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DECATUR - Wise County Messenger

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WISE NOTES FOR CONSUMERS<br />

ALL AROUND WISE, Decatur, Texas, Thursday, December 18, 2008 3<br />

By TANYA DAVIS<br />

WISE CO. EXTENSION<br />

AGENT<br />

One of the fastest growing<br />

gifts around is not the latest<br />

video game, but the gift card.<br />

No matter the occasion,<br />

you’re sure<br />

to receive at least<br />

one. Gift cards offer<br />

many conveniences.<br />

For the giver, it<br />

means you won’t<br />

make a mistake on<br />

size, color or style.<br />

For the recipient,<br />

it means not having<br />

to return a<br />

gift that didn’t fit,<br />

you already had or<br />

just wasn’t you. One important<br />

item to consider is the<br />

stability of the retailer. In<br />

some cases with a company<br />

going out of business, their<br />

gift cards might be rendered<br />

worthless.<br />

Dr. Joyce Cavanaugh, Extension<br />

Family Economics<br />

specialist, offers advice and<br />

recommendations that we<br />

should all consider when<br />

choosing just the right gift<br />

card.<br />

Should it be a retail card<br />

or bank card<br />

Most of us are familiar with<br />

the retail gift card. These are<br />

cards that are bought at and<br />

can be used at a particular retail<br />

establishment. Some retail<br />

gift cards can be used at<br />

other establishments owned<br />

by the corporation. These establishments<br />

would be listed<br />

on the back of the card.<br />

Bank gift cards are gaining<br />

in popularity. These cards<br />

carry the logo of credit, debit,<br />

or charge card companies<br />

like American Express, MasterCard,<br />

Visa or<br />

Discover. They may<br />

be issued directly<br />

by the company or<br />

by a bank, mall or<br />

other institution<br />

and carry the credit<br />

card company logo.<br />

The advantage of<br />

bank gift cards is<br />

that they can be<br />

used anywhere<br />

DAVIS<br />

that type of credit,<br />

debit or charge card<br />

is accepted; and it may allow<br />

the owner to withdraw cash<br />

at ATMs. Mall cards, however,<br />

can only be used at the<br />

named mall or mall chain.<br />

While gift cards may seem<br />

like the perfect gift, there<br />

are some things you need<br />

to know before buying one.<br />

Here are some things to look<br />

for when buying gift cards:<br />

! Expiration dates. Does<br />

the card have an expiration<br />

date It should be visible on<br />

the card or packaging.<br />

! Can a card be replaced<br />

if it is lost or stolen before its<br />

value has been used up and<br />

is there a fee<br />

! Can the bank card be<br />

used to obtain cash from an<br />

ATM, and is there a fee<br />

! Is there a monthly<br />

maintenance fee The fees<br />

will kick in automatically,<br />

whether the card has been<br />

used or not.<br />

! Some bank cards allow<br />

the user to ‘reload,’ or add<br />

more value, to the card. If<br />

this is an option, check to<br />

see if there are charges for<br />

reloading.<br />

For those who give or receive<br />

gift cards, consider the<br />

following recommendations:<br />

Givers should review all<br />

terms and conditions of a retail<br />

or bank gift card before<br />

purchase. You may decide<br />

against a card with a lot of<br />

fees that could drain the value<br />

of the card or one where<br />

this information is not readily<br />

available. Givers should<br />

send the original receipt with<br />

the card so the recipient can<br />

more easily obtain a replacement<br />

if the card is lost or stolen.<br />

Recipients should review<br />

the terms and conditions of a<br />

gift card immediately upon<br />

receipt. If there is an expiration<br />

date, use the card immediately.<br />

If you receive a bank<br />

gift card, avoid transactions<br />

that will result in fees.<br />

I hope this information<br />

proves useful as you purchase<br />

those last minute gifts.<br />

For additional information,<br />

contact Texas AgriLife Extension’s<br />

<strong>Wise</strong> <strong>County</strong> office<br />

at (940) 627-3341.<br />

GIVE YOURSELF A REASON TO SMILE<br />

GET A MAMMOGRAM<br />

BRIDGEPORT<br />

GUNS &<br />

AMMO<br />

DEER<br />

PROCESSING<br />

• Buy • Sell • Trade<br />

Consignments Welcome!<br />

• New & Used Guns<br />

• Reloading Supplies<br />

• Gunsmithing<br />

• Bluing<br />

• Archery<br />

1691 W. US Hwy. 380<br />

Bridgeport<br />

940-683-1777<br />

At Solis Women’s Health, we have lots of ways to make you smile.<br />

When you get a mammogram with us, you can expect the best. We have dedicated radiologists, digital<br />

technology and a warm, caring staff who get you your results in just 48 hours. Early detection saves lives,<br />

so don’t wait. Call today to schedule your annual Solis mammogram. We’ll treat you like the masterpiece you are.<br />

866-717-2551 • SolisHealth.com Illuminating breast care.<br />

Solis Women’s Health Is Proud To Announce The Opening Of A New Digital Mammography Screening Center In Bridgeport, TX!<br />

We are located on the campus of the new Bridgeport Doctor’s Hospital. Walk in appointments available.<br />

SCHEDULE YOUR MAMMOGRAM TODAY!<br />

Boyd: Hwy. 114 & Knox Ave. - 433-2185<br />

Bridgeport: Chico Hwy. - 683-5765<br />

Chico: Hwy. 101 - 644-2208<br />

Decatur: Hwy. 380 & Walnut - 627-3444<br />

Decatur: 1305 U.S. Hwy. 81/287 - 627-1549

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