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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.

Health Insurance - Can you afford not to have it?

At one time, health insurance was only for those who preferred to use the private health system. But times have changed.

With the cost of medical treatments and the availability of new procedures and drugs increasing, more and more New Zealanders are going private.

While urgent treatment is always available through the public system, people can find themselves in a slow-moving queue for those ailments that aren't immediately life threatening.

The solution

Health insurance eliminates waiting on public waiting lists, getting you treated and on the way to living normally again as soon as possible. That is its primary benefit for most people, and why it is worth considering.

There are other benefits from private health insurance including allowing overseas treatment, accessing different treatments, treatments not available in the public system and assisting with family support in time of crisis or rehabilitation.

To help you decide whether you should consider health insurance, ask yourself the following questions:

  1. Is it likely that I would require medical treatment sometime in my life?
  2. Can I afford to cover it myself if I don't want to wait six months or more?

Surgery is expensive, listed below are some examples of common procedures (with indicative costs as at January 2010):

Cardiac bypass (heart surgery) .... $37,000-$45,000
Total Hysterectomy (surgery) .... $10,000-$13,000
Radiation Therapy (1 course of treatment) ... $15,000-$27,000
Knee Replacement ... $19,000-$23,000
Knee Arthroscopy ... $4,000-$5,000

It is an unfortunate fact that most of us do not get through life unscathed. Health insurance provides peace of mind that, if the unforeseen does happen and the public health system cannot help you, you can afford to get expert medical treatment when you really need it.

Sources:

ACC Levy Consultation 2010/11 (http://www.nzmea.org.nz/documents/669-acc_work_levy_rates_for_employ.pdf)
Reserve Bank Of New Zealand (http://www.rbnz.govt.nz/)
Health Funds Association of New Zealand (http://www.healthfunds.org.nz/pdf/Fact%20File%20oct2010.pdf)
NZ Institute for the Study Of Competition and Regulation Inc. (http://www.iscr.org.nz/f650,18412/18412_Health_nonprofit_governancce_in_NZ_May_24.pdf)
NZ Ministry of Health – Elective Services (http://www.moh.govt.nz/moh.nsf/indexmh/Elective+Services-Elective+Services)

Research from the Southern Cross Medical Care Society 2009

Health Insurance

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