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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 Insurance.

Five Health Insurance Tips

shockedfaceOne of the more confusing, and slightly scary, insurance areas is health insurance, or medical insurance.

Policies are highly technical in terms of the definitions that are used, the medical jargon, and what will or won't be covered. It is one of the toughest areas to get right – even for trained professionals. But here are 5 quick tips to help make it a little easier to consider health insurance:

  1. If your employer offers cover, or a subsidised scheme, look into it. It can be a really valuable addition to your employment package, and help with your personal financial planning.
  2. Comparing coverage types is tough, but start by deciding whether you need as many expenses covered as possible, or just the really big bills like operations and hospital admissions.
  3. The lowest premium is not a good indication of a good policy. This is an area where you really do get what you pay for – and cheap is often a false economy that leads to disappoikntment.
  4. Work out what you are NOT covered for in any plan – there is usually quite a bit.
  5. If in doubt, get advice. It is one of the most challenging and complex areas of personal insurance. It is also one of the toughest to deal with in the event of a claim, and it is an area where a good adviser can make a huge difference to the performance of the plan at a time of crisis.

Health Insurance

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