Search
Exact matches only
Search in title
Search in content
Search in comments
Search in excerpt
Filter by Custom Post Type
{ "homeurl": "http://rismedia.com/", "resultstype": "vertical", "resultsposition": "hover", "itemscount": 4, "imagewidth": 70, "imageheight": 70, "resultitemheight": "auto", "showauthor": 0, "showdate": 0, "showdescription": 1, "charcount": 3, "noresultstext": "No results!", "didyoumeantext": "Did you mean:", "defaultImage": "http://rismedia.com/wp-content/plugins/ajax-search-pro/img/default.jpg", "highlight": 0, "highlightwholewords": 1, "openToBlank": 0, "scrollToResults": 0, "resultareaclickable": 1, "autocomplete": { "enabled": 1, "googleOnly": 1, "lang": "en", "mobile": 1 }, "triggerontype": 1, "triggeronclick": 1, "triggeronreturn": 1, "triggerOnFacetChange": 1, "trigger": { "delay": 300, "autocomplete_delay": 310 }, "overridewpdefault": 0, "override_method": "post", "redirectonclick": 0, "redirectClickTo": "results_page", "redirect_on_enter": 0, "redirectEnterTo": "results_page", "redirect_url": "?s={phrase}", "settingsimagepos": "left", "settingsVisible": 0, "hresulthidedesc": "0", "prescontainerheight": "400px", "pshowsubtitle": "0", "pshowdesc": "1", "closeOnDocClick": 1, "iifNoImage": "description", "iiRows": 2, "iiGutter": 5, "iitemsWidth": 200, "iitemsHeight": 200, "iishowOverlay": 1, "iiblurOverlay": 1, "iihideContent": 1, "loaderLocation": "auto", "analytics": 0, "analyticsString": "", "show_more": { "url": "?s={phrase}", "action": "ajax" }, "mobile": { "trigger_on_type": 1, "trigger_on_click": 1, "hide_keyboard": 0 }, "compact": { "enabled": 1, "width": "200px", "closeOnMagnifier": 1, "closeOnDocument": 0, "position": "fixed", "overlay": 0 }, "animations": { "pc": { "settings": { "anim" : "fadedrop", "dur" : 300 }, "results" : { "anim" : "fadedrop", "dur" : 300 }, "items" : "fadeInDown" }, "mob": { "settings": { "anim" : "fadedrop", "dur" : 300 }, "results" : { "anim" : "fadedrop", "dur" : 300 }, "items" : "voidanim" } }, "autop": { "state": "disabled", "phrase": "", "count": 10 } }
Select Page

holiday_gifts(TNS)—Stuffing cash in an envelope — or tucking it in a box of chocolates like my Dad used to do — can be a pretty great gift in many households. Unfortunately, some people do view cash as a tad impersonal.

Yet, there are plenty of other creative options for show-me-the-money gifts that can go beyond the usual U.S. savings bonds.

If you want savings bonds, Series EE savings bonds issued from November 2015 through April 2016 will earn a fixed rate of 0.10 percent — so they’re not all that exciting. Series I savings bonds issued during that time earn a composite rate of 1.64 percent for the first six months after the issue date — and a portion of that is indexed to inflation every six months. See www.treasurydirect.gov for how to buy savings bonds as gifts online.

But if you’re looking for other ideas, here are five on-the-money gifts:

––Ever think about five gold rings? You could dish out roughly $750 for five gold rings, according to the 2015 PNC Christmas Gift Index. The price for a simple, no-fuss gold wedding band is about flat from last year, according to PNC. (Granted, you could pay $700 or more for just one attractively designed man’s gold wedding band.)

But the price of gold has been trending down lately and was down roughly about 10 percent in late November from a year ago. Some think the downward trend will continue. Gold would start at around $128 for one-tenth troy ounce American Eagle gold coin as of Nov. 30, says John Abbott of Abbott’s Coins in Birmingham, Mich. But the price is consistently in flux.

Silver is a less expensive gift option. You can start out as low as $15 or $16 for a troy ounce for silver and “go up to a lot of money,” Abbott says. “There’s a wide range.”

What’s a “lot of money” for silver? One box of American Silver Eagles — 500 troy ounces of silver — cost around $8,800 in late November. The price fluctuates regularly throughout a day, too.

––How about a little financial drama? Pick up a gift card to a movie theater for the new financial thriller “The Big Short” or maybe even wrap up the Michael Lewis book of the same name along with a gift card.

The Michael Lewis book — published in March 2010 — is a riveting read on the subprime mortgage crisis and clearly walks the reader through such cumbersome topics as collateralized debt obligations and credit default swaps.

The new movie has an all-star cast including Brad Pitt, Steve Carell, Ryan Gosling and Christian Bale. It focuses on how a few quirky characters spotted a crisis in the making years before the 2007-09 financial collapse led to huge layoffs, home foreclosures and government bailouts. The financial geeks took multimillion-dollar bets against Wall Street’s big gamble on subprime mortgage bonds early in the game, ultimately made wild money and have an incredible story to tell.

––Give someone a little financial wiggle room. Ever think of paying someone’s electric bill for a month? Or maybe buying them a week’s worth of groceries?

Sure, it’s practical. But it can be practically delightful to be surprised by extra breathing room in the family’s budget for 2016.

Or maybe pick up the cost of a chore — such as a month of maid service or lawn service.

––Wrap up a tiny piece of Wall Street. This holiday season, it is easier to buy just a small part of a share of stock in Apple, Nike and other popular companies.

A $50 gift card for Apple stock, of course, won’t enable anyone to buy one share of Apple, which has been trading around $118 a share.

––Gather your own change to buy a gift card. If you’ve got $25 or $50 in spare change sitting around the house — and many people do have that or more — you could consider visiting a CoinStar location to convert the change into a gift card for Starbucks or Amazon.com or Toys R Us. If you buy for a gift card, you do not pay a fee.

Some kiosks might give a physical Starbucks gift card but others issue a voucher that can be used when shopping online or in a store at that retailer. If you want, you can take the voucher to the store to get a plastic gift card. Retailers in the program include Home Depot, Sephora, Game Stop, Forever21 and Applebee’s.

Or if you’re feeling playful, just slap a bright bow on that jar of change and let someone else go out and buy the gift cards.

©2015 Detroit Free Press
Distributed by Tribune Content Agency, LLC.


Buying/Selling Consumer Luxury National Spotlights
Red and white "Sale Pending, Home for Sale" sign in front of a red brick house that is for sale and has recently been sold. Green grass and bushes indicate the spring or summer season. Front porch and windows in background. Real estate sign in residential neighborhood.  Moving house, relocation concepts.
Pending Home Sales Creep Higher in June

Pending home sales were mostly unmoved in June, but did creep...

woman with manicured hand ready to  tap an her tablet. Buying pink high heel slingback online with a mini tablet. The website is fictional, shoes photographed by Peter Hermus
New Members-Only Online Mall Offers Cool Gadgets, Trending Technology and Luxury Gifts

Most members of the National Association of REALTORS® (NAR) already know...

the mississippi river flows southward over st. anthony falls, and by the minneapolis skyline, on its way to the gulf of mexico.
Strongest Housing Gains Seen Down South

Two more states, Mississippi and Maryland, as well as eight metro...

Agent Broker Coaching Lead Gen Teams
Key to success
3 Keys to Success in 2016

Two years ago, we completed a comprehensive planning session at Real...

Marketing Diagram on Futuristic Interface Touch Screen
When Marketing Is Top Priority

To really be seen in the real estate industry, it all...

Couple sitting in their electric car
Save on Your Summer Road Trip

NAR PULSE—Right now, until August 31, you can save $25 on...

Agent Best Practices Branding Broker Niche
La Habra, United States - July 12, 2016: Macro closeup image of pokemon go game app icon among other icons on an iphone smartphone device. Pokemon Go is a popular virtual reality game for mobile devices.
Pokémon GO for Real Estate – Must or Bust?

If you’re anything like me, your social media newsfeeds look a...

Man inputing data on laptop and holding mobile phone in another hand.
Boost Your Online Presence with More .REALTOR Options

Website addresses that end in .REALTOR provide instant recognition as a...

Person. More>>
4 Ways to Update Your Digital Persona

Your digital presence is more important than ever, and now is...

Agent Apps/Gadgets Best Practices Broker Innovation
Silhouette of business people moving and joining pieces of jigsaw puzzle on a business and stock market  blue background, with charts, diagrams, world maps and data arranged on grid and tables. World maps showing continents and countries with economy data and growth diagrams. Light glowing from the center. Copy space on bottom.
PNC Offers Online Business Insights, Webinars and Tools for Agents

Looking for the latest real estate industry information, education and networking...

Woman holding tablet
Stay Connected to Your Business When You’re on the Go

As a busy real estate professional, you’re likely most productive when...

snapchat_real_estate_665x350
Why Snapchat Is Pure Gold for REALTORS®

There is a huge amount of attention being paid to Snapchat...

Business Insights Content Generation Marketing Trends
000027558128_Double
Webinar Recap: Build Your Brand with Next-Gen Social Media

If you’re working in the real estate industry, you already know...

000042086008_Double.jpg
Expanding Your Client Base through Social Media

Today’s buyer will search online at some point during the buying...

Facebook_Live_665x350
Facebook Live the Latest Trend to Infiltrate the Open House Scene

Drumming up interest in an open house may be about as...

Buying/Selling For Your Clients Home Improvement How-To Lifestyle
comback_kitchen
Comeback Kitchen: 3 Old-Is-New Trends

Kitchen design’s trending more behind the times than ahead of the...

468752934
5 Kitchen Island Styles to Fit Any Use

Regardless of the size of your kitchen remodel, adding an island to...

Wall_Panel_450x300
Luxury Wall Panels Take Home Décor to a Whole New Level

Looking to revamp your living space? Before you head out to...

manhattan
RISMedia’s CEO Exchange

RISMedia’s 2016 Real Estate CEO Exchange September 13 & 14, 2016...

Capital Building, Washington
RISMedia’s Power Broker Forum at the NAR REALTORS® Legislative Meetings & Trade Expo

RISMedia’s Power Broker Forum at the REALTORS® Legislative Meetings & Trade Expo...

PB-annual
RISMedia’s Power Broker Forum, Reception & Dinner – Annual

RISMedia Power Broker Events 2016 Orlando, Fla. Friday, November 4, 2016...