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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 Protect Your Business.

Protect Your Share of the Business

What is Share Transfer Protection?

Hand ShakeFor owners of businesses where there is more than one owner, one of the biggest concerns is how to make sure the business can change hands if something happens to one of the shareholders or partners.

For example, two shareholders own a business together and one of them became too ill to be able to continue.  How do the owners make sure that one owner can carry on with the business, and the other gets to withdraw their capital?

The solution is to put in place a plan that is triggered if a disaster happens.  This is how it works.

 

SHARE TRANSFER PROTECTION

STRATEGY:

To guarantee the transfer of shares or business interest at a pre-determined value or valuation method from one owner, to the remaining owner/s.  This ensures that a fair and equitable price is paid for the business interest and enables surviving owners to carry on with the business under their control.

Key Element:

Have an agreement signed by all parties recognising what is to happen, and when, by whom and at what cost.

How to fund it:

An insurance policy on the lives of the owners concerned is put in place, in order that a sum of money equal to the value of the shares, or as close as practical, is made available on death or disablement of a shareholder to provide cash to effect the agreement. The insurance will pay for the ownership transfer.

Insurance

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