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A Random List of Unique Gifts

A Random List of Unique Gifts

As the holidays roll around, you might start stressing when it comes to gifts. Special gifts, white elephant gifts, clever gifts—where do you begin? Well, first, don’t overthink it. Think about the person you’re getting a gift for, and the things they enjoy. And to help you out, here’s  a list of unique things that may inspire you.

1. Print someone a book online

If you’re looking to do something really thoughtful, try making a book. Bookemon.com allows you to create a book from different formats and templates. It could be any kind of book – a children’s book, a recipe book, a scrapbook, a book that’s all words. It’s all online and prices start at $10, but keep your eye out for specials.

2. An awesome mug

A cool thing about mugs is that you can find all kinds of them. Funny ones, colorful ones, totally random ones, ones for book lovers, music lovers, science fiction lovers, sports fanatics, or coffee aficionados. Another cool thing is that you can find them anywhere.

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3. Bacon things

If you know anyone who loves bacon and appreciates a random gift they can laugh at, think bacon. Bacon air freshener, a bacon wallet, bacon band aids. Or, if you need a white elephant gift, maybe some bacon toothpaste?

4. An Irish accent

Need another white elephant gift, or perhaps a funny stocking stuffer? Try some Instant Irish Accent Gum. Why not, right?

5. This thing called a Fondoodler

This totally random thing allows you to draw stuff. With cheese. I recommend this for people who enjoy cheese; it can be used to write cheese-letters or draw fun things on food. That sounds like a whole new level of cheese-awesome.

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6. A website domain

Anyone you know want to start a website? Why not buy a domain for them? You can buy a domain name for $10/year on GoDaddy, As for creating the site, there are lots of site-building hosts to choose from, such as WordPress, Wix, and Squarespace, and Bluehost offers coupons for hosting services.

7. A personal library kit

For all your book-loving friends out there who love to share their books with friends, but whose friends take forever to give those books back, they might be in need of their own library kit. It comes with its own return date cards, and a date stamp and ink, so they can stamp a due date on it. Now you have no excuses.

8. A T-shirt quilt

If someone you know has a lot of T-shirts that they don’t wear, but want to keep for sentiment’s sake, something else that might be thoughtful is a quilt made from all those shirts. You could look up a pattern and make it yourself if you are craft-inclined, or you could send all those T-shirts off to a company that will do it for you.

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9. A witty notepad

Why use a regular, boring notepad, when you could use a witty one, specifically designed to make writing your to-do lists, reminders, checklists, and notes more fun and interesting—especially if the recipient enjoys a sarcastic wit. My dad cracked up when I got him a “Crap to do and Crap to buy” notepad for Father’s Day.

10. A trip to Las Vegas

Vegas is known for its night life, casinos, and many themes. So, if you can’t decide whether to go on a holiday cruise, or travel abroad, or go to another state, take a trip to Las Vegas. With all its different themes, it’ll be like visiting multiple places at once.

11. A car seat cover

If you know someone who would want to cover their car seat with a nifty pattern, by all means, go for it. This could also work as a white elephant gift.

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12. A book-lover’s candle

If you or someone you know enjoy the smell of old books, bookstores or libraries, or want to find out what Sherlock’s study, the Cliffs of Insanity, or Dumbledore’s office smell like, those scents are now available in candles.

13. A picture-frame chalkboard

I’m sure you can buy something like this somewhere, but I’m going to suggest you make one. Just buy any size picture frame you want and a small can of chalkboard paint; all you do is paint the glass part of the frame. When it’s dry, put the glass back in the frame, and you’ve got yourself a chalkboard. I recommend using a smaller one that be set on a desk or tabletop—somewhere someone might want to leave a note.

See? No need to stress about finding the right gift. The holidays are about spending time with the people you love, so if you focus on them, you’re bound to find something they’ll love—no matter how unique the gift.

Featured photo credit: Jennifer C. via flickr.com

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Published on June 12, 2018

How Much Money Do I Need to Retire? Find Your Answer Here

How Much Money Do I Need to Retire? Find Your Answer Here

It is never too early nor is it ever too late to start planning for retirement. It ultimately depends on your way of life, where are you living, and whether you need to let go of anything. A successful retirement strategy is to have enough pay to cover your expenses with a little cash going into a savings account for sudden financial needs.

With regards to retirement, we all have an alternate vision in mind. In fact, some think about traveling throughout the world, while some think of a peaceful life with their grandchildren. Whether we get ready for it or not, we will one day turn to retirement age and so, we should be prepared for it. I’m going to tell you how in this article.

Benefits of early ventures for retirement

The way this works is you figure out where you need to live, the amount it will cost you to live there (rent/food/transportation), and the various expenses you will need to account for, like travel/insurance/medical bills and taxes. Many people are struggling to put aside money for their future savings and some haven’t started yet. Think you can put off thinking about retirement? The reality is that you need to start thinking about it right now, and putting aside some money from today.

There are a lot of benefits of taking early steps towards retirement. Utilize the power of compounding, low investment for targeted corpus and you can create more corpus investing the same money:

  • If someone saves $100 every month and starts investing for 30 years at 10% return, initially you will see that within 5-10 years, your investments will not multiply. However, after that period, the corpus will increase immensely with the impact of compounding. The investment period expands the extent of profits increments in the corpus.
  • Suppose there are two people, one aged 30, and the other 40. Both need to resign at 60 with the same retirement objectives of $300,000 USD each. Both will put resources into an investment with 10% of the return. Thus, to accomplish their retirement objective, the younger one needs to save $100 USD / month and the older one needs to collect $300 USD / month. Since the older one has started investing ten years later than the younger one, he will pay more than double what the younger one will pay.
  • If someone saves $100 USD every month and starts investing at 30 years old till 60 and gets 10% annual return, his corpus becomes around $170,000. Otherwise, if he starts the same amount spending at 40 years of age with the same 10% return, he will have around $57,000 USD. He can profit by just investing ten years early.

You can’t invest too much money in retirement during the early stage of your career since you may have different objectives. However, you can increase the investment gradually if you start investing just a small amount.

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Average retirement age

For many people who are nearing retirement age or recently resigned, one of their most significant financial regrets is that they did not focus on saving for their golden years. As per the Consumer Reports study, it demonstrates that only 28% of investors with the age of 55 years or older are pleased with the way they have saved for retirement.

As per the report, The Economic Policy Institute breaks down how much Americans have put away.[1] Since you know that when the majority of people retire, you can subtract your age from that more significant number and check down what number of more years you need to work.

But many retirees go back to work. Some of them do part time job while others do seek for a second career. Some even come back to full-time work and then retire again in a couple of years. So deciding their retirement age could be tricky.

Average retirement savings

To get retirement started, saving is pretty easy, though it can seem complicated. These simple five steps will make you go on retirement now. So, you don’t need to stress over having the same regrets as today’s retirees.

1. Invest 15% for your retirement

Your initial step is to save 15% of your income. This will depend on your gross income and does not include any coordinating assets you get through your employer’s retirement plan.

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It’s sufficient to enable you to achieve your retirement investment funds objectives, but not too much to keep you from enjoying your income today.

2. Utilize tax-advantaged retirement plan

Yes, we utilized the T-word; however, don’t daydream! Split your 15% retirement contributing budget between charge conceded retirement plans like your 401(k) or after-tax plans like a Roth IRA.

3. Invest your money around

To put it all in one place is the most significant risk that you can take with your retirement money. With mutual funds, however, you can invest in the biggest and most recognizable brands as well as that new organizations you’ve never known about but has a lot of growth potential.

Opt a growth-stock mutual fund with background marked by solid returns for both your 401(k) and Roth IRA speculations.

4. Stay with it

Since mutual fund investing is less risky than investing in single stocks, it is not risk-free. You can see your savings grow in the long term as long as you can leave your money where it is and keep adding to it.

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5. Work with an investing professional

It is essential to look for an investment professional, as you must have a lot of queries concerning your retirement plan during 30 or more years of investing,

Never make due with an investment professional who recommends or patronizes you to turn over all your investment choices to them. Since this is your retirement, nobody will think or care about it more than you do!

You might analyze or compare your savings against the average retirement savings for your age group to check whether you’re falling behind or getting towards of the curve. On the other hand, it might be conceivable to hang up the work boots and hit the shoreline with fewer savings if you live easily or below your means.

How to achieve your financial goals?

An ideal approach to achieve your financial goals is to stay focused on what you need for your future, ignore everything (and everyone) else that may divert you. There’s a significant business culture out there that requires you to stay in debt, live for the occasion and stress over your future later on.

You need to start planning for your future from now, not when you have more time or money to invest. You can even talk to a financial advisor for any help. Cooperate to set your money goals and make an action plan to reach them. You can retire younger than you thought you could if you create a project and follow up on it.

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Start planning for your retirement

A lot has changed in the last 30 years; our previous generation had an career goal and they would join either a large private company or a government organization immediately after school or college. Then they would spend the next 38 years in the same organization and the form of provident fund and gratuity. They would retire with a decent corpus and they would later spend the remaining time with their pension benefits. It’s a bit different now, but with the above information, you’ll be well prepared.

Whether you can afford to retire now or not, you need not bother with a retirement calculator to get a rough estimate. You should have the capacity to closely approximate your daily spending habits to figure out how much money goes out the door every year.

Featured photo credit: Pexels via pexels.com

Reference

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