Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 15, 2024

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 - Apr 13, 2024Hindi
Listen
Relationship

In my marriage since the very inception my wife was and is still "sexually immature". I wonder if i am able to make you understand the situation. For the first nine years of marriage she simply resisted/avoided insertion, and finally after compelling her for counselling, etc. she gave in one day, so to say, which led to intercourse on a few occasions and she conceived. Almost 30 years down the line she was simply not interested in intercourse which has become extremely frustrating for me having a great libido. So i have become a man with a roving eye and perennially seek companionship/love/sex with the opposite sex. I wonder if i should feel guilty about it (however i don't feel guilty). As i am kind of personable and engage easily even at the ripe old age of 66, i continue to have a number of girl- friends (married/unmarried). In other words i flirt quite a bit, its become second nature to me. Girls in general take a liking to me too. Not that i am not friendly with my wife. We have a very loving relationship on a level which is not at all sexual. She keeps home very well and takes full care of me other than the sexual aspect. In other words sex is completely out of our relationship. You might not be seeing cases like this often. So i am always kind of sexually alive when i am out of the house. Now if you were to advise me to repair our relationship, take steps etc, i think we have kind of passed that stage primarily because she is peculiarly missing in the vital sex vibrations. I wonder if you understand me. I would like to have your views on all that i have explained. Shall be grateful to have some insights.

Ans: Dear Anonymous,
This isn't uncommon when sexual compatibility between couples is totally out of sync. Sometimes it's hard conditioning from childhood or some unpleasant experience or a medical reason that makes one not want sex at all.

When something is put of sync in a core relationship, you don't push the agenda that is actually causing discomfort but in fact deflect and shift focus onto things that actually help bond the two of you together.
When you look at what's not there, it's only going to look bigger and soon it consumes the mind completely and tricks you into believing that everything is wrong; which has possibly what has happened within your marriage. Agreed that your wife did not give sexual intimacy a lot of importance, but maybe something else might have been and is important to her. Maybe connecting at an emotional level, connecting through deep conversations, spending time together with activities...maybe these are something that help her connect better with you...

At whatever age, trying to fill a void through associations outside of marriage can only bring in momentary pleasure...what after that? Someone else and then again someone else...the cycle goes on and on with little inner joy to yourself.
If you feel that you have passed that stage (as mentioned by you) and also you seem to think it's only because your wife is not inclined towards sex, then this is how it will be!
If you wish for any change, then think different and ask yourself:
- what is it that I can do to actually gain her confidence in me?
- how do i shift focus from sexual intimacy to emotional intimacy?

If this is too hard to do, then your present ways of living might be the only way that you know and rely upon...But, there will never be the inner fulfillment that you are looking at. There's still hope; try and put things back in your marriage...you will thank yourself for it.

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2022

Listen
Relationship
Dear MamI am a 33 year old male working in a PSU at middle management level. Six years ago I was married happily as per my wish to a girl of my choice.Everything was just perfect. My wife is 4.5 years younger to me. I had to go against my parents wish as they were not comfortable with a non working wife. Mine was not a love story but yes I met girl through a common friend and went ahead for the alliance. Our sex life was also great in the start and we welcomed a baby girl just 2 months short of our first wedding anniversary. However now when I compare I do understand that because of household chores she could not give proper time to me, but still I feel a strong urge to have sex with her. She somehow does not reciprocate well and is dull in having sex. Apart from this we still fight over silly things and tolerance level of both of us have gone very down. Sometimes I feel to this extent that I should walk out from the marriage because I really don't want hot talks in our relationship. I agree I have a 5 year old baby girl. I do control my feelings and anger too to some extent. My wife also does the same but really small things trigger me on. Also I always have a huge sex drive and I feel that if I don't get it from my wife I should look out for other options. I have not cheated with her but I feel that given the option I can because of sex urge. May be this is due to higher libido and I do masturbate occasionally fantasizing my neighbour or other female friends and sometimes my wife too. I don't know what goes through me but seeing your column I felt I should tell you these small details so you could give me an honest answer. I don't want to leave her, I do love her a lot but these fights really make me lose my cool and feel depressed.What should be done according to you ? Should I see a psychiatrist?
Ans:

Dear AY,

I will ask you to introspect and ask yourself: When did things start going downhill?

What event led to this? Surely, things don’t happen all of sudden, so something or some thought must have led to this.

Also, it’s important to understand that managing home and a child is a full time job and it tires the woman a lot.

To be in a mood for sex, the woman needs to be relaxed and calm…if the work at home is tiring, try and hire a domestic helper or any extra help that will ease her.

That way she will have more time to care for herself and her needs as well. Offer to pitch in and this will also bring the two of you closer.

Your theory of your high libido which is not being matched by your wife may or may not be true as sometimes that solution is simpler than you think.

Sadly, we are used to complicating things and look at what’s obvious in front of us.

Sex outside of marriage seems to be an option that has crossed your mind, but I do understand from your letter that you care and love your wife a lot.

Let not a moment of weakness make you shake the foundation of a beautiful relationship that the two of you share.

Have an open chat with her. Express how you feel and speak of your sexual needs.

Most often, communication solves most marriage issues. If this doesn’t work, kindly seek professional help with a marriage therapist.

Ultimately, you know why the two of you are married and why you chose her to be your wife.

Bear that in mind and a lot of yours mind struggles will ease and you will be able to think more usefully and also move into a better marriage space.

Happy 2022 and here’s wishing you the best in life!

..Read more

Anu

Anu Krishna  |1494 Answers  |Ask -

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

Listen
Relationship
Hi, I am 42 and my wife is 36. Been married for close to 9 years. Had our first princess in 2015 & second princess in 2019. Before having the second one, my wife had a very good sex drive both mentally & physically. We were having intercourse for at least 3 times a week. But over a period of course 3 years into post our second child being born, my wife has lost interest. Sex has been like may be once in 30 to 45 days. I am not forcing her but rather trying my best to have those Intimate moments like hugging tightly, kissing her, do a little bit of smooching, try to touch and kiss on sensitive areas like belly, feet, ear......parallel I am taking time to appreciate how caring she has been in respect to taking care of the family, complimenting her how beautiful she looks inside and outside, how much she is glowing, sometimes I take efforts to cook for her giving time offs and also I look after the kids, press her legs etc. but nothing is working and this desperacy is killing me inside so much that sometimes I have been getting false & weird thoughts in my mind to have an affair or go to a call girl. Need your advise on this....
Ans: Dear Chandra,
I am glad that you are putting in all efforts in a non-sexual manner which is what most people miss out on.
But since it isn't working, I think it could be just caring for two young children. It can sap a woman's/primary caregiver's energy to a point that intimacy is the last think on her mind.
You children are at an age where they are dependent on parents and also are full on energy with high demands. This could be the reason as well.
I would also suggest that with growing demands from the children in terms of time and attention, what might be overlooked is your wife has some vitamin deficiency which can lead to lethargy, lack of interest and more. My suggestion would be to visit a doctor who will write down specific tests that may get to the root of the problem.
Till then, be the supportive husband that you have been AND a call girl is a momentary rush of adrenaline; so be wise...

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7837 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Listen
Money
Get me some clearity on HDFC BALANCED ADVANTAGE FUND as from last few days my portfolio is going in negative
Ans: Understanding Balanced Advantage Funds

Balanced Advantage Funds invest in both equity and debt. They adjust their investments based on market conditions. This flexibility helps manage risk and aim for steady returns.

Recent Performance Insights

It's natural to feel concerned when your portfolio shows negative returns. Remember, short-term declines are common in investments. Balanced Advantage Funds aim to reduce risk by adjusting their investments. This strategy helps manage market ups and downs.

Factors Influencing Performance

Several elements can affect your fund's performance:

Market Volatility: Changes in the market can impact returns.

Asset Allocation: The mix of equity and debt plays a role.

Interest Rate Changes: Fluctuations can influence debt investments.

Economic Indicators: Factors like inflation and GDP growth are important.

Evaluating Fund Performance

To assess your fund's performance:

Compare with Benchmarks: See how it measures up against standard indices.

Review Historical Returns: Look at past performance over different periods.

Consider Risk-Adjusted Returns: Evaluate returns in relation to the risk taken.

Staying the Course

It's commendable to stay focused on your long-term goals. Short-term market changes shouldn't deter your investment strategy. Maintaining discipline is key to achieving financial objectives.

Consulting a Certified Financial Planner

For personalized advice, consider consulting a Certified Financial Planner. They can provide guidance tailored to your financial situation.

Final Thoughts

Market fluctuations are a part of investing. Balanced Advantage Funds are designed to manage these ups and downs. Staying informed and patient can help you reach your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7837 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Listen
Money
Hello, my mother is 62 year old pensioner. She has invested funds in government securities and postal schemes. Despite submitting 15H form and filing ITR (as a senior citizen person), her tax is getting deducted. Can you kindly explain why this is happening?
Ans: There are a few possible reasons why TDS (Tax Deducted at Source) is being deducted from your mother's investments, despite submitting Form 15H and filing ITR.

1. Incorrect or Late Submission of Form 15H
Form 15H must be submitted at the start of the financial year to all institutions where she has investments.
If submitted after TDS is deducted, it won’t apply retrospectively to recover the deducted tax.
Ensure the form is submitted separately to each bank, post office, or financial institution.
2. Exceeding the Basic Exemption Limit
For senior citizens (60+ years), income up to Rs. 3 lakhs is tax-free.
If her total taxable income (pension + interest from investments) exceeds Rs. 3 lakhs, TDS will still apply.
Even if TDS is deducted, she can claim a refund while filing her ITR if her total tax liability is zero.
3. Form 15H Validity Rules
Form 15H is only valid if total taxable income is below the exemption limit.
If her total income is more than Rs. 3 lakhs, banks and post offices will ignore Form 15H and deduct TDS.
4. Different TDS Thresholds for Investments
Banks deduct TDS on FD interest if it exceeds Rs. 50,000 per year for senior citizens.
Post Office schemes (like SCSS) deduct TDS if interest crosses Rs. 50,000 per year.
Government securities may also have TDS rules based on the issuing authority.
5. PAN Not Updated with the Bank/Post Office
If PAN is not linked to the investment accounts, higher TDS at 20% is deducted.
Ensure all investments have PAN updated to avoid excess TDS.
6. Errors in Tax Deduction System
Sometimes, banks deduct TDS even if Form 15H is submitted correctly.
In such cases, she can file an ITR and claim a refund from the Income Tax Department.
What to Do Now?
Check total taxable income to confirm if she qualifies for Form 15H.
Verify all Form 15H submissions with banks and post offices.
Ensure PAN is updated in all financial institutions.
If TDS is wrongly deducted, file an ITR and claim a refund.
Would you like help with checking if she is eligible for a refund?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7837 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Ramalingam

Ramalingam Kalirajan  |7837 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Listen
Money
My son is a Singapore citizen. He has a flat in his name in Co-op. Hous. Soc. in Navi Mumbai purchased in 2005. He wants to sell it. Will you please suggest ways to repatriate the proceeds with least tax implications?
Ans: Selling property in India as a non-resident involves several steps. It's important to follow these steps to ensure compliance with Indian laws and to minimize tax liabilities. Here's a detailed guide to assist your son:

1. Understanding Capital Gains Tax

Long-Term Capital Gains (LTCG): Since the property was purchased in 2005 and is being sold now, it qualifies as a long-term asset. LTCG is taxed at 20% for non-resident Indians (NRIs).

Indexation Benefit: This benefit adjusts the purchase price for inflation, reducing taxable gains.

2. Tax Deducted at Source (TDS) Obligations

TDS Rate: The buyer must deduct TDS at 20% on LTCG for NRIs. Ensure the buyer complies with this requirement.

3. Repatriation of Sale Proceeds

NRO Account: Deposit the sale proceeds into a Non-Resident Ordinary (NRO) account.

Repatriation Limit: NRIs can repatriate up to USD 1 million per financial year from their NRO account, provided all taxes are paid.

4. Documentation for Repatriation

Tax Clearance: Obtain a certificate from a Chartered Accountant in Form 15CB.

Bank Procedures: Submit Form 15CA to the bank. These forms confirm that taxes have been paid.

5. Tax Exemptions to Reduce Liability

Section 54: Invest LTCG in another residential property in India within specified timelines to claim exemption.

Section 54EC: Invest in specified bonds within six months of sale to avail exemption. The maximum investment limit is Rs 50 lakhs.

6. Currency Exchange Considerations

Exchange Rate: The prevailing exchange rate at the time of repatriation will apply.

Bank Charges: Be aware of potential charges during the transfer process.

7. Professional Consultation

Certified Financial Planner: Consult a Certified Financial Planner to navigate the complexities of taxation and repatriation.

By following these steps, your son can efficiently manage the sale and repatriation process, ensuring compliance and minimizing tax liabilities.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

...Read more

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 24, 2025Hindi
Listen
Relationship
I have been married for more than 3 weeks. And I don't like my husband. I didn't like him before the marriage and it was very clear to my family tht I didn't like him. But my parents forced me to get married to him and it was my fault tht I couldn't prioritise my feelings. I considered what would happen to them if I called off the engagement. And after being married I have been more than depressed. My parents keeps telling what I should do. I don't let him touch me since I don't like him I asked him for some time and on the 2nd day he made a huge issue in my family telling them that I don't let him touch me. I started to resent him after this. Everyone around me keeps on telling Me that he will go abroad in 2 weeks so I should do whatever a wife does. it's been 3 weeks and continuous arguments. I'm so sad. I'm scared of what would happen if I leave this marriage. I can't stay in my own family because they would treat me so bad. I would have to stay alone. Thinking about the uncertain future and consequences am not able to do anything. Am stuck in this miserable situation.
Ans: Dear Anonymous,
For sure, it's difficult to be physically intimate with someone that you do not fancy and he is being silly in making this public. Rather than winning you over, he's making it a public issue to gain sympathy which his highly immature.
Now, I am going to give you an example that you may not like.
Eg: You have to live in Japan for 2 years and you do not like that cuisine. But eventually you realize that 2 years is a long time and then you actually start enjoying the food by looking at what's nice in it; healthy, light, good on the heart etc.

It's the same here. You may have gotten forced into the marriage. But it's just 3 weeks. Give it time...NO, you do not have to engage in any physical intimacy with him right away; but at least try to get to know him...maybe someday you might start to appreciate his good qualities, yeah? See, if this is possible in the short time that you have...it's just about having an open mind. Marriages are easy to break, think hard on this one.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x