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Anu

Anu Krishna  |1186 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2022

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
RJ Question by RJ on Jun 24, 2022Hindi
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Relationship

Hi Anu,
I m 32 yr old girl and been married in arrange marriage with a guy he is also 32 it's been one year.
He is very harsh to talk to and I get usually very hurt because of his words. I always feel like walking out of this marriage for peace.
He is very unromantic and ungrateful. On top of this our views on marriage, togetherness and sex are very different.
I never had sex with him till now. And I don't feel like having sex with him. There are many fights between us. The way his mother and father talk I feel stuck in my life.
There is no progress in career because constantly we are under tensions.
My past relationships were very nice and sweet so I always happened to compare him with my ex in my mind.
I don't know what happens to me. When he comes close to me I stop talking breaths.
We just cuddle each other and hug but other things like kiss and sex I don't feel to have. Please guide me as soon as possible.

Ans:

Dear RJ,

Is there any reason for not wanting to be sexually intimate?

Most often this is linked to some emotional distress or filters in the mind that you are unaware of and which could be interfering in the two of you coming closer together.

A good round of talks with your partner can help you express your exact feelings to him.

What is bothering you, what you feel you don’t receive from him, why is it that you are unable to reciprocate…these are a few things that you can discuss with him.

Also, spending quality time together can ease and spruce up things a bit.

Most often, we love throwing our feelings under the rug pretending that they will go away; but they don’t, they come back to haunt you at times that you least expect them to.

So, when you feel stuck, think of what you can do to get un-stuck? What are all things that you can think, feel and do to free yourself so that you not only feel good, but you also start to focus on things that matter; like for example your career.

Comparing one human to the another and expecting them to change and be someone else; could this be one of the reasons for you to not want the sexual intimacy?

Sex is one of the dimensions in a marriage and it can bring the couple closer.

So rather than thinking of what is going wrong, focus on how you can make things work and enable your partner to join this journey of bringing back finer and joyful moments in a marriage.

Be happy!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1186 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2022

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Relationship
Hey Anu ji I hope you are doing well.I am a 27-year-old woman, not married but engaged. I am a doctor by profession and we met through our parents. He is a pediatrician. I’m just MBBS. He is 33 and was damn good. Since the last few months there has been a sudden change in his behaviour and we have been fighting since then. We knew each other since a year and moved in together last October. I left my government job so that I could pursue my specialisation. I couldn't score a good rank due to which I couldn’t get admission. My parents are not rich enough for me to apply in a private college. He always abuses my parents saying they are not rich enough. He compares everything and has started talking to another specialist, a single woman. I am handling all house chores -- from laundry to cleaning, even emptying dustbin and making his cup of tea. He doesn't do anything except sleep, eat and work which is not so hectic because he is at a senior position.Is it right that we are having sex 2-3 times per day from so many months? Whenever I want to talk about something he asks for sex. If I say 'I need your attention and love' he gets grumpy and says 'you are always complaining.'Since this is my first relationship, I am comprising a lot. He didn't even remember our first anniversary or the day we met. In fact he stops talking to me since a month. He doesn’t pick up my calls or sees my messages. I have to call a third person to convey my message to at least pick up a call.Please help. I’m too stressed and even thought of committing suicide because I love him. But he doesn't love me from the last 3-4 months. I never get answers to my questions. He is like ‘I don't want to talk.’ He has become so egoistic and is behaving like a male chauvinist. I have to prepare for my exam too. Because of all this stress I have started having panic attacks and anxiety. I love him a lot but I can't stay in this relationship more. I can't bear the brunt. Only one-sided efforts are there from my side. He stopped making any efforts to reconcile or talk. I am an old school person. I lost my virginity to him but now I regret. Who will marry me knowing that I’m not a virgin anymore? Plzz help me
Ans:

Dear NK,

When a partner does not validate your feelings and uses sex as a means to deflect from the problem, it’s a red flag, right?

So, what exactly do you get by being with him? Love cannot be a means to sell your very existence no matter who that is.

Call out such behaviour. Compromises do not form part of any relationship, contrary to what’s told to us.

Mutual understanding and gentle acceptance and most importantly loving compassion is what any relationship is all about.

When those efforts of yours are not being met with love and instead it has been ignored, what else are you going to do?

Not being able to respect a partner’s family and instead insulting them to feel better or prove a point, how do you think it is going to be in the future?

Do you see these red flags or are you simply choosing to close your eyes and pretend that everything is fine?

Do the right thing, for yourself and your being and welfare. Be strong like the way that you always have been.

My best wishes to you!

..Read more

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 10, 2023

Asked by Anonymous - Feb 08, 2023Hindi
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Relationship
i had a love marriage 20 years back. we were in a relationship for 3years before that. but after marriage i realised the harsh reality. though we are in the same field, he prefers that i do all the househld work. we have two children 17 and 12 years old. he has also started neglecting his health. after work his only work is to sit on sofa , watch tv. he has gained a lot of weight, has started eating pan masala which i dislike. we also had no sex for the last four years. when confronted he always says that he is in no mood. last year i came in contact with his friend and once we had sex too. but the sad part is i dont really feel guilty about it. i have tried many times to talk to my husband about our sex life but he always ignores and put the blame on me that i have started growing old. however hard i try he is not able to have a erection, this frustrates me even more. he is very dominating at home too. what should i do ? everytime i try to think to move out of that marriage but am afraid of the society. since he is very caring in front of others. am worried about the kids too. please help what should i do? there is no use of talking to him, i have tried it many times. he is not ready to go to any councellor too.
Ans: It sounds like you are facing some serious challenges in your marriage and that you are feeling frustrated, unhappy, and trapped. It's important to remember that you are not alone and that many people find themselves in similar situations.

Here are some steps you can consider taking:

Seek support: Talk to a trusted friend or family member about your situation. Consider reaching out to a therapist or counselor who can provide you with support and guidance.

Take care of yourself: Make time for self-care and engage in activities that bring you joy and peace. This can help you manage stress and cope with the challenges you're facing.

Consider couples therapy: Even if your husband is not willing to attend therapy, consider seeking therapy for yourself. A therapist can help you understand your feelings and emotions and provide you with strategies for coping with the situation.

Be honest with yourself: It's important to be honest with yourself about your feelings and needs. If you are unhappy in your marriage and feel that it's unlikely to improve, it's okay to consider leaving the relationship.

Make a plan: If you decide that leaving the marriage is the best option, make a plan for how you will do so in a safe and practical manner. Consider the impact on your children and plan for their care and well-being.

Seek legal advice: If you decide to leave the marriage, consider seeking legal advice to understand your rights and responsibilities.

Remember, leaving a long-term relationship is a big decision and can be a difficult process. It's important to take the time to consider your options and seek support from trusted friends, family members, and professionals.

..Read more

Kanchan

Kanchan Rai  |365 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2024

Asked by Anonymous - Oct 04, 2024
Relationship
Hi...i am 28 year old...i got an arranged marriage 2 years ago while i am doing my postgraduation.I had to stay away for my studies and still i am staying away as this is my final year. I have no interest in this marriage and i feel no attraction towards my husband. To be honest, this marriage is a mistake as my parents rushed me into it and didnt listen to me when i said i needed some time with him. I dont even look at his face properly when i go home for vacation. I get scared to stay with him alone in a room, as he just makes sexual advances all the time and doesnt want to talk. Wat should i do ? I dont like him at all
Ans: In any relationship, especially a marriage, emotional connection and communication are just as important as physical intimacy. It's completely valid to feel uncomfortable if those aspects aren't being nurtured.

The first step would be to acknowledge your feelings as real and valid. It's important to honor what you're feeling, rather than trying to push those emotions aside. If you're not interested in the marriage and feel no attraction to him, it's okay to express that.

If you feel safe doing so, you might want to have a conversation with your husband about how you feel. It doesn’t have to be confrontational, but explaining that you need emotional connection and communication, not just physical intimacy, could open a path for more understanding. If you don’t feel comfortable doing that alone, consider seeking counseling, either individually or together, to help navigate this delicate situation.

Ultimately, your well-being, emotional comfort, and sense of security should be the top priority. If this marriage doesn’t feel right for you, it's okay to take steps to reevaluate what you want for your future. You deserve to be in a relationship where you feel respected, understood, and comfortable.

..Read more

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Milind

Milind Vadjikar  |351 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 07, 2024

Asked by Anonymous - Oct 07, 2024Hindi
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Money
Hi Sir, Im 29 male,earning 75k post deductions, Im having 1.6Y baby,Ive term insurance and corporate health insurance. Ive set my goals as below Daughter education anount-(50-60 Lakhs) Considering the current fee structure assuming it would be this much Note:Amount mentioned for her whole education carrer. House purchase: It a long term goal I wanted to purchase own house. Not sure how much cost it would be in Bangalore after 10y.Kindly suggest how much one should save for the same. Retirement goal: For Retirement I would like to have a corpus of 2CR. Considering the above goals How can I achieve,Im doing investments as below 14K SIP Started from this year At present invested around 73K Direct stock value:65K SSY: 2K per month Emergency fund: Holding 6 month expenditure Liquid Amount 1L And I have a personal loan which will be completed by APR 2025. This is my current financial condition. Please suggest how can I achieve my Goals as per the current financial plan.
Ans: Hello;

I hope your term life cover is adequate (1.35-1.8Cr).
Apart from corporate health insurance it is always better to have personal health care cover as a precaution.

Glad to note that you reckoned these as important aspects of financial planning and mentioned about it upfront.

Now I recommend you the following:
Kid's higher education: 1 Cr (50-60L is less)
Retirement Corpus: 2 Cr
House: 1.75 Cr (Approx cost of 2 bhk flat in decent locality of Bengaluru 10 years hence)

Investments to fund these goals:
1. Kid's education:
Two investments will work in parallel to reach the goal.
12.5 K per month in SSY
10 K SIP in a aggressive hybrid mutual fund. Both these investments will yield corpus of around 46 L and 54 L in 15 years from now.(8% and 13% returns assumed respectively). So 1 Cr target achievable.

House: 14 K monthly sip will grow into a corpus of 35 L(=20% down payment for house worth 1.75 Cr; Balance through home loan)

Retirement corpus:
Start a monthly sip of 5 K flexicap mutual fund which will give corpus of 2.21 Cr, after 30 years.

Retirement corpus estimated on relatively lower side so request you to top it up as and when possible. Ofcourse you may have EPF which may complement it.

Do not dabble into direct stocks unless you have the knowledge and temperament to trade.

If you still want to do it earmark a fixed amount as your risk capital which you wouldn't mind even if it becomes zero and use it to deal in stocks, but strictly based on self knowledge and/or guidance from an investment advisor. Not based on TV and social media tips!!

6 month emergency fund provision in liquid funds is a good strategy.

Happy Investing!!

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

...Read more

Milind

Milind Vadjikar  |351 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 07, 2024

Asked by Anonymous - Oct 05, 2024Hindi
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Money
I am 41 years old........ I am earning approximately 1.7 lakh per month...... My family liability is approximately 50000 per month.......i have a liability of 10 lakh home loan for which i am paying 12500 monthly EMI.......my investment include 40000 per month in PPF, 4200 in NPS and 3 lakh invested in mutual funds......I own a house worth 70 lakh and a plot of land worth 30 lakh.......please guide me for my forther planning as i will retire at age of 54 on 2037.
Ans: Hello;

If you are sure about not using the land plot in future then I suggest you sell it and invest the proceeds into mutual funds.

So land sell proceeds(30 L) + existing corpus of 3 L if stays invested in pure equity mutual funds for next 13 years, it will yield you a corpus of 1.62 Cr.

Also I recommend you to start a monthly sip of 50 K into pure equity fund for 13 years. At the end of 13 years it may yield you a corpus of around 2.04 Cr. (A modest return of 13% is assumed for all mutual fund investments)

NPS investment will not mature till you reach 60 so I am keeping it out of our working.

Your contribution of 40 K per month to EPF+PPF(PPF contribution cannot be more then 1.5 L per person per year) will grow into a corpus of 1.1 Cr after 13 years.(A modest return of 8% is assumed)

So your comprehensive corpus in 2037 will be 1.62+2.04+1.1= 4.76 Cr.

If you buy an immediate annuity from an insurance company for your corpus of 4.76 Cr, you may expect a monthly payout of 1.66 L(post tax) considering annuity rate of 6%.

If you don't want to sell the land parcel then I recommend you to start an sip of 60 K per month for 13 years. This may yield you a corpus of 2.45 Cr after 13 years.

3 L current MF corpus will grow to 0.1469 Cr after 13 years

So your comprehensive corpus now is 2.45+1.1+0.1469=~3.70 Cr

If you buy an immediate annuity from an insurance company for your corpus of 3.7 Cr then you may expect to receive a monthly payout of 1.3 L(post tax).

Further NPS will yield you a corpus of 25.5 L at the attainment of 60 years of age.(9% return considered; hoping you will continue to contribute after your retirement at 54 age)

I am sure you have adequate term life insurance and healthcare insurance for yourself and family.

You are ready to retire at 54 as planned.

Happy Investing!!

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

...Read more

Radheshyam

Radheshyam Zanwar  |968 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Oct 07, 2024

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Career
My son is doing his XII Standard in CBSE Curriculum with Maths,Physics, Chemistry and Biology as his group. He is yet to decide on what next after XII with his mind wavering between Astro Physics or Micro Biology with NEET in mind. Any guidance is welcome.
Ans: Hello Srinivasan.
I am glad to hear that your son is exploring diversified fields at this early stage. Astrophysics and Microbiology both are fascinating and rewarding paths, but they differ significantly in terms of the career options and the type of studies involved.
My suggestion for your son would be to focus only on the NEET examination at this stage. There is no need to divert the mind without any reason at this stage. After the NEET examination is over, you have ample time to discover more career options along with Astrophysics and Microbiology. The inclination toward career options of a student changes multiple times during the 11th and 12th. If he is brilliant, a hard worker, and dedicated to his studies, then set a goal of Min 650 marks in the NEET examination.
For Astrophysics: Focus on excelling in Physics and Maths in XII. He can apply to top institutions like IISc, IITs, or IISERs for B.Sc. programs.
For Microbiology: Prepare for NEET if he wants to take the medical path. Otherwise, he can explore a B.Sc. in Microbiology at a reputable university.

Best of luck for his future career and upcoming NEET examination.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

...Read more

Milind

Milind Vadjikar  |351 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 07, 2024

Asked by Anonymous - Oct 07, 2024Hindi
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Money
Now I'm 43 years old, but next 5 year's I need 3cr with best mutual funds to invest and son education, marriage and my retirement, currently I have housing loan commitment. 70lakhs, how should I close my loan ASAP and I should have 3cr in my hand. Kindly help me, I'm in scary situation, I'm working in private sector 95k my take home and current home loan emi is 63k, 4500 recently started investment through groww app in parakh Parikh small fund, 12500 in PPF etc, kindly help. I'm completely in debt trap.
Ans: Hello;

General Comments:
People always delay retirement planning for later stage but this is not ok.

Because when you are young the investible surplus amount maybe less but you have the biggest resource, time on your side.

A mere 25K monthly sip can achieve 3 Cr in 20+ years

Query Specific Comments:
If you need this corpus in 5 years then you need to make a monthly sip of 3.55 Lacs Minimum to reach 3 Cr corpus in 5 yrs.(modest return of 13% considered).

Focus on improving your earning because then you can earmark larger amounts for investing towards your goals.

Also try to prepay the home loan as early as possible through EPF corpus or some asset sale.

Do not panic if you diligently pre-close the home loan you have ample time to invest and create a comfortable corpus for your goals.

Continue investing in MFs with increasing allocation, PPF to reach your goals.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

...Read more

Milind

Milind Vadjikar  |351 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 07, 2024

Asked by Anonymous - Oct 07, 2024Hindi
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Money
I am 24 years old and earn a monthly salary of Rs.65,000. I am interested in investing some of my funds for future financial security and am also planning to marry in two years. As I have no prior knowledge of investment, I would greatly appreciate guidance on this matter.
Ans: Hello;

First and foremost buy a good term life cover including riders for critical care and accident benefit.

Ensure that you can top-up the sum assured later when you grow your responsibilities after marriage.

For retirement planning you should consider investing in NPS. If your office provides it well and good but otherwise also you can open NPS account and contribute regularly for financing your retirement. It's an E-E-E type of scheme. Charges are quite low and you can decide to select allocation to the asset classes like equity, corporate debt or sovereign bonds as per your risk tolerance. It allows limited withdrawal before 60.

If you decide to contribute to NPS per month an amount of 20 K, it will grow into a corpus of 6.51 Cr by the time you are 60 years of age.(A modest return of 9% is considered)

For all other goals such as marriage, house, kid's education, car, vacation you can use mutual funds as your mode of investments.

If you do a monthly sip of say 15 K into a pure equity mutual fund then at the end of 5 years you may expect to receive a corpus of 12.72 L considering moderate return of 13%.

Happy Investing!!

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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