Birthdays, happily for children and sometimes not so much for adults, come every year like clockwork. The “Hallmark” Holidays”, Valentine’s Day, Easter, Mother’s Day, Fathers Day and so on, also are annual events, as well as the major end of year gift giving events of Christmas and Hanukkah. Weddings and births are known about months in advance. So why are we always buying gifts at the last...

Let’s face it; gift giving is a year round activity between Birthdays, Weddings, Anniversaries, Showers, Births, and Graduations, not to mention the sprinkling of the “other” Holidays throughout the year. Many people could very well have a significant event every month of the year. Saving money in a case like that is essential; saving money in this economy is always welcome. So how do we buy the perfect...