There are a variety of opportunities for holiday shoppers, including stores, catalogs and the internet. If you’re heading out to the mall this year, have your shopping list ready. It’s a good idea to shop early in the season because, if you wait too long, that perfect gift may already be under someone else’s tree. Always remember to be polite. The holidays are extremely busy and store employees are working overtime, so be patient as you wait for assistance. If you have a big list,…