisco and Singapore.
She combines both Eastern and Western ways of healing. ... more
Asked by Anonymous - Nov 16, 2023Hindi
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Hello Doctor, My Wife is 42 years old, and past 2 year ago, she had to remove the Uterus due to excessive bleeding, now post that she has become very much weak, her body is also reducing, she get tired frequently and has a mood change, depression, frustration. I asked many ladies about this, and they told me that it is a regular thing and nothing to worry about, but I am very much concerned about this, please advise if is this normal after surgery or required to check with the specialist.

Ans: Hello Anoymous,
Yes many ladies do undergo weakness and mood changes post uterus removal. However it should not last for so long. It will be very good for her to take help from someone who does natural holistic wellness therapies or you can take her to a good naturopath or ayurvedic doctor.
Certain nutrition guidelines, some yoga like pranayamas and some meditation techniques should really start helping her have a better hormonal balance as well as emotional equilibrium. I feel it is very important for her to start lifestyle changes asap under a proper guidance. It will help her to become even healthier than earlier. Also please do check on her vitamin D3, vitamin B12 levels and other hormone tests as guided by the specialist.
All the best!
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Relationships Expert, Mind Coach - Answered on Mar 17, 2023

Asked by Anonymous - Mar 15, 2023Hindi
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Hi Anu !! I am 53 year & my wife is 52 years. She underwent a surgery in 2021 for removal of a simple ovarian cyst and was back to normal routine after few months. However, we are not able to have sexual intercourse since then due to it being extremely painful for her. She has also lost all interest in sex & we try it occasionally only upon my insistence. Prior to her surgery, we had a rocking sex life but now it has come to an abrupt end & it feels very depressing at times, particularly for me. Life seems lack-lusture now. Is it normal or we need to have some medical or psychological intervention. My wife says we are now anyway too old to expect frequent sexual encounters as before. She had her menopause about 3 years back. Pls help, I am confused, just like teenagers are when they are at the doorsteps of adulthood.
Ans: Dear Anonymous,
Two things strike me as I read what you have shared.
1. The effects of the surgery and medications that are possibly not making intercourse a pleasure
2. The effects of menopause which she possibly is undergoing that can temporarily deter the body from being active for any form of sexual intimacy

So, isn't it fair to actually focus on her as she is dealing with two major challenges at this point in time? I do understand that as a man, the way the body works is not at the same pace as it is for a woman. That's how there is a mismatch during key phases of life; childbirth, menopause, illness...
For a woman, her body will cooperate for any form of intimacy only if she 'feels' it from within...with pain and physiological changes during menopause due to hormonal his and lows, it is a challenge.
Work together as a couple on this; understand what is going on with her and what she 'feels'

Address the 'feeling' part and you will get answers to what's going on with her mind and body. Is consulting an option? Yes, it is but after you have tried working together on this. Sometimes, it is good to rule out any medical issues that is causing her to still have pain or a fear due to that pain can be eliminated by working with a mental health professional. Also a Mind Expert, will be able to work on her beliefs on intimacy, sex etc after a certain age...
One can be sexually active as long as they wish to, but it need not be cut short due to health issues or belief issues. Be compassionate as you speak with her and I am sure, things will get better...

All the best!

..Read more

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Asked by Anonymous - Jan 17, 2025Hindi
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Then doctor asked her why she stopped and what I said, my wife said that he is asking for female staff and doctor said “I am a doctor and I am not having female staff and there is nothing male and female in doctor’s consultation” my wife got convinced and told me that we are continuing with this doctor and I also shaked my head as consent sign but not aware with the upcoming surprise and then she open her upper body part and doctor did the check up by pressing or whatever doctor does. And I was not ready for this So, I am still in trauma due to this, but I don’t want her to show her body to any male doctor. That picture comes again and again in my eyes. I don’t want to break my relation with wife, because we married 20 years before and we have 2 daughter and I love her too much. But she has disobeyed me and obeyed that doctor. I am in a trauma. What should I do to come out of this trauma. Please let me know.
Ans: To address your trauma, start by having an open and honest conversation with your wife about your feelings. Express your emotions calmly, without blame, so she can understand the depth of your discomfort and help you work through it. It's also crucial to recognize that trust and mutual respect are fundamental in any relationship. Your wife’s decision was likely driven by her need for medical care, not a desire to hurt or disobey you.

Consider seeking professional help for yourself. A therapist or counselor can provide a safe space for you to explore these feelings, work through the trauma, and develop strategies to cope with intrusive thoughts. They can also help you understand the importance of medical privacy and the necessity of certain procedures, which may ease your discomfort over time.

Additionally, you might want to explore couples counseling. This can help both of you navigate this situation together, rebuild trust, and strengthen your relationship. Remember, your goal is to maintain a loving and supportive partnership, and professional guidance can be instrumental in achieving that.

Your love for your wife and your desire to keep the relationship strong is evident. By addressing these feelings head-on and seeking support, you can move towards healing and maintaining the bond you cherish.

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Ramalingam

Ramalingam Kalirajan  |7548 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 17, 2025

Asked by Anonymous - Jan 17, 2025Hindi
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I'm 35 years old. I want to invest INR 65000 for retirement at 50 years old. My current expenses 65000 per month. Please guide me.
Ans: Retiring at 50 with your current lifestyle requires a carefully crafted investment strategy. Here’s a detailed guide tailored to your goal.

Step 1: Define Retirement Corpus Requirement
Current Monthly Expenses: Rs. 65,000.
Inflation Adjustment: At 6% inflation, your expenses will increase significantly by 50.
Retirement Corpus: The corpus must sustain you for at least 30+ years post-retirement.
Lifestyle Goals: Include travel, medical emergencies, and aspirational expenses in calculations.
Step 2: Asset Allocation Strategy
A balanced mix of equity and debt instruments can help grow your wealth steadily while minimizing risks.

1. Equity Mutual Funds (70% Allocation)
Why Equity? High growth potential to beat inflation over the long term.
Recommended Categories: Flexi-cap, mid-cap, and large-cap funds.
SIP/Investable Amount: Invest Rs. 45,500 monthly in equity mutual funds.
2. Debt Instruments (30% Allocation)
Why Debt? Stability and regular income during volatile markets.
Recommended Options: PPF, short-term debt mutual funds, or NPS (Tier I).
SIP/Investable Amount: Allocate Rs. 19,500 monthly.
Step 3: Include Inflation Protection
Inflation reduces the value of money significantly over time.
Your retirement corpus should grow faster than the inflation rate.
Equity exposure helps overcome inflation impacts effectively.
Step 4: Ensure Tax Efficiency
1. Equity Mutual Funds
Tax Rules: Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.
Action Plan: Use annual redemption to manage gains below taxable limits.
2. PPF and NPS
Tax Benefits: Both offer tax-saving benefits under Section 80C.
Lock-in Period: Ensure alignment with your retirement timeline.
Step 5: Emergency Fund Creation
Build an emergency fund equivalent to 12 months’ expenses (Rs. 7.8 lakh).
Park it in liquid funds or a high-yield savings account for quick access.
Step 6: Health and Risk Coverage
Health Insurance: Ensure adequate coverage to avoid depleting investments during medical emergencies.
Life Insurance: Use a term plan to secure your dependents until you achieve your retirement goal.
Step 7: Regular Portfolio Reviews
Review your portfolio every six months.
Rebalance based on performance, changing goals, and market conditions.
Seek advice from a Certified Financial Planner for optimized asset allocation.
Step 8: Additional Recommendations
Avoid Real Estate: Illiquid and high transaction costs make it unsuitable for your timeline.
Avoid Direct Investments: Opt for regular plans via mutual fund distributors guided by a CFP.
Diversify Investments: Explore international mutual funds for added growth.
Step 9: Incremental Contributions
Increase your SIP amount annually by 10-15% to align with income growth.
This ensures your corpus grows significantly over time.
Finally
Achieving financial independence by 50 is ambitious but achievable. Consistency in investments, inflation-adjusted growth, and regular reviews are critical. Focus on disciplined execution of the outlined plan for a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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