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Christmas Present Tips for Guys

Christmas Shopping Tips for Guys

giftgreen1Most of us guys are useless at Christmas shopping. Here's a few tips I've picked up over the years.

Ladies, you might want to share this with the men in your family to avoid getting an undesirable and badly wrapped present this Christmas.

  1. Buying your Christmas presents at a petrol station or dairy on Christmas morning really isn't the done thing - apparently not everyone wants a funnel, box of biscuits or a car care kit. Don't do it.
  2. Get started early, no not on Christmas Eve, yesterday was already too late.
  3. First thing in the morning is the best time to Christmas shop, and I mean first thing, teenagers are still in bed.
  4. It's not the thought that counts, it's how MUCH thought that counts.
  5. Cash is a GREAT present for teenagers - and me.
  6. If you must give gift vouchers make sure they are from a shop the recipient actually shops in and try and avoid those with an expiry date.
  7. Wrapping and cards are important, you and I know it's just paper but for some reason they are important.
  8. Before you start browsing in a shop check that it does gift wrapping and accept the service - wait if necessary. If the shop doesn't do gift wrapping move on to the next. Unless you are an expert present wrapper - Yeah Right!
  9. Even if every present you buy is gift wrapped, buy plenty of wrapping paper and sellotape. You are going to need it because dairy's and petrol stations don't gift wrap and being a bloke you'll probably ignore number 1.

Guys ignore the above at your peril and have a wonderful Christmas.

Posted in Risk vs Reward.

Types of Risk

Eleven different risks commonly identified in investment markets

  1. Market or Systemic Risk - Impossible to avoid if you are invested at all and difficult to diversify. It is the risk that the whole market wont perform to expectations.
  2. Specific or Business Risk - The risk relating to a specific business or investment asset. Easily diversified by investing in a number of different businesses and or assets.
  3. Market Sector Risk - Relates to a particular sector of the market such as fixed interest or shares. Can be reduced by diversifying investments across different sectors.
  4. Financial Risk - The risk of the loss of funds due to the investment failing.
  5. Economic Risk - Risks associated with macro-economic factors such as inflation or Government monetary policy.
  6. Inflation Risk - The risk that the real value of your investment will fall if you don't earn at least as much as the inflation rate.
  7. Political Risk - The risk that changes to Government Policy may occur. May be due to a change in Government or a change in policy.
  8. Liquidity Risk - The risk that you may not be able to sell your investment when you want to sell it without accepting a price considerably less than "market".
  9. Timing Risk - The risk that you may by or sell assets at the wrong time. Inadvertently buying high and/or sell low.
  10. Opportunity Risk - The risk that you are unable to take advantage of a better return in a different investment.
  11. Information Risk - The risk that information about an investment is incorrect or that others have access to information before you.
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