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Dr Upneet

Dr Upneet Kaur  |73 Answers  |Ask -

Marriage counsellor - Answered on Feb 28, 2025

Dr Upneet Kaur is a medical professional and therapist based out of Amritsar.
After completing her bachelor’s degree in Ayurvedic medicine and surgery from the SKSS Ayurvedic College and Hospital, Sarabha, Punjab, in 2008, she worked as a medical officer at various multi-specialty hospitals in Punjab, handling both physical and mental patient care and clinical decision-making. She spent the next decade leading multidisciplinary teams at various levels.
Since 2022, she has been practising as a clinical psychologist and marriage counsellor.
Dr Upneet also holds an MBA in hospital management from Alagappa University, Tamil Nadu, and an MA in psychology from the Indira Gandhi National Open University.... more
Asked by Anonymous - Feb 27, 2025

I am married for 12 years. My wife has psoriasis so she was unable to find a partner. Our fathers knew each other socially so they decided to get us married. From the day we got married, we had zero compatibility. There was no love or romance. I used to get her flowers, and try to keep her happy and like most married couples in an arranged marriage, we had a child in the second year of our marriage. I have tried so many ways to find intimacy but that is missing in our relationship. There is no conversation between us apart from discussing groceries, school fee or attending family events together. I am looking for a friend, a companion which is missing. Recently, I discussed my problems with a female colleague who is facing the same with her husband. We got along quickly and there is instant chemistry, a spark. But we are both married and have young kids so we are worried how to take this forward. Please suggest the right way. I am 42, she is 39. My wife is 38.

Ans: Hello sir
First of all i would like to appreciate you for taking such a step and marrying a person who is having psoriasis. This disease is not infectious but still in Indian society people don't have that awareness. Now let's come to your problem. The dilemma in which you are is actually mid life crisis. I know that your wife and you don't have that compatibility and you are getting attracted to your colleague. But you should once sit with your wife and should discuss your issues. You can also go for couple counselling. This will solve your problem and will save your marriage. Your kids future depend on your compatibility with your wife. They should have both their parents beside them. Think about it.
Regards
Dr Upneet kaur
Reach me https://www.instagram.com/dr_upneet

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Anu

Anu Krishna  |1757 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 12, 2021

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Relationship
Dear Anu, I am a 44-year-old married man. My wife and I had a love marriage. But just after the birth of our second child we started developing some smaller differences and issues. Nothing really major. However my wife started staying away from me physically. The intimacy and love in the relationship reduced and eventually stopped. Along the way I tried to go close to her but she wasn't interested. I tried a lot but it didn't help. We even tried to go to the counselor but she wasn't quite interested so we stopped midway. Now eight years have passed since we have had any physical closeness. We live like roommates just looking after the kids. However now my wife is making attempts to come close to me but somehow I don't feel anything for her and I am not co-operating. I feel like I just want to go away from everyone and start living independently. What is your advice? We have two daughters.
Ans: Dear N, What went through your wife’s mind at the time of the birth of your second child is something that needs to be addressed.

Maybe the work of bringing up two children exhausted her or there was a hormonal disturbance that made her lose interest. But let bygones be bygones.

Now that she is trying to get closer, maybe you can also try to see what the two of you can do to rebuild the closeness.

Rather than jump straight to sex, create closeness step by step.

Spend quality time together, watch movies, engage in a hobby together, cook together…the fondness and affection outside the bedroom might help breaking the ice and you start to at least engage in an affectionate manner towards one another.

It is easy to walk out of a marriage but do remember what the reason to walk out will be?

After a few years, it might not been worth it at all…Why not at least give the above suggestions a try?

Engage as friends with no expectations from one another and let the purpose be a happy engagement just like the one we have with out friends.

You also have two daughters who definitely want to be in a loving family; so give this a chance and see if it works out. You have nothing to lose but everything to gain.

..Read more

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Kanchan

Kanchan Rai  |648 Answers  |Ask -

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

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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.

..Read more

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Ravi

Ravi Mittal  |679 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Sep 15, 2024Hindi
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Relationship
I am 50 years old and got married 15 years ago. I am a very spontaneous sort of a guy and enjoy life, partying etc. I was also very active socially.My wife being the complete opposite put a stop to all that once we got married. She also does not display any affection and has no interest in physical intimacy. She is just concerned with her housework.We also have lot of differences in mental attitude & intellectual abilities. At no stage will we ever seperate, however, I am unhappy with her nature. She has lot of friends, however is always at daggers drawn with in her in laws. We had to stay separately for 6 months, and I tried looking for love else where, however after a couple of months, I realised, that I missed her. I am in a quandary. Despite requesting her to work on our relationship, I get no response. Please advise on how to proceed.
Ans: Dear Anonymous,
I understand you are in a tough spot. But it's nice to see that after all those years of differences, you still have genuine feelings for her. I strongly suggest considering marriage counseling. From your description of your marriage, it seems to be there have been issues from the very beginning of it. It's been too long and now those issues must've become deep-rooted. Seeing a professional can be a game-changer. They can guide you out of this slump more methodically and help you navigate the emotions you are feeling right now. It can also help you understand the reasons for your wife's disinterest and handle it better.

Best Wishes

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Anu

Anu Krishna  |1757 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 03, 2024

Relationship
Hi Anu, I, 33 years old guy, working in corporate recently entered into an arranged marriage with a simple cultured girl who is also 33 years aold working in corporate, following a previous two-year relationship with another girl who was way hotter than my wife. Although my relationship with ex involved quite a bit of passion and physical chemistry, we had often found ourselves at odds when it came to other aspects of life, such as finances, careers, and family matters. Due to these differences, I chose to get into arranged marriage with the girl of my parents choice through the traditional arrangement process. After ex and I parted ways, she moved abroad to pursue her master's degree. Despite all this, ex and I have managed to maintain a friendship and remain in contact. It has been over seven months since my wife and I tied the knot, and we have been working on developing our sexual connection. To provide some context, here are a few reasons why this aspect of our relationship has been challenging: As my wife has never been in a sexual relationship before, she is not very experienced when it comes to expressing romance or fostering intimacy. Also, we are quite opposite to each other be it movie choices, eating habots, dressing sense, spiritual beliefs etc. I frequently find my thoughts drifting back to my past experiences with ex, which have led me to believe that I may never be able to recreate the same level of passion and excitement in my current relationship. While I used to be instantly aroused by ex, I hardly feel any sexual attraction for my wife. In last 7 months, we got physical only 7-8 times. However, the experience was not so great, and I am left feeling unsure about the future of our intimate relationship and navigating my feelings about my past relationship with ex. It's important to mention that, without a doubt, my wife surpasses ex in all other aspects of life, except for romance.
Ans: Dear Mukesh,
You have not moved past your the relationship with your girlfriend. Till that time, this constant comparison without your knowledge is going to lead you to only more inadequacies within your marriage.
It's looks, it's intimacy, it's likes and dislikes...you will compare just about anything to prove your case that your ex was and is better than your wife. So, it's a dead end. What do you want in life and out of your marriage? It's also not fair on your wife that you are still stuck up on your ex and she is having to share a piece of you with your ex, even if it's just thoughts.
If it's your marriage that you want, then please work on healing from your past relationship and only then you will give yourself and your wife a chance to establish a connection. It is never going to work when you try and live in two places/relationships at the same time.

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

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Anu

Anu Krishna  |1757 Answers  |Ask -

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

Asked by Anonymous - Mar 03, 2025
Relationship
Hi, my name is Dhruv, I have been married for 13 years. It was love marriage. We dont have any kids, though we tried but due to medical complications, we could not have a child. After a point of time, we both accepted the situation and moved on. Since last 3-4 years, slowly we have been drifting apart, though we are together but the love, feeling of togetherness has gone, we talk only about our regular lives, household chores, relatives etc but never about US. That feeling of being loved, even we don't hug each other anymore. Though we do care for each other but its not love anymore. Recently I met someone through work and somehow felt a connect with her, I could talk about things which I'm not able to talk with my wife. She make me feel that I'm still important and now I always think about her, want to be with her, talk to her. Though it makes me guilty also as somewhere in my heart I still love my wife and want to make it work. I am torn between what is right and what is wrong. If I think about myself, my happiness and t it hurts my wife, am I selfish or should I restrict my feelings, please advise way out
Ans: Dear Dhruv,
The easiest way to feel better when a relationship is failing is to get into another one. Searching for what you want in the original relationship cannot be found anywhere else; so giving into that temptation is only going to make things more confusing.
So, if you still love your wife and want to make it work, what have the two of you done so far to make things work?
Working on the marriage is a task that needs effort and a certain kind of stubborn nature that will help you cross over the the challenges that can emerge.
Your marriage now requires a complete RESET. So, push that button and go back to where it all began; no baggage, no expectations, no complaining...When you accept a situation, then do so fully...you can't have children; if you have accepted it then what's the reason to move apart. It only suggests that it was a compromise and not an acceptance.
Understand that acceptance is being graceful about the situation and being supportive of one another. Begin life afresh; date one another...laugh together, do things together. Bring back the little joys and bigger goals for marriage and life...
And most importantly, be in complete support of one another! That hidden love that you both share needs to be watered and nurtured even more...

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

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Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 22, 2025Hindi
Money
I am 34 years old, married, with no children yet, but we plan to start a family by the end of 2026. Our monthly household take-home income is 4.4 lakh. We have cumulative EMIs of 1.50 lakhs per month: (1) Home Loan (1 Cr Outstanding, 9 years left): 1.1 lacs per month, (2) Car Loan (8 lacs outstanding 4 years left): 25k per month (3) Personal Loan (4 years left) - 15k per month. Our investments include 50 lakh in stocks and mutual funds, and 30 lakh in PF. I have a term plan with cover till age 85, costing additional 1.3 lakh per year in premium for next 7 years. Me and my wife are covered by our employer for medical insurance, and our parents will also have PSU pension and medical cover after retirement. We spend around 1.2 lakh per month on household expenses in Gurgaon. We invest 1 lakh monthly having 20-90 split in stocks and MFs and keep 2 lakh in an emergency savings account. My long-term goal is to pay off all loans, build a financial buffer to move back to my hometown a tier 2 city and do remote work from there - this might reduce our househol income by 30-40%. Given these details, how should I plan our investments to achieve the goals and how many years are we looking to achieve this?
Ans: Hi,

You have done great investments at such age. Let us go through the details one by one:
1. You have a term cover and health insurance for yourself as well as family.
2. You should have emergency fund of 6 months' worth expenses in liquid mutual funds for uncertain times, 2 lakhs is way too less.
3. Currently 3 loans - Home, Car and Personal. All loans will be finished in 9 and 4 years respectively(total EMI - 1.5 lakhs). Overall loans are high. Try to close PErsonal loand first followed by car loan to reduce the EMI burden.
4. 50 lakhs current holdings in stocks and mutual funds.
5. 30 lakhs in PF.
6. 1.4 lakh monthly expenses.
7. Current SIP - 1 lakh permonth in stocks and mutual funds.

You have build a great wealth for yourself at your age. You are also planning to start a family. Keep your invesments like this with consistency and you will finish loans and be able to move to your home as well.

Although direct stock investment needs loads of time and research - hence not recommended. It is advisable for you to keep your investments limited to mutual funds only. And it would be great to take a professional's help as even a slightest mistake can break or make your wealth.

Before relocating after few years, try to maximize your investments at the maximum potential and let compounding do its magic. Try to invest more than 1 lakh per month in mutual funds for a secured future.

Doing and managing investments along with your job is not recommended. It is always better to go for professional advice when it comes to money.

You can connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 16, 2025Hindi
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Hello Advait sir, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,

It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.

The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.

A random portfolio like yours can create an opposite impact and generate negative to zero returns.

And try to increase the monthly SIP by 10% each year. This will take care of inflation power.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

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Hello and namaskar.. I am 36 years old. Need your guidance in the following funds- (a) parag parekh flexi cap - 7500/- per month (B) GROWW nifty midcap 150 index fund -2500/- per month (C) mirae asset ELLS tax saver -5000/- (D) pGIM india mid cap opp. Fund -5000/- (E) quant small cap fund-4000/- (F) ICICI prudential equity and debt fund - 3000 (G) HDFC FLEXI CAP FUND - 4000 (H) Uti nifty 50 index fund - 5000 Additionally I want to invest 1lakh annually. Tell me where to invest this additional amount. These funds are ok or I should exit from any fund and invest in any other fund. I want to get 2 crore till the end of 2035. Am I going on the right track.
Ans: Hi Rajesh,

Appreciate your dedication in investing in mutual funds for long term. The funds selected by you are very random and not recommended for your goal. Overall investments are also not in alignment, this portfolio is a very random one.
Currently you are investing 36000 per month - keep your investments simple in largecap, midcap, smallcap and mutlicap fund. Keep additional 1 lakh as well in these funds.

You should consider exiting funds like quant and shift to more stable ones.

Your current funds are direct, but direct funds are over-rated. A random portfolio like this can instead give less returns than a professionally designed one. It is always better to go for a regular portfolio suggested by a professional. Proper funds with a designed dedicated plan will help you reach your goal of 2 crores in 10 years in an efficient way.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

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Reetika Sharma  |459 Answers  |Ask -

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Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Nov 28, 2025Hindi
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Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

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Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

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I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company. pls confirm me what is a issue.
Ans: Hi,

The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.

Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:

1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.

For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

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Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

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