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Anu Krishna  |1321 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 17, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
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!

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Tax Expert - Answered on Nov 23, 2024

Asked by Anonymous - May 11, 2024Hindi
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Can you please suggest on capital gains as per Indian taxation laws arising in the below two queries : 1) property purchased with joint ownership, me and my wife’s name in 2015 at a cost of 64,80,000, housing improvements done for the cost of 1000000 and brokerages of 200000 paid and sold the same property at 10000000 in Dec 2023? 2) 87% of the proceeds got from the deal i.e 8700000, have been reinvested to pay 25% amount in purchasing another joint ownership property in Dec 2023, 3) I have invested in another under construction property in Nov 2023 by taking housing loan, which is on me and my wife’s name worth 1.4 cr, here the primary applicant is me only while wife is just made a Co applicant in the builder buyer agreement and also on the housing loan . So what are the LTCG tax liabilities arising from the above 3 scenarios for FY 2023-2024 and FY 2024-2025. I intend to sale off the property acquired in (2) by Dec 2024 and use that proceeds to close the housing loan for the property acquired in (3), will this sale of property be inviting any tax liabilities if the complete proceeds received from the sale of the property in (2) would be utilised to close the housing loan taken in Nov 2023 for the property in (3) ? Since in FY 23-24, I would be claiming the LTCG from the sale proceeds of 1) invested in the purchase of property in 2), and I intend to sale off this property in Dec 2024, will the LTCG claim be forfeited on the property sale in (1), should I hold this property at least for further 1 year so that sale of this property in 2) will not invite STCG?
Ans: (A). Let's first talk about F/Y 2023-24 :
You jointly sold a Property during the year for Rs.76.80 lakhs (64.80+10.00+2.00), & sold the same for Rs.100.00 lakhs.
You have jointly also purchased Property No.3 (I suppose it is Residential only), for Rs.140.00 lakhs.
You should avail exemption u/s-54 & file your ITR accordingly. Please disclose all details about sale & purchase in your ITR.
02. Now coming to the F/Y 2024-25 :
You intend to Sell Property No.2, which was acquired in 2023-24. Any Gain on Sale of it would be Short Term capital Gains & taxed accordingly.
Alternatively, you may hold this sale of property no.2 (for 2 years from its purchase) & avoid STCG
You are free to utilize the sale proceeds in a way you like, including paying off your housing Loan.
Please note to avail exemption u/s 54 only from investment in property no.3 & not 2.
Most welcome for any further clarifications. Thanks.

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