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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 Insurance.

Why do health insurance premiums increase with age?

In its simplest terms, insurance premiums go up when the cost of paying out claims increases.

When it comes to medical, or health insurance, the claims increase as clients get older and therefore premiums have to rise to fund the claims.

There are several other significant factors that contribute to the increase in premiums:

  1. Access to the public heath system often takes longer, so private health insurance pays a higher price for quicker access.
  2. New medical technology is very expensive; so new treatments and new drugs push up medical expenses much faster than many other costs
  3. New Zealand’s population is getting older on average, and increasing in its reliance on the health system.

The chart below shows quite clearly that the average claims costs increases the older clients get, which is the key driver of the increasing premiums.

Insurance Claims by Age

If you are concerned about your the existing health insurance coverage or its costs then you should review it. Please don't just cancel health insurance without considering your options, for example you can probably reduce your premiums by increasing your excess.

Insurance, Health Insurance

  • Last updated on .