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Anu Krishna  |1303 Answers  |Ask -

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

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
vikas Question by vikas on Oct 04, 2023Hindi
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Relationship

HI..I Am married 10 years ago with 2 kids .My wife loves me a lot but she gets angry very soon on little issues. As she also losses interest in sex. But i love to do that 2-3 times in week. So i have to choose another way to satisfy myself.What should i do that she takes more interest and gets less angry ?

Ans: Dear Vikas,
Marriage can become a routine and a chore after a few years and when there are children involved, the couple have little or almost no time for each other. This can have a direct impact on emotions and very little sex drive.
Both of you must invest time in one another to reconnect outside of the bedroom first. This will inevitably help intimacy and rekindle that lost spark!

1. Do little things for one another; gifts and other surprises
2. Offer to take care of the children over weekends where she can get a break (if she is predominantly taking care of the children)
3. Have a family member (grandparents perhaps) take care of the children one weekend a month, so that two of you get time to getaway
4. Help one another rekindle lost hobbies and interests
5. Find an activity that you can do together; cooking, exercising, painting...

The key here is BOND and allow that spark to come back and well, the rest is history...

All the best!

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Anu Krishna  |1303 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!

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Anu Krishna  |1303 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 26, 2023

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Nayagam P

Nayagam P P  |3910 Answers  |Ask -

Career Counsellor - Answered on Nov 18, 2024

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Career
my son is 8 year old studying in Class 3 . The classes occus is in morning shift from 6.30 am to 1.30 PM . after comming from the scholl he tired and not able to study in night . plz suggest the Correct time table for the second shift school child so that we can manage his tiredness and keep improving him in balanced way.
Ans: Priya Madam,

You have not provided information regarding the number of hours your son sleeps.

(1) Given that your son is only 8 years old, it is important to ensure he gets a minimum of 8 hours of sleep at night and 2 hours in the afternoon. Sleeping hours can be reduced once he enters the 6th Standard.

(2) Ensure he receives a balanced diet and nutritious food to sustain his energy levels. (3) Encourage him to maintain regular water intake to prevent dehydration. (4) Facilitate opportunities for him to take regular breaks and engage in play. (5) A 3rd standard student can't study for extended periods. He should study for 25 to 30 minutes, followed by a 10 to 15-minute break after each 25-minute study session.

(6) I am providing this information for general awareness. Parents should refrain from physically assaulting their children to achieve compliance, as this can undermine their self-confidence. (7) They should engage in more polite and loving communication with the children. (8) Children frequently observe their parents and tend to emulate their actions. Ensure that the environment at home is tranquil. (9) Addiction to electronic gadgets may also result in fatigue. (10) Regarding the Study Planner, it has been previously stated that regardless of whether he studies in the morning or evening, he should engage in study sessions of 25 minutes followed by a 10-minute break after each session. He will not experience fatigue, and the output will be increased. Hope, this answer will help you, Madam.

All the BEST for Your Prosperous Son's Future.

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Ravi

Ravi Mittal  |420 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 18, 2024

Ramalingam

Ramalingam Kalirajan  |7047 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 18, 2024

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Money
Hello Sir, My question - Male, Age is 29, Salary of Rs. 22000/- p.m., my expenses 6-8k p.m. (Approx), Current Investments: Mutual Funds 2k monthly, 3k RD monthly for 3 Yrs, what is suitable Health/Life/Term Insurance? ROI option for same? or Other Investment options? I have my father who got his pension & he manages our household Expenses.
Ans: You are 29 years old, with a stable monthly salary of Rs 22,000 and low monthly expenses of Rs 6,000–8,000. Your father’s pension covers household needs, giving you flexibility for investments. Current savings of Rs 5,000 per month (Rs 2,000 in mutual funds and Rs 3,000 in a recurring deposit) is a good start.

Priorities and Recommendations
1. Health Insurance
Health insurance is crucial to safeguard against medical emergencies.

Coverage for Self: Opt for an individual health insurance policy with a sum insured of Rs 5–10 lakh. Look for plans offering cashless treatment, comprehensive coverage, and no claim bonus.

Coverage for Family: If you wish to extend coverage for your parents, consider a family floater plan with Rs 10–15 lakh coverage. However, check premiums and benefits before including senior members.

2. Life Insurance
Term Insurance: A term plan is the most cost-effective option. Choose coverage of Rs 50 lakh to Rs 1 crore to secure your family financially. Premiums for a non-smoker male at your age are low (approximately Rs 5,000–7,000 annually for Rs 1 crore coverage).

Avoid investment-linked insurance policies such as ULIPs or endowment plans, as they offer low returns and inadequate insurance coverage.

3. Building an Emergency Fund
Save at least 6–9 months of expenses in a highly liquid instrument like a savings account, short-term fixed deposit, or liquid mutual fund.
Given your expenses of Rs 6,000–8,000, aim for Rs 50,000–70,000 as an emergency fund.
4. Investment Strategy for Growth
You have significant surplus income after meeting expenses. Allocate it to high-growth investment instruments:

Increase Mutual Fund SIPs:

Increase SIPs to Rs 5,000–6,000 monthly.
Diversify across flexi-cap, mid-cap, and small-cap funds for long-term growth. Suggested categories include:
Flexi-Cap Fund: For diversification.
Mid-Cap Fund: For higher returns over a long horizon.
Small-Cap Fund: Allocate a smaller percentage (10–15%) for aggressive growth.
Recurring Deposit (RD):

RD is low-yield and taxed. Consider redirecting RD savings into mutual funds or a Public Provident Fund (PPF) for better long-term returns and tax benefits.
Public Provident Fund (PPF):

Invest in PPF for a secure, tax-free return (current rate: 7.1%). It’s an excellent long-term savings tool, especially for retirement.
5. Tax Planning
Leverage Section 80C: Maximise Rs 1.5 lakh yearly investment in tax-saving instruments like PPF, ELSS mutual funds, or 5-year tax-saving fixed deposits.

Opt for a health insurance policy to claim benefits under Section 80D (up to Rs 25,000 for self and Rs 50,000 for senior parents).

Suggested Allocation of Rs 10,000 Monthly Surplus
Mutual Funds: Rs 5,000
PPF: Rs 2,500
Emergency Fund: Rs 2,000 (till the fund reaches Rs 50,000–70,000, then redirect to other investments)
Health Insurance Premium: Rs 500–1,000
Final Insights
Prioritise health and term insurance immediately.
Focus on mutual funds and PPF for long-term wealth creation.
Avoid low-ROI options like recurring deposits once current tenure ends.
By maintaining discipline and increasing investment amounts annually, you can achieve financial independence while ensuring your family is protected.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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