Learn how to use gift cards wisely with smart tips to avoid waste, boost savings, and get the most value from every gift card ...

Raise your hand if you've already spent hours searching for gifts for friends and loved ones. This holiday season, skip the hunt for the perfect present and give people what they really want: money.

Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. She has conducted in-depth research on social and economic issues ...