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Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Nov 29, 2021

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Vaibhav Question by Vaibhav on Nov 29, 2021Hindi
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Relationship

I am 40 years old.
My wife is not interested in sex after the birth of our son nine years ago.
It is said that a couple should have sex two times a week. But we have sex like once a month or even after longer than that.
My wife is just not interested in sex nor does she allow me to touch her in that way.
She sometimes even shouts, like I have touched some other women.
Please guide.
Vaibhav

Ans:

There's no rule about couples having sex twice a week, Vaibhav. That said, you should be in sync when it comes to your sex life, whether it's once a month or once a day.

What is her reaction when you do have sex with her? Is it grudging permission? To get it over with, so you'll leave her alone?

You haven't given me enough information to go by here, but I will tell you this -- it's certainly unnatural for a wife to get so upset that she shouts at her husband when he makes a move!

You need to speak to her and get to the root of why she doesn't enjoy sex anymore and move toward remedying the situation.

A marriage counsellor may help, maybe have it be a lady so that she's more comfortable discussing this particular situation, it being of such an intimate nature.

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Anu

Anu Krishna  |1449 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2021

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Hi Anu,I am a regular rediff news reader.I went through some of you post and I felt I can surely request you to help me in my situation.We are married since February 2017. We had a pretty good life in terms of physical and emotional as well.In Dec 2018 we had a child but after that there is a change in my wife's sexual behaviour.She is willing to have sex; we do get involved as well also. We become passionate in kissing and all but unfortunately she doesn't get wet.It's very difficult for me to keep my focus and I lose my erection.Just want to ask you is this because of change in hormonal issue due to birth of child or is this something we need to seek a professional to help us.She is really loving, caring and even she is disappointed with this.We even had a conversation over this. I asked her if she is no more interested in sex or if she doesn't find (me) attractive. Her answer was 'nothing like that'. She is very happy with me as a husband.
Ans: Dear A, being a mother is a big blessing for a woman.

She transitions into a beautiful phase of her life. But with this comes the responsibility of caring for a new-born or in your case a toddle round the clock.

She hardly has the time to focus on being a wife with the constant feeding and changing of nappies.

Added to that is she’s working, then there’s additional office work besides also taking care of the household chores.

Also, a woman goes through a lot of changes in her body after the delivery and for a few women sex is off the cards for a while after that.

This could be because some women feel that their body is not what their husbands will love anymore and also her focus has shifted on to her baby who needs her love, care and support 24/7.

There is a bond between the mother and the child that at times can irk a few husbands who can translate that as feeling ignored and angry.

This is the time the new father can also spring into action and come together for his lady and his child.

Support your wife unconditionally and love her without any expectations in return

Offer to care for the baby so that she can take some time-off to rejuvenate herself

Encourage her to indulge in a hobby that she might have stopped because of the baby; this will help her be in a happy space

Compliment her and engage in a little off-the-bedroom intimacy like hugging, kissing and holding hands

Watch movies together and do a couple of things that bonded you as a couple before the baby arrived

Smile at her warmly and reassure her that no matter what nothing has changed and that she is still the woman that you loved and married

Does this work? Yes, it does…Love and reassurance can cause a lot of calmness in her and arouse her better in bed.

And if there’s something still amiss, then maybe you could talk to a gynecologist who can guide both of you on the next steps and rule out any medical challenges. All is well.

Simply be in Love. Wishing you and your family a beautiful life!

..Read more

Anu

Anu Krishna  |1449 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 2023

Asked by Anonymous - Apr 20, 2023Hindi
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I am 42 year old and married for 12 years. I have a 10 year old kid. We didnt have sex for past 2 years now as my wife has lost all interest in sex and never initiates it. Whenever I try she calls out to our kid and kills the mood. I spoke to her but she is not interested. It is frustrating me. I have option to look outside but dont want to complicate the matters . She does allow me to massage her but nothing more. What should I do?
Ans: Dear Anonymous,
There could be various reasons for your wife not wanting or initiating sex:
- She must be undergoing some hormonal changes
- She is tired caring for the home and child (work too if she is a working woman)
- She is bored of the routine sex that has been happening so far
- She resists because she feels you are eager to end the act and hurry
- She refuses as you are focused on sex as a destination whereas she likes foreplay
- She at times would like only cuddling and hugging which she fears will lead to sex

Open the channel of communication outside of the bedroom.
- Laugh a lot together
- Watch movies
- Cook together
- Set aside date nights (have a family member baby sit the child)
- Indulge in non-sexual touches which are intimate

These can spice up your sex life and if things are still the same, it will be good to check with her gynaecologist to rule out any hormonal imbalances that can lead to a disinterest in sex. Also, if she is tired all the time, get a blood work done to rule out any deficiencies that can again make her body not indulge in anything intimate. Stepping out of the marriage is an option as long as the focus is you. If you focus on her, you can be a great sense of support to her now and as always. It will help a great deal.

All the best!

..Read more

Kanchan

Kanchan Rai  |499 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 31, 2023

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Relationship
Mam, i am 46 years old, with two lovely daughters age 20 and 18 , for the last 2 years my wife has lost interest in sex, and she avoids it, we have no other issues , i am not able to understand what in her mind, tried to ask but to no avail, rest everything is fine at home, kindly advise
Ans: I understand that this can be a sensitive and challenging situation for you. Loss of interest in sex can be influenced by a variety of factors, and it's important to approach the issue with empathy and open communication. Here are some steps you can consider:

Open Communication: Try to have an open and non-confrontational conversation with your wife. Choose a time when you both can talk calmly and privately. Express your concerns and let her know that you want to understand what she's going through.
Listen Actively: Encourage her to share her feelings and thoughts. Listen without judgment and be empathetic to her perspective. Sometimes, there may be underlying emotional or psychological issues that need to be addressed.
Rule Out Medical Issues: Loss of interest in sex can be caused by medical factors such as hormonal changes, medication side effects, or health issues. Encourage her to see a healthcare professional to rule out any physical causes.
Consider Counseling: If the issue is more complex and related to emotional or psychological factors, you might want to suggest couples counseling or therapy. A trained therapist can help both of you explore the underlying issues and work on solutions.
Respect Boundaries: It's important to respect her boundaries and not pressure her into anything she's not comfortable with. Pressure can often exacerbate the issue.
Maintain Intimacy: While addressing the issue, it's important to maintain emotional intimacy and closeness in your relationship. This can involve non-sexual affection and activities that promote bonding.
Self-Care: Ensure that both you and your wife are taking care of your physical and emotional well-being. Reducing stress, eating healthily, and exercising can have a positive impact on overall well-being and can indirectly affect the sexual aspect of your relationship.
Seek Professional Help: If your wife is unwilling to discuss the issue or if it persists without a clear resolution, it may be helpful for both of you to seek the guidance of a qualified therapist or counselor individually.
Patience and Understanding: Understand that issues related to sexual desire and intimacy can be complex and may take time to resolve. Be patient with the process and with each other.
It's important to remember that every individual's desires and feelings can change over time, and open communication and understanding are key to addressing these changes in a relationship. Seek professional help if necessary, as a therapist can provide guidance and strategies tailored to your specific situation.

..Read more

Kanchan

Kanchan Rai  |499 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 08, 2024

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Ramalingam

Ramalingam Kalirajan  |7593 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 20, 2025Hindi
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Money
Hello sir, I am 35yo with 2 (4yo, 1yo) children. Can I retire now, with following corpus: mutual fund and stocks : 3.5 crore, lands: 50 lakh, PF&PPF: 80 lakh, FD: 25 lakh, SGB &Gold:50 lakh. Currently doesn't own any house. Monthly expense is around 1 lakh.
Ans: Your corpus and monthly expenses show a solid foundation. Retirement at 35, however, requires careful assessment. Let’s analyse your situation step by step.

Current Financial Assets and Allocations

Mutual Funds and Stocks: Rs 3.5 crore

This is a significant part of your corpus. Equity investments offer high growth potential.

Lands: Rs 50 lakh

Real estate investments are illiquid. Consider them only for long-term growth or inheritance.

PF and PPF: Rs 80 lakh

These provide stability and assured returns. These are good for meeting long-term goals.

Fixed Deposit: Rs 25 lakh

FDs are low-risk and ensure liquidity. This is beneficial for emergencies.

SGB and Gold: Rs 50 lakh

Gold is a strong hedge against inflation. It also offers diversification.

Monthly Expense Analysis

Your monthly expense of Rs 1 lakh equates to Rs 12 lakh annually.

Accounting for inflation, this expense will grow over time. Planning for this is crucial.

Core Observations

Your total corpus is Rs 5.55 crore. This is substantial for your age.

Inflation and rising expenses over time will impact your corpus.

Without a house, rent becomes a recurring expense. Factor this into your calculations.

You have no guaranteed income sources post-retirement.

Key Areas of Improvement

Housing

Consider buying a house if feasible. Owning a house ensures stability and reduces rent.

Do not invest excessively in real estate as it is illiquid.

Corpus Utilisation

Avoid over-reliance on equity investments for withdrawals. Equity is volatile in the short term.

Use a mix of debt and equity for regular withdrawals.

Children’s Education and Marriage

Both are major financial goals. Plan dedicated investments for these.

Use long-term instruments for education and marriage funds.

Emergency Fund

Maintain an emergency fund of at least 12 months of expenses.

Keep it in liquid funds or high-yield savings accounts.

Recommended Financial Strategies

Asset Allocation

Diversify your portfolio across equity, debt, and gold.

Maintain 60% equity, 30% debt, and 10% gold as a starting point. Adjust as needed.

Mutual Fund Investments

Continue with actively managed funds. These can outperform index funds in emerging markets like India.

Avoid direct funds if you lack time or expertise. Regular funds offer advisor support and insights.

Debt Investments

Increase debt allocation for stability. Consider high-quality debt mutual funds.

Ensure these align with your withdrawal needs.

Tax Planning

Monitor tax implications of mutual fund withdrawals.

LTCG from equity funds above Rs 1.25 lakh is taxed at 12.5%.

Plan withdrawals to minimise tax liabilities.

Insurance Needs

Ensure adequate health insurance for your family. Cover at least Rs 25 lakh for each member.

Check if you have term insurance. Secure Rs 2-3 crore coverage for your family’s financial safety.

Inflation and Lifestyle Adjustments

Inflation can erode your purchasing power. Plan investments to counter inflation.

Avoid lifestyle inflation. Stick to essential expenses wherever possible.

Income Generation Options

Systematic Withdrawal Plans (SWP)

Use SWP from mutual funds for regular income.

Choose hybrid funds for better stability and returns.

Rental Income

Invest part of your corpus in commercial properties.

Ensure this aligns with your liquidity needs and risk profile.

Freelance or Part-Time Work

Consider light work for additional income. It can extend your corpus.

Use your skills to generate flexible income streams.

Monitoring and Review

Review your portfolio annually. Adjust allocations as goals evolve.

Work with a Certified Financial Planner for periodic checks.

Final Insights

Retirement at 35 is ambitious but achievable with meticulous planning. Your current corpus is strong, but consider the following:

Plan for inflation, children’s needs, and healthcare costs.

Diversify investments and secure guaranteed income sources.

Avoid premature decisions. Evaluate thoroughly before retiring.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ravi

Ravi Mittal  |508 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 20, 2025

Asked by Anonymous - Jan 11, 2025Hindi
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Relationship
I am a 20 years old guy and in my past romantic relationships, have shown signs of emotional instability, too much dependency and lack of awareness of boundaries which affected my relationships badly...I hadn’t interacted with people in a long while since 2020 (precisely when lockdown had started) and feel that some aspects of my personality are not developed fully as they should be at this age. How to work on this? Also, i have noticed that I am able to create a good first impression but it soon pales and I feel like I am subtly disrespected or talked down to, and this has been happening in all interactions...i am always respectful (often to a fault!) and even have people pleasing tendencies...i sometimes ask immature weird questions and that might probably be the reason (but they’re never inappropriate)...but i do want to gain insights into why i am experiencing what i am and how to navigate this situation well so that I can maintain healthy relationships in future. Thanks you!
Ans: Dear Anonymous,
First of all, I want you to understand that it is no small feat to realize the quirks and imperfections in ourselves- you have done it. Your effort to understand and rectify them deserves to be acknowledged and appreciated.
Now, coming to your question, I can only give you some general advice on each-
Emotional instability and dependency- these behavioral patterns can stem from various factors; it can be a lack of confidence or some past issues that are left unresolved. It is difficult for me to tell you exactly why it is happening. It can also arise from a lack of validation. To manage it, you can focus on self-regulation- like meditation or journaling whenever you feel these emotions rising. This way you are expressing them but not damaging your relationships. Take up new hobbies or goals. Achieving milestones can build confidence.
Navigating Boundaries- You can speak to your partner in the early stage of the relationship to understand their boundaries. This way there will be clarity and you won't overstep. You can set up some boundaries too.
For better interpersonal skills, you can proactively follow some rules- like active listening, avoiding overthinking, asking open-ended questions, and resisting the urge to seek your partner's approval.
About the awkward questions- it is important to understand that you might perceive them as awkward, but the person opposite to you might think of it as a genuine curiosity. As long as it isn't intrusive or inappropriate, there are no awkward questions.
Like these, I can only offer you some general advice. But the best advice of them all would be to seek counseling. It has done wonders for people. And the first step, which is identifying the issues is already done. Bravo! What's wrong with taking a little professional help in navigating the next steps? They can guide you in a more structured manner.
Hope this helps.

...Read more

Kanchan

Kanchan Rai  |499 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

Asked by Anonymous - Jan 09, 2025Hindi
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Relationship
I’ve been in a relationship with a girl for the past 4 years, but due to various issues, things have become extremely complicated. Her father doesn’t approve of me, and my mother doesn’t like her either. Despite this, we’ve managed to stay together all these years. The problem is now escalating. My family is pressuring me to marry someone else, but I’m unable to leave her. At the same time, I feel I can’t marry her either because of her behavior and the ongoing issues with my family. I’ve tried to ask her to change certain things, but she hasn’t made any efforts in that direction. To make matters worse, her mother supports our relationship and trusts me, which makes it even harder for me to walk away. I don’t want her to marry someone else, but I also feel stuck because of my family’s expectations and the challenges in our relationship. Even If I leave her I don't know what she is going to do. What should I do in this situation to make the best decision for everyone involved?
Ans: it's crucial to reflect on what you truly want and need from a relationship. Ask yourself if this relationship brings you the happiness and fulfillment you seek, or if the challenges you face are too significant to overcome. It's important to differentiate between staying out of love and staying out of fear or obligation.

Talking to your partner openly is essential. Share your concerns honestly and listen to her perspective. If there are changes you've hoped for, express why they matter to you. At the same time, recognize that change is a two-way street—it requires effort and willingness from both sides. If she hasn't made efforts in the areas you've discussed, it may be worth considering whether this is a pattern that can be changed or a fundamental mismatch in expectations.

Your family's disapproval complicates things further, but it's important to remember that this is your life and relationship. While their opinions are significant, they shouldn't be the sole deciding factor in your happiness. Balancing respect for their wishes with your own needs is a delicate task, but ultimately, you need to make a decision that feels right for you.

If the relationship feels unsustainable despite your efforts, it may be time to consider a different path. It's understandable that you’re concerned about her well-being, especially given her mother's trust in you, but staying out of guilt or obligation can lead to further unhappiness for both of you. If you decide to part ways, doing so with kindness and honesty can help mitigate some of the hurt.

Ultimately, this decision is deeply personal. Weighing your feelings, the relationship dynamics, and your family's expectations will guide you toward a resolution that prioritizes your well-being and future happiness.

...Read more

Kanchan

Kanchan Rai  |499 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

Asked by Anonymous - Jan 09, 2025Hindi
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Relationship
My age is 41 years. I have two kids. Nurturing n looking after them n whole home single handedly. I am a visiting faculty in a institute . Earns very nominal earning. My husband hits me, taunts me and use very arrogant words to me like tumhe belt se maarunga n similar many worst words. His family has been always unsupportive to me . Now after 16 years of marriage, he still wants me to please his mother n other family. Which I completely avoid as they have never supported me and always boycotted me. His real brother is in politics and all family members including his cousins do follow him and boycotted me n husband. Now for everything my husband blames me and says if you gave pleased them, all might have good. But inspite of pleasing them a lot , they are like treating me like I am a stranger. I handle n manage everything still by the end of the day.... everything is in vain. Husband says...What you did for home? I will never ever give my money to you and so on. I am literally in trouble thoughts, what to do ? I even many times thought to end my life but my kids are the reason I continuously bears everything. Please suggest what shall I do.
Ans: it's important to acknowledge that no one deserves to be treated with such disrespect and abuse. Your feelings of isolation and frustration are valid. It can feel overwhelming when the people who should support you instead make you feel like an outsider.

In situations like this, it’s crucial to find support outside the immediate family. Reach out to trusted friends, family members, or support groups who can offer you emotional strength and practical advice. Consider speaking with a counselor or therapist who can help you navigate these complex emotions and provide strategies for dealing with the abuse and stress.

You’ve shown immense resilience, especially for your children. They need you to be strong, and seeking help is a vital step in preserving your mental and emotional well-being. Remember, prioritizing your health is not selfish; it’s necessary for you and your children’s future.

Also, explore any legal avenues or resources available for individuals in abusive relationships. Local support organizations, legal aid, or women’s shelters can provide advice and assistance if you decide that leaving the relationship is the best option for your safety and well-being.

You have already shown great courage by managing so much on your own. Continue to seek out support and know that you are not alone in this journey. There are people and resources willing to help you find a path to a healthier and more secure life.

...Read more

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