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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 Retirement Planning.

Why is “Retirement” planning different for Women?

Women face all the problems that men face in planning for retirement, and then some! 

Here are the key differences that affect retirement planning for women:

  • Women live longer than men on average, so their savings have to be budgeted to last longer.
  • Many women don’t get the same income earning opportunities as men, therefore it takes more of their “in the hand” pay to generate the same results as men.
  • Women often have more conservative attitudes to risk, so they aim for lower returning (safer) investment funds.
  • Women often take a few years out of the workforce to do unpaid work

However...

 In general terms women have certain advantages over men in the investment field.  

Women generally are more patient.  They are more willing to read and learn and understand what is happening to their money.  Women tend to be more disciplined investors and savers.  They are more open with their professional advisers. 

In essence, women often earn less money – but are better with it.

What I hear from many women when it comes to working with a professional adviser is that they want:

  1. Information to help them make their own decisions
  2. A trusted and patient adviser
  3. Choices

We understand that, and deliver it.

Budgeting

  • Last updated on .