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Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2023

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
Shammi Question by Shammi on Sep 07, 2023Hindi
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Relationship

Hi My ex wife lives with me under live in relationship for last 7 years. But since last 8 months she refuse physical relationship. I do not understand what is her problem - mental or physical . At the time of our mutual divorce I pleaded with her to not to go for divorce but she did not listen. At that time I said to her that I will not take back again you in my life but for my son I agreed to take back at my home. His lover cheated with her and after one year of our divorce he left her. Now what I should do . Should I remarry with her . I need your suggestion

Ans: Here are some steps to consider:

Communication: It's crucial to have an open and honest conversation with your ex-wife about your concerns and feelings. Ask her about her reasons for refusing physical intimacy and if there are any underlying issues, whether mental or physical, that she is dealing with. Encourage her to share her perspective as well.

Seek Professional Help: If your ex-wife's refusal of physical intimacy is causing distress in your relationship, consider seeking the assistance of a relationship counselor or therapist. A professional can help both of you explore your feelings, communicate better, and work through any issues that may be affecting your relationship.

Consider Your Son: Since you mentioned that you agreed to have your ex-wife live with you primarily for the sake of your son, it's important to prioritize his well-being. Evaluate how your current living arrangement and relationship dynamics are affecting him. A stable and harmonious environment is typically beneficial for children.

Personal Happiness: Reflect on your own feelings and happiness. Are you content with the current living arrangement, even without physical intimacy, or do you desire a deeper romantic relationship? It's important to consider your own needs and happiness in this situation.

Legal and Financial Matters: If you decide to remarry or make significant changes to your living arrangement, consider consulting with a legal professional to understand any potential legal and financial implications.

Time and Patience: Relationships can be complex, and it may take time to resolve issues and understand each other's perspectives. Patience and understanding can be valuable during such times.

Ultimately, the decision to remarry or continue your current arrangement is a personal one that should be based on what you believe is best for you, your ex-wife, and your son. It may be beneficial to seek the guidance of a professional therapist or counselor to help navigate these complex emotions and decisions.

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Anu

Anu Krishna  |1595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 09, 2023

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Relationship
Hi , I m 44 yr old working professional. We live married life like just for responsibility. We stay separated side by side flat. We never stays together in 7 yrs or have social life. I stayed because of son. Now she diagnosed with cancer. But we have joint property now she taken another with her sister nd mother. I feel single even with marital status. Now it is not possible to be in relationship with her than son responsibility. Should I explore with outside marriage. She is not even giving divorced nd wanted just on paper
Ans: Dear Avinash,
If the two of you have come to a conclusion that there is no way that the marriage can be rebuilt, what's the point in staying together? It's better that your son sees two happy parents living separately rather than two unhappy parents living together.
What exactly do you mean when you ask: 'Explore with outside marriage?' Do you mean that explore a relationship while you are still married?
That is a personal choice that you must make as usually these concepts are almost always linked with values and morals. So, you need to ask yourself if you ready to explore outside of marriage and also deal with the emotions and situations that might arise from them?
First things first; (my suggestion)...Check where your marriage is and what you can do together to save it or let it go before complicating it with another relationship. You might just bite more than you can chew with a dual situation. Tread carefully and wisely to keep your mind sane and at peace.

All the best!

..Read more

Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Apr 16, 2024

Asked by Anonymous - Apr 15, 2024Hindi
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Relationship
Hello sir I am 37 years old male and married since 5 years and we had little girl of 4 years old. I need some advice for my relationship. We had problems in our relationship since the beginning of our engagement, as initially I was unaware of my wife's extra marital affairs when I come to know about it she told why she started to see other boy during engagement period also after our marriage as I wasn't upto her expectations, that was the time of 2019 . We had discussed about all each others expectations and solved the problem I tried to regain the confidence in our relationship but still somewhere we had fights every 5 to 6 months on different issues sometimes it's my parents sometimes it's me I dont give her time sometimes financially , in between she left my house and went to her father's home for 8 months after delivery of our baby girl, she told we are not made for each other I told her and explained all about consequences and convinced her to get her back. After that for again after 6 months we started fight with each other on different issues. But recently we fight and she lost control and slapped me and unfortunately in the vague of my anger I also slapped her and she again left me and went to her father house . It's been 1 month now we don't have contact each other because every time I only asked her for compromises and explain and convincing her to come back. This time I don't know what to do.thanks
Ans: Marriage counselling. Enlist at the earliest and see if you can fix matters, but you have to tackle one issue at a time. The infidelity, the inlaws, the lack of compatibility…there’s too many issues here.

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Dr Upneet

Dr Upneet Kaur  |36 Answers  |Ask -

Marriage counsellor - Answered on Apr 16, 2025

Asked by Anonymous - Jan 05, 2025Hindi
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Relationship
hi iam 53 yhears old got married around 18 yearsw back to my wife she is no 39 years old good evening i got married and i have three kids elder is 18 years younger is 16 years and i have daughter of 10years old since my marriage there was always clash between me and my wife for small silly reasons it was going on but since 3 years the clash become very rash and she even gave complaint on me to lady police station she threated me and every night i come late that time i am taking drinks she started to quarrel even not allows me to have food she drive me wild and in my unconsious mind i oftenly i use to abuse her with bad words even my neighbours many time they came to resolve the problem now she is asking property which i have gained from my parents. and since one year she is treating me like stray dog and never allowes me to have sex routenly she sleep like a dead in my bed. she left my house taking my all kids since last 6 months i forced to live alone now by some how i manage to bring her to my house along with kids but she refused having sex with me and she neverhad sex with me since 7 months i have becom patient of depression i dont know what to do please help me in this regard thank you
Ans: Hello sir. I have read your message and I would first like to express my opinion that a partner is not always for sex. There are many other ways to take care of your partner. You could take your wife out for dinner, go out on a picnic, go with with her to her parents' house. But when we dont do all these things and just want sex from partner. That doesn't work. At this age she might be going through some hormonal changes also. I suggest you to start behaving nicely with your wife and start taking care of her. Slowly the things will improve between you too.
Take care !
Regards
Dr Upneet kaur
Reach me : https://www.instagram.com/dr_upneet

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Ramalingam

Ramalingam Kalirajan  |8324 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2025

Asked by Anonymous - May 07, 2025
Money
Sir, I wqnted your advise, regarding an investment. My building is going for re-development, there is a additional flat sale for about 1cr, which will be ready in about 3 years. Please can you advise is it worth to invest 1cr in additional flat, i have savings of about 1cr, or should i keep the 1cr as Fixed Deposit. I do not have knowledge about investment in mutual funds or SIP. Thanks to advise.
Ans: It's commendable that you're considering the best investment route for your Rs. 1 crore savings. Let's evaluate the options you've mentioned and explore a comprehensive approach to wealth creation.

Understanding Your Investment Options
1. Investing in the Additional Flat

Illiquidity Concerns: Real estate investments are typically illiquid. Selling a property can take time and may not fetch the expected price.

Maintenance and Other Costs: Owning an additional flat comes with recurring expenses like maintenance charges, property taxes, and potential renovation costs.

Market Volatility: Property prices can fluctuate based on various factors, including economic conditions and government policies.

Rental Income Uncertainty: If you're considering renting out the flat, rental yields in many Indian cities are relatively low compared to the property's value.

2. Keeping the Amount in Fixed Deposits (FDs)

Low Returns: FDs offer fixed returns, but these may not outpace inflation, leading to a decrease in real purchasing power over time.

Tax Implications: Interest earned from FDs is taxable as per your income slab, which can further reduce the net returns.

Lack of Flexibility: Premature withdrawal from FDs can attract penalties, limiting liquidity.

Exploring Mutual Funds as an Alternative
Given that you're new to mutual funds and SIPs, it's essential to understand their potential benefits:

Professional Management: Mutual funds are managed by experienced fund managers who make investment decisions based on thorough research.

Diversification: By investing in a mutual fund, your money is spread across various assets, reducing risk.

Liquidity: Most mutual funds offer high liquidity, allowing you to redeem your investment when needed.

Potential for Higher Returns: Historically, mutual funds, especially equity-oriented ones, have offered higher returns over the long term compared to traditional instruments like FDs.

Tax Efficiency: Mutual funds can be more tax-efficient, especially with the benefits available under certain sections of the Income Tax Act.

Recommended Approach
Considering your current situation and the pros and cons of each investment option:

Avoid Investing in the Additional Flat: Given the illiquidity, associated costs, and potential market volatility, investing in another property may not be the most efficient use of your funds.

Limit Exposure to FDs: While FDs offer safety, the returns may not be sufficient to meet long-term financial goals, especially after accounting for inflation and taxes.

Consider Mutual Funds for Wealth Creation:

Start with a Lump Sum Investment: Allocate a portion of your Rs. 1 crore savings into mutual funds, focusing on a mix of equity and debt funds based on your risk appetite.

Initiate SIPs: Set up Systematic Investment Plans to invest a fixed amount regularly, benefiting from rupee cost averaging and disciplined investing.

Consult a Certified Financial Planner: Given your unfamiliarity with mutual funds, seeking guidance from a certified professional can help tailor an investment strategy aligned with your financial goals.

Final Insights
Your initiative to seek advice before making a significant investment decision is commendable. By steering clear of additional real estate investments and limiting exposure to low-yield instruments like FDs, you can explore avenues like mutual funds that offer the potential for higher returns and greater flexibility. Engaging with a certified financial planner can further ensure that your investment strategy is well-aligned with your long-term financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...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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