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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 KiwiSaver.

When to Review Your KiwiSaver plan

When to Review Your KiwiSaver plan

KiwiSaver has rapidly become a "set and forget" savings strategy for many New Zealanders... they join and get the initial incentives, most contribute and enjoy the additional contributions from employers and the government... and then they forget about it.

For many though KiwiSaver will turn out to be one of the biggest contributors to self sufficiency in retirement... so it definitely should not be a "set and forget" superannuation plan.

Here are the big questions that suggest you may have fallen into the "haven't thought about it" trap. If you answer "YES" to any of the questions, then you really should review your KiwiSaver plan:

  1. Is it time yet?I don't know how my KiwiSaver fund account is performing.
  2. I don't know how much it is likely to provide in retirement.
  3. I don't know if I am getting the maximum tax incentive and employer contributions put into to my KiwiSaver account.
  4. I didn't choose any particular plan or fund – it was chosen for me.

There is already enough guess work in planning for retirement, and if you aren't thinking about how to make the most of your KiwiSaver account then you are leaving it ALL to guesswork.

If you'd like to understand your current KiwiSaver investment better, or don't have KiwiSaver and would like to discuss your options please feel free to call us on 07 578 3863 to make an appointment. The first half hour is free!

KiwiSaver Logobayfinancialpartners.co.nz is operated by Bay Financial Partners Limited  and is not endorsed by, or affiliated with, the government or Inland Revenue. Bay Financial Partners Limited is using the KiwiSaver trade mark and logo under licence from Inland Revenue. To view the official New Zealand government KiwiSaver website, please click here.

KiwiSaver

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