DECATUR - Wise County Messenger
DECATUR - Wise County Messenger
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 />
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Bridgeport<br />
940-683-1777<br />
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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