exchange

You've worked hard finding that perfect gift for Christmas, but in some cases what you thought was perfect really wasn't.

Gift cards are more popular than ever it seems. They were an easy gift this year for many of us, and quite a few of us received them too.
The research firm CEB TowerGroups says around $110 billion worth of gift cards were sold this year in the United States, up ten percent over 2011.
But if you receiv…