Gifts Of Securities In Certificate Form: Fill & Download for Free

Dear friends wishing you all a very happy and prosperous Diwali !!! May this Diwali bring all the happiness, prosperity, health and richness at our doorstep. Have a safe and delightful Deepawali!!Diwali is a festival of joy. It is a festival of new hope. And importantly it is a festival of wealth and prosperity. We worship Devi Laxmi so she bestows her blessings upon us and all our desires and aspirations will be fulfilled in the future.Many of us buy new things on the day of Dhanteras, Laxipujan, and Pawda(Gowardhan Pooja) days. Gold is one of the most sought after purchase during Diwali... We Indians are in love with Gold. We believe the gold which we purchase on such an auspicious day will be a good fortune (Shagun) for our wealth. Gold can be purchased for two uses.For consumption purposes: It has to be in the form of jewelry. You use it and enjoy it.For investment purposes: Digital options available for this.Let us see what are the options available for buying gold for Investment purpose:Gold is one of the asset classes available for the investor to diversify their investments. Gold can be considered as the hedge against inflation. In the last 20 years, Gold has managed to give returns up to 10.05%, if 10 yrs period is considered returns are dropped to 5.82% and if we consider 5 year period then returns were merely 4.68%. But last year again Gold gave good returns. It means there is a huge variation in gold return. Gold has an inverse relationship with Equity. You can have gold as 5 to 10% of your overall portfolio. It helps to increase a portfolio's overall return. Here also you can invest in 2 ways.Gold in physical form: Still Indians like those investments which they can touch and feel. gold is one of those. So many still prefer to buy gold in physical form,Gold coins and bars: IF you are buying gold for investment purposes and that in physical form it is always better to buy gold in the purest form. That's why gold coins and for the affluents gold bars are the most suitable tan gold jewelry. When you can to liquidate this asset you can get the maximum gold value. Buy one gram of gold each month in small quantities to diversify the risk of price variation.Gold in paper/digital form: In this modern digital world we are blessed to have good options available to buy gold in paper form. It hedges the risk of storage, theft, lost or misplaced as well as damaged because of fire, flood, and other natural calamities.Gold Exchange-traded funds(ETF): Gold ETFs are the same as other EFTs where gold is an underlying asset. It is traded on BSE/NSE. An exchange-traded fund (ETF) is a type of security in many ways similar to mutual funds; however, they are listed on exchanges. You can do SIP of 1 gm of gold in Gold ETF to accumulate the gold for kids' marriage purposes or just as an asset class. Gold ETFs are low costs funds and offer price transparency as well as no entry and exit charges for buying and selling the unit., You just need to open a demat account and a trading account online by submitting PAN, ID proof, and residential proof to buy Gold ETFs.Sovereign Gold Bonds(SGB): The government of India started offering gold to citizens in the form of paper gold as a substitute for holding physical gold. The Bond is issued by Reserve Bank on behalf of the Government of India. The government comes with these bonds on periodic intervals in the primary market. Investors looking to purchase SGBs anytime in between the only way out is to buy earlier issues (at market value) which are listed in the secondary market. You can get the application form by the issuing banks/SHCIL offices/designated Post Offices/agents. It can also be downloaded from the RBI’s website. Banks may also provide online application facility. Holding years of SGB is for 8 years, Apart from the purity of gold and price transparency added the advantage of SGB is that the Bonds bear interest at the rate of 2.50 percent (fixed rate) per annum on the amount of initial investment. Interest will be credited semi-annually to the bank account of the investor and the last interest will be payable on maturity along with the principal. The customers will be issued a certificate of holding on the date of issuance of the SGB. On maturity, the Gold Bonds shall be redeemed in Indian Rupees and both interest and redemption proceeds will be credited to the buyer’s bank account.Gold has a sentimental value to Indians more than economic value. No matter what will be the price of Gold we still prefer to use Gold as gifts and self-consumption. But we should always look at how much gold we have in our overall portfolio. Ideally, we should not have more exposure to gold than 5 to 10% of overall portfolio value.Use Gold as one of the asset classes and always buy gold in digital/paper form for investment purposes.

When esteemed mathematician and philosopher Kurt Gödel, a refugee from Nazi oppression, was being interviewed for US citizenship, the story goes, he was asked if he thought it was possible for a regime like the Nazi's to take over the United States. Gödel had apparently pored over the Constitution in anticipation of the interview and claimed to have discovered just such a loophole - to the examiner's horror.It's never been revealed what Gödel's loophole was - it's wide open to speculation - and many of the details of the story have been lost to anecdotes and retellings of variable quality. While I won't suggest that this answer is one such possibility, it does strike me as having frightening potential for leading to the kind of fascist regime Gödel escaped.While the patchwork of state and local laws governing political activities and policing would make it difficult for a party-sponsored paramilitary organization to become a national force, the heart of the answer is that there isn’t anything explicit in law to stop something like the SS from emerging in the US.The issue really hinges on the legal status of political parties in the US. They’re not expressly sanctioned by the Constitution, and other than with respect to campaign conduct and finance laws, they aren’t defined in US federal law at all. This is because elections are run at the state level, per the Constitution, and not the national level.The Republican and Democratic National Committees, for example, are private organizations that provide national coordination services to their state chapters for the purposes of selecting and supporting candidates for public office.The definitions and conduct requirements of a political party vary from state to state. In my home state of Virginia, for example a "recognized political party" is:an organization that, for at least six months preceding the filing of its nominee for the office, has had in continual existence a state central committee composed of registered voters residing in each congressional district of the Commonwealth, a party plan and bylaws, and a duly elected state chairman and secretary. [Although to receive automatic ballot access thereafter, they must then receive at least 10 percent of the vote in a statewide election]Whereas Colorado (chosen randomly) goes so far as to define “major” and “minor” political parties:"Major political party" means any political party that at the last preceding gubernatorial election was represented on the official ballot either by political party candidates or by individual nominees and whose candidate at the last preceding gubernatorial election received at least ten percent of the total gubernatorial votes cast."Minor political party" means a political party other than a major political party that satisfies one of [several] conditions set forth [in law] or has submitted a sufficient petition [signed by at least ten thousand registered electors].Now, not being an expert in election laws in all 50 States, I stand to be corrected in saying that there are not explicit prohibitions on political parties having militia or paramilitary wings – or, at the very least, political parties in the states are not defined to exclude the possibility.Going back to Virginia, an upstart political party may have on its legally required central committee a “Director for Party Security.” In the party’s bylaws that role might be defined as something innocuous like, say, “he shall provide for the physical security of party members at official party events or while conducting political duties on behalf of the party.” That could very well get a pass.If challenged, the DPS/central committee might say, “We train our volunteers to keep the peace at our events and to liaise with law enforcement if necessary.” That would probably strike most people as a really, really weird thing for a political party to care about, but there’s nothing wrong with that on its face.So let’s say this fictional party, despite its weird emphasis on the security of the party faithful, does well enough to succeed at the ballot in a couple of states. It forms a national committee (or maybe it formed the national committee first and devolved to the states, whichever), and it begins to accrue a nice little war chest from donations. It’s getting more difficult for the various state DPS’ to keep up with "maintaining security" at the growing events, though – and the quality of volunteers is too variable.One enterprising DPS starts a security consultancy where party volunteers may be sent for rigorous training – or the firm might be contracted to provide security from using its own staff (who happen to have been plucked from the party faithful). He “resigns” from official party duties to avoid the appearance of impropriety, naturally, in accepting security contracts from the party; but he does set up a Political Action Committee to make sure money goes back into the party war chest when possible.On the side, this security firm also puts in tenders for government security contracts – some of which are overseas – and because they offer cheaper rates than other firms (being partially subsidized by a new and emerging political party helps keeps costs down), they’re usually selected.Up to this point, no laws (that I'm aware of) have been broken. The party is merely trying to provide for security at its events, its volunteers are being properly trained and have not taken law enforcement into their own hands, and there is nothing preventing a party from contracting a properly licensed firm for security at its events when relying on volunteers alone is insufficient. Moreover, depending on the state in which the security firm is organized, it's probably not against the law for the senior executives to screen current and prospective employees for their political affiliation, since that is not a class explicitly protected from discrimination.I will take this moment to note that in 2014, the Republican National Committee paid (non-paramilitary) firm Securitas Security Services USA a total of $462,835 to provide security at its events. Obviously I’m not suggesting that the Republicans are starting a covert paramilitary force, just illustrating the point of legality. I’d happily be bipartisan and call out the DNC for doing likewise, but so far I can’t find any security services expenditures in their financial reporting.The next issue in turning this security force into a pseudo police force would next require the amending of state laws to allow for agents of private security firms to operate as law enforcement officers. All states have statutes governing the certification of private security officers, and these place limitations on how far they can go in preventing criminal activity. Either these restrictions would have to be relaxed, or the state would have to make it legal to privatize its law enforcement responsibilities. Many states already permit this, and the trend has been growing for a while (noting that article was written in 2007).But it’s not enough to say that a politically affiliated security firm that acquires limited police powers is on the same page as the SS. To get to that level of notoriety, there are many more hurdles that need to be considered. Certainly at the state and federal levels there are restrictions concerning voter intimidation or suppression, assaulting journalists, or attempting to “unduly influence” elected officials (much less through violence), which the SS did extensively in order to aid the Nazi Party’s rise to power.The thing about laws, though, is that they’re only as good as the people who choose to enforce them – and that’s where things could get scary, as follows (because of course I was going to accompany this answer with a micro-fiction).Gold Eagle SecurityYou’re a good citizen. You diligently pay your taxes with a sigh, and you vote in most elections – the ones that matter, anyway. You keep your politics to yourself, though, because you don’t think it’s really anybody else’s business.Recently, you heard about a new party that’s organized in your state. Supporting third parties isn’t really your thing, as your preferred party has aligned well with your beliefs, but you look them up out of due diligence.On the surface, you don’t see anything too terribly offensive in their party platform – it’s all boilerplate stuff about making the country great, supporting the individual, and keeping the government out of your business – but nothing to compel you, either. So you ignore them and figure they won’t get far.On Election Day, when you arrive at the polls, you’re a bit surprised to see that this new party has a booth set up next to the Democrats and Republicans (and that lonely Green volunteer who’s been turning up alone since time immemorial). While the other volunteers are casually dressed (the Green maybe a bit too casually), the new guy is wearing a crisp suit over a white collared shirt with an Old Glory tie. You approach him just out of curiosity.Up close, you note his lapel pin. It’s a gold bald eagle on a white background surrounded by an oak wreath. It’s bordered by a blue field with silver five-point stars.You make small talk. He moved here after his time in the Army was done. You reflexively thank him for his service, and point out the lapel pin. Something from the Army? It’s a token the party gives to combat veterans.You think that’s a little weird, but it’s not like the other parties haven’t glorified the military in some manner or another. What are you doing now that you’re out? He’s a police officer – off-duty today to work the polls – and part-time consultant for a security firm.That’s the extent of your conversation before he makes the partisan pitch you’ve been expecting. You politely nod along as he talks. He offers you a sample ballot, and you decline. You were just curious. His demeanour seems to change immediately. He’s a bit gruff when he tells you to “have a nice day” when you walk away from the booth.You give a handshake to the party volunteers you’re used to (even the lady from the “other side” who’s actually very sweet) and you go do your civic duty.When you leave the polling station, you feel like you’re being watched, but you chalk it up to a cold November morning.You check the election returns that night before going to bed, and it looks like this new party has picked up a few seats in your state legislature – mostly from the crazy part of the state (of course). It’s big news, though, because their victories have cost both parties a majority in the lower house, so they’ve become something of a power broker. They weren’t as successful in other states, though, so this might just be a flash in the pan.Your candidate made it in, though, and that’s all that really matters. He can deal with the politics in the capital. Congress hasn’t changed anyway, so what’s really going to change?A few months down the track, and you’re at the mall. The new party has a recruiting booth set up. They’ve drawn a (very) small crowd, and a couple of people are signing up. Off to the side of the young, enthusiastic volunteers, though, you notice someone in a black t-shirt and jeans and you think… A holster? What kind of idiot brings a gun to the mall?As you’re lost in thought contemplating the armed man, you bump into someone. Not just anyone. It’s the officer from the polling station – now very much on duty. You apologize, and he begrudgingly accepts.You ask if he’s here about the armed man, and he curtly reminds you that this is an open carry state, and he’s not breaking any laws. Yeah, but isn’t it weird? He has his rights.You feel a bit uneasy, so you apologize to the officer again and go about your business. As you exit the mall, you see the officer chatting it up to the armed “overseer,” as you dubbed him in your mind. When you walk by the booth, you pick up a couple of pamphlets – earning a smile from the young volunteer.One of the pamphlets touts the party’s commitment to community, including an upcoming youth retreat where children can learn outdoors and “survival” skills, to include marksmanship courses. Another one lists off volunteer opportunities, to include “security.” They all have the boilerplate party information you remember from before, and they’ve obviously co-opted the eagle as their party symbol (which annoys you a bit).As November approaches, you’re reminded that there are local seats up for election, but they’re all non-partisan. Besides, does the county sheriff seat really matter? They’re going to enforce the laws no matter who’s in office. Solidifying your decision to stay home, it rains on Election Day. You’re not even bothered to check the results the next day.Another year goes by, and the upcoming election really matters. Not only is it a presidential year, but the governor’s seat is also up. The new party (well, they’re not so new anymore) is running a candidate who’s been doing marginally well in the polls. He won’t win, but he’s forced the campaign narrative to go in ways that really unsettle you.Your friend’s car is broken, and he asks if you can ride him to the polls on the way home from work. You agree, even though you really prefer to vote in the morning, and at the end of the day the two of you head over together.The moment you pull into the parking lot, you feel like something’s not right.You don’t see that Green volunteer anywhere, but he might have just rolled out. No, that's not it.Your friend points it out. They're here. A lot of them. They're in a group, happily chatting and having a laugh. You immediately spot the officer, who seems to be leading the pack. Surely he's off duty, so why's he in uniform? The rest of his group are in matching long-sleeve shirts and dark slacks – a casual uniform of sorts.They're hanging out by the entrance, so there's no way to avoid them. As you pass, you note one of the long-sleeved young men has the same lapel pin as the officer. You also notice that the police officer isn’t wearing the local sheriff’s patch on his uniform. He’s with a private security outfit. What is he doing guarding a polling station?Just as you think you're going to walk past without recognition, your friend mutters something aloud about "fucking jackbooted assholes," and their laughter stops. You swear you can hear the air crack as they turn their heads towards you and your friend.You stammer out something about that not being cool and quicken your step. When you approach the usual bunch of partisan volunteers, you can tell that they look a bit stressed and wary - even that sweet lady. Your friend makes a show of taking one of their sample ballots, and you two go in to vote.When you leave, you try to walk on the other side of the parking lot, but your friend stridently passes the group of partymen with his sample ballot in hand.Unlike a few years back, you know you're being watched. You leave quickly with your friend, who won't stop ranting about those assholes until you drop him off at his place.When you get home, you immediately switch on the news. The party's candidate hasn't made it to the Governor's House, but he did better than expected. Other candidates were more successful, though. One state's legislature is now dominated by the party.You sleep uneasily.In the morning, the tires of your car are slashed, and its windshield has been broken out. Your insurance company requires a police report. That's fine, because you know exactly whom you want to report for the crime.The officer from the polling station responds to your call. Send someone from the actual police department! This is a non-violent crime, which we’re contracted for. I want someone else. Nobody’s available right now. I want a supervisor.Why are you being hostile? His interview of you proceeds along that theme. What's wrong with you? What have you done that would upset someone? If you were asleep, how could you be so sure who did it? You'll get a copy of the report in the mail.After he leaves, it occurs to you to call your friend and check on him.He doesn't answer.You call the sheriff's office to lodge a complaint, but you’re referred to his firm’s customer service line. No, that’s not good enough. They invite you to come in and lodge a complaint in person. You're angry enough to go and give them a piece of your mind. They get you in with a deputy sheriff.That cop is a jerk! He doesn’t work for us, and besides, you’d be his first complaint. He's got a perfect service record. Yeah, well, don’t send them to my house again. Have to, unless it’s a violent crime. Why do you let your officers engage in politics? Their own time is their own business. What are you going to do about the people who trashed my car? You don't have any evidence of who did it.While the deputy is taking down your complaint, you take a brief scan of his desk. He has a golden eagle lapel pin. Your blood boils.Why do you have a political pin in your office? It was a gift, not political. So you're not in the party? What party do you belong to? None of your business! Likewise.You leave, and on your way to work (now very late), your friend calls you back. He's in the hospital. Someone jumped him when he was leaving his house. He was on the ground and out cold before he could get a look at who was responsible. But he's sure of who it was that got in a few blows – or one of them, anyway.You both are. This has to stop.You check when your county board is meeting, and you intend to raise the issue of the privatization of the police force. As you build your case by cruising around online, you find allegations that the security firm running “non-violent” crimes in your county has deep connections to the emerging political party. They’ve even been contracted by the Federal government to conduct security operations overseas. There are rumors that they’re looking to expand into private prison services.You’ve seen enough.When you’re given your five minutes to make your presentation to the county board, you try to keep yourself from coming off as a conspiracy theorist as you lay out your concerns. Still, you can tell that the panel is not entirely persuaded. At the end of your speech, the Chairman insincerely thanks you, reminds you that this was put up to a vote in the last election, and it passed, and this has freed up the county sheriff to pursue more serious crimes.I want to put it back on the ballot. The law doesn’t authorize this to be put up by popular referendum. Then make a motion! We’ll consider it.You leave the hall dejected. The county board doesn’t act.The Midterms are coming up. You're out mowing your yard when you spot a college-aged kid going door-to-door, dropping off pamphlets. It strikes you as a bit unusual, because normally your district isn't competitive enough to warrant volunteers showing up.As he approaches your house, a pair of volunteers from the ascending party also walk up the street. One of them is a particularly burly looking fellow. When they spot the other volunteer, they stop going house to house and approach him. You get a bad feeling and go inside to get your phone to call the police.By the time you're back outside, the two thugs are wailing on the volunteer. You charge into the fray, shouting at them to back off. You've got the police on the line, and you've taken their picture, so they'd best stick around.They're smirking as you read them your version of the Riot Act, and help the battered volunteer in your house. It turns out he's not from your party, but it doesn't matter.The contracted officer you've encountered now too many times shows up.I thought you only did non-violent crimes. Our services were expanded. Did you see who started the fight? No, but of course it was them. They say the volunteer pushed them first. Bullshit. But you didn't see it.He arrests the volunteer. You threaten to call the news and highlight this perversion of the law. "Do what you have to do."The paper already has a reporter assigned to cover the spate of election-related violence. She comes over and interviews you. You don’t care if you sound like a nut job as you run through your personal history of unease about the state of politics since the party showed up. She seems entirely sympathetic.You're called to court as a witness a few days down the track. The reporter is there, too. The thugs argue self-defense - they just wanted to talk, and he lashed out. The volunteer says they had been harassing him all day. You can't say who threw the first punch, but you know the thugs showed up looking for a fight. The contracted officer says he's responded to your house before, where you had a paranoid go at party members and probably weren't an unbiased observer.The judge tosses the case.The reporter's story runs a few days later, alleging "volunteers" of the party have been implicated in numerous acts of violence in the run-up to the election. To your disappointment, though, there’s no mention in the article of their connection to the party-sponsored security firm. The state and national party organizations denounce politically motivated violence, though insist on their volunteers' innocence. The other parties are working together to discredit them, they counter, because they're afraid of how quickly they've come to power.Because of the danger to their volunteers, they say, they're going to increase security at their events. If elected, they also promise to clamp down on "un-American" politically motivated violence through strict laws at the state and federal level.Like hell you're going to let them be elected!The day of the Midterms, you leave your house and find a group of men at your car.They ask if you need a lift to the polls. Fuck off! You see that your tires are slashed. I'm calling the cops!You don't see the fist that knocks you out.You miss the election while in the hospital. Turnout for your (and the other) party is at an "historic low." Your incumbent Congressman has narrowly lost; and while the Senator won, it was by the lowest margin in his career. The ascending party has secured power in numerous states.When you get home, you try to call the reporter who covered your day in court. She died in a hit-and-run accident months ago. The car that struck her was stolen, and the driver fled the scene. Despite pleas from her family, the police closed the investigation with no suspects.This can't be happening. Not in America! There are laws against this bullshit!Still, you know you're on the party's shit list, and you'll be damned if you let this happen to you again. Words from years earlier pop into your head, "This is an open carry state."You buy a gun.Local elections are coming up again. The sheriff's seat is up. You're damned sure you're going to vote him out of office. You'll vote for whomever promises to fire whatever’s left of the goddamned police force! That’s how you feel, anyway, until you see who’s opposing him for the office.It’s your favourite officer.Oh, fuck no!Well, surely you can at least clean up the County Board! That will be one way to sort out this mess. When you look up the "non-partisan" candidates, though, almost all of them are tied to the party in some manner.Still, there are some who have no apparent affiliation with the party – even if that means they’re affiliated with the other party. You don’t care. Anybody else is good. You even recognize the old lady from your polling station among the candidates. Surely she’ll get your vote!On Election Day, you hurry past the large group of partymen – to your relief, you don’t see that “officer” around – ignoring the sample ballots they thrust at you on the way and get feel relieved once you get into the booth. Once you’ve voted for the local candidates, or at least the ones you can stomach, you flip over to some of the state-wide ballot propositions.One of them is to amend the state’s constitution to define a “hate crime” to include crimes based on political affiliation.You vote in favour of that one without hesitation.When the results come in that night, your heart sinks. There’s a new sheriff in town, and you’re pretty sure he hates you. The new County Board doesn’t look much better. The lady from across the aisle seems to be the only person affiliated with the established parties to make it in. The security party expanded its hold in the state legislature.The party is running a candidate for President, and your stomach churns in thinking what his victory might mean for the country. You decide that you can’t keep your politics to yourself anymore, and so for the first time in your life you volunteer for a political campaign.They’re elated to have you on the team! Finding volunteers this year has been difficult to say the least. They recommend you also become a precinct captain for the party to help corral other volunteers. You try, but you find out for yourself just how hard it is to get people to sign up to help with the campaign – even using the party’s list of stalwart supporters.As you’re out canvassing one day, you notice a car has been following you from block to block. You immediately recall the incident from two years ago, and start on your way home. The car follows you. Even though your house is just two miles away, you take an hour to get there as you take the most convoluted route you can imagine to get there – the car following you the whole way.You want to call the police, but you know how useless that will be.You finally get home. The tailing car parks in front of your house. You run inside and grab your gun, and emerge with it in hand just as three people step out of the car. You raise the pistol as you warn them off, peppering your threat with all manner of slurs. It works – the men back down, get back in their car, and drive off.An hour later, there’s a knock on your door. The sheriff is here to arrest you personally.It’s an open carry state!That doesn’t give you the right to wave your gun around like a lunatic. They were following me! That’s not what they say – and in any case, you didn’t call us. I want a lawyer! You have your rights.Your lawyer does the best job he can, really, but your documented history of hostility towards party volunteers makes it seem pretty obvious that you have a bias against them. The three of them testify that they were doing nothing more than what you allege to have been doing – supporting your candidate for office, as the Constitution allows you to do freely and without harassment.Thanks to the Constitutional amendment that you supported last election, you are convicted of a politically motivated hate crime, which has been aggravated by your use of a firearm. Neither you nor your lawyer are aware that the judge presiding over your case is receiving kickbacks from both the party and the state to ensure that the newly opened private prison meets the occupancy quota guaranteed by its contract, and that contributed more to your harsh sentencing than anything else.You watch from your prison cell, guarded by men with gold eagle lapel pins, as the party locks up majorities Congress, and its presidential candidate achieves one of the greatest electoral landslides in modern US history.And you were once such a good citizen.Thanks to Jon for the A2A (and my apologies for spending too much time on this and let the request expire).

According to eBay you cannot transfer them after first use. According to the gift card terms and conditions listed on their site, you cannot resell partially used gift cards bc they are attached to the specific eBay account that redeemed the card on it’s first usage. The card then becomes permanently attached and only redeemable by that specific eBay account.I personally have over 30k usd in stored value on eBay gift cards that they refuse to let me redeem. I have spent weeks and weeks researching the federal and state gift card regulations and guidelines and despite me having no professional legal backround; My interpretation of the federal guidelines (outlined in the 2009 Card ACT) are that this policy is in violation of federal law.The Credit Card Accountability and Responsible Disclosure Act of 2009, otherwise known as the 2009 CARD Act, very clearly defines what a gift card is; In addition to outlining several basic characteristics that must be met to meet the legal classification of a “"gift certificate” and otherwise they cannot legally be sold. According to the card act these basic functions MUST be met prior to issuance and sale of Retail Store Gift Cards:Credit Card Accountability Responsibility and Disclosure Act of 2009‘(C) STORE GIFT CARD.—The term ‘store gift card’means an electronic promise, plastic card, or other payment code or device that is—‘‘(i) redeemable at a single merchant or an affili- ated group of merchants that share the same name, mark, or logo;‘‘(ii) issued in a specified amount, whether or not that amount may be increased in value or reloaded at the request of the holder;‘‘(iii) purchased on a prepaid basis in exchange for payment; and‘‘(iv) honored upon presentation by such single merchant or affiliated group of merchants for goods or services.In article (IV) the law is very straight forward in it’s requirements. "honored upon presentation… for goods or services”. Regardless of whether they are attached to another account or not, when an individual that holds a stored value eBay gift card - presents that information during their eBay checkout - they must honor that form of payment - as defined and regulated by section (IV) of the 2009 Card Act.View the entire Card Act of 2009 posted here on the FTC’s dot gov website. https://www.ftc.gov/sites/default/files/documents/statutes/credit-card-accountability-responsibility-and-disclosure-act-2009-credit-card-act/credit-card-pub-l-111-24_0.pdfeBay’s refusal to redeem these partially used Gift Cards upon presentation by a card holder/Consumer, is an egregious violation of the 2009 Card Act. Furthermore, Gift Cards have been deemed by the IRS to be Financial Instruments in terms of tax reporting. Financial instruments are legally enforceable financial obligations of one party to another. By refusing to redeem these partially used gift cards they are disregarding their legally enforceable outstanding financial obligations.Another issue I have is that eBay is in totalControl of who’s account they can close, this authority essentially incentivizes them to close accounts when the eBay account has a substantial amount of stored value via eBay gift cards. If someone like myself has 30k in eBay gift cards attached to their account, eBay can come in and claim that the account holder violated some little known T&C stipulation and therefore their account would be closed and eBay just washed their hands of the entire balances of those cards which eBay received full purchase price when they were initially purchased. They are subsequently taking consumers’ money and issuing gift cards which they then maximize the profits on these by imposing the most strict and totalitarian Gift Card Redemption Policies in the entire industry. They stonewall your redemption attempts at every possible step of the process. They make you sign up for PayPal account prior to redemption as well.During my weeks of investigation into ebay’s gift card tactics, it is my unequivocal belief that eBay is operating an illegal gift card racket that pumps out 10’s of millions of dollars of lost value by banning consumers and refusing to allow redemption, under the guise of “security” by consumers of the partial balances on their ebay cards.I hope this thread will maybe catch the eye of someone who will have the connections and/or expertise to change this policy or possibly take legal action to force their hand. i have over $30,000 in partial balance GC’s that i would love to be able to resell, redeem, or have them fully refunded.Great question and thanks for shining some much needed attention to this often shadowy topic. Regards.If this answer has been helpful or if you would just like to show your appreciation for my response; Consider sending a tip via bitcoin to my bitcoin wallet.Thanks for your question and feel free to email me at Blockchayne at Outlook dot Com. Regards.Bitcoin address for tips:1NT98myxXosppfF7w3jKT1V9hRWQrfABxC