In addition to the risk of your gift cards becoming worthless, another consideration must be taken when shopping during tougher economic times. This is to remember that no matter how big or impressive a retailer is, they still can go under. What does this mean for you? Be careful of buying anything into the future. Certainly, a gift card is one example of buying into the future. So are gift certificates. These are actually samples of unsecured loans. You are giving the retailer a loan for your future purchase. If they go bankrupt, typically unsecured loans only receive a payback … Continue reading →