Do They Know It’s Christmas? – Christmas Present Tips For the Last-Minute Guys

When was the last time you sat next to someone who gloated that they had bought and wrapped their Christmas presents by the end of the summer sales? Trust us, these people either have no life, are cheapskates because they have paid less than half price for last year’s stock, or they are just plain cunning and are not to be messed with. How on earth did they know what Christmas presents to purchase that early on and where on earth have they put them? Storing Christmas presents is an annual challenge for most of us. There’s a fine line between getting them out of sight from prying eyes and remembering their clever hiding places again on Christmas Eve.

Those of you who have children will know it’s impossible to plan and buy their Christmas presents in advance. Oh yes, in September your five year old son will be banging on about a Dino Dig kit and you get it delivered straight away knowing that you’ve made a dream come true – until they come back from their best pal’s house in late November announcing they want a PicoZ Red Helicopter just like so-and-so’s. Now you’re in trouble. There will either be tears at Christmas time or your Christmas present budget just grew a little.

As soon as we get to November 1st, you can guarantee the huge pumpkin lanterns and witch hats will be sent back to the store room to make way for the life-sized reindeer and over-loaded Christmas trees in shops across the land. Anyone with an ounce of sense will mark this black day in the calendar and avoid the centre of town for the next seven and a half weeks. It’s not going to be pleasant so don’t bother. Some people make this choice simply to retain their sanity and good humour. Others avoid Christmas present shopping in the stores in the run-up to Christmas because if they don’t they will come out in a nervous rash. Shoppers can be ugly and vicious as they jostle for the last Grow Your Own Arsenal Pitch (did you see the stampede at Highbury in May 2006 for a slice of the real thing?) If you don’t believe us, rent the Arnie film “Jingle All the Way” and see just how bad it can be. (OK, it’s just a movie, but we have to make the point!)

So what’s the choice? If you can’t beat them, join them? Not quite. Buying your Christmas presents over the internet is the easiest solution. Making your selections at home before lunchtime and then putting your feet up in front of the match at 2.45 sounds like a morning well-spent. For the last-minute Christmas present shoppers, there are two options. One, you head down to town in the downpour while your mates are enjoying a few rounds in the pub, and spend hours hunting around stores that are already preparing for the post-Christmas sales. There’ll be no colours or sizes that anyone in their right minds would choose, nor will anything that meets your budget be available anymore. Or two, you jump online and choose the exact Christmas presents you had in mind, and wait for them to arrive. Who says you have no Christmas spirit? You just have better things to do with your time. You have still thought about what you are buying. And let’s face it, the number of times shoppers deliberate for ages over a Christmas present like an Iconic Telephone for their parents should I? Shan’t I? It’s not a problem you are likely to encounter. You make a decision on the spot and stick to it. In fact, once the item’s paid for the thought has flown. There are more people than care to admit that there have been a number of Christmas presents brought home and then the guilt pangs set in. What if they don’t like it? Is the colour right? Will they be offended by my humour? None of these questions are likely to bother you.

So you have sat yourself down at the PC and you are still wondering if there’s enough time to put it off till tomorrow because you hoped to squeeze in a round of golf today. Check the delivery times and then y ou’ll be able to make your decision. You don’t want to go to all this trouble and then discover that your Christmas presents won’t arrive till January 3rd. Your street cred would really take a nosedive if that were to happen, and you might just wish you’d been a little bit more ahead of the game.

Who Is Negotiating Your Short Sale?

Imagine you are selling your home (it’s a short sale, you owe more than your home is worth). Let’s say you called the Realtor that sold you your home, they state they “do short sales”, so you say great- I can’t afford my home, I need to sell it and get a fresh start!

Sometimes- this is easier said than done. One question most home sellers don’t think to ask “WHO IS NEGOTIATING WITH MY LENDER”. This could not be more important! This is the person that will be calling your lender WEEKLY (well you hope), will have updates and will get the short sale approved.

There are a couple of options for negotiators:

1. The Realtor negotiates themselves (I personally prefer this – I like to control the deal, know where we are and hopefully keep the buyer interested). My duty is to my Seller to get the short sale completed so they can move on with their lives.

2. The Realtor hires a third party negotiator (this could be another Realtor or a company who negotiates these deals). The downfall with this scenario is YOUR Realtor never quite knows where the negotiation is. The third party negotiator claims they call every week, gives really lame updates, and generally takes about twice as long to get any short sale done.

So why on earth do Realtors use these third party negotiators?

Well – I think in general, most Realtors don’t want to follow up weekly, they would rather pass on that duty. However, there are too many potential pitfalls.

Pitfalls of a Third Party Negotiator

* Short sale takes too long- buyer gets antsy and cancels the deal. The Seller is left with no buyer
* The short sale takes twice as long- every month the Seller is getting another ding on their credit for the missed payments
* Short sale doesn’t get completed- the Negotiator wasn’t watching the Foreclosure date and the home forecloses

Stinky The Garbage Truck: The Most Sought After Christmas Present!

If you are looking for a unique and innovative toy for your kids this Christmas then Stinky the Garbage Truck is just the right toy for you! He’s the latest addition in the very successful Big Rig Buddies product line by Matchbox and features funny sound effects and flashing headlights and can even say tens of different phrases! Stinky will definitely be one of the most sought after toys of Christmas 2010!

Stinky The Garbage Truck has five play modes and once your kids are done playing with him for the day, he can be very easily be turned off! Simply pushing him or moving him around will make him do all sorts of funny stuff like flashing his head lights which also double as his eyes!

Stinky’s sound sensors can be found on his smoke stack while others are located on his rear door and on the bottom of the toy!Thanks to the high-tech circuits built into Stinky The Garbage Truck all his movements and actions appear to be random and natural, right as if he’s got a mind of his own! So your kid will never guess what he’s going to say or do!

The real fun starts when Stinky gets hungry! His front grill also doubles as his mouth and you can place all kinds of small objects inside it including small cars and other toys! But don’t worry, he doesn’t really eat them! He just stores them inside him and they can be unloaded whenever you want, wherever you want! Stinky The Garbage Truck also functions as a real trash truck! You can load things into his trash compartment which can be later dumped via his rear doors!

To make him unload his “trash”, you just have to pull on his smoke stack! He makes some really funny noises while he’s doing this and when he is finished, he always says “excuse me!” which will surely bring a smile on your kid’s face!

Pulling the smoke stack will also result in him making various other fun sounds and movements, he can even perform a funny and cute song and dance routine! He just rears up on his rear wheels and starts singing his crazy songs! If you leave Stinky the Garbage truck alone for too long, he will eventually switch himself off and look like he’s sleeping! When it’s play time again, all you have to do is push his smoke stack!

Included in every Stinky The Garbage Truck Package, is a DVD with the an animated movie about the adventures of Stinky and his Big Rig buddies, as well as the batteries needed for his operation!

Stinky The Garbage Truck is the perfect Christmas present for kids aged 3 and over! This high-tech robotic toy will become their new best friend. It’s made by top toy manufacturers Matchbox which guarantees that it’s of the highest quality! The bonus DVD movie, really makes this toy an excellent value for your hard earned cash!