In response to MeMe20, married filing separately is actually the worst way to file your taxes if you're married.  There are a bunch of tax deductions that you're not allowed to take if you file that way (Hope/Lifetime Learning Credit, student loan interest deduction, tax-free exclusion of Social Security benefits, etc....more

@ Under 25...I'm not saying that someone will notice if they get a watch from the Spring 2010 line of watches for Christmas 2011 (unless they're a total snob), I'm saying that a $3 watch is likely not a "durable goods" product in the first place - making your comparison of a $3 watch and a Mercedes even more inapplicab...more

These are all interesting ideas, but I would like to hear from the people that actually GET the gifts she's giving to see what they think.  Even if you can find a new watch with tags still on it for $3, it has to be several years old and the recipient is going to realize that.  When you're that cheap, why don't you jus...more