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11 best Christmas gift ideas for women

11 best Christmas gift ideas for women

With Christmas only a month away, it is the perfect time to brainstorm ideas for the perfect gifts the women in your life would love and appreciate. Be it your mom, sister, friend, or significant other, there is a chance you are scratching your head trying to find the best Christmas gift for her. Buying a gift that touches their heart is more important than a perfect one. Check out a few options here.

Jigsaw puzzle
Gift the women in your life the power to unwind for a few hours. Jigsaw puzzles are an ideal way to step away from the hustle and bustle of daily life and just be focused on the task at hand. It is also a great family activity.

Robot vacuum
You can do her no greater favor than relieving her of her cleaning and vacuuming duties. Go big this time and present her with a robot vacuum cleaner that will save her some time and effort.

Coffee maker
Starting the day right is crucial to set the tone for the rest of the day. Make sure hers is always starting off the right way with a great coffee maker. Put it in a basket with some of her favorite blends to make this Christmas special.

Charlotte Tilbury gift set
Charlotte Tilbury is a beauty brand that many women love. Chances are the women in your life have their list of the goodies they want to buy this year. Surprise them with some of the brand’s bestsellers and watch their faces light up.

Hair styling tools
Hair styling is a serious and time-consuming business and requires some magic tools. Add to her collection by gifting her products from brands like Dyson, Revlon, BaByliss, and others.

Smart mug
Women who multitask are often left sipping drinks that have turned cold. Because who wants to reheat their tea and coffee? This Christmas, gift them a smart mug that will keep their drinks heated.

Travel case
Traveling is easier when you have an organized suitcase with you. And that is possible if you have a pouch or a case to safeguard your belongings. Make their work and vacation travel easier and more stylish by getting them packing pouches and travel cases.

DIOR goodies
Women all around the globe have been going gaga over DIOR’s Natural Glow collection. This Christmas, make her jaw drop by getting one of these designer gift sets. They might even get a cute makeup bag they can reuse as they want.

Pajama set
There is no better feeling than slipping into your bed at the end of a long, hectic day. That feeling is elevated when you have the softest jammies to wear to bed. Gift her the finest pajama set money can buy this Christmas.

Personalized Stationery
We have never known anyone who doesn’t jump with joy at the sight of some good quality stationery. Get your woman some personalized stationery they can use and stand apart from everyone else.

Fragrance
Jo Malone, DIOR, TOM FORD, and Ralph Lauren are all brands that offer sophisticated fragrances. Help her find her new favorite signature fragrance by gifting her one of the most coveted perfume options.

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A handy guide to buying the right laptop

Laptops are powerful portable tech that is versatile, compact, and fast, making them the preferred choice. However, the best laptop for you is the one that complies with your needs. Now, there is a plethora of laptops in the market. This makes choosing the right device a daunting task. To help you, here is a guide to help you buy a laptop as per your needs and the best ones available in the market. Plan your budget Thanks to tough competition between laptop brands, you can buy a laptop for as low as $200. But if you can increase your budget, you can buy a quality laptop with better performance and features. Laptops like HP Stream and Dell Inspiron 11 3000 are the least expensive, costing about $150-$200. Laptops costing $900 and above have faster processors, cutting-edge graphics, and powerful resolutions. Moreover, they are lighter, making them efficiently portable. Pick your operating system Do you want a Windows or a macOS? There is no wrong answer, as the choice of the operating system solely depends on your preference. If you are confused, here’s a brief summary of each. Windows 10, Microsoft’s latest operating system, is the most flexible. Moreover, laptops with Windows OS are generally inexpensive and offer features like touch screens and dual graphic chips. On the other hand, macOS Big Sur is Apple’s latest desktop operating system and is expensive. If you are a tech wizard and know your way around an OS, you can also choose operating systems like Chrome OS and Linux. Specifications As per your needs and budget, opt for the most powerful processor, as processors influence the performance and speed of the laptop. Most laptops have an Intel® processor, although some laptops even come with an AMD processor. Inexpensive laptops offer Intel® Atom®, Intel® Celeron®, and Intel® Pentium® CPUs that are good for light document editing and browsing. However, if multitasking and speed are important to you, then opt for an Intel® Core™ i3, or better yet, an i5 or i7. Next, you should check the RAM size. Most offer only 4GB RAM space. However, experts recommend that you opt for a minimum of 8GB RAM. Furthermore, get a laptop with a solid-state drive (SSD) since these are three times faster than a hard drive. Consider buying a laptop with a minimum of 9-plus hours battery life with a 12.5- to 14-inch screen size. Top 5 laptops of 2021 To further help you, here are the five best laptops of 2021: Equipped with an 8th Gen Intel® Core™ processor and 16 GB RAM, the Google Pixelbook Go is the perfect choice if you’re looking for a fast and efficient laptop. Along with a great processor and impeccable response rate, this laptop boasts of a touchscreen display that can play 4K videos. If you’re looking to upgrade your laptop, checkout Google’s laptops on sale and save big this shopping season. The Dell XPS 13 offers excellent performance, 3.5K OLED touchscreen, i3-i7 processor, option to choose an 8GB or 16GB RAM, SSD storage, powerful display, and a sleek design. The Apple MacBook Air with the latest M1 chip provides an outstanding 14-plus hours of battery life and lightning-fast processing speed. Next is the Microsoft Surface Laptop 4 that is powered by the Intel® Core™ i5/i7. It comes with features like touchscreen, top-notch graphics, and up to 1TB SSD storage. Finally, don’t forget to check out the latest IdeaPad Slim 7 by electronic giant Lenovo. The recently-released laptop comes with a 15.6” display, 11th Gen Intel® Core™ processor, 512 GB SSD storage, Dolby Atmos® Speaker System, and a whole lot more. If you find this laptop a bit pricey, don’t worry. There are several fantastic deals on Lenovo laptops right now, and you can grab this one at a lower price from the company’s website.

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14 best gifts to get him this Christmas

Buying a gift for the man in your life can often be a difficult task. Even if they claim they don't need anything, there are a bunch of unique gifts that can make them feel special during the holiday season. Take note of the activities they enjoy, such as golf, football, racing, or baking, and take a look at this special curation of 14 best gifts for him this Christmas season. Weekend bag A weekend bag is as practical a gift as it can be fancy. Add a little extra thought and have it personalized with a monogram for the man in your life. 3-in-1 wireless charger The 3-in-1 charger is an excellent gift for a man who loves to be organized. This charging station lets him charge his phone, AirPods, and his watch all at once. Coffee maker A warm cup of coffee in the winter is sure to spread joy! A stylish, smart coffee maker can enhance your man's brewing experience. Nintendo Switch If your partner loves to game, a Nintendo Switch is a great way to keep playing on the go. The device comes with three modes of playtime, allowing him to game wherever he wants. Sunglasses Help him upgrade his style quotient with a sleek pair of sunglasses. Classics like Aviators are a great option for staying on-trend. Candles If he is into home decor, candles make for a delightful gift. Explore fragrances he may enjoy, such as leather or ember-scented candles. Sneakers Sneakers are a comfortable go-to for most men. Gift him an elegant pair with a leather finish that can instantly upscale a casual look, and add more oomph to his outfit. Speakers For the audiophile in your life, buy a quality Bluetooth speaker, such as the Marshall Emberton Portable Bluetooth Speaker. This one is resilient, waterproof, and lightweight, so he can easily carry it around. Consider gifting someone the ultimate movie-watching experience with premium surround sound systems, ceiling speakers, and soundbars powered by Dolby Atmos technology. Alternatively, if you want the perfect party essentials, check out the latest Sonos® speakers and the Bose 251 outdoor speakers. If you are looking for old-school style, you can consider retro Bumpboxx® speakers. Further, explore excellent Bluetooth speakers and gadgets on the TopTech website. Smartwatch A smartwatch is a sensible investment as it tracks health and often lets us move around without our phones. Buy him this stylish and useful accessory for Christmas this year, and watch him enjoy it all year round. Driver-drill kit If he is the ultimate handyman, buy him something useful, such as the Makita Cordless ⅜" driver-drill kit, that works flawlessly for various projects. Robe Pamper him with a comfortable robe like Parachute's Cloud Cotton Robe. This luxe robe comes in various colors, so you can pick one that is perfect for him. Noise-canceling headphones For music lovers who like to drown out the world, there is no better gift than a quality set of noise-canceling headphones. Adjustable dumbbells Help him complete his home gym set with a pair of adjustable dumbbells, like the Bowflex SelectTech 552, which can easily be adjusted from 5 to 52 pounds. Gas pizza oven Make grilling season more fun with a gas pizza oven perfect for creating delicious stone-baked pizzas. The Ooni Koda 12 Gas Pizza Oven perfectly fits onto most grills and can make hosting much more fun.

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4 tips that can help you pick the right investment advisor

4 tips that can help you pick the right investment advisor

An investment advisor can be a game-changer. A capable advisor can help solve most of your financial issues and give you the best investment advice so that you can turn market situations to your favor. But, finding the right investment advisor is not easy. Here are a few things you need to keep in mind while looking for the best investment advisor. Know what type of service you need First, you need to decide what kind of financial assistance you need. Do you need help picking investments? Or are you seeking advice on real estate, retirement, or insurance needs? Asking yourself these questions will help determine the type of investment advisor you are looking for. Nowadays, many people use a robo-advisor, which is as competent as a human investment advisor. A robo-advisor is great for investment management and other basic investments. But if you want substantial transformation in your money-situation, a human advisor is the viable option. Choose a fee-only advisor If you’ve decided to pick a human advisor, the next step is to choose the type of advisor: commission-based, fee-based, or fee-only. If you’re planning something big financially, you must pick a fee-only advisor. Such advisors work for and get paid by other clients like you, so they always act in their clients’ best interest.
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With pension plans becoming more and more obsolete, retirement-focused investments have come to the fore in the past few years. Besides helping you fund your future, these valuable assets also provide incredible gains, and in some cases, constant income till the end of life. Since investing for retirement—and planning it—can prove to be challenging, we have put together a list of tips that may be helpful in the process. Assess your options Multiple investment vehicles are ideal for long-term gains and can return a sizable amount by the time you retire. Mutual funds, stocks, bonds, exchange-traded funds, cash investments, annuities, and dividend reinvestment plans (DRIPs) are also good sources of high returns, although they depend on investor characteristics and risk aptitude. Saving money in certain tax-advantaged accounts such as 401(k), individual retirement accounts (IRA), and brokerage accounts is also an option. Start early and young No one is ever too young to invest. It’s a healthy habit that can earn serious money in the long term, with even the smallest of investments capable of making a difference a few years down the line. Starting early gives your money time to grow and lets you accumulate more compound interest over a period of time.
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A good credit score is essential as it can be a criterion for lucrative job prospects or renting an apartment. Moreover, a good credit score is an uncompromisable necessity while applying for a loan that has terms and conditions that favor you. To ensure that you have a good credit score, it is better to start building it young and early. One of the easiest ways to do so is by applying for a student credit card from prominent credit cards companies. Now, there are several credit cards companies that offer lucrative credit cards, making choosing the right one confusing. To help you narrow down your choices, here are some of the best credit cards companies that offer student credit cards. Bank of America® Travel Rewards Credit Card for Students: One of the biggest credit card companies in the country Bank of America offers a slew of benefits with its student credit card. With each dollar spent using this card, students can earn 1.5 points. This applies to purchases without any caps. The points can be redeemed as discounts on hotels, flights, rental cars, and vacation packages. There are no restrictions or blackout dates applicable for availing these discounts. With no foreign transaction fee or annual fee, the card allows one to earn nearly 25,000 points on spending about $1000 in the first 90 days.
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If you’re looking for funding your small business with a loan, you’ll most likely come across the term “guaranteed business loans.” People often misunderstand this term as business loans that are guaranteed to be approved. But, this is not what guaranteed business loans means. To clarify the confusion, let’s understand what the term actually means, and discuss the most popular types of guaranteed business loans. What are guaranteed business loans? In simple terms, guaranteed business loans in the world of small business loans refer to loans that are secured or backed by a guarantee. The guarantee can be in the form of collateral, deposit, or an agreement. This essentially means that the lender is guaranteed to receive their money back even if the borrower fails to pay. When we talk about guaranteed business loans, we refer to loans with a personal guarantee or, more commonly, loans guaranteed by the small business administration (SBA). Let’s take a look at both these types. Personally guaranteed business loans As you understand from the term “personal,” when you make a personal guarantee on a business loan, you essentially agree to sell your assets to pay off the loan, if your business is unable to do so.
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5 mistakes to avoid when investing in a high dividend ETF

Exchange-traded funds (ETF) have been gaining popularity in the investment sector for some time now. Along with mutual funds, they have been one of the most preferred investment options among investors. With investors having pumped in billions of dollars in ETFs by now, these funds sure seem like a lucrative investment avenue. However, financial experts suggest treading this path carefully so as to avoid unforeseeable losses. Here are a few mistakes that you can avoid while investing in high dividend ETFs: Overlooking long-term investment Looking at long-term goals is the golden rule when it comes to any type of investment. However, seasoned investors invest in ETFs on a short-term basis through a type of trading called intraday trade. This type of trading allows the investors to buy and sell stocks and other investments on the same day. However, if not thought out carefully, investing in high dividend ETFs through intraday trading can result in lower returns and higher trading costs. Buying an ETF simply based on its name This is one of the most common mistakes people make when investing in high dividend ETFs. Investors may think that an ETF’s name provides an insight into its investment reach, i.e., whether the ETF has local or/and global investors.
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A reverse mortgage provides the elderly access to equity in their homes and supplements their income. With its flexible repayment option, it gives homeowners more control over their money. However, the government has laid out strict rules and guidelines concerning reverse mortgage eligibility criteria. So, if you’re considering a reverse mortgage, read on to know the reverse mortgage eligibility criteria and the types of reverse mortgages. Reverse mortgage eligibility criteria The first criterion for a reverse mortgage is that the primary homeowner must be at least 62 years of age. If your spouse is under the age of 62, you might still be eligible if you meet other reverse mortgage eligibility criteria. If you’re not 62 or older than 62, then you won’t qualify for a reverse mortgage even if you satisfy the criteria mentioned below. You must be the primary resident of the home you’re seeking a reverse mortgage for. Note that vacation homes or rental properties do not qualify. You must either entirely own the house or have at least 50% equity in it. If you have any mortgage balance remaining while applying for a reverse mortgage, you must be in a financial position to pay off that balance.
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