A lot of reading and there are a lot of ideas out there. Normally i would expect the best deals to happen at the tail end of the season when series markdowns come. There are a lot of markdowns right now. What is going on. It is more of a monthlong event than a day. Retailers know shoppers will spend on average 75 of their budget at the prestigious stores made budget. Is a huge advantage for retailers to get the best deals out early and often and get those shoppers, where is the best place to shop. Amazon is on going on now. Home depot is offering details on appliances up to 40 off. Sams club has a one day event on november 15th as the iphone for 100 for other stuff. They have started much earlier. If i want to shop online what do i need to know. Cybermonday is still the big thing or should i be shopping at another time . It is thanks giving believe the or not. Thanksgiving is the cheapest day during november for discounts on line. An average discount of 24 and again this goes back to the earlier point. And thanksgiving will be a big day for online shopping. Just going to have a big day too. Over 0. 30 on the dollar will be spent by smart phone. 70 of folks will shop for thanksgiving night and black friday. Talk to me if you would about exactly how to do that. A lot of people i think inga about with is able get ripped off this season. Do i have to worry about losing my credit card number or getting hacked . What is your advice . This is a concern given the hacking situations weve seen going into this season. People are rushing that aside and are going to get out there and spend and are taking a conservative approach to their spending targeting their list and they know what they want to buy. They are following their favorite retailers on social media. Thanksgiving will be a busy day all around. Braque friday will be better for electronics, laptops and cybermonday, 2. 5 billion day is better for closing clothing and apparel. This is the day we will see storewide savings 20, 30, 40 off, 45 more clothing deals on cybermondays and black friday. Gerri it is about clothes rather than electronics. I dont want to pay for shipping. What is the best way to make that happen if i am shopping online . To either bundle all your orders at a certain store together to hit the Free Shipping minimum were shot at the store that reduce the Free Shipping minimum like target which cannot for Free Shipping on been much everything from now until the end of the Holiday Season. Check out Free Shipping day which is later in the Holiday Season as well but its just strategic, to buy things together and plan ahead and strategizing or purchases. Gerri the National Retail federation says sales will go on 4 , they have big expectations but they might be right this year. What is import for americans is to stretch that holiday dollar. You want to buy a lot but what ought by smart, what is the best way to stretch the dollar . Consumers have gotten smarter going into the Holiday Season. They know what they want, they go to sites like the news, goin wallet, they are following their favorite retailers, and a free email alerts, monitoring the situation. They know what they want. When they get into the sports they do additional Price Comparisons. Maria gerri i thought according to you guys the proportion of folks using a Price Matching service not too. Not many people at doing it. How do you know that and explain what the problem is. We put out a harris poll to find information about the Holiday Season and 70 of shoppers have not used a price that in the last six months. All they need to do is go to a store associate, and the item they want for lower price, and a competitor. This is something people are doing the Holiday Season but it is advantageous for shoppers and get most of the done at one store. And they do what all on one trip. Gerri i want both of you to tell me have you started shopping yet . You first. As the couple days beforehand. There is so much effort in and scanning the best deals i didnt have time to shop. Gerri like the shoemakers daughter and son, you are so close to the business. Thank you so much. That according to retail federation. And and a consumer analyst. It is great to see you. The first thing i need to know. Why is it people spending this time on line. Shoppers realized they can access with comparisons sites for the best deal and lots of online coupons. A lot of retailers offer Free Shipping, a nobrainer way to shop for the holiday to save money. Gerri lana shop online and spend less than what i going to this was. I find all kinds of things to buy. You are not as tempted by impulse purchases that are displayed on those files. Gerri where can we find the best deals . You have been studying this and spend a lot of time. The price war is heating up between online retailers this Holiday Season. If you not comparing prices you could be missing on big savings and there are tools to help you compare prices quickly and easily. These will give you instant Price Comparisons on line for this particular product you are purchasing. Of one retailer charges more and offers free returns you may get Price Matching from the Retailer Online selling it for less. Open a live chat or Call Customer Service and you can negotiate and compare cuba on codes for who is offering a better deal and go to sites like couponssherpa. Com where they aggregate different retailers to see which one is offering the deeper discount. I figured out that these retailers are offering different prices to different people in different parts of the country at different times. Even i can the different price by going online at different times of the day in a different part of the country. This is frustrating to me because there should be one price for what i am buying. How do i make sure i get the lowest price . That is called dynamic pricing when retailers based them on what the competition is doing but also fluctuating prices based on their browsing patterns and Purchase History so the first thing you want to do is clear the cookies from your internet browser. Those contain the information about you and your previous Purchase History. Make sure they cant collect that and avoid those price hikes if you spend more on the past. You also want to track price drops, use a site like poaching it which will alert you if anything you recently bought goes on sale so you can go back to that on my retailer and ask for a price adjustment or send an alert through the Holiday Season for something you are planning to purchase at this way you can buy it at the cheapest time is being offered. Maria gerri you have to show me how to do this because it is complicated for a lot of people. You can use google to clear those cookies. The other idea which makes lots of sense, you have specific brands you are buying, among social media, this is a great to get coupons. I have unlock secrets coupon code by miking brand and retailers on facebook and found 30 of an online shoe retailer by checking their twitter feed so if you follow Favorite Stores and brands you will get the deals and the weather is on your phone or your computer and get emails so stores are giving you a new cuba on codes for those subscribers which get your in box and i recommend creating a separate email account so you dont get distracted during the day with those online holiday promotions. Maria i am taking notes on everything you are saying. Thanks for coming gone. Nice to see you. Gerri a lot more to come, wait until you see the gift ideas we have for you, but thanks, one of the most popular gifts, we have pros and cons, traditional gift by the end of the day, my dogs were barking. They used to get really tired. [barking noises] until i started gellin. Its this awesome gel, only in dr. Scholls massaging gel insoles. Its like walking on a wave. I love my dr. Scholls massaging gel insoles. When theyre in my shoes, my feet and legs feel less tired. Theyve got two layers for support and cushioning its dual wave technology. So i feel energized im a believer. Im a believer check sundays paper to save five dollars on select dr. Scholls products. Im a believer. Ooooo. They take us to worlds full of heroes and titans. For respawn, building the best teractive entertainment begins with the cloud. This is titanfall, the first multiplayer game built and run on microsoft azure. Empowering gamers around the world to interact in ways they never thought possible. This cloud turns data into excitement. This is the microsoft cloud. I love my Meta Health Bars. Because when nutritious tastes this delicious, i dont miss the other stuff. New Meta Health Bars help promote heart health. Experience the meta effect with our new multihealth wellness line. Gerri our users guide to Holiday Shopping helping you take the stress out of the season with expert advisor on all you need to know after making your purchases and it appears many of the will be giving gift cards according to the National Retail federation, give car. Com as requested holiday gift for 8 years street. With all you need to know about cards, thanks for coming on the show. Great to see you here. I think of gift guide as the lazy mans gift, you dont have to shop around, you dont have to wrap the products but people still seem to be asking for them. People still love them and are giving them and there are a lot of interesting things going on at retailers where they are finding ways to make them more personal and make it look like the person put more thought into it. Gerri most of them electronic. You wont realworld one, you will get something on line. 60 of all give cards the offer are offered electronically and that taking the steam as well. Gerri is it people who have families that are far away . Who buys these cards . Millennials, they are not as popular with retirees, they do better with men versus women. One interesting thing is the higher income bracket you make a lot more likely to give a gift card. It has a lot to do with time, time to look for gifts. Gerri lets talk about pros and cons. It is ease of purchase, convenience makes a great and there are some fees you might not want to play . They announced for specific cards issued by banks or networks, those will have fees attached for fees and activity fees, dormancy fees because that is how the network is making money, store cards tend not to carry them because for will make money off of the purchases. Gerri Something Like 3. 50 to as how much . 3. 95 to 6. 95 though anything over that should be something to look for. Maria i find that is too much. At the end of the day, wouldnt it be a better strategy for people, that is what theyre looking for, to find that 4 of the person you want to give to, buying your card there . That works because you are saving yourself money and you are showing that you know something about them. It does make it more personally view give them a gift card to your favorite store. Tell us about the dormancy fees . Between 2 to three dollars a month after you stop buying them for a year. Gerri you lose value if you dont use that card. Does it go to zero . People get gift cards and forget about it. Gerri but if you buy an e. Card you are in a better situation . It is popular among retailers and those are the gift cards that are not going to carry feast on them. They sit in your in box and easy to remember you have them and easytouse, you put your phone out and you are a good to go. Gerri thanks for coming on the show. We give you a look at the best tech gifts under 200 according to Consumer Reports but up next money is no object when it comes to these give ideas. We are heading inside the catalog with a look at fantasy gift ideas. How could switchgrass in argentina, change engineering in dubai, aluminum production in south africa, and the Aerospace Industry in the u. S. . At t. Rowe price, we understand the connections of a complex, global economy. Its just one reason over 70 of our mutual funds beat their 10year lipper average. T. Rowe price. Invest with confidence. Request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. You dont need to think that makes our lives possible. Because we do. Were exxonmobil. And powering the world responsibly is our job. Because boiling an egg. Isnt as simple as just boiling an egg. Life takes energy. Energy lives here. Gerri welcome back with special edition of the willis report this saint scamming day, our users guide to christmas shopping. Domestic traffic and gifts, we are really good this year, the luxury retailer has there 2014 christmas book with amazing options. Welcome to the show, and great to have you here. Is always so much fun. How many years have you been doing this . We have been doing a christmas catalog since 1926, over the top fantasy gift for the last 50 years and when we say over the top lean over the top. Lets start with some stuff you might actually buy and we will show this stuff on our set. You have an incredible Waterford Crystal caviar and vodka serving said. Tell us about that. Is a beautiful set, 18 gold medals pleading run the outside and you can do with vodka and as well as some fabulous caviar. Gerri the vodka set is 2,000. You got what you are calling a multi game set. This is for a person who likes to play a little soaker, it is really gorgeous, sitting on our set right now. Tell us about that. Crocodiles that comes with everything you need to redeem night if that is what you are having and chips, cards, everything you would need, a game night at home. Gerri with this set in our office is pretty bland. Crystals where the little dots are, it was pretty amazing. Tell us about guitar purses. These are just great for an just great. Hobbit nixon great queen have. Gerri dogs dont read the last i checked. Fantasy gifts, these are an amazing. You have the 50,000 waterskiing that goes on land too. Essentially an a tv vehicle, with the flip of a switch in five seconds which is to an amphibious vehicle. I thought, 550,000 of peace, and a french bathing suits manufacturers so they are a lot of fun and i think of somebody wants to hang out at the beach, this would be a great. For them. Gerri how many will you sell . Hard to say. I have given the being in the prediction business but we have had quite a number of calls on them and i would not be surprised if we sell between 5 and 10. Gerri 100th anniversary maserati. This is attractive. They did a special edition, these cars, 95,000, very beautiful, it has a special mention in it, it is a 4 wheel drive which is unusual. For someone looking for collectiblescollectible vehicle, it looks great. This is a perfect car. Gerri we have a special guest sitting here on set with me who is down on this even as we speak. Look at lucas. He is demoing and he sat up. It looks like to me from here it is summer savings. It is. It is the little red mercedes vehicle just what everybody needs. Dont think it will go more than 3 miles an hour but that is a great gift for a child if you are trying to delight him on Christmas Morning. Gerri he has been playing with it. You are supposed to sit forward. There you go. Awesome. It was a great stewart and i feel edified and might get that ice scraper. Thanks so much. Coming up next, more hot gift ideas. Help find gifts for the tech geek in your life without breaking the bank, Little People in your life, toys r us are here with a look at the best and hott gerri values ears dyed to Holiday Shopping continues and all this week we have been talking about to survive Holiday Shopping season without breaking the bank. If you are in the market for a hightech gift without a high price Consumer Reports has done it for you putting together a list of the best electronic gifts, each are under 200. Joining me is this those Electronics Editor terry sullivan, welcome. Let me tell you about a problem in my household and i am not the only one out there. My husband is a total geek, loves technology. I am not a neophyte. How do you do that . You look at the price point. That is one of the really important things change you would want to look at the features he most loves like if he likes connected devices, like smart phones, tablets, some of the tablets like the samsung here, that allows you to use it as a remotecontrol, the tablets allow you to use it as a Remote Control with your tv so there are connected devices or maybe quality is what matters to them so that is the other thing to look at, look at quality, sound or quality. Gerri we will talk about these categories licking your december issue you blow all of this out, every category. The one we have on set is the samsung and we are looking at this is a nice tv for a kid in college, it is 200 bucks here. The picture quality is great and all of them should have the willis report, some ideas. We are looking at it from that angle and that is one of the things, the angle of view, if you have a crowd, college kids are crowded around, you have a good angle of view and good quality. Gerri these are from bos. These are in the year but you also have noise canceling qualities to them. What you have is a technology that allows you to block out the noise and they are comfortable so you can block out your kidss selenide and i can listen to my men at work music and not worry about it. Gerri i love these things because you get music on your ipad, your iphone a you hear it throughout your office, this is 200. There is a lot of interest in this category. How do you navigate . You want to look at features, some of them allow you to connect wirelessly or via bluetooth and that will be an important thing. For some of them you might not have the ability to