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Will My Gift Cards Expire?

Now that the holiday season is over, I’m sure that everyone walked away with a few gift cards from family, friends, or co-workers. Whether it be an i-tunes card, store card, or just a good old debit card, each gift card should be closely examined so you make a smart money move and don’t lose any value of the gift. The Federal Credit Card Act of 2009 included provisions for gift cards that became effective August 22, 2010 and applies to cards sold after that date.  Under the Act, many types of retail cards are prohibited from charging inactivity fees unless the card has been inactive for at least 12 months.  All terms and conditions for a card must be disclosed directly on the card.  Additionally, gift cards may not expire for at least five years after purchase. (source: federalreserve.gov) Gift cards may still have terms and conditions that can decrease the value of the gift card.  These include charging: ...

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Yugster.com

I am always searching for websites where I think you can get a deal or two during the year. Last year I talked a bunch about www.1saleaday.com, and hopefully you scored a deal or two on that website. One website to add to your favorites this year and check daily is www.yugster.com. Yugster offers a daily favorite deal, a watch deal, a yours until gone deal, and will offer other season deals. Every day a new product goes on at 6am EST and when it is gone, it is gone. Here is the trick, if you become a Yugster, you get that offer a day before everyone else. Just log in and you see today’s Daily Offer for the public and today’s Sneak Preview Offer (which is tomorrow’s public offer, assuming it doesn’t sell out). Once you are a registered Yugster, you can also receive several emails per week giving you a heads-up to what we are selling that day ...

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Home Depot Has 32ct AA Batteries For $5

If you take a peek this week, there may be some Black Friday leftovers that just didn’t sell out. I was in the Home Depot on Friday afternoon, and they didn’t sellout on the 32 ct. battery packs of Ray-O-Vac AA batteries. Right near the check out lines a pack of AA batteries (32 batteries) was on sale for $5.  Since many households have Wii’s, cameras, and other electronic gadgets that chew up these batteries, you might want to get down to Home Depot tonight to see if you can snag a few of these before the inventory is out!  Just another Smart Money Move for the Holiday Season! Related Articles – 5 Great Stocking Stuffer Websites , Tired Of Mass Produced Junk: Try Etsy! , The Top Ten Great Deal Websites , Join the mob? – Scoutmob.com oXYGen Financial, Inc. co-CEO Ted Jenkin  is one of the foremost knowledgeable professionals in giving financial advice to the X and Y ...

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Which Term Insurance Is Right For Me?

If you are in the market to buy life insurance, you need to remember that not all term insurance is created alike. Here are some key items to remember so you can make a smart money move. 1) Renewable Term – Most often this comes in the form of yearly renewable term which your premium starts out incredibly low and increases every year you get older.  Sometimes you can get this renewable term in a 5 year increment, but most often it is sold one year at a time. Depending on the company, you may not have prove your medical status yearly as long as you pay the premium. 2) Level Term – This is the most popular option today.  You can essentially get a fixed premium with a fixed death benefit for a fixed period of time. The premiums on these policies are level for the length of time you have the insurance policy, and generally cannot be cancelled ...

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Spend Those Airline Miles Now!

In the past twelve months we have seen major mergers and takeovers in the airline business. We had low fare king Southwest buy another low cost carrier Air Tran. We also had the big merger between United Airlines and Continental Airlines. Like many industries, the airline business is shrinking down to just a handful of carriers. Will that mean higher prices for us?  Well, the airline industry has lost $50 billion in the past 10 years, including $11 billion of red ink in 2009 alone, according to the International Air Transport Association. So what changes can you expect? Most of the articles around this topic discuss higher ticket prices, more bag fees, and ancillary charges both in the air and on the ground. Like many mergers and acquisitions, when two businesses collide there is the initial phase of cost cutting to figure out where the big money saves may happen in the business.  After that comes the entire business transformation ...

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