I enjoyed an article about a company thing in New Jersey in America that they made $56 million last year by buying and selling gift cards that people don’t want.  I think everybody has a few gift cards on the shelf that they have not used as yet and what this company does is if for example you have a $100 gift card for a company they might buy it from you for $89 in cash and then they will sell it to somebody else later for let’s say $95.  The person who has a gift card that they don’t think they are going to use can get the benefit of almost all of that money in cash straightaway, and the person who would like to use a gift card can buy it for slightly less than it costs by buying it on the exchange.  It was quite interesting to read what a big business this is, but of course it again has the benefit of the size of the American market and it took a considerable amount of money to set it up because they had to buy lots of people’s cards at the beginning and also suffered from scammers, who bought the cards using credit cards and then later claimed that they were never delivered to them.  The company is now worth more than $40 million, and while I don’t think it would make a big business in South Africa, I am surprised that there is not at least a small business doing that here.