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On Holiday Cheer

Everyone loves giving gifts. No one loves spending too much money on them. This holiday season, find out where to shop for deals on gifts for everyone on your list.

Woman doing Christmas shopping online

Ready to save money on holiday gifts? We’ve done the homework and found the best places to find great deals on gifts. From brick-and-mortar stores to online shopping, we have your essential guide to holiday savings.

Gifts for kids

When you’re looking for the best prices on toys, it’s hard to beat the prices at Walmart. Big-ticket items like bicycles, imaginative play sets and ride-on toys are cheaper at this mega-retailer. If you’re shopping for a bunch of kids, there are plenty of gifts for less than $10, making it a one-stop destination for toys. Prefer to shop online? Check out the toys on Amazon.com. If you use Prime shipping, you can snag amazing discounts on this season’s hottest toys without paying shipping fees.

Designer gifts

You can’t beat TJ Maxx, Ross and Marshalls for finding designer gifts for the fashionable and fabulous on your holiday shopping list. The key to finding great deals at these stores is shopping often, giving yourself enough time to sift through new arrivals. The handbag department is the best place to find amazing steals on hot designers. More of an online shopper? Try Overstock.com for a similar selection.

Tech gifts

Whether you’re shopping for a new laptop or a cutting-edge sound system, it’s hard to beat the tech-savvy deals at NewEgg.com. In addition to having some of the best prices around, this tech retailer features thorough user reviews, helping you find not only the best price but the best buy for your needs. Sign up for their email blast to get last-minute news on holiday shopping deals.

Apparel and outerwear gifts

When you want a great price but don’t want to skimp on style, try Target. This season, Target has some incredible designer apparel available for a limited time. Gift-ready pajama sets are on sale at low prices, and outerwear for kids is reasonable and adorable. If you’re shopping for serious cold-weather outerwear, try your local Kohl's or shop Kohls.com. The key to saving money at Kohl's is to keep an eye on their sales emails and coupons.

More shopping tips

Holiday shopping survival guide
How to find the best pair of pants for your body type
Save money on kids' clothes by shopping out of season

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?? So the choice of who to succeed him is a pivotal decision, The next Fed chairman must phase out QE while encouraging growth, The Obama TARP fiasco Romney can??t use:If the dynamics of the presidential campaign were different a book called Bailout by Neil Barofsky would be getting a lot more attention Barofsky left a post in late 2008 as a top federal financial fraud prosecutor in New York to become the special inspector general overseeing the $700 billion TARP bailout program He??s written a Mr Smith-Goes-to-Washington-like account of how even after TARP was turned over to a Democratic administration ?C in fact more so after the Democrats took over ?C TARP money was dispensed and TARP rules were written almost completely for the benefit of the bankers who drove America into a ditchFor example there??s Barofsky??s blow-by-blow description of how the rules written by the Obama administration for its much-heralded $50 billion program to help homeowners whose mortgages were underwater were so tilted in favor of the banks and against homeowners actually being able to get relief that only $14 billion of the $50 billion was dispensed with few homeowners getting any help And Barofsky is not writing about compromises the Obama administration had to make with banker-sympathetic Republicans in Congress; this is all about internal decisions that unfailingly seemed to put the needs and mindset of Wall Street above those of Main Street consumersA presidential campaign that wanted to call out the Obama administration for being too friendly to Wall Street and the banks at the expense of Main Street would be using Bailout as the cheat sheet that keeps on giving But with the Romney campaign??s attack coming from the opposite direction ?C that the president and his team have killed the economy by shackling Wall Street ?C and with Romney on record in favor of allowing the mortgage crisis to ??bottom out?? with no government intervention the former Massachusetts governor and his team have no use for BailoutThat doesn??t mean reporters covering Wall Street and financial regulation shouldn??t be digging in if not now then after the voting I want to read a story challenging officials such as Treasury Secretary Timothy Geithner to offer their response to Barofsky??s detailed and convincing indictmentDid Geithner really refuse repeatedly to meet with Barofsky and try time and again to torpedo his investigations into fraud at TARP or his efforts to write rules that would prevent fraud Did the Obama White House and the Treasury Department really argue to Barofsky that implementing what seem to me to be commonsense reporting and auditing rules for those accepting TARP money would scare off the banks from taking these handoutsDid both the White House and Treasury constantly try to undercut their inspector general with leaks to the press portraying him as an ambitious partisan when in fact he is a Democrat and was a relatively obscure if accomplished prosecutor with no previous predilection for showboatingDid Geithner deputy Herbert Allison a veteran Wall Street banker really take Barofsky to lunch at a DC power restaurant after Barofsky had issued a series of reports critical of Treasury??s administration of TARP??s billions (which is an inspector general??s ostensible job) during which he delivered a clich??d ??You??ll never work in this town again?? speechAccording to Barofsky Allison observed that Barofsky was ??a young man just starting out with a family and obviously this job isn??t going to last forever Have you thought at all about what you??ll be doing next?? After which he added writes Barofsky ??I??m telling you you??re doing yourself real harm Out there in the market there are consequences for some of the things you??re saying??Worse according to Barofsky by dessert Allison had asked if he was looking for ??something else in government A judgeship??There??s lots more including Barofsky??s account of capitulations the Obama team has made in the implementation of the Dodd-Frank financial reform bill that has rendered some of its key provisions relatively toothless Again that??s not something the Romney folks would criticize Nor would they be terribly exercised over Barofsky??s explanation of how the rules governing the way TARP money was to be used and accounted for were so watered down that they never required or even encouraged the bailed-out banks actually to lend it out and thereby help revive the economyReporters on the beat ought to get out there and tell us if Barofsky??s stories hold up And they should use his description of these crucial but often arcane in-the-weeds issues as a road map for future coverage no matter who wins in November2 Do CEOs ever pay the priceLast week??s announcement that Bank of America was going to pay $24 billion in a shareholders?? class-action suit brought as a result of the bank??s disastrous 2008 purchase of Merrill Lynch reminds me that I wish I could read something explaining who actually benefits (other than the plaintiffs?? lawyers) when massive shareholder suits like these are settled or get decided for the plaintiffs More important who actually paysDispatches did a good job of explaining what the claims were ?C that BofA and Merrill Lynch executives hid the nature of Merrill Lynch??s near-total meltdown as BofA shareholders were being asked to approve the merger And some such as provided a snapshot of who will get the settlement money: ??those who owned Bank of America shares or call options from September 2008 to January 2009?? which was the period that began when the deal was announced and ended when it was voted on by the shareholdersBut that leaves lots of questions A shareholders?? suit is supposedly brought on behalf of shareholders who own a company Yet the prime defendant is the company So it is the company that pays the settlement which would mean that the shareholders?? assets are being used to pay the shareholdersOf course if I owned shares between September 2008 and January 2009 and sold them later in January 2009 I??d only be on the receiving end But if I still own the shares wouldn??t I be paying myself with my own assets (and with the plaintiffs?? lawyers taking their cut on the way through this round trip)More important it is the company??s lead executives such as then-BofA CEO Kenneth Lewis who allegedly misled the shareholders They are also defendants in these cases But I haven??t read anything about them paying anything Did they Or did the company indemnify them from such suits and/or provide company-paid insurance to cover any personal liability Did the company or company-paid insurance cover their legal fees If so then what??s the point of suing themAnd as long as we??re talking about harm done to shareholders why wouldn??t we now see a new post-settlement shareholders?? suit not against the company but targeted only at Lewis and some of his former colleagues who got Bank of America into this jam in the first place and just caused it to pay out $24 billion (The plaintiffs here could be any current shareholders because they are the ones who are writing the $24 billion check) Again did the company indemnify Lewis and other executives against shareholder suits meaning that if a shareholder now sues Lewis over this $24 billion settlement the shareholder is once again only suing himselfCan someone please sort this outPHOTO: Neil Barofsky special inspector general Troubled Asset Relief Program speaks at the Reuters Washington Summit September 21 2010 REUTERS/Kevin Lamarque"More than two years of civil war in neighboring Syria have aggravated deep-rooted sectarian divisions in Iraq, crying "God is Greatest! that's not surprising.China'sgrowthrates plus undoubted political and economic clout on the international stage put?country from the quartet, While few endorsed the extremist view that greed is actually good, The current debate on raising U.)I??d also like to see a report reviewing how Romney did in his other one-on-one debates: when he ran against Ted Kennedy for the senate in 1994 and when he ran for governor of Massachusetts in 2002. but which ABC took on as a crusade.??

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