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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.

Income from Life Insurance?

Would you prefer Life Insurance to pay the family an income?

One of the innovations in lifThree Kidse insurance in recent years that remains a bit of a mystery to many is a type known as “Family Income”, or “Family Protection”. It is life insurance that works the same way as other types of life insurance to get a claim, but the method of paying it out is very different. Instead of paying one large lump sum of insurance to a grieving family, it pays it out an agreed rate per year, for an agreed number of years.

Many families would far rather receive a regular income over a period of time, rather than that one large lump sum.  For many, it seems as though the money magically lasts longer as it is far easier to budget and use the payment wisely.  When a family has a life insurance claim, no matter which family member it is that has passed away, it is a time of the worst emotional stress.

The burden of tough decision making with large amounts of money suddenly just adds further stress and pressure.  Even at the best of times investing or using a large sum of money wisely can be intimidating.

With Family Income insurance it supplements any other life insurance or disability income protection insurance you might have. That is, it gets paid in addition to those other insurances. Many people are beginning to use both lump sum life insurance policies together with this cover so that in the event of a tragedy the family can pay off the mortgage and any large debts, and also have an ongoing income.

Isn’t that what you really want life insurance to do?

To discuss your life insurance options talk to Jonathan York on 07 578 3863 or email This email address is being protected from spambots. You need JavaScript enabled to view it. for a free no obligation consultation.

Life Insurance, Income Protection Insurance

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