Ten Things to Always Do in Life
Stay Curious: Never stop learning and exploring new things.
Be Kind: Show kindness to others and yourself.
Stay Healthy: Prioritize your physical and mental well-being.
Build Relationships: Cultivate meaningful connections with family and friends.
Pursue Passions: Follow your interests and hobbies.
Practice Gratitude: Appreciate the small and big things in life.
Stay Positive: Maintain a positive outlook, even in challenging times.
Give Back: Contribute to your community and help those in need.
Set Goals: Have clear objectives and work towards achieving them.
Live in the Moment: Enjoy the present and make the most of every day.
Term Policy for Life
Consider purchasing a term insurance policy from a reputable government agency such as LIC or SBI, as they tend to be more cost-effective and offer straightforward coverage. Think of it as insuring your car or bike. Avoid falling into the trap of investing in a money-back policy, which may not provide significant benefits given inflation rates and the changing value of money. Determine the appropriate coverage amount based on the needs and lifestyle of your dependents (including parents, spouse, and children, if applicable). If uncertain, seek guidance from a financial advisor, but be cautious as they may attempt to promote a money-back or ULIP policy to earn higher commissions. LIC and SBI are indeed reputable options for term insurance. They offer straightforward coverage at competitive rates. For example, SBI Life’s Smart Shield plan provides comprehensive coverage with options for level term assurance and increasing term assurance. LIC also offers reliable term assurance plans.
SIP in Mutual Funds
The Indian stock market has shown remarkable growth over the past three decades, driven by economic reforms, technological advancements, and increased investor participation. Benchmark indices like Sensex and Nifty have surged, offering attractive investment opportunities. It is recommended to consider investing in Mutual funds through SIP mode, allocating at least 20% of your net salary or earnings to secure your financial future. Acting promptly is crucial to prevent unnecessary spending, and seeking advice from a financial advisor is advisable for those unsure about their investment decisions.
Invest in Gold
Consistently invest in gold as its value has demonstrated steady growth over numerous decades, despite fluctuations. Establish anchor dates, like anniversaries or birthdays, for your investments, and keep in mind that even modest amounts can have an impact. Maintain dedication to your investment plan for an extended period.
Annual Health Check-up
Make it a habit to schedule annual health check-ups at a consistent time each year. A convenient option is to align it with your birthday, either before or after. If you are married and can synchronize both of your check-ups, it ensures a dedicated commitment to this important routine.
Invest an hour daily in health
Exercise offers numerous health benefits, including weight management by burning calories, improved cardiovascular health, mental well-being through stress reduction, enhanced strength and flexibility, better sleep quality, and a strengthened immune system. These advantages highlight the importance of incorporating regular physical activity into one's lifestyle for overall health and well-being.
Two Meal a Day
Try having only two meals daily. Since many of us have sedentary jobs, consuming three meals a day results in excessive food intake. Consult a professional dietitian to discover the most appropriate meal plan for your needs. Switch to Vegetarian Diet (if you can): It is worth considering giving up non-vegetarian food, as many diseases are linked to the consumption of non-vegetarian food and the spices and oils used in its preparation. Obesity, heart disease, and other health issues are often attributed to the consumption of non-vegetarian food.
Invest in Annual Holiday Subscriptions
Purchase holiday scheme subscriptions from the different options offered in the market. Maintaining good health requires taking regular breaks with loved ones to a destination outside of your usual surroundings. Start investing early to enjoy the benefits during the peak years of your life. Travelling will help expand our world view which is a very important skill for the 21st Century.
Invest Time Daily in Reading
True value in the pursuit of knowledge lies in dedication to continuous learning and personal growth, rather than the quantity or specific content of what one reads. Engaging with diverse subjects cultivates critical thinking and creativity. Reading widely across disciplines fosters cognitive flexibility, problem-solving skills, and a nuanced understanding of complex issues. The act of reading itself enhances comprehension, analytical abilities, and communication skills, inspiring creativity and a love for learning. Embracing curiosity and open-mindedness allows individuals to embark on a transformative journey of self-discovery and intellectual exploration.
Daily journaling
Daily journaling is a transformative practice that offers profound benefits. By dedicating a few minutes each day to introspection, we create space for personal growth and self-discovery. Through journaling, we can track progress, set goals, and gain insights into our behaviour. This practice also serves as a form of therapy, aiding in emotional processing and stress reduction. Furthermore, journaling boosts creativity, problem-solving skills, and memory retention by stimulating the mind and encouraging innovative thinking. Cultivating gratitude and mindfulness, journaling helps us focus on positivity and develop an optimistic outlook. Overall, whether through pen and paper or a digital platform, daily journaling is a simple yet powerful tool that brings clarity, insight, and growth into our lives.
Investing time with family and friends
Investing time with family and friends is essential for cultivating lasting relationships filled with cherished memories. These moments, whether sharing a meal or heartfelt conversations, strengthen bonds significantly. The support and sense of belonging gained from loved ones are invaluable, offering comfort and security. Balancing work and personal life through these connections is vital for overall well-being, preventing burnout and fostering happiness. Prioritizing time with loved ones is an investment in happiness, well-being, and meaningful relationships, enriching life experiences.
I am sure a lot of you are already doing some of these. This is just to remind you if anything is missing from your to-do check list.
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