The hack: do a gift card + inexpensive useful thing + a short note so it looks planned, not rushed 3 rules: pick a useful ...

Every year, millions of Americans find themselves in a holiday bind: staring at empty store shelves, scrolling online or stressing out over finding the right gifts for everyone on their lists. But the ...

While gift cards top many holiday wish lists this year, givers should note that not all cards are created equal. Some may offend or go unused, while others can cost either buyer or recipient (or both!

Know the rules, then use them fast: Balances last 5 years; inactivity fees after 12 months; some states cash out small leftovers (e.g., CA $10) Buy low, sell smart: Warehouse clubs = easy 20% off; ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Toby Walters is a financial writer, investor, and lifelong learner. He has a passion for ...