Tuesday, December 18, 2012

Great Christmas Gift Ideas For Males

It is almost that time of the year again. Many of us have already done our shopping. But many people leave it to the last minute. This post is 5 Christmas gift ideas for the whole family.

For an adult male:
Despite what they say, all males love toys. When they grow up you just have to buy a more mature toy. Gadget shops are perfect and you will soon find something fun and/or useful. One which seems to be universally loved is a remote control helicopter. I even got this for an uncle last year who is in his 60s. He loved it and told me he still plays with it. Avoid boring gifts like socks and toiletries.

For a teenage male:
Teenage boys love computer games. If you have no idea what type of game he likes then it is best to ask him. That ruins the surprise element but otherwise I find they can be very unhappy with a random game. You could try asking his friends. If still unsure then buy a gift voucher for an online store. Popular places to buy computer games are Amazon and Steam.

For a boy:
There is so much available that it can be hard to decide these days. The main thing is to be careful not to buy something which is too old or young for him. Most boys like war and I have had success buying the board game Risk. It is a great alternative to the most common ones like Monopoly and it is a social game, so it will encourage him to interact rather than staring at the TV screen alone. Risk is a game which can be enjoyed by teenagers and adults too, so this could be a gift which lasts the test of time.

Monday, May 14, 2012

Did you pay for Payment Protection Insurance (PPI)?

Yeah, I know. My second post for this blog may not sound very interesting as it is about insurance. I promise you that I am not an insurance agent trying to sell you some sort of policy. I am writing about PPI because I found out that it could be something that insuranceyou have paid for when you took out a loan, applied for a credit card, or applied for home or car financing. Your financing company or bank may have mis-sold it to you, and you could be due for a refund. Yes, I said it right. A refund. When you are a single mother like me and every penny I earn and spend counts in keeping my family afloat, a refund is music to your ears. So listen up! Here are a few things that you have to know about payment protection insurance.

What is Payment Protection Insurance or PPI?

PPI is an insurance policy sold alongside a loan, home or car financing, or your credit card to make sure that you are protected in case you can no longer make payments because you've been laid off from work or you were involved in an accident or got very sick. In some cases, this policy has been sold without the knowledge of the borrower or he was forced to take it out in order to qualify for a loan. These instances are called "mis-sold" PPI. Here are three reasons why a PPI could have been mis-sold to you.
  1. You were told that you will not be qualified for a loan if you don't take payment protection insurance alongside it.
  2. Payment Protection Insurance was sold to you in another name such as Accident, Sickness, and Unemployment cover, Loan Payment Protection Insurance, and Mortgage Payment Insurance. 
  3. PPI is not suited for your specific case. Generally, PPI only covers people who are 18-65 years old who are employed. If you've been retired or were self-employed when the policy was taken out, then you are could get a refund.

Not sure? Here's what you should do.

If you feel that you are eligible for a claim, then approach PPI claims handlers who know all about your problem. They can give you assistance in determining if you have a case, and they can handle all the paperwork. When a friend of mine advised me to check if I had PPI on my car loan, he referred me to http://www.ppi.com/. They made everything easy for me. They are a legit company registered with the Ministry of Justice, so you can be sure that they won't run away with your money. Besides, they won't charge you anything until you get your refund.

I might just have given you a shot at getting back some money that should have been in your pocket a long time ago. Tell me if I was able to help you!

(Photo credit: Image: vichie81 / FreeDigitalPhotos.net)
EDIT: May 21, 2012
Hi guys! Hope you have the time to check this blog. You'll never know if you're eligible for PPI insurance until you do some research.

Wednesday, May 9, 2012

Single mom successes

mother and sonHi there! My name is Mallory Jun, a mother of two beautiful kids, a successful business owner of a beauty salon, and a single parent for five years now. This is my blog about my life as a single mother. I have been through a lot of struggles and achievements, and I thought it would be nice if I can share my experiences to other single mothers (or fathers) out there. I'd like to focus on how I was able to get over my difficulties rather than dwell on how bad it has been for me. I want to give you a positive take on being a single parent.

My dad died of cancer when I was 12 years old. My mom raised me and five kids on her own. I used to be like every bad teenager, who gave my mother a lot of headache. It wasn't until my husband died in a car crash five years ago that I began to realize how difficult it must have been for her. I made her life hell, and now I am so sorry for what I did. I dedicate this blog to my mom, who has been a shining example to me of how a single parent should be. Thanks a lot mom!

I hope that I will be able to write about things that other people can learn and be inspired from. Enjoy my posts!

(Photo credit: Image: Ambro / FreeDigitalPhotos.net)