We all know that the holidays are meant to be a time of joy, but how do you find the right presents for all the people on your list when you don’t have much cash to spend?
The best thing is to think small. If you can get someone something they really want (like their favorite book or toy), you can always add a little extra in case it doesn’t fit perfectly within your budget.
Here are some great things that will make wonderful gifts that cost less than $20.
A book is an easy gift to give and one that most people love. Whether you’re looking for a classic like To Kill a Mockingbird or more modern reads like The Girl With the Dragon Tattoo, there are tons of books out there for everyone on your list.
You may not even realize that you already own some of these favorites, so take a look at what you already have. You might just find yourself with another copy of Harry Potter. Or maybe you have a few copies of the Twilight series lying around. That’s okay! Just remember that they’re all cheap enough to buy again.
When it comes to buying books for friends, you should probably try to stick with ones that aren’t too expensive. Your friend will likely appreciate getting something inexpensive, but if you’re giving them a $50 book then they’ll feel ripped off. You can also look online for used book stores. There are actually quite a few places where you can pick up used books for almost nothing. Here is a great resource for finding used books for cheap. It includes links to eBay and Amazon as well as other sites.
If you’re looking for a gift card, here are some great options.
Amazon Gift Card – This one seems obvious, but we thought it was worth mentioning because of its popularity. Amazon is probably one of the largest companies in the world and has a very wide selection of products available. Plus, if you know anyone who shops on Amazon at least once per year, this would make a perfect stocking stuffer.
Walmart Gift Card – Walmart is another large company with a lot of different categories of products. They sell everything from electronics to clothing, and many of those items are under $25. Plus, you can use it at any store in the chain—so even if your friend lives far away, they can still shop at their local Walmart.
Target Gift Card – Target is another huge retailer that sells anything from clothes to furniture. They have a decent selection of items from less than $25, which makes it ideal for stocking stuffers.
Kohl’s Gift Card – Kohl’s is a department store known for its low prices, but their selection isn’t limited to clothing. They also carry a wide variety of household goods, toys, and other types of things that could make great stocking stuffers.
Just about every major retailer offers gift cards for sale, so go through your old receipts and see if you have anything left over from previous years. You might be surprised by how much money you can save this holiday season by purchasing gift cards.
Jewelry is another type of gift that costs less than $20. When it comes to jewelry, it can be difficult to choose between rings, necklaces, earrings, bracelets, etc., so we put together a quick guide to help you identify the best jewelry for your budget.
For rings, you’ve got several choices. A simple band is usually the cheapest, but it often doesn’t match well with other pieces of jewelry. So you might want to consider getting a ring with a pendant attached. Rings with pendants come in a variety of styles and colors, so you can find something that matches pretty much any outfit. And the best part is that a good-quality necklace will last forever. Necklaces are also a great choice if you know you want to upgrade later. You can easily change the color from black to red without spending a ton of money.
Earrings are another great option for cheap jewelry. Many pairs of earrings come in sets of three or five. These are especially helpful if you’re trying to get a set of earrings that will coordinate with clothing while staying within your budget. Also, if you plan on replacing the earring after a short amount of time, you won’t have to purchase a new pair of earrings for each occasion.
Bracelets are another popular choice for cheap jewelry. In addition to being able to customize the style of bracelet to match whatever you’re wearing, you can usually find a nice set of bracelets that will cost you less than $20. Some bracelet designs last longer than others, so if you’re planning on replacing the bracelet before it wears out, you might want to invest in a nicer one.
Writing instruments are another common type of gift that costs less than $20. Pens are a great way to show someone you care because they’re such an important part of everyday life. But pens can be expensive, especially if you’re going for a high-quality pen. For example, some fountain pens can cost thousands of dollars, so it’s better to get a cheaper model instead.
If you want to keep things simple, you can check out pens that come with ink cartridges. Most of them offer a fairly wide range of ink colors, so they’re perfect for writing letters or notes on paper. If your person likes to write down ideas, then you should definitely consider one of these.
Of course, there are plenty of other kinds of writing instruments. But they tend to be pricier than pens. They include a wide range of ballpoints, mechanical pencils, rollerballs, markers, and many others. So unless you know exactly what your recipient wants, it’s probably best to stick with a basic pen.
Key chains are another item that costs less than $20. They’re a great way to show your support for a cause close to your heart. Plus, they’re simple enough to make that you can attach a message or special quote to the keychain itself.
There are a bunch of different types of key chains you can choose from, including a variety of novelty key chains like tassels, pom-poms, and snowflakes. Then there are the traditional keys that have been customized with a picture of the recipient. The best part is that these key chains can also double as a unique gift idea.
But there are also a couple of other ways to personalize your key chain. You can print messages directly onto the key chain using a laser printer or a home computer. Then you can cut out a picture of your receipt and glue it on top of the printed message. If you don’t have a printer or cutting machine handy, you can also order custom key chains from a website like Etsy.
The holiday season is a time of year where giving gifts can be very stressful. It can become difficult to find something that will make your loved one happy and you can end up spending more than you intended.
If you’re looking for some gift ideas, there are a few things that you should keep in mind to ensure that you get it right this year. You could check here at hnonline.
A Business Holiday Gift Idea
Businesses are always on the lookout for new products or services but they don’t have much time to spend looking for presents. That’s why many companies offer businesses their own line of business-specific gifts that they can give as a present.
For example, if you work at a restaurant, then a kitchen appliance might be an appropriate gift idea. If you work at a retail store, then a retail item would be appropriate. And if you work in another industry entirely, then a service like a massage or spa treatment could be a great gift idea for business associates.
If you work in an office environment, then it’s important to remember that you’re probably going to have coworkers of various ages and backgrounds. So, when considering what kind of gift idea to buy, it’s important to think about the people who may receive these items.
As such, office supplies like pens, pencils, notebooks, sticky notes, notepads, and other small items like those tend to do well as gifts. They’re easy to use and they’re also relatively inexpensive so they’re perfect for almost any budget.
While computers aren’t necessarily considered office supplies, they’re still frequently given as holiday gifts by employers because employees often take advantage of them for personal use. As such, if you want to buy a gift for someone who works in an office setting, then a computer is a good choice.
In addition to being used for work purposes, computers are also commonly used for entertainment. While they’re usually thought of purely for gaming purposes, they’ve become increasingly popular for other types of entertainment too. As such, if you want to get something that your loved ones can enjoy, consider getting them a computer.
Cell phones are pretty much ubiquitous these days. In fact, it’s hard to go anywhere without seeing somebody walking around with a cell phone. This means that if you’re looking to buy a gift for someone who doesn’t already own one, then you might want to consider getting them a cell phone as a gift.
Cell phones aren’t just used for making calls anymore either. People are now using them for texting, social media, music streaming, video calling, games, and lots more. As such, if you want to get something that your loved ones can use, then consider buying them a cell phone as a gift.
Home decor is also becoming more popular all the time. This means that if you want to get something that your loved ones can use, then consider getting them a home decor item. Home decor items range from things like lamps, rugs, pillows, picture frames, decorative dishes, vases, paintings, clocks, mirrors, figurines, candles, and even plants. These items are often given to family members as thank yous for birthdays, anniversaries, and holidays.
For example, if you know a woman who recently had her birthday, then you can easily get a nice piece of jewelry made into a beautiful pendant and frame. You can hang it above her bed to remind her of past adventures and to show her how much she means to you.
One of the newest trends in technology is the rise of “smart” devices. Smart devices are gadgets that are connected to the internet and allow users to interact with them through apps. These devices include things like smartwatches, fitness trackers, smart speakers, smart TVs, smart thermostats, and smart lights. As such, if you want to get something that your loved ones can use, consider buying them a gadget.
This is a great way to get them involved in your life as well. For example, you can get a smart watch to wear while you exercise so that you can check the time while you’re doing things. You can get a fitness tracker if you’re interested in tracking your physical activities. Or you can get a smart TV to use instead of cable television so that you can watch whatever shows are available online whenever you want.
It’s a great way to get your loved ones involved in your life and to bring fun into their lives. And it’s a great way to save money since you won’t have to pay for additional cable fees.
Another thing to keep in mind when shopping for a gift is whether to buy locally or to buy online. Many people prefer to shop locally simply because it gives them a chance to see the product before they purchase it. But if a local retailer isn’t offering the exact item you want, then you can use the convenience of online shopping to get exactly what you want.
If you’ve only got 24 hours to spend in Vegas, your plane had better be arriving early. Once you land, grab a cab and, if it’s Sunday, tell your driver to take you straight to Palms—you’re going to brunch at Simon. It’s all you can eat of everything from sushi to crepes to lobster Benedict. Don’t forget to have cotton candy for dessert!
If it’s not Sunday, you’re going to the legendary Peppermill. Peppermill has enormous portions of all your favorite diner food, and drinks are cheap so you can start your party early. This place is old-school Vegas, and it turns into a swanky lounge at night. Next door to Peppermill is a half-price ticket booth. Stop there before or after you eat and see which Cirque shows you can see that night for a discount. You’ll be happy with any Cirque show except for Zumanity or Believe. Those shows are terrible—try and see O, Ka, or Mystere.
Normally on a trip to Vegas I’d insist that you get out off the Strip and explore all the fantastic outdoor activities at Mt. Charleston and Lake Mead, but with only one day to play, you just don’t have time. So once you’ve eaten your full, take a Grand Canyon helicopter tour. Tours last several hours, and you’ll see amazing views of the Grand Canyon’s south rim. You can find tour providers online, and many have booths on the Strip.
When you get back, head over to Pink Taco at Hard Rock or In-and-Out Burger for lunch. I offer this choice because if you live in a city that doesn’t have In-and-Out, you have to go. You haven’t lived until you’ve eaten one of their delicious burgers. Don’t go to the location near the Strip; it’s always crammed with tourists. Head for the one just off the Strip on West Sahara.
It’s time to hit up a world-class Las Vegas pool. The best pools are at Palms and Hard Rock. Lounge in the sun and have a daiquiri or three while you relax. Afternoons at the pool are the best times to meet cool people to hang out with later.
After you’ve had enough sun, head indoors for drinks and gambling before dinner. You can casino hop if you want to see as much of the Strip as possible, but be warned that the lines for cabs get longer and longer as the day goes on. My favorite casinos for gambling are Caesars Palace, Luxor, and Venetian. If you’d rather gamble off the Strip, head out to Red Rock on Vegas’s west side. While you gamble, drinks will be free, so don’t make the mistake of overpaying for a beer at the casino bars. Wait for a cocktail waitress to come by, and be sure to tip her at least a dollar for each drink.
For dinner, head over to T&T at Luxor. T&T has delicious Mexican food and you usually don’t need a reservation. You can sit at a normal table, or sit at a bar overlooking the Luxor’s casino floor. Order the nachos for an appetizer and the enchiladas for your main course. If you want to try a local Vegas favorite, try the Naked Fish instead. It’s a hole-in-the-wall sushi joint about 15 minutes away from the Strip.
It’s time for Cirque du Soleil. Get to the show with plenty of time to spare—you don’t want to be that guy who walks in ten minutes late. Everyone hates that guy. After the show you can hit up the champagne bar at Venetian or head straight for the club. My faves are Lavo at Palazzo, Bank at Bellagio, and Pure at Caesars. Celebrities often make appearances at these clubs, so check online before you go to see who you might run into.
Here’s a rundown of your Vegas in 24 Plan:
- Hit up Simon or Peppermill for brunch
- Make friends at the Hard Rock or Palms pool
- Grab some drinks and gamble before dinner
- Have dinner at Luxor’s T&T or the Naked Fish
With the introduction of low-cost auto finance, auto financing has become simpler for all kinds of people. No matter how much you earn, this financial option will always enable you to avail a vehicle without getting a hole in your pocket.
The availability of low-cost auto finance in both secured and unsecured forms have broadened its usability. No matter whether you possess a home or not, no matter whether you are ready to pledge a security or not, you can always opt for these loans according to your choice.
Low-cost auto finance will always enable you to get 90-100% finance and for that making any down payment is not a must. These loans can be obtainable for 2-7 years. And you can get any vehicle financed. Even more, low-cost auto finance will enable you to get a used vehicle financed as well.
Do you have no credit? Do you have the credit problems like CCJ, IVA, arrear, default or bankruptcy? Do not worry! It won’t defer your possibility in availing low-cost auto finance. You can always go for this option and for that, your credit problem won’t be a huge restriction.
Of late, low-cost auto finance is also available online. A number of sites are donation a chance to grab low-cost auto finance. But, online option is believed to be more effective when it comes to a better deal on low-cost auto finance. First and foremost subsidy of this is the chance of making application anytime. Besides, online auto loan calculator, no requirement of paperwork, obligation free services are some of the positive aspects of the online option.
So, avail low-cost auto finance and see how quick you can get your dream vehicle financed without exceeding your budget. You can choose any vehicle even used ones to get financed with this option.
Life insurance is simply that’an insurance policy on your life. You purchase a life insurance policy from a qualified provider, paying them a premium. The premium is either paid monthly or in a lump sum (usually annually or every six months). The insurance company then agrees to pay an agreed upon amount of money after the insured person dies. The amount of money paid from a life insurance policy goes to the policy’s designated beneficiaries in a lump sum payment. If no beneficiaries are designated, then the payment is made to the estate of the deceased.
There are two kinds of life insurance policies: Term insurance policies, also called protection policies. Term insurance is temporary, for a set term of years, providing your family with coverage for a specific number of years for a set premium (although premiums typically go up as you get older).
Term policies have no cash value. Basically, you buy protection in the event of death and nothing else.
Investment policies: these are commonly called permanent life insurance. The objective with permanent life insurance policies is to grow capital with the payment of either regular or single premiums. Permanent life insurance is also known as whole life insurance. This type of life insurance provides life time coverage as long as the policy premiums are paid. The premiums are fixed, and unlike term insurance, there is guaranteed cash value. The insured can access this cash for emergencies, retirement or other expenses.
The type of coverage you buy generally depends on the goals you want life insurance to accomplish. Many people find that term coverage suits their needs, if they just want to make sure that their bills are paid and that their heirs receive some cash after their deaths. Other people want a reliable source of cash accumulating year after year as they pay their premiums. You can speak with qualified life insurance agent to determine which kind of policy is best for you.
Life insurance policies usually cover death, although they may also cover dismemberment or serious illness, and give extra benefits in the event of accidental death, depending on the policy purchases. Proof of death or injury is always required before payment, regardless of the type of coverage. Remember, to get your coverage, you will have to get a physical examination from a company-approved doctor to give the company an accurate picture of your medical history. And even after you pass your physical, the coverage does not start before premiums are paid. Once premiums are paid, the policy is activated.
A qualified life insurance provider can give you the answers to all your questions. Let them help you customize your life insurance coverage to meet the needs of your family.
Tom Martens is the content syndication coordinator at Lifeinsurance-Southafrica.co.za South Arica?s leading Life Insurance and Life Cover portal.
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The risks to property are many and varied: theft, fire and water damage, to name a few. Your response depends on the type of loss you face, but here are some hints to get you started:
Assess the damage as well as you can. This will make the call to your insurance company more relevant and more meaningful. If you have a camera, you can take photos or videos of the damages you will be claiming for. Documentation is going to be a part of this process, so having accurate information is extremely helpful. Inventory your losses and make sure you list everything that’s missing or damaged.
Do not make repairs unless necessary and try to leave things as they are. This is part of establishing your claim with your insurance provider. Nevertheless, if more damage is occurring and your safety and security is at risk, you can try to mitigate the damage by making necessary repairs.
If the damage you experienced has left your house unfit for habitation, contact your insurance provider. You may be eligible for additional coverage over and above the ordinary package you are entitled to.
What about my Deductible?
All property policies incorporate a deductible. What this means is that you will pay the first part of loss. So, if for example, you have a $500 deductible and you’re claiming for $20,000, you’ll pay the first $500.
What about my Repairs?
We know that choosing a contractor, the choice is yours. Once the repairs are complete, make sure they are satisfactory. Review your appraisal and inspect the repairs to ensure they meet your expectations.
Many insurance providers offer a discount when no claims are made. It normally applies to the year next following a complete year of making no claims. Under these circumstances, you won’t have higher premiums but you can lose out on a discount and this can raise the overall insurance costs.
If you make a number of claims in one year however, there is a good chance that your monthly premiums will increase. This varies based on your individual insurance provider and even which insurance product you’re claiming on. The change in your premiums will likely be affected by how often you claim, and what the values of your claims are. Usually providers look at customers who claim regularly as being a higher risk, and so they will charge you more than someone who is considered to be low risk.
This will ultimately vary depending on the severity and complexity of your claim and the subsequent repairs and replacements required to correct your loss. However, in an emergency situation your insurance provider will have provisions in place to help you in as many ways as possible and correct the immediate issues as quickly as possible.
To access more resources, visit alberta condo insurance or see Square One Insurance for the fastest and easiest online quote.
With the price of cars and fuel, automobiles can’t be the only way to get around. Perhaps peeking into a few international transportation alternatives will inspire you to take on a more pocketbook-friendly form of commuting.
1. Dog sleds
Although dog sledding has largely been replaced by the snowmobile, you can still mush for pleasure or competition. How many people can say they hug their ride and keep it running on kibble?
2. Tuk Tuks
Travelling via tuk tuk means sitting inside a cabin precariously perched atop three Vespa-like wheels that take you whizzing through people-packed municipalities and dusty rural byways, some as fast as 30 miles per hour.
In Africa and the Middle East, the working camel can be easily loaded with goods or passengers, thanks to their ability to kneel, while domesticated camels can take you for scenic traverses alongside the Pyramids of Giza.
If your hometown’s nickname is City of Water,
you’ll need help crossing Venetian canals via a traghetto, or ferry (unless you’ve mastered a more holy form of traversing watery byways). Just don’t expect any serenading.
5. The Shinkansen
If you were traveling 199 miles per hour and were never more than six seconds late, then you’d be hurling along aboard The Shinkansen, or bullet train. With the speed and visage of, well, a bullet, this spectacular feat of Japanese engineering can also be seen in France’s Train Grande Vitesse, or TGV.
6. Horse Driving
From Egyptian chariots to Russian troikas to English hansoms, horses really were the original car. In some parts, harnessed horses are still used for transportation. Horse driving has largely become a competitive sport, or a pleasurable way to see the countryside.
7. Aerial tram
Once used for hauling ore, aerial tramways now carry passengers along mountainous peaks. The Wings of Tatev—the world’s longest aerial tram—travels from the base of Armenia’s southern mountains, over the Vorotan River Gorge, to the lofty Tatev Monastery. At its highest point, you’ll be 1,049 feet in the air.
8. The Air Car
French company MDI have unveiled a car that is literally like riding on air. The Air Car runs on compressed air—nary a drop of gasoline required. This bug-like beauty recently made its debut at the New York Car Show, and production of vehicles is slated to begin in Switzerland in 2011. Incroyable!
9. Tap Tap Cab
They may look like part of a county fair parade, but these elaborately decorated trucks, complete with
benches in the bed, are actually public transportation, so named for the tapping you do with a coin when you wished to stop.
A good choice for the lonely commuter, a boda-boda is essentially a two-seater bicycle taxi found in Africa and Asia. The driver will take you to and fro as fast as his legs can carry him, but if you’re in a hurry, you may opt to hail the boda-boda’s successor: a piki-piki, or motorcycle taxi.
Any of those options sound like feasible alternatives to the conventional and pricey automobile? Yeah, didn’t think so. Of course, you could always walk…now that’s unusual!
First time buyers, couples or young families often consider buying a new property a no-brainer, as long as they can come up with the capital for a deposit. But since the economic crash, house prices have fallen and, although rising, are unpredictable. Nobody can really afford to buy a property with the chance of it decreasing in value but who wants to flush their money away on rent when they could be making an investment.
There are many benefits to renting, maintenance and upkeep is not your responsibility in any way. Most contracts are only around 12 months so after that you can up roots and move on if you wish. There are certain legislations in place to protect you and you have no chance of falling into negative equity.
Unless you find some sort of try-before-you-buy offer, rent is dead money; you pay it and never see it again. Many people over-budget themselves and pay so much in rent that they cannot afford to save for a deposit to actually buy a house. You may get a landlord or agency that is reluctant to spend any money on maintenance and need constant chasing; you should make sure you have a decent landlord who is registered and will put your deposit in the right place as stated by law.
If you can save up enough for a deposit, paying for a mortgage will be paying money into something that should ultimately hold its value if not increase your investment giving you a greater return in the future which can be put towards a bigger property. You can avoid any of the problems associated with a landlord and can ultimately do whatever you want in your own pad, your house, your rules.
Buying a house doesn’t just involve the price of the house, there are plenty of other costs involved such as setting up a mortgage; solicitor’s fees, surveyors etc, this could also include any repair costs needed to make the property liveable. Choosing a mortgage is difficult as you will need to find the right one for you, interest rates can vary and some banks and lenders offer more than others. You will be responsible for the property both aesthetically and legally.
Basically, it comes down to two things; do you have the equity to buy a property? And are you willing to take a risk with an investment? If so, then buy, if not, consider renting below you means for a while.
Many looking for a house rent Wirral often look for Wirral houses rather than flats or property shares which could help save money in the long run.