Buying for loved ones can leave some in a state of panic, but there are easy ways to conquer your fears and maybe even win this year's "best gift giver" award.

First, stop buying gifts that you like and think they need. Household appliances – no way. Socks, t-shirts and underwear – boring.

Second, take note of their interests – sports nut, fashionista, wine connoisseur – these can be helpful clues.

Third, just ask them what they want, and if they say "I don't know", send them an eGift™.

As corny as it may sound, spark a conversation about their wishes and dreams and ask them what they'd love to own, but wouldn't buy for themselves. A gift is meant to bring joy – whether it's a vacation or something tangible, it should be something the receiver will adore each time – even if it means a canoe that only hits the lake twice a year.

For women, jewelry is fairly foolproof. The latest trend is all about charms and beads hanging off necklaces and bracelets. Make a big splash by choosing two necklaces at varying lengths so she can layer them or get a necklace or bracelet personalized. My favorites are Haley M (www.haleym.com), Satya and Julie Sandlau.

Cashmere is luxurious and chic – so why not give her three different styles? Stack a thin black turtleneck (a wardrobe must-have), a colorful cardigan and a v-neck version and tie together with a big ribbon. For an extra special touch, hang a pair of cashmere blend socks from the ribbon to keep her feet warm all winter long. Show your favorite gadget girl you appreciate her tech skills with a digital/video camera, new laptop or the latest iPod with an iTunes gift card.

For men, sports gear like a new golf bag filled with all the essentials for a day on the links. Include golf balls personalized with his name, a short message of encouragement and two new golf polos folded inside the bag. Add a funny card that gives him two free "Saturday passes" to play with his friends. Or for the thrill seeker, buy him a weekend at a racecar driving school that will leave him bragging for years. Extend that second honeymoon in Sonoma – give him a wine of the month club membership. He can demonstrate his wine tour knowledge each month when he receives his delivery of Merlot and Chardonnay.

Are you completely confused about her size but you know she looks good in blue? Does she love roses when you surprise her with flowers? Then spend a little time online choosing five possible e-gifts and leave the final choice to her. It will show her how thoughtful you are and she won't have to wait in line at the department store to return a gift she doesn't like. This works just as well for the guys.