How your wedding guests can pay for your honeymoon

Starlight Registry has all the usual features of other online wedding registries such as gift lists, photo albums, RSVP and guest list, but this US website also provides fabulous flexibility and security for money contributions.

One of the best features of the site is that the hosts can have instant access to the gifted funds, which means they can be used for that dream honeymoon. (Many travel agents require payment up to 30-45 days before departure which doesn’t help your cashflow much.)

It also means people living interstate or overseas and are unable to actually attend the wedding can still contribute towards a gift.

But what’s in it for the guests? The flexibility to choose to contribute towards one larger, more expensive item rather than a more modestly-priced gift. And you can forget having to lug wedding gifts with you onto trains, planes and automobiles or to pay shipping costs to get your gift to the wedding on time.

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Husbands spend twice as much on mistresses’ Christmas gifts

Directly from the Things That Infuritate You Department comes this alarming tidbit.

Cheating husbands spend twice as much on Christmas gifts for their mistresses than for their wives.

Ashley Madison, the notorious dating website for philanderers, ran a survey to discover that the typical pantsman spends $125 on Christmas goodies for his floozy and only $60 for his poor wife!

The three most popular gifts for wives are perfume, bath and body products, and gift cards while mistresses are more likely to get lavished with jewellery, lingerie, and spa services.

Even worse, while cheaters have continued to spend about $125 on their mistresses’ Christmas gifts over the last 5 years, the amount they spent on their wives has decreased by 22%, being $77 in 2006 for wives and $126 for mistresses.

(Yeah well, while hussies have more spent on them, they don’t know about CPI and the devaluing amount of the dollar.)

And I don’t know what’s most infuriating: that the husbands are unfaithful, they give their wives cheap gifts, or that they’re willing to seek out a special gift for their mistress but not their wife!

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Watch out these four gifting pitfalls don’t ruin your 2011 budget

OK, so the 2010 Christmas horse has already bolted, but the following holiday spending pitfalls can apply to many different gift-giving occasions so are nonetheless pertinent.

Wrap your head around these oh-so-simple budget-saving tips and you’ll never again find yourself in a financial quandary that was completely avoidable.

Homemade gifting is not necessarily cheap
Thanks to the Global Financial Crisis and environmental concerns, homemade gift giving is popular again.

Don’t fall into the trap, however, of assuming the gift is worth less than a proper bought gift just because it cost you under $10 to produce. Remember those other less visible but wholly important factors like time, labour and love and the estimated value of the gift leap can leap by several hundred dollars.

Being “equal” with everyone
You can also go over your budget by trying to evenly distribute the spending amongst all of your recipients. Not only does this place undue emphasis on the monetary cost of each item instead of the recipients’ pleasure at receiving it, it can turn into an endlessly upward spiral.

One-upgiftship
A similar kind of spiral is usually the result of the “one-up” gifting pattern. Don’t get caught exchanging increasingly fabulous gifts with someone purely for the sake of one-upmanship and tacky, old-fashioned showing off.

The “I wasn’t expecting you to give me a gift” surprise
Finally, don’t turn into a “surprised gifter”, by feeling the need to reciprocate a gift from someone that was completely unexpected. If you’ve already used up your shopping budget, this unforeseen spending will be the tipping point into financial messiness, even if you buy something modest.

The best way to avoid this is to keep a spare gift put aside that’s neutral or versatile enough to be appropriate for most people. No one will ever guess that it was just an understudy.

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No idea? You can always give them gifts based on their job

For the working person who has everything (except maybe enough leisure time), here’s a site that should give you some great gift ideas based on the recipient’s occupation (and I can just see it appealing to ever-practical Virgos and let’s-get-down-to-business Capricorns – as gift-givers AND recipients).

OccupationGifts.com, which is a division of Drum Bum Inc. (specializing in music gifts) has a wide range of gift ideas to choose from that are all occupation-based.

Some of the more obscure occupations like bee-keepers or drag queens might not get a look in, but if you’re shopping for any doctors, teachers, dentists, firefighters, chefs, lawyers, nurses or office workers, then there’s plenty of goodies to choose from.

Apart from the usual catalogue of occupational-themed mugs, ties, socks and wine bottle holders, there’s some unexpected items as well for certain hobbies.

The motorcycle cuff links would be perfect for that special biker in your life, and the gourmet kitchen clock sign a sure fire winner for any (amateur) chefs you might know.

Occupational categories include musicians, medical, office, emergency, service industry, sports, transport and artists. The site has a secure shopping cart system with encryption technology for easy ordering, but unfortunately doesn’t ship outside of the US.

Still, you can probably get some inspiration to get something suitable at your local store.

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Why you might worship certain brands instead of a god/dess

Attended church on Christmas Eve or Day? Celebrated Hanukkah or Ramadan?

Or are you returning certain gifts to the store today because people don’t know your taste (aka your favourite brands)?

New research has found that following a particular religion is parallel to being a fan of a particular brand.

Professor Ron Shacher, from Tel Aviv University, says consumers’ religious persuasion (or not) ultimately affects the shopping decisions they make and their loyalty to particular brands.

The results, which examine the connection between religiosity and brand reliance, were recently published in the Marketing Science journal.

The painstaking research examined the number of major brand stores and religious congregations per thousand people in states and countries, then adjusting for economic, educational and urbanization factors.

Deeply religious consumers were less likely to explicitly prefer a particular brand, while more secular consumers expressed their self-worth and identities through corporate brands and logos rather than religious symbols.

The research seems to suggest that we all have a similar built-in capacity for loyalty; and while religious people direct a lot of theirs towards their religion, non-religious people direct theirs instead to consumer brands.

It may be why we feel so offended when someone gives us a gift of a brand that is not of our “persuasion”.

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1 in 2 men found Christmas shopping more stressful than being dumped

Some of the most stressful life events include divorce, losing your job and moving house – and now many men would include Christmas shopping along with these.

A survey by Land’s End Direct Merchants found hell is other people in shopping centres at Christmastime for 48% of men, which is only slightful less stressful than divorce. (Which some of them might endure too if they don’t buy a thoughtful prezzie.)

The most infuriating things about Christmas shopping are traipsing around the shops with heavy bags (90% – the poor luvvies), dawdlers who get in their way (86%),  rude shoppers or shop assistants (83%), screaming children (not theirs – 76%) and queue-jumpers (74%).

The stress continues for men on Christmas Day with awful presents, voted as anything knitted by an elderly relative (27%), and this year’s hit Christmas single (12%) while 32% of women voted anything related to cleaning the house or car as the worst type of gift ever.

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Why 4 in 10 of us keep our Christmas gifts in the closet

Well, it’s not to hide it from the kids who still believe in Santa – it’s because we think that what we’ve received as our Christmas gift won’t be much good!

According to the Visa Gift Giving Survey, an amazing 42% of people still have at least one UNOPENED holiday gift from last year in the back of the closet while 38% (who presumably opened all their gifts) returned at least one item and 28% regifted them.

Giving bad presents costs money. A quarter (24%) estimate the value of Christmas gifts that were returned, regifted or unused were worth approximately $51-$100 each while 11% thought the gifts were worth over $100.

By comparison 85% of consumers would appreciate receiving a branded gift card while two-thirds (65%) would prefer to receive a gift over non-essential items such as a scarf or perfume.

When the respondents were asked how they would use a Visa Gift card if they received one for Christmas, 65% said they would indulge on a special dinner, jewelry, clothing or personal electronics, 57% said to get what they didn’t receive from their holiday wish list,  while just over half (54%) would buy “life essentials” such as groceries or household products, or to pay bills.

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Naomi O, Warriewood, NSW

A better understanding of my 3yr old daughter, it really highlights her very colourful personality !
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Santa isn’t the only one who has your gifts in his sack

According to those fun-loving folk at UK insurance company Aviva, homes are 22% more likely to be broken into on New Year’s Eve.

Aviva has based this startling figure on 10 years’ worth of claims. Why do they break in on 31 December?

Well, homeowners are still full of Christmas cheer. They post what they received from Santa on facebook or Twitter. They announce on Twitter when they’re going away – and where. And unfortunately burglars are into social media, too.

According to Aviva, many homeowners unwrap their gifts, but are unlikely to have installed the software, hooked up the electricals or even begun to use the items, which means they’re still in a brand-new box – a gift (literally) that’s just waiting for an opportunistic burglar to stuff them in his sack.

With the average UK family spending between £250-£650 each on gifts, the typical claim is an average £2,623.

Co-operative Insurance spokesman David Neave adviseshomeowners to use websites such as Facebook, Twitter and Myspace with caution.

“If an opportunist person stumbles across the information which clearly tells them when your house is not going to be occupied, you are vastly increasing the chance it will be burgled.”

Michael Fraser is a man who should know. Narrowly escaping a jail sentence, Fraser, who went straight and co- presented Beat the Burglar on BBC One, said the living room is the first place burglars look.

Fraser said families should follow Santa’s lead and not put presents under the Christmas tree until the last possible moment.

[I noticed when I was in England two years ago how many UK families display their tree - and gifts under it - in their living room which is in full view from the street. Burglars enjoy the view, too but for the wrong reason.]

Fraser says families should never leave boxes or receipts visible from the windows, but keep them together, preferably upstairs and out of sight.

“Don’t keep presents in one place,” he explains, “as it makes ‘shopping’ easier for the burglar.”

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Click It To Gift It Day on 23 December

You already know about Black Friday (the day after Thanksgiving), Cyber Monday (the following Monday after that when everyone shops online), and Free Shipping Day which this year was on 17 December.

Now there’s Click It To Gift It Day happening on Thursday 23 December.

A group of 50 retailers who have online gift card programs through CashStar, a digital gifting and incentives company, have teamed up so shoppers have a one-stop “shop” at www.ClickItToGiftIt.com to buy electronic gift certificates to print out and give to loved ones a Christmas.

There are of course, several websites where people can buy discounted plastic gift cards, but these typically have odd amounts, like $213.67 which makes it really obvious that the gift cards were sold by those who received them and didn’t want them and/or wanted cash instead.

Regifting odd amount gift cards may work for some people but not for others and now we are so close to Christmas you’d be better off buying e-gift cards if you don’t have the time nor inclination to battle the crowds at the mall for physical plastic gift cards.

Click It To Gift It Day retailers, who include Gap, Home Depot, Williams-Sonoma, Dell and Staples, sell e-gift cards for amounts from $25 to $500 which the retailer can email with your best wishes to the recipient’s email address or facebook page.

Plus, you can also personalise the message with video, photos and gift card backgrounds.

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Kiwi women spend, stress more over Christmas than men

A recent New Zealand survey has found Kiwi women splurge and get stressed more by Christmas than men, with 23% reporting they feel more stressed than last year, a three-fold increase compared to just 7% feeling that way in 2007.

For nearly nine in 10 respondents (88%), the top cause of holiday stress was crowds in shopping areas, with traffic and parking (83%) and financial pressures (75%) also stressful factors.

Other things that proved stressful were shopping for “difficult-to-buy-for people”, gaining weight, post-Christmas bills and last-minute shopping.

Men were more stressed by last-minute shopping than women than anything else (probably because women don’t tend to shop at the last minute).

26% said they’d spend more than they should with men planning to spend $200-$299, while women expected to outlay $500-$599.

Since it is mostly women who do the shopping for the rest of the family (ie gifts from “Mum and Dad” – with Dad being none the wiser what he has “bought” for his kids), I’d imagine the moneythat men do spend is largely on gifts for their partner.



The Nile - New Zealand's Largest Online Bookstore

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Shopping online at work costs $1,000 per employee in lost productivity

According to a new survey by Information Systems Audit and Control Association (ISACA), only 3% of IT companies ban their workers from shopping online at work – and you might think, wow, how mean, EVERYONE should be allowed to shop at work…

But maybe not when you discover that nearly 60% of IT professionals estimated that online shopping costs them at least $US1,000 or more per employee in productivity with a further near-20% saying it cost them $US15,000 or more.

One in two IT organisations anticipated their employees to do more online shopping at work for Christmas gifts between Thanksgiving and mid-December with the top three reasons being it is a convenient use of lunch/break time (38%), they work long hours and don’t have time to shop from home (17%) and they’re bored at work (11%).

Two-thirds (65%) predicted their employees would spend three hours or more using work computers for online shopping in November and December [I predict these employees must be men who don't shop much online] while 20% estimated their workers will have wasted nine hours – or more than a full day of work – shopping online during the holiday season.

The second issue for companies allowing workers to shop online apart from lost productivity is that allowing them to use company computers exposes them to computer viruses, phishing scams and malware attacks.

Almost half (47%) of those who plan to shop online with company devices will do so using a portable device, such as a laptop, iPad or iPhone. This increases a company’s security risk because these devices are often used on wireless networks outside of the company firewall. Plus, laptops, iPads (or tablets) and smartphones are more easily lost or stolen, and often contain corporate data that isn’t encrypted.

Maybe there should be an official company shopping “hour” once a week…

This would help keep lost productivity in check, make work fun, and if lots of employees arrange to buy something from the same online retailer – say Amazon or whatever – they can save on shipping by spending over a certain amount.

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One in two employees get calendars, cards as their office gift

Most of us know by now that gifts in the workplace can be a potential landmine of etiquette and protocol, even if we’ve never actually trodden on one ourselves.

A recent survey by American Express claims that the most popular office gifts (49%) this year are cards and calendars (which is almost unbelievable, unless the boss thinks it’s a popular gift – well, it ain’t with most of us).

Employees are only half as likely to receive gift certificates (26%), followed by company-branded items (gee, you shouldn’t have – 23%), baskets or charity donations (18% each), and trailing far behind in popularity (surely from the gift-giving perspective) at 10% are food, planets, wine or liquor.

But what about those potential landmines? Being aware of the cultural or religious background of your gift recipient is crucial for avoiding potentially awkward of embarrassing moments.

Other things to avoid are choosing gifts that are either too expensive or too personal. Don’t forget, these are colleagues, not family members (unless it’s a family business, of course). It’s also worth first checking the company’s corporate policies for gift budgets, protocols and other limits as these can obviously vary enormously between workplaces.

Oh, and alcohol. Try to avoid it as a gift item. It hovers dangerously close to that “too personal” category. (“How did he know I like a quiet brandy when I get home in the evenings?”)

Good luck, and happy shopping.

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UK parents playing Santa to give their kids a merry Christmas

OK, we all know Christmas is really for kids, no matter how much we might enjoy our eggnog and other Yuletide adult delights.

The British, at least, certainly know it’s their kids who are the real beneficiaries of Christmas.

Recent survey results show they plan to spend up to £168 per child this year on gifts, including those all-important stocking fillers. The figure rises to £201 per head for kids aged 11 – 18.

The survey, with the somewhat cynical title of The Cost of a Child, is by UK insurer LV= and reveals some interesting insights into the Brits’ spending plans for this festive season.

With more than half (53%) of respondents planning to spend the same or more on their kids than last year, two thirds say they’ll be offsetting the difference by spending less on other family members. Sounds like poor old Grandma will have to be content with boring hankies again!

The wolves may not quite be at the door, but they’re certainly cruising the neighbourhood. Twenty-seven percent of respondents say they’re under more financial pressure than last year and over a third (36%) admit they need to cut back.

In spite of this, respondents still intend to part with £2 million on Christmas gifts.

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Virtual Christmas gifts that can help save the UK environment

Here’s another fabulous, last-minute Christmas gift idea for that British family member or friend who’s notoriously difficult to buy for.

The UK’s National Trust has a whole range of virtual gifts that help raise much-needed funds for all kinds of conservation projects and wildlife work. Each virtual gift comes with a gorgeous greeting card or gift certificate (which can be personalized), plus details of the gift, so recipients will still have something to unwrap.

The gifts range in value from a mere £10, which can help plant wildflowers or save the red squirrel, to £250, which can take a rare garden plant off the Trust’s endangered list or plant tomorrow’s ancient trees today.

There’s also the bat hotel, which is a luxury hot-box roosting home for the rare horseshoe bat. These can be installed in the roof voids of selected National Trust buildings for $2,000 a pop. Think of how grateful the bats will be!

Know someone who might like to adopt a stone? The distinctive basalt stone columns in Northern Island’s iconic Giant’s Causeway are up for adoption at £25.00 each, which will help support the conservation and protection of this area.

Art lovers can even help restore a painting. Old paintings generally need restorative work every 100 years, costing up to £3,000. But just £33 will ensure a painting is kept in a restored condition for one year.

You can even help restore half a metre of mountain footpath or wetland boardwalk (the latter out of recycled plastic drink bottles!) so there’s a wide range of interests and tastes accounted for on the Trust’s virtual gift list.

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Share your gift wishes with friends on facebook

Microsoft’s new Bing Shopping List feature lets people create their own wish lists of desired goodies and then share the list with their Facebook friends.

The advantage here is twofold – your friends will know exactly what gorgeous items you’ve got your eye on, and they can also give you advice and feedback on your choices, helping you to narrow the list down.

Your Bing list will be visible to all your Facebook friends, but Microsoft says it’s working on a feature that’ll let you limit the list to certain friends of your choice. The other feature that’s still in the pipeline is the ability for someone else to cross an item off your list of goodies once they’ve bought it for you, rather like a wedding registry.

In the mean time, be careful what you put on your list. There are some things which you might be quite happy to receive half a dozen, but others where you really only want one.

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10 reasons why teenagers hate gift cards for Christmas

Everyone assumes that gift cards are THE most popular gift option for Christmas but they may not wash so well with the typical hard-to-please teenager.

1. Logistical hassles
They have to get themselves to the store (do they have a car? Is there an outlet nearby?) to use it. Check whether your gift card can be used online for greatest flexibility.

2. Lack of interest in a store or brand
Just because you love Target or whatever, they could be MORTIFIED to get a gift card for it. Likewise, a music store card could be useless if all they do is download music off the net.

3. Cash is king
You can buy anything with cash – but those Visa or Mastercard pre-loaded gift cards get eaten away by fees if they don’t use them. And when they do, well let’s just say they won’t be thrilled.

4. It’s not personal
Everyone knows someone who gives a generic kind of gift to “tick that chore”. Teenagers are especially sensitive to feeling their gift is just something that took you 20 seconds to buy.

5. Shipping, credit card, tax costs
Even if you gave them a $50 gift card, it can get eaten up very quickly by shipping and packaging costs, credit charges and frequently, taxes.

6. Too small to use
A $20 gift card is hardly worth giving. See above. And what do they do with the $2.17 amount remaining if they can’t reload the gift card?

7. Lack of choice
If you decide that your teenage (grand)son, (grand)daughter, niece, nephew, cousin, or best friend’s child will get a bookstore gift card for their school textbooks, for example, you’re denying them the chance to get themselves something they really want.

8. Risky
On the other hand, if you give them a Visa or Mastercard pre-loaded gift card, you don’t know – and may not wish to know – what they’re really spending it on.

9. Hard to exchange
Gift cards aren’t like t-shirts you can take back to the store. Hardly any retailers will give you cash as a refund for a gift card. And many don’t give change either, leaving near-useless amounts as credit on the gift card which they’ll have to spend extra to use up. Plus, few teens have eBay accounts to sell/swap them online.

10. No credit card
Not every teenager has a credit card so this can limit them being able to use their gift card for online purchases if the amount is modest.

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Jamie Byrne, Waitara, NSW

It showed us so much about our relationship – but in so much detail – was very interesting.
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“Give us gift cards instead of jewellery,” say Canadian women

Gift cards are now so popular in Canada they’ve overtaken every other category except clothing as people’s most sought after Christmas gift.

Just under half of the respondents (49%) wants gift cards in their Christmas stockings this year, up from 39% two years ago.

A survey of 1,500 Canadians by Maritz Research Canada reveal the top 10 gift choices for 2010 are: clothing (52%), gift cards (49%), DVDs/CDs/games (48%), toys (43%), beer/wine/spirits (41%), electronics (37%), candy/chocolates (36%), health & beauty products (33%), and jewellery/accessories/leathergoods (26%).

Interestingly, the GFC must be depressing a lot of Canadians: alcohol as a Christmas gift choice has risen from 26% in 2008 to 41% in 2010.

But perhaps the most jaw-dropping finding is that twice as many women would prefer to be given gift cards than jewellery (49% vs 26%). Is the jewellery they’ve been getting that bad?!

And if you’re a boss? Forget getting anything from Santa. People are three times more likely to buy a gift for their pet than their employer (40% vs 13%)…

Read the monthly stars for Aries, Taurus, Gemini, Cancer, Leo, Virgo, Libra, Scorpio, Sagittarius, Capricorn, Aquarius, Pisces.

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Wrapping your Christmas gifts in gorgeous creativity

Did you know that Christmas wrapping paper has been around for 93 years and that in America it was one of the very few items that wasn’t rationed during WWII?

During those years, sales of Christmas wrapping paper actually increased by 20%, according to Mac Carey’s The History of Gift Wrap on www.mymerrychristmas.com.

Instead of just ripping the wrapping paper off your gifts in a frenzy of excitement and tossing it aside without a thought, take a closer look at some of the gorgeous themes and designs of wrapping paper this year.

According to The Container Store, which deals with all things gift-wrap related, popular Christmas wrapping paper in 2010 includes retro images, like old-fashioned Santas and Scottish terriers in vintage styles that look almost hand-drawn.

There’s also a lot of nature themes like birds, whimsical animals, and silhouettes of things like leaves, branches and pinecones. Brocaded swirls are also emerging as a popular wrapping paper motif this year.

The 2010 Christmas colour palette includes metallic blues and greys, a whole gamut of different greens, some purples, pinks and of course the more traditional crisp reds and whites. You can also get some sparkle in your wrapping paper with things like twinkling azure snowflakes and star-filled galaxies.

There’s so much creativity and gorgeousness in this year’s wrapping paper ranges that the temptation is to actually make the wrapping paper the gift itself. The question then is, what do you wrap wrapping paper up with?

Read the monthly stars for Aries, Taurus, Gemini, Cancer, Leo, Virgo, Libra, Scorpio, Sagittarius, Capricorn, Aquarius, Pisces.

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