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Kanchan

Kanchan Rai  |405 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 02, 2023

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Keshav Question by Keshav on Mar 30, 2023Hindi
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Hello Kanchan I'm 43 & my wife is 39. We have known each other for almost 25 yrs now (8 yrs before marriage and 17yrs of married life). We had our ups and downs in our relationship. But somehow we stayed together. We have a daughter who is 8. I've been working abroad for 4yrs and I used to come only once in a year to see my family. Now I'm back and doing a full time job. My wife works from home as a freelancer. I've observed that, after I returned, my wife has lost interest in me. She's also not interested at all in physical relationship. It is really very irritating as I am a romantic person. She simply says she doesn't feel like having intercourse. She does love me but what's the solution? How do I satisfy my feelings? She agrees to have intercourse so that I don't feel bad. But it is not satisfying! How do I tackle this situation?

Ans: Hello Keshav

It sounds like you're going through a tough time in your relationship. It's important to approach this situation with empathy and understanding towards your wife's perspective. It could be that she's going through her own challenges that are affecting her desire for physical intimacy. It could also be that the dynamic of your relationship has shifted with your return, and you both need to find a new balance.

The first step is to have an open and honest conversation with your wife about your feelings and concerns. Listen to her perspective and try to understand what might be causing her lack of interest in physical intimacy. It's important to approach this conversation without judgment or blame.

If there are underlying issues that need to be addressed, it might be helpful to seek the support of a couples therapist or counselor. They can help you both work through any challenges and find ways to improve your intimacy and connection.

In the meantime, it's important to focus on building emotional intimacy in your relationship. This can be done through spending quality time together, having meaningful conversations, and expressing appreciation and gratitude for each other. This may help to improve your physical intimacy over time.

Remember, every relationship has its ups and downs, but with effort and communication, you can work through challenges and strengthen your connection with your partner.

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Anu

Anu Krishna  |1312 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 12, 2020

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Relationship
I have problem with my wife from last 10 months, she is not interested in sex. Every time I told for that she denied me and reason that in winter she says chilling and in summer she told any other reason. Please give some solution to me what can I do?
Ans: Dear HS, Isn’t it time that you actually asked your wife what she wants rather than just focusing on what you want?

Since you haven’t mentioned her age, I may not be able to relate a particular phase of a woman’s life and sex in relation to that age. But broadly, I can say that for a woman to be in a mood to have sex/make love only when she is emotionally well and fit.

Maybe there is an underlying stress condition that must be looked into as this might make her lose interest in sex.

Also, certain hormonal changes with age can make women less responsive in bed. And sometimes a few medical conditions may also cause this challenge.

Whatever, it maybe, she is your partner and spouse. I would suggest that you first get down to a peaceful communication where the intent is not to drive your agenda of sex but instead being there for her and understanding her as well.

This will create a space of trust where she will be able to share her feelings and what she is going through.

Do get a basic blood work done where a few medical conditions can be ruled out as well.

And if it still persists, then it’s perhaps time to seek a professional out who can help put things into perspective by going deeper into what exactly is going on.

A strong emotional distress maybe the cause for this too.

Whatever it maybe, be with her through this entire journey. She will need a friend to fall back on for sure.

Happy bonding and all the best!

..Read more

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Ramalingam

Ramalingam Kalirajan  |7070 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 20, 2024

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Money
Sir, in how many years , I can turn 1crore to 20 crore.So that I can retire.Im investing about 1.35lakh as sip every month . Im 44 now . I have about 60 lakh iin different funds now, im hoping to reach a crore 2026.Thanks in advance.
Ans: To achieve a corpus of Rs 20 crore with your current financial inputs, let's break it down step by step:

Your Current Investments and SIP Plan
Current Investment: Rs 60 lakh (expected to grow to Rs 1 crore by 2026).
Monthly SIP Contribution: Rs 1.35 lakh.
Expected Rate of Return: 12% annually.
Timeframe to Reach Rs 20 Crore
With a starting corpus of Rs 1 crore (by 2026) and continuing a SIP of Rs 1.35 lakh monthly at 12%, it will take 23 years to grow to Rs 20 crore.
By the time you turn 67 years old, your desired retirement corpus can be achieved.


Key Assumptions
The 12% return assumption is realistic for equity-heavy portfolios. However, past performance is no guarantee for the future.
The SIP contributions should continue consistently without interruption for the given timeframe.
Inflation and changing lifestyle expenses are not considered here.

Points to Consider
Diversify Your Investments: Ensure your portfolio includes a mix of equity and debt. Adjust allocations as you approach retirement to reduce risk.

Monitor Progress Regularly: Periodically review your investments and returns. Rebalancing may be necessary to stay aligned with your goal.

Increase SIP Contributions Gradually: With rising income, consider increasing your SIPs by 5-10% annually to reduce the timeframe.

Emergency Fund and Insurance: Ensure you have a robust emergency fund and sufficient term insurance to secure your family.

High-Level Suggestion
We can fine-tune the investment strategy and assess the risks involved in detail.

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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