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4 most returned Valentine’s Day gifts

4 most returned Valentine’s Day gifts

Most couples wait eagerly for Valentine’s Day to plan dates and give and receive gifts. But, oftentimes, individuals have a hard time figuring out what to gift their loved ones. Eventually, they end up settling for a gift that does not sit well with their partner. To prevent such a situation, here is a list of some Valentine’s Day gifts that are most likely to be returned and so are best avoided.

Clothes
Gifting clothes to a partner on Valentine’s Day is not wrong. A shirt, a dress, or any similar item of clothing can, in fact, be a great gift idea. However, one must make sure that the clothes they purchase match their partner’s style and taste. The least someone would expect on Valentine’s Day is from their partner to know and understand their taste. Also, one must ensure that the size of the clothes is right. If not, they would end up getting returned.

Clichéd jewelry
A piece of jewelry makes for a romantic gift, ideal for Valentine’s Day. But one can even go wrong with this if they pick clichéd pieces. Since it is a gift for Valentine’s Day, a lot of individuals end up choosing heart-shaped jewelry for their partner. While hearts do reflect love, heart-shaped accessories are not loved by all. If one plans on gifting jewelry anyway, one must try to find a piece that matches their partner’s taste.

A box of heart-shaped chocolates
This is one of the most clichéd gift ideas for Valentine’s Day, which itself makes it most likely to get returned. A box of heart-shaped chocolates can be found in the nearest store. So, giving that as a gift also shows a lack of thought and effort. Besides, if one is trying to switch to a healthy lifestyle, they would definitely not want to keep an entire box of chocolates near them.

Scented candles
While scented candles are fine, they are not among the best gift ideas for a romantic occasion like Valentine’s Day. Plus, a lot of people choose them as Christmas gifts as well. So, chances are, the recipient already has a lot of scented candles lying around from then.

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Purchasing insurance can be an excellent financial decision. When you buy insurance, you make small payments called premiums to an insurance company so that you and your loved ones are protected during a financial emergency. However, there are a lot of factors to consider when buying an insurance plan. And more often than not, people make mistakes during the process, which cost them a lot more than they would otherwise pay. Opting for low premiums People often opt for a plan with a lower premium because it is easier on the pocket. However, such plans usually provide a smaller claim amount during an emergency. So, try to find a balance between the premiums you pay and how much money you get during a claim. Not trying other insurance providers Staying with the same insurer might make the documentation process easier when renewing the policy or buying a new one. However, it can cost you more in the long haul. The provider may not always offer the best price for a preferred plan. So, if your situation changes—for example, if you get married, buy a car, or move to a new state—compare different insurance companies before choosing one. Not reading the fine print Every insurance plan comes with terms and conditions.
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As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.

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