4 distinct gifting ideas for men

4 distinct gifting ideas for men

Shopping for men can be a tricky. Usually, we end up gifting our dads, brothers, friends, and partners a tie or perfume, or a watch. But gifting these same items on every special occasion can be boring. Instead, you can surprise them with something practical which shows that you care for them. So, if you’ve been struggling to decide on a gift for them, here are four unique gift ideas you can check out now.

Massager
No one wants to deal with pains and aches all through the day. But lucky for us, there is nothing better than a massage to uplift one’s spirits and tackle the tension and soreness in the body after a long day at work. That being said, massages and spa days can cost a hefty penny. On the contrary, a massager is affordable and makes for a great gift. When gifting your friend, you can try giving a massage gun for more targeted massages and to tackle muscle soreness. You can also gift your friend, sibling, or partner a back, neck, and shoulder massager, which uses heat and deep tissue massages to relieve soreness.

Smart mug
Have you taken your hot cup of coffee or tea and left it out to move on to another task, only to return to a cold cup of coffee? Well, this glaring issue can now be solved. All you need is a smart mug. Most smart mugs allow you to keep the coffee or tea at the perfect temperature of your choice for a period of time. The mug can also be connected to the app, and you need to recharge it with the help of the charger/coaster that comes along with your machine. This makes for a unique gift for the upcoming holiday season.

RFID blocking wallet
Gone are the days you would gift your partner a plain and simple wallet. Our accessories should keep up with the times. So, instead, you can gift a wallet with RFID-blocking capabilities. These wallets protect your monetary items in more ways than one. For example, your physical cash and cards will stay safe in the compartments of the wallet. The anodized plates at the front and the back of the wallet will also ensure that the wallet lasts for a long period of time. Just underneath the anodized plates, these wallets usually have an RFID-blocking plate, which prevents the digital theft of money and other information.

All-in-one sandwich maker
Another unique yet practical gift you can give someone is an all-in-one sandwich maker. This makes for the perfect gift, which is easy to use, clean, and can prepare your sandwich within a few minutes. All-in-one sandwich makers come in different sections to cook different foods in one go. They can also be used to make waffles, croissants, and more. You can shop for this cool product on various online shopping portals and send it as a gift.

In addition to these, a digital subscription is also an interesting gifting idea. In particular, you can consider buying the Wall Street Journal’s digital subscription as a gift. The plan offers unlimited access to the Wall Street Journal website, daily crosswords and puzzles, audio versions of articles, and premium articles.

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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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Get the best Christmas gift cards from these retailers

Do you hear the bells jingling and smell the pie baking? Christmas is approaching, and the offline and online worlds are abuzz with activity. The festive season is an exciting time to redeem gift cards and coupons, check every item on your shopping bucket list and surprise your loved ones with presents. We are here to help you with some hacks that can earn you gift cards and vouchers this Christmas: Groupon® Groupon's app and website provide various coupons, cashback offers, and gift cards for customer purchases. In addition, it hosts several entrepreneurs, including restaurateurs, manufacturers, and retailers, and lists its products, serving as a credible avenue for such groups to attract their target customers. Simultaneously, it is a lucrative platform for buyers, offering several benefits and gift coupons. You can avail of several offers and deals on Groupon® this Christmas! Rakuten Rakuten lists several of your favorite stores, offering rebates and discounts on purchases. It also provides a comprehensive list of coupon codes, saving time and effort. Essentially, when Rakuten receives a commission from stores for providing them with customers, it presents this amount to customers as cashback, ensuring a win-win situation for all the parties involved. Currently, you can use the coupon code CYBER25 to avail of 25% off and 12% cashback on Boll & Branch products. Moreover, the promo code YAYBF25 can earn you 12% cashback, Black Friday BOGO, and free shipping on EyeBuyDirect products. SweatCoin This free app is your best motivator to avoid a sedentary lifestyle and sweat it out. SweatCoin pays individuals "SweatCoins" for every step they take, encouraging people to be physically active. You can exchange these SweatCoins for gift cards, clothes, iPhones, or cash. Ibotta You can use this app to earn cashback offers on your day-to-day expenses like groceries, clothes, and travel. The money saved on Ibotta can be exchanged for gift cards. Currently, Ibotta's referral code PJDLSCG may be used to get a referral of up to $30; an additional seasonal bonus of $10-$50+ awaits those who refer more friends! Survey Junkie Another easy way to earn a quick gift card is to take surveys on Survey Junkie, a free app offering a wide range of surveys. You can choose your surveys based on the topics that interest you and receive gift cards. This app is a clever way to answer some questions and get rewards for your Christmas shopping! Dabbl Dabbl allows users to win gift cards by providing their views on various brands. Whether you have been using a brand loyally this year or would like to point out some areas of improvement for certain products, this app is a helpful platform to express your opinions and be rewarded. Dabbl offers gift cards from leading online retail sites and your favorite restaurants. So, consider letting the Christmas celebrations begin with Dabbl rewards! Christmas holidays bring with them cheer, love, and loads of excitement. Gift cards and online offers act as cherries on the cake, allowing you to save money and enjoy an extravagant festive season. Visiting some of these platforms and following some simple steps is all you need to earn exciting gift cards this Christmas! You can also check out Kohl’s e-Gift cards worth anywhere between $5 to $300. These cards can be used to make payments on all trending products on the official website and at stores across the country. With Kohl’s e-Gift cards, you can give your loved ones a chance to shop for their favorite products during the holiday season. Additionally, one can check out official seller and retailer sites to find many other incredible coupons, discounts, and gift cards. For instance, Yeti’s official store offers great outdoor products, such as high-quality vacuum-insulated stainless-steel drinkware, ice chests, soft coolers, and other accessories. Further, Yeti bags and gear are great for adventure seekers and make the perfect gifts for the holiday season.

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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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Handy tips for retirement-focused investments

Handy tips for retirement-focused investments

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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4 popular credit cards for college students

4 popular credit cards for college students

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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What you must know about guaranteed business loans

What you must know about guaranteed business loans

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

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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How to qualify for a reverse mortgage

How to qualify for a reverse mortgage

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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