If you have been with your boyfriend longer than 6 months, you may be compelled to buy him a present every now and then. The main problem is what do you buy men that are not your direct family relations? How easy is it to find presents for boyfriends? The answer really depends on the length of your relationship but men are usually relatively easy to figure out and there is lots of stuff out there – especially on the internet to help you find the perfect gift.

Firstly, remember not to over-complicate the matter. If he’s really into cars, then maybe you should consider renting a car that he’d really enjoy driving or giving him an experience package as a gift. Which guy wouldn’t love just racing around the race track in a Ferrari? I don’t know many. If that’s too much for your budget, then an imitation or battery-powered version of his favorite car might be just the ticket.

Also, just keep it simple. Men, I’ve been told are simple creatures who never need too much stuff. Don’t buy the whole store while you’re shopping just because you love him that much. Instead, buy him something you know he’ll really appreciate.

If you are really stuck, just ask him. The truth is most men know what they want and a lot of men also have shorter memories and so they’ll even forget that they told you that was exactly what they wanted to receive as a gift.

The bottom line is you have to open your eyes and pay close attention to his interests and hobbies. If you know what he’s into, it’ll be easy to pick a gift that he’d enjoy and appreciate. Does he spend his money on music? Does he like certain bands or artists? Does he like reading? Is he a huge sports fan? What’s his favorite team? These are all questions that you could ask yourself when planning on buying presents for boyfriends

Once you’ve got your answers, you’re more than halfway to finding the perfect gift.

The lists of bank and savings accounts that are available to most people are bewildering. A quick look at a comparison site like Moneynet or Moneyfacts will reveal thousands of different products. Unfortunately many of these accounts are not accessible for anyone with either a poor or even no credit history.

Research carried out for the National Consumer Council (NCC) reveals “that the poor pay more, or get less, for essential goods and services… having a bank account can be a gateway to other products and services, such as affordable credit and insurance”. To help counteract this problem of financial exclusion, the government has tried to initiate the introduction of basic bank accounts for the least well off. The NCC has however warned that, “the current model of basic bank accounts, introduced by government in 2000 in an attempt to enable all low-income consumers to access banking services, is not delivering.”

The new basic bank accounts were introduced as part of a wider push towards ‘universal banking’ and corresponded with the introduction of direct payment of social security benefits to bank accounts as well as the Post Office Card Account (POCA). The plan was that these accounts would also help their users by letting them set up direct debits to pay their utility bills, and so keep better track of their finances from week to week.

The accounts were originally designed to let people save and withdraw money, but in an effort to prevent extending any existing debts and stopping the accounts from becoming overdrawn, they don’t offer cheque books, overdrafts or other credit facilities. The accounts were intended for those with no credit history who might not meet the banks’ criteria for opening a standard current account. The accounts features typically include the ability for payments, for example pensions and benefits, to be credited direct to the account, withdrawals by plastic card through cash machines and the facility to pay bills by direct debit.

The problems experienced seem to be partly because the accounts do not always help those with a small weekly income to deal with the unpredictable gaps which can occur in wages, benefits or spending. Automated monthly direct debit payments for goods and services can prove of little use to many on low weekly based incomes. Those paid on a week by week basis, expressed a preference for weekly cash based, rather than monthly direct debit, budgeting options and felt that bank accounts with direct debit facilities would not provide them any advantages. By using cash instead of a bank account, they found they could juggle payments easier, and avoid punitive additional bank charges if they did not have the funds to hand, to cover an outgoing debit payment.

Another problem experienced was that the holders of these basic accounts are also liable to be those on low incomes, with low (if any) savings and are more likely to be in arrears paying their household bills than those without them. This vulnerable group are less likely than most to be able to deal with unexpected additional expenditure, such as an unforeseen bill for home repairs, but without recourse to any credit facilities, they may be forced into resorting to high interest loans to cover temporary setbacks.

The NCC found that “people on low incomes who use accounts to manage their money are more likely to be in arrears with household bills. They are also more likely to have outstanding credit commitments, partly because they have wider access to credit”, than those without accounts.

The government has set a target of halving the number of households which do not have access to a bank account by 2006. The banks state that they currently face a lack of demand, however more than two million applications, in excess of the government’s expected take-up, for the POCAs have been made. The banks are claiming that reaching the targets will be difficult, as they are being impeded by various barriers to opening basic bank accounts, such as the identification requirements in money laundering rules. Some of those on low incomes may not possess either a full driving license or full passport, and so find difficulties setting up new financial accounts. The banking industry has also been widely criticised for failing to actively promote basic bank accounts and, sometimes, for actually discouraging people from opening them.

The NCC proposed that basic bank accounts need to be more flexible. Suggestions to make the bank accounts meet the needs of consumers included offering weekly, rather than monthly, direct debit facilities where payments are only triggered if the money is available in the account, occasional payment holidays, and small free ‘buffer zone’ overdrafts.

Whether the lack of interest is due to the banks, the government, or the product itself, something needs to be done if there is to be an increase in the take-up rates. Half of those surveyed by the NCC felt they do not really need an account. An even more damning indictment of the current basic bank accounts was that a similar proportion of account holders preferred to withdraw all their income, rather than leave it in the account, and then manage it as cash. An inclusion policy may be a laudable idea, but it is no use if people do not want to be included, and it should not disadvantage those it is meant to help.

The clock doesn’t lie!

If you are giving business presentations, no doubt you’re working within a timeframe. Your clients and prospects are busy people. They want to get the most value out of time spent in your presentation.

Professional public speakers often record their talks — and practice delivering to fit within specific time slots. One hour? Got it. Twenty minutes? No problem. Ten? It’s a snap.

What is it that professionals know — that you can use too?

These 4 secrets can help you time your performance for perfect success.

Secret 1: Time Your Opening

Most likely, you will use the same opening, even for presentations that vary in length. When you practice your initial start and focus on your key points, you can develop a highly persuasive introduction.

In addition, your opening sets the tone for your entire presentation. When you start strong, you’re going to grab audience attention. Then, you are in a good position to hold attention for the duration.

Secret 2: Rehearse For Every Timeslot

Even if you are very familiar with your topic and presentation, rehearse and practice for each timeslot. Your stories will vary. Audience interaction will expand and contract based on time available.

During face-to-face delivery, you are likely to speak more slowly than in rehearsals. This is due to adding impromptu comments, adding stories, and interacting with your audience.

Alternatively, if you are extremely nervous about presenting, you may talk faster — and race through your talk without taking a breath. To avoid this downhill slide, practice so you are comfortable with the best pacing for every amount of time.

Don’t make the mistake of thinking; “I could do this in my sleep.” If you could, you just might sleep through the alarm signaling the end of your allotted time.

Secret 3: Practice Questions and Answers

Answering questions is one of the most critical areas to stay within your timeframe is answering questions. Practice giving brief and concise answers with your presentation coach or with peers.

Focus on the questions you anticipate most from each specific audience. Practice giving shorter and longer answers – while still remaining personable. This provides several options for being able to manage your time – and create interaction with your audience.

If you are giving an extremely short summary, it is acceptable to say, “I’m so sorry I don’t have time for questions right here. But I will be available to answer your questions one-on-one.”

Alternatively, you can provide your contact information and say, “I’m sorry our time is so short. I’m happy to answer you questions personally. Just contact me directly.”

These comments encourage participants to ask their questions — at a later time. In addition, comments such as these also show your willingness to share your expertise and make the best use of the limited time you have to present your information.

Secret 4: Work With an Expert Coach.

Whether you are new to presenting or highly experienced, a professional coach can give you objective feedback. He or she can instantly spot small changes, which can dramatically improve your performance.

One of the most fascinating areas of feedback will be on how to be effective in any time slot. In working with your coach, be sure to ask for timing feedback. This can help you increase confidence and be ready to happily adapt an hour presentation into a 10-minute summary.

Develop your presentation skills so you can communicate effectively to any audience. Timing is one of the trickiest areas and is critical for success in business presentations.