Fantastic gift ideas that help you tell her, “I Love You.”

Your anniversary or her birthday is near, and you want to give her anything else but perfumes, jewelry, and watches. If you feel you have given your partner the same types of gifts in a row, then it is time you change that. You can either think back to a time she told you she wanted something, or you can come up with a whimsical gift idea yourself.

However, we have also prepared a list of wonderful gift ideas that you can give to your partner, even at random. Maybe something that reminds you of her, or your bond with her:

A map of constellations

This is one of the coolest gifts on our list. You can commemorate a special day in your relationship by giving her a map of stars. This would be how the stars looked when you met when you both said told each other: “I love you,” and when you both moved in together.

Athleisure

This might sound lame but hear us out. Slim-fitting yet comfortable athletic clothes are such a versatile option for the day. Whether you are lounging around the house, going out for a walk, or a lunch date, with just a couple of carefully chosen pieces of jewelry and makeup, you can really amp up your look. It would be a wonderful gift for her, and if she has never tried it before, then give her a chance to do so now.

Glass teapot with infuser

If she is a fan of crockery and tea, then she will love these. There are some of the most beautiful glass teapots with infusers in the market that will act as a great show piece in your kitchen as well. She will absolutely love these if she is a fan of tea. She can just add the tea leaves in the infuser, pour hot water over them, and let them steep for a while. You can have little tea rituals as a part of your day too.

Sound Wave Art

If you two have a favorite song or have a favorite song, why not turn it into visual art and gift it to her? You can hang it in your room, over your bed, and it would be a lovely sentimental gift for the both of you.

Preserved roses

These are wonderful to showcase around the house. Since they are preserved, they will last you a whole year, and they come in a variety of colors as well. You can get a preserved bouquet of roses from your local flower shop and even have them packaged beautifully.

A mini fire pit

Fire pits are an amazing addition to the house, and they are handy during the winter season. Why not add to that and get her a mini fire pit for your room? They are usually gorgeous and would make for a convenient s’mores roaster too.

A zodiac pendant

If she is into horoscope or isn’t, a zodiac necklace would be a wonderful gift for her. You can have the stars of her zodiac engraved on the necklace, and they can be a piece of fabulous jewelry to wear daily.

Whether liquid funds are a good option for building emergency corpus?

Liquid funds in India, as the name suggests are liquid. This means they can be easily converted from invested money into useable money. They have minimum 7 day’s of exit load. .

Before focusing on why to use liquid funds in India for emergency corpus, let’s focus on how to build an emergency fund.

Examine your Cash Flow:
First and foremost, check if can maintain the income which meets your monthly expenditure or basic needs. Due to pandemic-induced economic deceleration, salary cuts and business losses have affected the majority of the population throughout the world. If you have a surplus left after meeting your emergency corpus, you may then consider investing money.

Understand your risk-taking ability:
Before you invest your money, gauge your risk taking abilities. If you are an investor reaching your retirement, then you might want to take a conservative stand. This means holding a bigger emergency corpus, say 24-36 months equivalent of expenses into a liquid mutual fund. Liquid fund returns may be lesser compared to a longer-term debt fund or other funds such as equity mutual funds, however, they can serve the main purpose of an emergency fund; which is offering you safety and liquidity at the time of need.

When selecting the liquid funds to invest in, note that the focus should not be on return but the safety and liquidity aspect, especially if you are building emergency funds.

Liquid Funds may not vary a great deal in returns. Invest in liquid funds which invest completely in short-term government securities of not exceeding 91 days and have no private party risks. Due to the short maturity period, they are not subject to volatility in interest rate fluctuations.

Liquid funds taxation is as per the holding period. For short term capital gains of lesser than three years, the gains are taxed as per the income tax slab of the investor. For long-term capital gains exceeding three years, liquid funds are taxed as per 20% with indexation benefit.

Traits of Liquid Funds in India that makes them an excellent choice for the Emergency fund:

Liquidity:
Liquid funds can be easily converted to useable money. They can be easily redeemed and in just T +1 time the money gets credited to your account.

Risk:
Liquid funds are less risky as compared to equity mutual funds. This helps to minimize the downside risk of your investments due to from market volatility to a certain extent.

Last but not the least, always choose mutual funds to create the emergency corpus you desire as the Mutual Fund industry is managed by professionals and regulated by SEBI..

Stress is Beneficial But Can Lead to Serious Problems

Stress protects us from danger by allowing us to quickly decide whether to “fight-or-flight” during emergency situations. It speeds up our action and decision-making helping us to perform better under pressure. However, this supposedly helpful reaction of our body can lead to serious problems if not handled properly.

Stress happens when we encounter things that are beyond our control such as being chased by a wild tiger or losing a job. This alerts our body releasing cortisol and adrenaline hormones that makes the heart pump faster resulting to high blood pressure, muscle tension, and rapid breathing. These physiological effects activate the necessary organs of the body especially the brain and muscles to act quickly and correctly .

Short-term stress such as: running out of gas in the middle of nowhere, approaching deadlines, and missing a flight can be a good thing. It improves thinking skills and boosts energy allowing us to make the necessary actions and take control of the situation. It also lets us prepare for an exam, job interview, or sports match as it improves our focus and drives us to get ready.

The body returns to its normal state after a short burst of stress but not when it is prolonged. Long-term stress also known as chronic stress which can have negative effects on our health – physically, emotionally, and mentally.

Long-term stress causes increased blood sugar levels, weight gain, suppressed immune system, digestive problems, heart disease, and neurological problems. During stress, the body is triggered to release blood glucose which is necessary to supply immediate energy into the muscles. Too much releasing of blood glucose in the course of long-term stress and the body is unable to cope with excessive supplies. The unused blood sugar supplies are stored as body fats resulting to weight gain and diabetes. In addition, over supply of glucose also makes us feel hungry which contributes to weight gain.

Too much exposure to stress suppresses the immune system making us susceptible to diseases such as cold and contagious illnesses. Moreover, it affects the digestive tract making it difficult to digest and absorb food. The irregular pumping of blood caused by stress also elevates heart rate and blood pressure which may lead to blood vessel damage and build-up of plaque in arteries that are the primary reasons of heart disease.

Chronic stress is mostly caused by emotional problems such as divorce, death of a loved one, financial burdens, moving to a new home, and accidents. These introduced worrying resulting in psychological exhaustion leading to depression and anxiety.

Signs of unhealthy stress includes frequent headaches, difficulty sleeping, fatigue, irritability, digestion problems, memory loss, and poor concentration. These can greatly affect not only health but also our career and relationships with people.

Being healthy, focused, attentive, and having a peace of mind are necessary to be efficient at work. On the other hand, being irritable or isolating yourself from others makes you difficult to deal with – pushing people away.

If you feel that your stress levels are high and affecting your productivity, job, and relationships, its time to take actions. Taking control of your stress in highly important to take control of your life. Strengthen your support system by talking to your friends and family especially when you have problems, develop a hobby or take up sports to have diversions, and exercise to promote relaxation are just few simple techniques to help you fight against stress. You can also seek for a professional help if stress is worse than what you can handle.