Text Credits: A.Ankitha

There’s 18 days until New Year’s! Yes, time flies really fast! But, don’t forget that you’re the pilot! This year has offered many surprises, some good and some not. But there’s a reason we sip champagne, smooch at midnight and dance till four in the morning on the last day of the year, and it’s to send it off with a bang in an awesome self-care kind of way. Here are some last minute things you can do to make sure 2017 isn’t just a dud of a calendar year and will start off 2018 with the warmest, fuzziest feelings.

New Year New You!

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Yes, we know you’ve heard this umpteen number of times. Why not try it for yourselves? Go get your hair coloured, or better even, re-decorate your living space! What better way to start a ‘new’ year than having a new you!?

Finish what you started – Everything!

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Remember that book you started reading but couldn’t finish coz your neighbour came over? Or that half painted woman on the canvas (who, if alive, would cry for leaving her hanging!)? It’s high time you take some time for yourselves and finish what you started this year. Grab that book and see what happens to the princess.

Say your Thanks and Make Peace

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We know Thanksgiving is over. But hey, you can say thanks whenever you want! All it takes is a huuuuge heart and the will! Go on, tell your mom how thankful you are for the extra pair of woollens she packed in your bags though you didn’t ‘want’ them. And don’t forget your dog who religiously wags his tail and makes sure you never feel lonely! You get the drift, let them know! And, it’s always good to start a year feeling good! So grab that phone and make peace with your frenemies! It’s high time you move on and look at the bigger picture. And don’t forget to tell your special someone how much you love them!

Go gift shopping – for Yourself!

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Waiting for your boyfriend to give you a gift? Why not go ahead and buy something for yourself?! You’re all you need. Go buy that Hot red heels you always wanted. Self-love is all you need to end the year on a great note! Pamper yourself all that you want, coz if you don’t, who will?

Do Something Different this Year

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Doing the same old thing every New Year’s eve? Going to clubs, dancing and partying? Chuck the usual plans and do something different this year end! Go on a road trip with your best buddies, or better even, go on that much needed solo trip you had planned months ago! There are so many places to explore and so little time in our hands! *sigh*

Do what you Always wanted to do

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How many times have you wanted to take up that French class (We know, it’s sexy!) and didn’t go for it, coz apparently going back home and cosying up on the couch was much simpler? Yes, that’s right! We’ve been there. Now, go enrol yourself in the classes you’ve always wanted to join (yes, that includes gym and aerobics!) and start the New Year with a bang!

So, all set to end the year on a high note? Let us know how you plan to begin 2018 in the comments section below!

The post Things to do before 2017 ends! appeared first on FWD Life | The Premium Lifestyle Magazine |.

Here’s our take on these pie-in-the-sky promises!

Text Credits: A.Ankitha

Did you all know that around 50% of India’s population makes New Year Resolutions and only 9% end up sticking to them? 9%! That’s low, by any standards! Whatever the cause, it does not stop us from being hopeless hopefuls year after year. So, here’s our take on  New Year resolutions for 2018 that we will TOTALLY make but NEVER follow.

1. Exercise

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2. Diet

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3. Staying in touch

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4. Saving money

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5. Quit smoking

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6. Be a better person

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7. Being more social (not social media)

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8. Spend more time with the family

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9. Work for a good cause

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Jokes apart, to everyone who is all set to make the customary resolutions for this New Year, here’s one thing we want to tell you!

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Go on and plan your resolutions! Happy planning!

The post New Year resolutions We’ll never Keep appeared first on FWD Life | The Premium Lifestyle Magazine |.

1. Develop a financial plan this year. It should give you a complete picture of your current investments, liabilities, net worth, cash flow, goals and ways to achieve those goals.
2. If you haven’t already, then start right now; start budgeting and get insurance. Budgeting helps in breakdown of your spending, easier monthly comparison. Insurances not only secure your future but also help save taxes.
3. Start a SIP (Systematic Investment Plan) for long term investments.
4. Determine asserts allocations and diversify, this will help in minimizing risks.
5. If you are a stock investor adopt a rupee cost averaging. This involves buying fewer units during rising markets and buying more units during falling markets therefore reduces the average cost per unit of your investments
6. Don’t be obsessed with tracking your portfolio as it can cause unnecessary panic. Wild market fluctuations are bound to happen; minute tracking of your portfolio might cause rash buying or selling.

Expert Speak -Alex.K.Babu 

Avoid the slip between the cup and the Lip by having a S.I.P
Does your heart skip a beat or more on hearing, reading words such as market mayhem, dooms day, black days, bloodbath, and carnage. And then one ends up pacifying oneself saying what goes down does come up and various other reassuring words.
Research teams of broking houses will come with reports saying this is the right time to buy, with varied explanations ignoring the current mindset of an investor, which is currently bruised and therefore not in a state to take advice. All of this leads to a bitter aftertaste owing to a few distress sales and buying opportunity losses.

Common Man’s Dilemma 

Millions of articles and reports, which continuously re-emphasize the need for one to invest in stocks, more than ever relevant now, in order to beat inflation, are flooded everywhere hoping to make an investor aware of these facts. But most investors lacks the time to invest and also gets boggled by all the options available as he is engaged in daily duties and in making ends meet on a monthly basis. Most of the time the share price is higher than the average price if invested systematically. This indicates the advantage of investing periodically, than in lump sum. Thus allowing one to tide over market volatility and achieving rupee cost averaging without and pinching the pocket without the need to continuously monitor the market.In case of a surplus amount arising in any of the month’s one can always incorporate it into their existing SIP.

The post New ways to invest, this New Year appeared first on FWD Life | The Premium Lifestyle Magazine |.