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03-Apr-2017 04:40

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You want to give a friend a gift, but your friend "has everything" or you don't know what to give.

By giving a gift certificate or a gift card, you make it possible for your friend to purchase the particular item or product that he or she wants.

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Because the federal regulation is so new, specific issues of pre-emption have not been decided by the Board of Governors of the Federal Reserve system, nor have they been litigated.

But there could be consequences in the divorce case.

If your spouse wants to, he can use your choice to date before your marriage is dissolved to obtain a fault divorce.

A gift certificate or gift card without an expiration date is valid until it is redeemed or replaced.

Notwithstanding any policy of the seller, effective January 1, 2008, a gift certificate with a cash value of less than ten dollars () is redeemable in cash (not a new certificate or merchandise) for its cash value.Gift certificates and gift cards are covered by statutes setting these basic rules: Q.1. However, the terms exclude a gift card that can be used with multiple unaffiliated sellers of goods or services (for example, a card that can be used at all or some of the stores at a particular mall) A seller of unaffiliated, multiple seller cards without an expiration date -- many of which are sold by banks like pre-paid debit cards -- may take the position that such cards are not included in the definition of "gift certificate," and therefore service fees or dormancy fees can be imposed without being disclosed. The gift certificate law states that a seller must either redeem a gift certificate or gift card sold after January 1, 1997, for its cash value, or replace it with a new certificate or card at no cost.Are a "gift certificate" and a "gift card" the same thing? Buyers should beware when purchasing "unaffiliated, multiple seller" cards that not all questions about the terms of these cards have been answered and ask carefully about their terms before purchase. Can the holder of a gift certificate or gift card redeem it for cash? Thus, some gift certificate sellers redeem the gift certificate for cash or a combination of merchandise and cash, while some issue a new certificate for any balance remaining after the original certificate is redeemed.You may also want to purchase a gift card for yourself from a business that you patronize regularly.