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 ...

It's proper etiquette to thank someone for a gift, even if it's something you don't want or can't use. That's as true of gift cards as it is of ugly sweaters. Nearly half (47%) of Americans have at ...

Troy Segal is an editor and writer. She has 20+ years of experience covering personal finance, wealth management, and business news. Ebony Howard is a certified public accountant and a QuickBooks ...