Top 5 Unusual New Baby Presents

So you’ve been invited to a baby shower or a friend’s just had a new baby and now you have to decide on a gift. But with so much choice out there, where do you start? Here are my top 5 unusual new baby presents to give you a helping hand:

1. The Nappy Cake.

Before I hear you say ‘bleurgh!’ this isn’t a cake that you eat! A nappy cake is made from rolled nappies, arranged into tiers to resemble a wedding cake. They are then filled and decorated with useful baby items and make a fantastic centerpiece for the baby shower as well as a fantastic gift as they really have the ‘wow’ factor. They are available in different sizes and to suit all pockets so there’ll be something amazing for your budget.

2. The Baby Bouquet

Instead of the usual bunch of flowers, why not go one step further and give a bouquet made from baby clothing rolled to look like flowers? Usually combined with foam or silk flowers and foliage these can be difficult to distinguish from the real thing. Also, unlike real flowers, this gift won’t wilt and can be enjoyed until the arrival of the new baby when the clothing will come in very handy.

For those on a more limited budget, go for a sock rose. Make from 1 pair of baby socks they are rolled to resemble a single rose complete with leaf and then wrapped in cellophane & ribbon. Especially good as a small token baby shower gift if you are planning on getting a larger baby present after the baby has arrived.

3. Baby Sock Cupcakes

Just like the real thing, but kinder to the waistline! These cupcakes are actually made from little baby socks each nestled within a reusable silicone cupcake case and packaged in bakery boxes. Get pinks for a girl, blues for a boy or a combination of candy colours for a mouthwateringly visual treat.

4. Baby Smoothies

Want a unique gift? Go for a baby smoothie – so delicious mum-to-be will want to drink it! Looking like a fruity smoothie topped with whipped cream, they are in fact made from a baby sleepsuit & hat within a smoothie cup, topped with a weaning spoon. A very practical gift with fantastic & unique packaging!

5. Candy Box Socks

Strapped for cash but want to give a memorable & useful gift? Try Candy Box Socks – looking like a box of brightly coloured sweets, they are actually individual baby socks. These will definitely last longer than a box of candies!

Living the 10/80/10 Rule for Past/Present/Future Awareness

One of the great things about journals or taking regular snapshots (not just selfies) is that when you look back, you realize how quickly time really does fly. I decided to clean my office recently and while I was moving some papers, my old student card from the University of British Columbia, hit the floor and I quickly realized how much time has passed. My youthful appearance in 1992 has transitioned into a present day portrait that reflects the passing of a significant amount of time. I can still remember sitting in dank libraries studying, late into the night thinking how the time seemed stagnant and interminable. Once and a while I would daydream about what my life would be like when I was done university and then all of a sudden “poof” a few years fly by. My Dad used to (and still does) remind me to be careful about wishing or dreaming my life away because time has a curious was of speeding up if you are not paying attention to the present moment.

I recently read a story about a family who decided that life was going by too quickly and they wanted to step off the “treadmill” and really live their lives fully and presently. They quit their jobs, sold everything and decided that they were, along with their young children, going to buy bicycles and ride them from Alaska to Argentina. They completed the trek in just over three years. Working in healthcare for many years, I was reminded on an almost daily basis about the importance of living a full and rich life. When people realize that the end is near, more often than not they talk about wishing they took more chances and lived in the moment rather than worrying about the future or regretting the past.

It is easy to say but hard to do: live in the present moment. We of course have to spend some time planning and dreaming about what we want our lives to be but we must spend the majority of time living in the present and making it happen. By being in the present moment, time really does change its rate. If you were to force yourself to pay attention to the seconds, you would find that the days seem longer. The key is to pay attention to the seconds while doing something that is mundane. Really try to make those moments last and be present in them. We all have mundane things we have to do like brush our teeth, shovel the driveway, cut the grass, and pay the bills. These moments, which are usually neutral in terms of emotional attachment, can be used as moments for practicing present moment awareness and slowing life down. Being mindful is not just about slowing things down but it literally improves our health. Research has shown that when people are taught to practice mindfulness for just thirty minutes a day for eight weeks, their brain literally changes. The brain grows in the area responsible for feelings of happiness and shrinks in areas which cause feelings of fear, rage, and anxiety.

If we accept that the present moment is the only moment you can affect, then it is here where we should spend the majority of our time. I have met clients who have told me that bad things are always just happening to them. When I listen to their history, it is hard to argue that their lives sound like a series of unfortunate events. I believe that in many cases by living in the future or the past too long, our hand is no longer on the “tiller of our boat” and we are at the mercy of the winds to blow us any which way. Their is not much point to living in the past as that part of time cannot be affected and the future is only imaginary so there is no point in being there too long either. I tell my clients to try and live the 10/80/10 rule for past/present/future. There is certainly some value in reflecting on the past. The past can be a good teacher and it can also be a reminder of how far you have come on your journey. Looking at the old snapshots can be useful if they are creating happy feelings. The future can be useful to set a course and a plan with the knowledge that you really cannot know how it will all work out but implementing the plan in the present gives you a better chance of reaching the goal. Spend a bit of time dreaming and planning but the majority of the time is spent right here at this moment.

Most often clients will say to me that they find just sitting and being mindful to be unproductive. They also tell me that they cannot find the time to do this for five minutes a day. I remind them that mindfulness does not have to be done sitting. It can be done when you brush your teeth but if you are brushing your teeth and thinking about what you will do next, it is not mindful and it is not present moment awareness. This practice of mindfulness done as often as you can and must be thought of as the most productive thing you can do in a day. I use the analogy of a needle on a record player. Our subconscious mind is continuing to play the same record over and over. There is no chance for growth or change if you are hearing the same thing day in and day out. Instead of music, our subconscious minds are playing tracks which are well worn grooves of our fears, insecurities, and beliefs. If you want real change, lift the needle off the record for a few minutes everyday. Quiet your mind so that new tracks can be laid.

Try the 10/80/10 rule and see how much of your time was probably spent in past or future. When I look at the old picture of me from 1992, I see a young man who lived too much of his life in the future. I don’t look at the picture with regret but rather I see how far I have come and I can celebrate the progress… but not for too long. Time to get back to making life actually happen. Time to go mindfully shovel my driveway.

Brett

How diversification with the help of equity and debt mutual funds is important in times of volatilit

The sharp fall in equity markets during the onset of Covid in March last year in 2020 was a wake-up call for investors to diversify their investments across sectors, assets and market caps. As the adage goes about not putting all your eggs in the same basket, if you invest your entire money in stocks of a single company or a single asset, you may end up losing money.

Some company stocks could be more volatile than others. Thus, it is a prudent decision to invest in a portfolio of different stocks. As a retail investor, it is complex and time-consuming to pick and manage multiple stocks. This is where equity mutual funds can help. Equity mutual funds invest in different stocks, thereby overcoming concentration risks and helping you minimize the downside risks.

The meaning of an equity mutual fund is a scheme that as per the scheme information document invests a minimum of sixty-five per cent of its net assets in equity and equity-related instruments.. It is suitable for investors with a high-risk appetite and a long-term investment horizon. There are different types of equity mutual funds such as categorization as per market capitalization; Large, mid and small cap, categorizing as per styles; value & contra, sectorial/thematic funds, ELSS (Equity Linked Savings Scheme) etc.

The current pandemic has shifted the focus of retail investors towards debt mutual funds. A debt mutual fund, also known as a fixed income fund invests in bonds and other debt securities. It invests in Treasury bills (T-bills), Government securities (G-secs), Debentures, Commercial Paper, Certificates of Deposit and others.

When you compare Equity Funds vs. Debt Fund, equity mutual funds generally have the potential of generating higher returns over the long-term. If you have a long term horizon and have a risk capacity to bear volatility, then an equity mutual fund is for you. However, if you are looking for a short-term horizon of less than three years, then you might consider investing in debt mutual funds that are relatively less volatile and has potential to help you achieve short term goals.

A portfolio mix of equity and debt mutual funds has potential to help to minimize downside risks due to market ups and downs. Last but not the least, a periodical review is needed to ensure that the assets you have invested in are aligned to your intended goals. As you near your financial goals, you may want to have a greater proportion of your portfolio invested in debt mutual funds than in equity mutual funds. Those who are starting to invest and do not have too many financial obligations and to investment for long term may choose to invest a larger portion of their investments in equity mutual funds.