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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.

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Kids need protecting

Insurance that provides a monthly payment covering the cost of your mortgage if you can't work due to a total disability.

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Does your mortgage (or the prospect of one) feel like a weight on your shoulders? Imagine how much heavier that weight would feel if you were unable to work and couldn't meet your monthly repayments?

Consider that you may be forced to sell your home – something no one wants to face when they are unwell.

Protecting your mortgage is common sense – it's the one thing you can do to ensure that no matter what happens to you, your home and family is secure.

If you are not working, due to an illness or accident, and you are unable to perform those duties of your pre-disability occupation, that are necessary to produce income, then you may be eligible for a claim.

 

Getting the best advice is critical, and your cover should included a premium cover which means if you go on claim, the cost of your premium during that time will be taken care of as well.

Another option to consider with advice is choosing how long you want to wait before your benefit is paid. If you want to pay a lower premium then you can choose a longer waiting period – 4, 8 or 13 weeks. To determine the 'waiting period' that is appropriate for you work out how long you think you could cover the cost of your mortgage before you needed assistance.

Other benefits to consider are a partial payment being made if you are only able to work in a reduced capacity so you can ease back into full-time work by making sure that you do not suffer financially and the waiver of waiting period if your disability recurs within six months of going off claim.

Mortgage Repayment Cover is the most cost effective way to protect your home, by making sure that your monthly mortgage repayments are met if you get sick and are unable to earn an income.

For more information on our Mortgage Repayment Insurance talk to one of our Advisers on 07 578 3863 or Freephone 0800 867 323.

Income Protection Insurance, Mortgage

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