Wishing you a Merry, Jolly and Blessed Christmas!Just like the Magi, we give honor and praise to our Lord bearing gifts for Him that we deliver to others. Didn't He say, 'whatever you do to the least of my brethren, you do unto me'. What might you do? A good turn, a kind word, a thoughtful gesture, provide a meal to the less fortunate and so much more. For most people, such acts of kindness are represented by a gift.
If you don't have a list, like Santa does, we tend to overspend and buy stuff that are not useful to or appreciated by the recipient.
It's a couple of days before Christmas. If you do not have any idea of a present to give thanks, show appreciation or make peace, get one of those nicely-designed money envelopes designed to hold cash. There are also those novel creations that hold gift cards. No wasteful consumption, overspending and best of all, no returns and no exchanges.
A few things to keep in mind about gift cards-
- There are limits on expiration dates: The money on the gift card will be good for at least five years from the date the card is purchased. Any money that might be added to the card at a later date must also be good for at least five years.
- Replacement cards: If the gift card has an expiration date you still may be able to use unspent money that is left on the card after the card expires. If your card expires and there is unspent money, you can request a replacement card at no charge.
- Check your card to see if expiration dates apply, fees are disclosed and there are limits on fees.
Get more information at http://www.federalreserve.gov/consumerinfo
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