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Don’t let your gifts disappear

About $17 billion of gift cards were given as gifts this past holiday season, according to the National Retail Foundation. That very likely means you or someone in your family received a gift card.

Gift cards are convenient, and since you get to choose what you purchase, you get what you want without having to exchange a gift that didn’t fit or that you didn’t like. But be aware of the fine print that comes with some gift cards. Some have monthly fees that eat into the card’s value if the card goes unused; others have expiration dates after which point the card is worth nothing.

To insure that you get full value for any gift card you received this past holiday season, check the fine print. Don’t let ignorance of the requirements reduce your gift to nothing.