Are you one of those folks hoping to avoid crowded malls by doing most of your holiday shopping online this year? But you're concerned about late deliveries or other potential problems? Good! It pays to be careful wherever you're shopping. You still need to know where to buy, what you're buying, and to keep good records. As you surf 'n shop, the following are some tips to help ensure that you'll have a happy and safe shopping experience, get your gifts in time for the holidays, and know how to resolve problems that may come up.

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