Gift Cards for Christmas!

(ARA) – Just like clockwork, after indulging with family and friends on Thanksgiving, the holiday shopping season was off and running, with eager gift seekers lining up and clicking through for Black Friday and Cyber Monday finds. But as the holidays inch closer, the seasonal spending spectacular can start to take its toll. The stress to select the perfect gift grows, and that pressure can cause you to choose something that may be outside of your budget just to check it off a list. Giving a great gift can be easier and more financially friendly than scouring the racks and websites. Gift cards are a perfect option to keep your holiday spending, and your sanity, in check while also giving your loved ones what they want.

Stress-free shopping

For some, the hassle of crowded stores coupled with the pressure of giving a great gift can cause holiday anxiety. According to a recent TD Bank holiday shopping poll, more than one-third of respondents believe the greatest holiday shopping stresses lie in not knowing what to buy or worrying whether the recipient will like the gift. Choosing gift cards for some people can alleviate the stress of giving a bad gift, and the recipient has the benefit of buying exactly what he wants.

Convenience is in the card

Gift cards are available at many locations, including banks and retailers. Be sure you look into the card’s policy before purchasing. Some gift cards will charge an activation fee. However, there are cards out there that are fee-free, meaning you pay the value of the card and nothing else.

“Cards like the no-fee TD Bank Visa Gift Card, have the added convenience of coming gift-boxed, ready to give and accepted just about everywhere, making this a convenient, hassle-free gift,” says Nandita Bakhshi, executive vice president and head of products at TD Bank. “Giving a gift card reduces shopping stress, you spend exactly what you intend to, and are less likely to get caught up in the season and spend more money than planned.”

Don’t break the bank

Though many of us have visions of a holiday budget dancing in our heads, the TD Bank poll also reveals a startling portion, nearly 40 percent of people admit to going over their set budget. One of the primary reasons for deviating from a holiday spending plan: getting caught up in the holiday spirit and simply not thinking about how much is being spent.

With gift cards, you spend exactly what you intend to, and are less likely to get caught up in the season. Also, review your holiday shopping budget before heading into stores or shopping on the Web. Use online resources to research deals, find discount codes and determine if you’re buying the best gift at the best price for a loved one.

Practicality prevails

In addition to helping the buyer to maintain money merriment, gift cards can also keep the recipient in budgeting bliss. Given the not-so-solid economy, consumers are increasingly looking to use gift cards for not only leisure items but for practical, everyday expenses. So whether used for groceries, gas or that new outfit they’ve had their eyes on, gift cards allow the recipient to buy exactly what she wants or needs.

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Smart shopping tips to keep your credit healthy

(ARA) – ‘Tis the season to be jolly, but for most Americans, it’s also the season to shop. While the items on your shopping list are sure to make gift recipients happy, being mindful about financial stress and maintaining good credit should remain top-of-mind.

Going overboard on holiday purchases is all too easy when you’re caught up in the spirit of the season. As many as 14 million people responded to a recent Consumer Reports survey admitting that they’re still paying off purchases from last year’s holiday season.

“If it’s taking more than a year to pay off purchases, you’re possibly on the way to damaged credit,” says Barrett Burns, CEO of VantageScore Solutions, LLC. “The short term enjoyment that you might get from a purchase could be far outweighed by potential stress that could come later when those credit card bills come due. Resolve now to head into the new year with good credit, which will alleviate a lot of headaches and allow you to take advantage of record low interest rates.”

If you make smart shopping decisions now and throughout the year, you’ll be protecting yourself from financial stress down the road. But it’s also important to remember that even if you’ve already overspent this season, you can still make wise decisions about your credit going forward that can help you in the long term. During this holiday season, keep these credit score tips from VantageScore Solutions in mind.

When shopping
* Apply for credit sparingly. While there are plenty of tempting offers and advertisements for credit cards, every new credit card account will appear on your credit report. Too many new credit card accounts over a short period of time can potentially damage your credit score. While the temptation might be there, you should apply for credit with the same thoughtfulness you’d use when making purchases with a credit card.

* Plan ahead. Credit scores take into account how much available credit you have. If you are planning on making a large purchase on credit after the holidays to take advantage of favorable interest rates, consider limiting the use of your credit cards during the holiday. This will not only allow you to retain your available credit balance, but can help you in getting the best interest rate for that big purchase.

If you’ve overspent
* Reduce your balance. A lower balance can help to improve your score and leave room for unexpected expenditures. A good rule of thumb is to try to keep balances under 30 percent of your total credit limit. For example, if your credit card limit is $3,000, try to keep your balance under $900. While it is important to pay all of your credit obligations, try to put more effort into bringing down higher balances to under the 30 percent threshold.

* Make payments on time. Establishing a positive payment history by paying your credit obligations on time, each and every month can have one of the biggest impacts on your credit score. Don’t let one missed or late payment potentially damage your credit score that you have worked hard all year to maintain. Also by maintaining a good credit score, you can help ensure that you get the most favorable interest rates on your credit accounts.

Taking a thoughtful approach to shopping – and paying off your shopping bills – can help you not only buy what’s on your list, but keep your credit score in good shape for the future. To learn more, go to www.vantagescore.com and visit www.creditscorequiz.org to test your knowledge about credit scoring.

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Spread your holiday cheer abroad

(NC)—Trying to find the perfect holiday gift for a friend or family member in a far off place can be difficult. However, ensuring that it arrives on time and in one piece shouldn’t be.

“To ensure holiday packages arrive on time, it is important that shippers follow some basic tips when preparing to ship their packages”, says Nando Cesarone, vice-president of operations at UPS Canada.

UPS offers the following five tips for sending shipments internationally this holiday season:

1. Do your research and make sure the item you’re shipping will be allowed into its destination country. Many countries have restrictions for public health or economic reasons. Knowing these limitations beforehand will ensure you make a wise purchasing decision.

2. Customs declaration forms should declare everything in the package being shipped. Omitting any item from the declaration form can result in your package being detained or seized at border crossings.

3. Be sure to clearly label every package with the name of the recipient, his or her address and the destination country. Providing the recipient’s and shipper’s phone numbers also helps expedite movement of the goods.

4. Place an additional shipping label inside the package. This will ensure that your package reaches its destination even if the exterior shipping label gets lost or damaged.

5. To ease processing and avoid delays, choose an international shipping provider that has a vast international network, and one that allows you to track the location and progress of your shipments online at any time.

“Taking some extra time in the beginning stages of the shipping process can help you avoid the risk of your package being delayed at the border,” adds Cesarone.

For more tips on how to prepare shipments and avoid border delays this holiday season, visit www.ups.com and select the ‘support’ tab.

www.newscanada.com

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Last minute? Tips to handle your shopping list

(ARA) – Do you find yourself in the last-minute-gift-buying category this year? Maybe time got away from you, or you just don’t know what to get for the gift recipients on your list. Even though the clock is ticking, the good news is there’s still time to find great gifts with special deals attached.

Shopping online will help you accomplish finding all those last-minute gifts you still need. You can glean ideas through online searches, and then find those gifts in multiple stores without having to leave your house. Here are some tips to make online shopping work for you:

* Ideas aplenty: If you have a teenager on your list, try searching for technology for teens to help you find unique tech toys that will fit your budget and put a smile on the recipient’s face. Do the same kind of searches for everyone on your list, using phrases like “gift ideas for,” “senior,” “mother,” “youth,” “hands on,” or “crafty.” If the recipient has a specific hobby, search for gift ideas related to that hobby and you might discover the perfect gift.

* Compare and save: Once you have an idea, there’s a good chance several vendors will have it available for sale. It’s much easier to view several websites giving product details at once than to drive from store to store in the winter weather and take copious notes. Things to check out when making comparisons: Cost, shipping cost, speed of shipping, gift wrapping availability and the company’s return policy.

* Coupons and discounts: Once you find the store that offers you the best deals on the gifts you’ve chosen, get further discounts through Ebates.com, which gives you cash back on your purchases. For example, if you decide to purchase an outdoor adventure gift from REI for your camping-loving brother, you will receive a check at the end of the quarter for 3 percent of your purchase. That’s in addition to any coupons or discount codes for free shipping Ebates.com can give you for your purchase. Even though you’re last minute, you don’t have to overspend on your gifts.

* Shipped in the nick of time: Online retailers will advise you the last recommended date to ship to have your gift arrive in time for the holiday and also advise you on any additional charges that may be required for next-day delivery. As mentioned before, some retailers provide gift-wrapping services, so you only need to complete the purchase transaction, lean back, relax, and know that your gift will arrive in time for Santa to come down the chimney.

Don’t let your last minute timing have you in the gift-giving dog house this holiday season. But don’t delay any longer. Boot up your computer, lean back in your chair and start checking off the people on your gift-giving list.

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Top five gifts for her under $50

(ARA) – Finding a perfect gift doesn’t always mean spending a ton of cash. Whether it’s a handy gadget, a fashion accessory or a day’s worth of spa-quality pampering, the following gift ideas for women are all available for $50 or less.

An MP3 player for musical enjoyment
A workout partner, a travel companion, a convenient way to enjoy music on the go; an MP3 player makes the perfect gift. The tiny Sansa Clip Zip MP3 player is affordable, easy to use and comes packed with features such as an FM radio, a stopwatch for timing laps and a larger color screen. The player is compatible with virtually all audio formats, including DRM-free iTunes, and comes in seven colors.

Scarves for keeping cozy
Scarves are the perfect accessory for the stylish woman’s wardrobe. For sophistication, choose a soft pashmina; for a casual, organic look, a chunky knit scarf should do the trick. Classic colors like black and beige are always a hit, but bright hues of purple, blue or red are also popular this holiday season. With so many materials and designs available, you’ll find the perfect one to fit her unique personality.

At-home pampering
Women love the spa, but with treatments so expensive, many consumers are opting for the affordable indulgence of at-home pampering. A foot bath can revitalize tired feet at the end of a long day and a back or neck massager can relieve tension. For a personalized present, create a gift basket of manicure essentials such as files, buffers, scrubs and fun shades of nail polish. Remember, not all gifts come wrapped with a bow; take the kids for an outing and give mom some alone time, or cook her favorite meal and do the dishes afterward.

Glam up the cell phone
Every modern woman owns a mobile phone, and it’s not just for texting, calling and surfing the Internet; a phone can serve as an extension of personal style. Mobile phones and matching accessories come in every theme imaginable, from diamond sparkles to sleek black leather and bright neon designs. For an added touch, mix fashion with utility by including a helpful accessory like a car charger, hands-free headset or pair of ear buds.

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(NC)—The growing popularity of charitable gift catalogues proves Canadians are thinking twice about traditional holiday gifts like expensive clothing and décor items that will just add clutter; opting instead to value "what matters most"—experiences, memories, and connecting with friends and family. And although the reasons for charitable shopping are as varied as Canadians themselves, the end result is the same: Canadians are using their holiday shopping to make a difference. Shoppers are flocking to reputable Canadian charitable websites like Christian Children's Fund of Canada (www.ccfcanada.ca) to find the perfect gift. And with prices starting at $10, it's easy to find something for everyone on your list while at the same time providing a meaningful way to bond with others both at home and around the world. Foodie in your life—One kilogram bag of rice: $10 A non-perishable one kilogram bag of rice is a staple in many countries and will provide hungry children with a guarantee of at least one hot meal per day. Teacher/Child Care provider in your life—Dictionary: $15 A building block of education no teacher or student should have to do without. Under $20/Hostess gift—Warm blanket: $20 Even in Africa, nights are chilly and children get cold. Give a child a warm blanket to protect them from the elements and provide them comfort throughout the night. Stocking stuffer –Fruit trees: $20 Fruit trees provide families with an excellent source of vitamins A and C, and enhance a child's immune system to protect them from illness. Produce from trees such as bananas, papayas, mangos, coconuts and oranges can also be sold for additional income. Last minute gifts—Two mosquito nets: $30 One million people die from malaria every year, with pregnant women and children the most vulnerable to the disease. A simple mosquito net can protect a family of four. www.newscanada.com

(NC)—The growing popularity of charitable gift catalogues proves Canadians are thinking twice about traditional holiday gifts like expensive clothing and décor items that will just add clutter; opting instead to value “what matters most”—experiences, memories, and connecting with friends and family.

And although the reasons for charitable shopping are as varied as Canadians themselves, the end result is the same: Canadians are using their holiday shopping to make a difference.

Shoppers are flocking to reputable Canadian charitable websites like Christian Children’s Fund of Canada (www.ccfcanada.ca) to find the perfect gift. And with prices starting at $10, it’s easy to find something for everyone on your list while at the same time providing a meaningful way to bond with others both at home and around the world.

Foodie in your life—One kilogram bag of rice: $10

A non-perishable one kilogram bag of rice is a staple in many countries and will provide hungry children with a guarantee of at least one hot meal per day.

Teacher/Child Care provider in your life—Dictionary: $15

A building block of education no teacher or student should have to do without.

Under $20/Hostess gift—Warm blanket: $20

Even in Africa, nights are chilly and children get cold. Give a child a warm blanket to protect them from the elements and provide them comfort throughout the night.

Stocking stuffer –Fruit trees: $20

Fruit trees provide families with an excellent source of vitamins A and C, and enhance a child’s immune system to protect them from illness. Produce from trees such as bananas, papayas, mangos, coconuts and oranges can also be sold for additional income.

Last minute gifts—Two mosquito nets: $30

One million people die from malaria every year, with pregnant women and children the most vulnerable to the disease. A simple mosquito net can protect a family of four.

www.newscanada.com

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Should you use credit for holiday buying? Yes, no and maybe

(ARA) – When it comes to the use of credit to fund holiday shopping, people tend to fall into two extremes of thought. Some believe in a cash-only approach to holiday spending, while others think it’s impossible to get through the holidays without maxing out their credit cards.

For most, the approach that allows you to spread cheer without breaking the bank exists somewhere between the two extremes. Using credit during the holidays should be just like using credit at any other time of year. If you do use it, you should use it wisely and avoid overspending.

Using credit can make sense for holiday shopping, especially if you’ll be buying big-ticket items (such as electronics) and could benefit from the extra layer of consumer protection that many credit cards afford. Buying with a credit card can also yield financial rewards; many credit card companies offer incentives such as cash back to encourage credit card use during the holidays.

So, how do you make decisions about credit use that will keep your holiday season bright without putting a damper on your personal credit and cash flow in the months – and possibly years – to come? The credit experts at Experian offer a few tips:

1. Establish a budget – The holidays arrive at the same time every year, and we all have 12 months to plan for them. Give yourself a very early gift, and start your holiday budgeting in January of each year. Decide how much you’ll spend on holiday gifts and how much you’ll need to save each month to accrue that amount by the time the holidays arrive. Set that amount aside in an interest-bearing account.

2. Check your credit – It’s always a good idea to understand your credit and know your score before you make any big credit moves, such as funding your holiday shopping with credit cards. Websites like www.freecreditscore.com make it easy to check your score and learn about how your credit moves may affect your score and your overall financial well-being.

3. Make a list – You’ve got your budget in mind, now it’s time to decide how you’ll use your money. Create a detailed gift list of who you’ll be buying for and what you plan to purchase or spend for each recipient. Having a plan in hand before hitting the mall can help ensure you don’t resort to budget- and credit-busting impulse buys.

4. Keep your credit under control – Although incentives from credit card companies can help save you cash during the holiday season, those incentives may not be a good enough reason to open a new account. Don’t be tempted to open new accounts in order to fund your buying or to get a discount or better deal. Opening too many accounts in a short time frame can negatively impact your credit score. Instead, look for incentives from cards you already have and use.

5. Don’t spend beyond your means – It can be tempting to overspend on credit cards, especially during the holidays, thinking you’re just spreading the cost of your purchases over a few months. Remember, when you buy on credit and take more than a month to pay off the balance, you’re not just spreading out the cost, you’re increasing it. The same holds true for those tempting low-APR promotional checks sent by credit providers. The vast majority of those promotions incur fees, thereby increasing your total purchase price while potentially simultaneously damaging your credit profile. If you can’t afford to pay off your balance in a month or two – and minimize the cost of using credit – then you probably should reconsider how much you’re spending.

Gift giving is one way we show the people in our lives that we care about and appreciate them. By keeping an eye on your credit and making smart credit moves, you can ensure the holidays stay happy for all, including your wallet.

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iPad

I have a very important man in my life, my husband, who I shall be shopping for very soon.  I was thinking about how easy it is to get crappy gifts for men.  It may be because shopping for men seems harder to me than shopping for women. I can always score points with a pretty purse, perfume or candle for the ladies.  So, here are a few ideas of gifts that my man, my husband, might enjoy receiving this holiday season:

Fun Tee-Shirts:  My husband loves funny and eclectic tee shirts.  He wears about two or three different ones a day.  It drives me crazy, but I love him!  My favorite places to get unique and fun tee-shirts for men are: Threadless.com, ShanaLogic.Com and JohnnyCupcakes.com

Tech Gadgets: My husband loves anything high tech.  Anything at all.  From our fancy schmancy thermostat to electric soap dispenser, he loves it all.  I’m sure I will have no problem finding something we don’t already have.

iTunes Gift Card:  Classic, tried and true.  My husband will never have enough apps downloaded or music to listen to.  This is a definite must on my Christmas shopping list!

Electronics:  He is dying to have a iPad.  Will he get one?  That remains a big question!  Another idea is a gaming system, but that could be bad.

Music Equipment:  My husband is a musician.  A very talented musician at that and has the ability to play the guitar, mandolin, key board, Uke and more.  I like to nurture that hobby and getting something music-related is always a nice option.

Gift Cards:  The bowling alley, his favorite restaurant or even for some clothes shopping, gift certificates always make him happy!

Something for the Dogs:  Although this is not technically for my husband per se, he enjoys making the dogs happy and giving them new toys, bones, treats.  This could be a nice way for Daddy to be the star and give the pups some new goodies.

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Holiday planning for cash-strapped Canadians

(NC)—For many Canadians, 2011 was a rough year. Layoffs, family emergencies, and poor investment choices have meant you’re counting pennies and struggling to pay off debt. And, with the pending holiday season, you’re stressed about finding money in the budget for appropriate and meaningful gifts. After all, with holiday parties, seasonal decorations, and multiple trips to the mall, December can be a difficult month for even the most organized of budgeters. So what should you do?

Start early. By purchasing a few gifts every month – instead of leaving everything to the last minute—Canadian shoppers can take the time and effort to source out sales, buy in bulk, and shop around for the best deal. In addition, starting early often means spreading out the cost of Christmas shopping over a few pay cheques, which decreases the stress felt by most shoppers in December.

Think outside the box. Gifts given in the name of a loved one from a charitable organization are available year round (perfect for early planners) and are tax deductible—a definite bonus for shoppers on a budget. Organizations like Christian Children’s Fund of Canada offer life saving gifts for children and families living in extreme poverty, which benefits both the giver and the recipient. You can visit their website at www.ccfcanada.ca/Gifts.

Invite people in. Hosting a holiday potluck is a wonderful way to show appreciation to loved ones. Giving your time to someone else is more valuable than anything you can wrap in a box. Plan ahead and organize a get-together that will build relationships and result in warm memories.

www.newscanada.com

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Low-cost gamer gifts that keep on giving

(ARA) – Video gaming’s popularity is at an all-time high – in fact, a recent study from Memorex shows four of five families have at least one gaming console in the home. This holiday season, skip a pricey console purchase and give your favorite gamer a gift that keeps on giving. Here are four gift options under $25 that won’t break your budget and will keep video game fans entertained well into the new year.

*The gift of style
If your resident gamer is a trendsetter – or if your family is just bored with black and white – add style to your next game night with console customization. For less than $20, you can purchase skins for your favorite gaming console and accessories through custom gaming skins services offered online. From colors and textures to your own photographs, these services will use your chosen visuals and transform your drab console into a gaming masterpiece. A simple online search for “custom gaming skins” will point you to a service with the style that best suits your family.

*The gift for gamers on-the-go
Keeping kids entertained while on the go has never been easier thanks to the range of portable consoles now available, including the Nintendo DS. The new challenge: keeping track of the tiny, expensive game cartridges. At just $19.99, Memorex’s Universal Game Selector Case is the ideal solution. Compatible with all Nintendo DS consoles, it holds up to three games that can be played without being removed from the case – so games are less likely to be lost while kids are out and about. Powered by the DS console, so no batteries are required, other gamer-friendly features include LED-backlit speakers and a stylish D-pad. The Universal Game Selector Case is available at Target, Wal-Mart, Sears and Kmart.

*The gift of games, games and more games
Keeping up with the latest video games is expensive, with top new titles debuting at nearly $50 each. And nothing is worse than spending big bucks on a game that rarely gets played. This season, avoid the debate over which title to buy and give the gift of a video game subscription service. Gamers can “try before they buy” and exchange games for new titles as often as they like – a great alternative to spending hundreds of dollars on games that may collect dust. The most popular services are just $22.99 a month, with more than 7,000 titles to choose from.

*The gift for gamers in-the-know
Many gamers gobble up news about their favorite consoles and games like food on Thanksgiving – their appetites are seemingly endless. No matter which console your gamer prefers, you’re sure to find a magazine that caters to their interests. If digital news is more their style, some gaming magazines offer digital editions at a discounted rate from the print edition. Gaming magazines subscriptions are available for less than $20 per year, and most some come with bonuses like reward points or exclusive access to game demos.

For other gamer gift ideas, visit Memorex.com or the Memorex Fan Page on Facebook.

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