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Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Feb 27, 2023

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
Prabodh Question by Prabodh on Feb 09, 2023Hindi
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Relationship

My wife is 40 years old and we are blessed with a 7 year old chid. She has completely loss interest in sex and its been several years she has shown any interest in sex. I tried convincing her to visit a doctor but she is quite reluctant. I respect her feelings and hence never persuade her strongly on the matter.But I believe having sexual relationship between husband and wife further strengthen the bond. I am very perplexed and clueless, what should I do in this situation. Please suggest.

Ans: 40 is hardly an age to turn celibate! Instead of convincing her, first have a frank conversation about what the trouble is. Does she not enjoy it? Is she repulsed by it? Does she feel stressed or guilty about it? And yes, even if reluctant, I do believe a therapist is required. You’re completely right about bonding sexually; it is important. Don’t ignore the problem, be supportive but certainly address it.

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Anu

Anu Krishna  |839 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  |839 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  |183 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

Latest Questions
Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 03, 2024Hindi
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Money
Hi, I am 30 years old, F, married (no kids yet) earning 1.3L/m. Currently I have 4 lakh in FD and a RD of 25K/m earning 7.1% interest. I have been doing SIP of 17.5K(and increase in SIP by 25% yearly). Also, I have an emergency fund of 4 Lakh in savings account. I don't have any knowledge of investment and not sure I am ready to take risk. Please suggest me how to asses risk and what are the best savings option for next 10-12 years.
Ans: It's great that you're taking steps towards financial planning and building wealth for your future. Assessing your risk tolerance is an important first step in determining your investment strategy. Here's a tailored approach to help you assess risk and explore suitable savings options for the next 10-12 years:

Risk Assessment:
Start by understanding your financial goals, time horizon, and comfort level with investment risk.
Consider factors such as your age, income stability, financial obligations, and future aspirations when evaluating risk tolerance.
Reflect on how you would react to market fluctuations and potential losses in your investment portfolio.
Investment Options:
Given your risk aversion, focus on low to moderate-risk investment options that offer stability and steady returns over time.
Explore fixed-income instruments such as Fixed Deposits (FDs), Recurring Deposits (RDs), and Debt Mutual Funds, which provide capital preservation and predictable returns.
Diversification:
While prioritizing safety and stability, consider diversifying your investment portfolio across different asset classes to manage risk effectively.
Allocate a portion of your savings to equity mutual funds or index funds with a conservative approach to benefit from potential long-term growth while minimizing volatility.
Savings Goals:
Identify your financial goals for the next 10-12 years, such as buying a home, starting a family, or saving for retirement.
Prioritize your savings goals based on their importance and urgency, and allocate your investments accordingly.
Regular Review and Adjustment:
Periodically review your investment portfolio and reassess your risk tolerance, financial goals, and market conditions.
Adjust your investment strategy as needed to stay aligned with your objectives and adapt to changes in your financial situation or life circumstances.
Financial Education:
Invest time in learning about different investment options, risk management strategies, and personal finance principles.
Consider seeking guidance from a Certified Financial Planner who can provide personalized advice and help you navigate the complexities of investing.
Remember, while it's important to prioritize safety and stability, being overly conservative with your investments may hinder your ability to achieve long-term financial growth. Find a balance between risk and reward that aligns with your goals and comfort level. With careful planning and informed decision-making, you can build a strong financial foundation and work towards achieving your aspirations over the next decade.

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Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 05, 2024Hindi
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Money
Hi sir am 35yrs old , and i don't have any savings till now. I am planning to do SIP now onwards 30k per month and mai aim is to I need to achieve 1cr till 45yrs. Kindly suggest me some funds were can I invest.
Ans: Starting a Systematic Investment Plan (SIP) is a great step towards building wealth for your future goals. Given your goal of reaching 1 crore by the age of 45, it's essential to choose mutual funds that align with your risk tolerance, investment horizon, and financial objectives. Here are some suggestions for mutual funds to consider for your SIP:

Diversified Equity Funds:
Look for funds that invest across various sectors and market capitalizations to spread risk.
Consider funds with a proven track record of consistent performance and experienced fund managers.
Large Cap Funds:
Large-cap funds invest in established and well-known companies with a track record of stable earnings.
These funds offer relatively lower risk compared to mid and small-cap funds, making them suitable for long-term wealth creation.
Mid and Small Cap Funds:
Mid and small-cap funds have the potential for higher growth but come with higher volatility.
Invest in these funds if you have a higher risk appetite and a longer investment horizon to ride out market fluctuations.
Balanced Funds:
Balanced funds, also known as hybrid funds, invest in a mix of equities and debt instruments.
These funds provide a balance between growth and stability, making them suitable for investors seeking moderate risk with potential for capital appreciation.
Index Funds:
Index funds replicate the performance of a specific market index, such as the Nifty or Sensex.
These funds offer low expense ratios and are ideal for investors looking for passive investment options with diversified exposure to the equity market.
Tax-saving ELSS Funds:
Consider investing in Equity Linked Savings Schemes (ELSS) to benefit from tax deductions under Section 80C of the Income Tax Act.
ELSS funds have a lock-in period of three years and invest primarily in equities, offering the potential for higher returns over the long term.
International Funds:
Explore international funds that invest in global markets to diversify your portfolio and access opportunities beyond domestic markets.
These funds provide exposure to sectors and companies not available in the Indian market and can offer diversification benefits.
Before investing, assess your risk tolerance, investment horizon, and financial goals. Consider consulting with a Certified Financial Planner to create a personalized investment plan tailored to your needs and objectives. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your goal of 1 crore by the age of 45. Remember, disciplined investing over time can help you achieve your financial aspirations.

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Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

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Money
What should be the investment even after retirement and in which fund
Ans: Post-retirement, it's crucial to maintain a well-balanced investment strategy that aligns with your financial goals, risk tolerance, and income needs. Here's a tailored approach to consider:

Investment Objectives:
Focus on preserving capital, generating regular income, and managing inflation risk to sustain your lifestyle in retirement.
Prioritize investments that offer stability, liquidity, and moderate growth potential to meet your income requirements.
Asset Allocation:
Allocate a portion of your retirement corpus to fixed-income investments such as bonds, debt funds, and Senior Citizen Savings Scheme (SCSS) to provide a steady stream of income and capital preservation.
Maintain exposure to equity through balanced funds or conservative equity funds to benefit from potential capital appreciation while managing volatility.
Regular Income Generation:
Consider investing in dividend-paying mutual funds or systematic withdrawal plans (SWP) to generate a regular income stream from your investment portfolio.
Opt for funds with a history of consistent dividends or reliable income distributions to support your post-retirement expenses.
Risk Management:
Prioritize investments with lower volatility and downside protection to safeguard your retirement savings from market fluctuations.
Diversify across asset classes and investment vehicles to mitigate risk and enhance portfolio resilience.
Tax Efficiency:
Choose tax-efficient investment options such as tax-free bonds, dividend-paying funds, or capital gains tax-exempt instruments to optimize your post-retirement income.
Leverage tax-saving opportunities available to retirees, such as Senior Citizens Savings Scheme (SCSS) or Pradhan Mantri Vaya Vandana Yojana (PMVVY), to maximize tax benefits.
Regular Review and Adjustment:
Continuously monitor your investment portfolio and adjust your asset allocation and investment strategy based on changing market conditions, income requirements, and personal circumstances.
Consult with a Certified Financial Planner periodically to ensure your investment plan remains aligned with your post-retirement goals and objectives.
Overall, maintain a balanced approach to post-retirement investing, focusing on income generation, capital preservation, and risk management. By diversifying across asset classes, prioritizing stability, and staying disciplined in your investment approach, you can build a resilient portfolio that supports your financial well-being throughout retirement.

...Read more

Ramalingam

Ramalingam Kalirajan  |1384 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 05, 2024Hindi
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Money
Sir, I started investing in MFs since 2007. These are the schemes where I am investing currently. Do I need to make any changes to my portfolio? I am planning to invest Rs 50,000 per month for a period of 20 years. I want a corpus of Rs 5 cr after 20 years. Do I need to add any new schemes to reach my target? * Mirae Asset Tax Saver Fund G * Motilal Oswal NASDAQ 100 ETF * Parag Parikh Flexi Cap Fund * Aditya Birla Sun Life Mfg Equity Fund * Aditya Birla Sun Life Tax Relief 96 * 360 One Focused Equity Fund - Growth * Mirae Asset Emerging Bluechip Fund - Growth * Quant Tax Plan * Axis Bluechip fund * Canara Robeco Emerging Equities * Canara Robeco Equity Tax Saver * HDFC Gold Trader Fund Growth - Direct * HDFC Tax saver ICICI Prudential Technology Fund – Growth
Ans: You've built a diversified portfolio over the years, showcasing a thoughtful approach to long-term wealth creation. It's commendable how you've spread your investments across different market segments and themes.

To reach your target corpus of Rs 5 crore in 20 years with a monthly investment of Rs 50,000, it's essential to periodically review and adjust your portfolio. Consider rebalancing to ensure alignment with your goals and market conditions.

While your current portfolio includes a mix of equity, tax-saving, and thematic funds, consider adding diversified options to enhance portfolio resilience. Focus on funds with strong track records, experienced fund managers, and consistent performance.

As market dynamics evolve, keep an eye on new investment opportunities and emerging sectors. Stay informed and open to adjustments to optimize your portfolio for long-term growth and stability.

Remember, investing is a journey, and it's essential to stay patient, disciplined, and focused on your goals. With prudent planning and regular review, you're well-positioned to achieve your financial aspirations. Keep up the good work!

...Read more

Mayank

Mayank Chandel  |497 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 05, 2024

Asked by Anonymous - Apr 09, 2024Hindi
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Career
My daughter wants to pursue MBBS ,how can I get admission in AFMC pune
Ans: Hello Sir/Madam
Age: Candidates must be at least 17 years old and not more than 24 years old as of 31st December of the year of admission.

NEET UG Examination: Admission to AFMC Pune is through the NEET UG (National Eligibility cum Entrance Test for Undergraduate) examination conducted by the National Testing Agency (NTA). Candidates must appear for NEET UG and qualify with the minimum required percentile.

Online Registration: After the NEET UG results are declared, candidates who have qualified for NEET UG and meet the eligibility criteria for AFMC Pune need to register online on the official website of AFMC.

Screening Process: Shortlisted candidates are called for a screening process at AFMC Pune, which includes a written test, aptitude test, and interview. The written test assesses the candidate's scientific knowledge, the aptitude test evaluates the candidate's officer-like qualities, and the interview assesses the candidate's personality and suitability for a career in the Armed Forces.

Final Merit List: Based on the performance in the NEET UG examination, screening process, and other criteria, a final merit list is prepared for admission to AFMC Pune.

Medical Examination: Candidates who are selected based on the final merit list undergo a medical examination to ensure they meet the medical standards required by the Armed Forces.

Admission and Training: Selected candidates are admitted to AFMC Pune for the MBBS program and undergo training to become medical officers in the Armed Forces.

...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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