A woman looks at a DKNY holiday window display, Tuesday, Nov. 23, 2010 in New York. The nation's retailers are looking forward to swarms of shoppers on Black Friday. (AP Photo/Mark Lennihan)
Although there aren't that many shopping days left till the holidays, retailers will still treat you to as much as 14 percent earnings on any money you put aside pre-holiday.
The best deal we've found is an online savings tool called Smarty Pig (which partners with FDIC-insured BBVA Compass, a Sunbelt-based financial institution) and allows you to stow money as you would at any other bank, but you can withdraw your balance in the form of bonus-added retailer gift cards.
Someone who opened an account with $500 in November could turn that into $570 in Lands' End gift cards, a 14 percent bonus, in two weeks.
To learn more, visit http:// www.smartypig.com/
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