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Gift cards: Uninspired, but effective

Hello frantic shoppers. Only 18 shopping days left until Christmas.

Of course, you can always wait until Dec. 24 and just buy a gift card. Some people think they are impersonal, but I don't have a problem with them.

You just can't give them to everyone. For example, my wife and I share a bank account, so if I buy a gift card for her, this is the message:

"Honey, you have my permission to spend 100 bucks at Bed, Bath & Beyond."

That's right, little woman, I am allowing you to spend money. I certainly hopes this fills you with the Christmas spirit.