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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 Family.

Something You Need to Know About Life Insurance

If you already have Life Insurance you need to know about this.

If you don't have life insurance then you probably want to know about this...

Should have known.A pretty standard feature of most life insurance policies today is something that none of us really like to talk about: Terminal Illness Benefit. It is a way of paying out the life insurance while you are still alive if you have been diagnosed with a terminal illness.

Nobody actually wants to claim on their life insurance. Not ever. The sad reality is that many people aren't fully prepared for the financial impact on themselves and their families if they are diagnosed as being terminally ill.

What is even more sad is many clients forget about this benefit in their life insurance policy in their time of highest stress... and it is there waiting to be used.

Of course one of the things to be aware of is that often when somebody has been diagnosed with a terminal illness and the life insurance benefit is paid out, much of the insurance money goes on trying to provide the best possible treatment and care. That is perfectly logical, reasonable and to be expected. It often presents an issue for the surviving family though.

Insurance funding which was set up to clear a mortgage for instance gets used to pay for medical treatment instead, and suddenly the family finds itself in a position where despite having the insurance to begin with, it just wasn't enough. The question we urge clients to consider is: will there be enough money "left over" to meet your family's needs after your policy has paid for any costs resulting from a terminal illness?

It is a great feature in a life insurance policy, and it is often the difference between clients having a good chance of fighting a terrible illness or not. It is usually a built-in feature these days (so they don't charge you any extra premium for having it), but it does mean you need to think perhaps a little more carefully about getting your sum insured at the right level.

If you or your loved ones are diagnosed with a terminal illness talk to your insurance company, either direct or through your broker to check out the options available on the policy.

Insurance, Life Insurance

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