I stopped by the mall this morning to get a last-minute gift and there were plenty of people there doing the same thing.

If you want to avoid that hassle, or maybe you need to get someone a gift out of town, send an E-giftcard. With an e-giftcard you just email the present to the intended recipient.

Just about all the major retailers have them. And today they're displaying them prominently on the home pages of their Websites just for you procrastinators. Macy's, Walmart and Kohl's are just some of the retailers that have them.

Some of the credit card companies like Discover also have them. Some of the retailers even let you personalize the gift cards.

I know some people don't think gift cards are personal enough. But at this late hour, it's better than coal.