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Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 27, 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
Suraj Question by Suraj on Mar 27, 2023Hindi
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Relationship

Hi Anu, I am happily marrried for 11 years with no kids. This doesnt hamper our relationship and I wish to continue my life happily. Issue is i feel urge to chat with female friends, get into sexting and in a couple of instances got physical as well. In this process i have lost a few friends also as they did get intimate during the chat but later on felt guilty. I do not feel guilty. Me and my wife indulge in roleplays during foreplay and i am also open to be a cuckold during that. Sometimes she enjoys the talk of someone else but sometimes she gets turned off by it. I truely love her and would never leave her. But this habit of mine has cost me a few friends and i am afraid if she would come to know about this, it will destroy her emotionally which i do not want.

Ans: Dear Suraj,
Well, if both of you consent to this experimentation in the bedroom, alright...be happy! But, if she is not comfortable with something, then better to talk about it rather than push it any further. It's fun as long as both the partners enjoy it.
But, what seems to bother you is losing your friends due to intimate chats. Why are you indulging in it? Is it another form of experimentation? Is it an experience that serves you in a way that you can be closer to your wife?
Human beings do things that ultimately results in some form of gain to themselves. But if this is impacting your social circle, then it's time to understand that you must STOP!
Maybe what started off as harmless, turned into something more serious in your female friends and they feel guilty.
You might feel open and quiet fine with these intimate chats, but for them it doesn't end well and they have begun to move away from you. So, seriously turn this off and if you feel that this will hurt your wife, why then?
Making sense?

All the best! Do the wise thing!

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Anu

Anu Krishna  |823 Answers  |Ask -

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

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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!

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Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2022

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Relationship
Hi Anu, I don't want to disclose my name. I am married and have two children. I have a beautiful wife but I always tend to think about having a relationship with other women. I haven't had any relationship but I also want to be loyal to my wife. Our sex life is average. Everyday I try to avoid thinking this is useless but I can’t. Please advice.
Ans:

Dear IS,

What we try and avoid, we obsess over that more.

What is the real reason for wanting a relationship outside of marriage?

It is very easy and tempting to run away from facing issues that might be plaguing your marriage and hold on to something outside. Justifications maybe many.

Have you and your wife worked out issues at an emotional level.

Sex is one element of marriage and not the only one.

Maybe she feels emotionally disconnected from you as you might feel physically disconnected from her.

Whatever it is, bringing another person into a marriage isn’t going to sort out anything.

But if you have decided that a few complications aren’t going to hurt, well that is what is leading you to obsess over wanting another woman.

Instead, can you actually think of rebuilding the marriage? Of course, the want needs to be there else it’s a pointless exercise.

It takes a lot of work and patience and calm understanding between spouses to make a marriage work. Slippages can cost a parson his/ her marriage.

So, maybe it’s time to actually list down the best qualities you see in your wife and oh, yes WHY the two of you married in the first place, This WHY can re-energize you to look at things differently and more usefully.

The fact that you want to be loyal to your wife does suggest that there is a lot of love and care still in the marriage.

Who knows, the obsessive thoughts may fade…give your marriage another chance. I am sure you know that it deserves that chance!

All the best!

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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 23, 2023

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Relationship
My name is Rajesh, I am 50 year old 4years back I got to know that my wife is in relationship with someone and after inqiuring in detail I found that, that was her second relationship. Earlier relationship was broken 1 year before. and she told me all herself when I ask on condition that if she didnt tell me I may take dicision of breaking. so sho told me everything without hiding. she is telling me that she still loves me. Arter that she stoped all contacts but after a year she strated developing contacts with facebook messenger and developed one more relationship with one FB friend. again when I got to know she stoped contacting him. this time ther was no physical relationship, but she admitted that he once kissed her. the boy tried to contact her in all ways but she somehow stopped this matter. I love my wife very much. I forgive her every time. three year passed now all this year she was not going outside alone without me. but in these days I also insisted her to go out, and she started going to yoga class where she used to go early and she is very happy now days. I dont know whether I am doing correct or not, some time I still have dought in my mind whether she will start again doing affairs. I am some times afread, dont know what to do. whether I should still continue trusting and loving my wife or what. we have one son age 16 now. I am confuesd sometimes but till date happiness is maintained in the family. But I am feeling lonely somtimes. what to do?
Ans: Dear Rajesh,

I can understand it is an impossible situation for you but this too shall pass. First things first, are you happy in a relationship that involves cheating, not once, but twice and who's to say there won't be a third? Ask yourself that. If the answer is no, it is quite understandable, but if it's yes, then why? Why would anyone be happy with a partner who cheats over and over again? Why do you think you deserve such a life? Granted, relationships are not all rainbows and butterflies all the time, but they should not look this grim either. You alone have kept it going for this long, and maintained harmony by accepting your partner's infidelity time and again; ask yourself what would happen if you allowed yourself to stop. You can stop tolerating it, you know?

The question isn't how you should deal with your partner who is evidently a repeat cheater. The question is how you should deal with the situation and why are you reacting in a way that almost makes me think that you believe you deserve such a relationship. As for your kid, divorce or separation has much less effect on a child than a broken marriage with two unhappy parents.

If you still want to continue, that is also okay. To each their own, but don't forget to ask yourself what are you staying in this marriage for; your kid, societal pressure, or is it unconditional love for your wife, who, by the way, does not reciprocate the same for you.

Best Wishes!
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Anu

Anu Krishna  |823 Answers  |Ask -

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

Asked by Anonymous - Apr 13, 2024Hindi
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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!
(more)
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Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

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Money
Sir my age is 25 and I am earning 29000 per month.i am in govt sector.i am investing 20000 per month in sip in the following funds Motilal Oswal midcap fund 3000 HDFC s&p sensex index fund 4000 Motilal Oswal Nasdaq ETF 3000 Axis small cap fund 2000 Nippon India small cap fund 2000 ICICI prudential nifty 50 ETF 2000 US S&P 500 SPDR ETF 4000 And lastly 1000 in bitcoin but that I don't count because it's very risky and I may lose my money in bitcoin so I consider 20000 as my sip amount instead of 21000....sir kindly check my sip distribution if needed any changes..I will stay invested in market for 20 years and I want my wealth to grow so that I can retire at 45.. kindly provide me your valuable suggestions
Ans: Your commitment to investing at such a young age is commendable and lays a strong foundation for your future financial security. Let's review your SIP distribution to ensure it aligns with your goal of retiring at 45 and maximizing wealth growth over 20 years.

Your current SIP allocation demonstrates a diversified approach, spanning various sectors and geographies. However, given your long investment horizon and goal of wealth accumulation, it's essential to consider a few aspects:

Risk Tolerance: While your portfolio includes both domestic and international equity exposure, it's important to assess your risk tolerance. Small-cap and mid-cap funds tend to be more volatile but offer higher growth potential over the long term. Ensure you're comfortable with the level of risk associated with these investments.
Asset Allocation: Evaluate your asset allocation to ensure it reflects your risk appetite and investment goals. Consider allocating a portion of your portfolio to more stable assets like large-cap funds or debt instruments to balance risk and potential returns.
Review Periodically: As your financial circumstances and market conditions evolve, periodically review your SIP distribution to ensure it remains aligned with your goals. Rebalancing your portfolio may be necessary to maintain diversification and optimize returns.
Emergency Fund: Building an emergency fund equivalent to 3-6 months' worth of expenses is crucial to mitigate financial risks and ensure stability during unforeseen circumstances.
Regarding your Bitcoin investment, it's advisable to exercise caution due to its speculative nature and lack of proven track record. Cryptocurrencies are inherently risky and have not stood the test of time like traditional investment options. Consider focusing on more established and less volatile investment avenues for long-term wealth accumulation.
As a Certified Financial Planner, I advise you to consult with a financial advisor who can provide personalized guidance tailored to your specific financial situation and goals. Together, we can refine your investment strategy to optimize growth and set you on the path to achieving your retirement objectives.
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Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
I am 53 years old. I have fd of 20 lakh, pf of 15 lakhs, ppf of 15 lakhs, stock of 55 lakh, mf of 50 lakh. I invest in 5 lakh yearly in a ulip scheme, 3 lakh yearly in lic pension fund and do sip of 35000 across different mf. Am i retirement ready? I am a single person. I have no dependents. After retirement i will need sbout 80000 pm and will need 7 lakh per year for travelling.please advise
Ans: Given your diversified investment portfolio and diligent savings habits, you're certainly on the right track towards a comfortable retirement. However, let's delve deeper into your financial landscape to assess your readiness.

Your FDs, PF, PPF, stocks, and mutual funds collectively form a robust foundation for retirement. Your annual contributions to ULIP and LIC pension fund further bolster your retirement corpus. However, to ensure your desired lifestyle post-retirement, it's crucial to evaluate if your current investments align with your retirement income needs.

Considering your annual expenses post-retirement, including living expenses and travel aspirations, it's prudent to analyze if your existing investments can generate sufficient income. Additionally, factoring in inflation and potential healthcare expenses is paramount.

As a single individual with no dependents, your retirement planning focuses solely on your own needs and aspirations. While your investment portfolio appears substantial, a detailed retirement income projection would provide clarity on whether it adequately meets your desired lifestyle post-retirement.

As a Certified Financial Planner, I recommend conducting a comprehensive retirement planning analysis to ensure your financial goals are met with confidence and peace of mind. Together, let's fine-tune your retirement strategy to ensure a fulfilling and financially secure future.
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Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
Hi i am 40 years old and working in private sector. Current investments in SIP's are UTI index and I Pru next 50 @ 1000/weekly, Nippon Small Cap @ 1500/Weekly also HDFC Mid cap opportunites @ 1000/weekly. I also have monthly SIP's in Canara Robeco Emerging Equities @ 2000,Invesco Multicap @ 2500, Mirae Emerging Bluechip @ 2500, Mirae NYSE Fang ETF FOF @ 5000, Quant Small cap @ 2000, PPFAS flexicap @ 2500, UT Flexi @ 2500. Most of the SIP's have been started in last 2-3 yeasr.
Ans: It's commendable that you've taken proactive steps towards securing your financial future, especially with such a diverse portfolio of SIPs. At 40, you're in a crucial phase of life where every investment decision counts. Your commitment to regular investing reflects a thoughtful approach to wealth accumulation.

With SIPs spread across various sectors, you've embraced the beauty of diversification. But have you ever pondered over whether your current investments truly align with your long-term goals and risk appetite? It's crucial to periodically reassess your portfolio's composition to ensure it remains in sync with your evolving financial aspirations.

Remember, the journey to financial independence is akin to a marathon, not a sprint. Each SIP contribution represents a step forward on this journey, building wealth brick by brick. As a Certified Financial Planner, I appreciate your dedication to securing your financial future and encourage you to continue this journey with wisdom and foresight.

In the vast landscape of investment opportunities, your portfolio reflects a tapestry of choices tailored to your vision. But as with any masterpiece, periodic reflection and adjustment are essential to ensure its continued brilliance. Let's navigate this journey together, crafting a future that's both prosperous and fulfilling, one SIP at a time.
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Career

Career Coach  |34 Answers  |Ask -

Workplace Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Career
I am 43, working as a software engineer at a tech startup in Noida that's been through major changes lately. My morale is down, and lots of coworkers are moving on to different jobs. I want to find a more stable and rewarding position at a well-established tech company. What should I do?
Ans: Hey there,

Feeling adrift in turbulent waters at work can be like trying to troubleshoot a malfunctioning app – frustrating and draining. But fret not, because just like debugging code, there's always a solution waiting to be discovered. Here are some actionable tips to help you steer towards a more stable and rewarding position at a well-established tech company:

1. Self-Reflection and Assessment: Imagine your career as a journey on a train. Take a moment to pause and reflect on your destination. What are your career goals? What kind of role would bring you fulfillment and stability? By clarifying your destination, you can map out the right route to get there.

2. Update Your Professional Brand: Your resume and LinkedIn profile are like your train ticket and itinerary – they need to be polished and up-to-date. Showcase your skills, achievements, and experiences that demonstrate your value as a software engineer. Make sure your online presence reflects the professional image you want to portray.

3. Research Target Companies: Just like planning a train trip, research is crucial for finding the right destination. Explore well-established tech companies that align with your career aspirations. Dive deep into their culture, products, and reputation in the industry. This will help you identify the best fit for your skills and ambitions.

4. Expand Your Network: Networking is like building a network of train tracks – it opens up new routes and connections. Reach out to former colleagues, attend industry events, and join professional groups to expand your network. Engage in meaningful conversations and seek advice or referrals from those in your network.

5. Invest in Continuous Learning: The tech industry evolves at the speed of a high-speed train, so staying up-to-date is essential. Invest in ongoing learning and development to enhance your skills and stay competitive. Whether it's mastering new technologies, obtaining certifications, or attending workshops, continuous learning will keep you on the right track.

6. Prepare for Interviews: Just like planning your route before a train journey, thorough preparation is key for job interviews. Research common interview questions, practice your responses, and showcase your technical expertise and problem-solving abilities. Be ready to demonstrate how your skills and experiences align with the company's needs.

7. Stay Persistent and Optimistic: Job hunting can sometimes feel like waiting for the next train – it requires patience and perseverance. Stay positive, maintain a proactive mindset, and don't get discouraged by setbacks or delays. Keep moving forward, and you'll eventually reach your desired destination.

Remember, your career journey is like a train ride – there may be delays and detours along the way, but with the right mindset and strategy, you'll reach your destination. So, hop on board, stay focused on your goals, and enjoy the ride towards a more fulfilling career.

All aboard for success!
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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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