With Halloween over, can we now start talking about Christmas? For the record, neither Lance nor I have any problem at all with receiving gift cards. (hint, hint)

In fact, we are in good company as a United Online survey finds gift cards remain a popular gift, with more than 75 percent of people preferring physical cards to digital cards.

That is unless you’re a “whippersnapper” and you age falls between 18 and 34. In that case, you and your fellow millennials favor digital gift cards by a 33 percent margin.

Convenience is the key with "ease of overall use" and "ease of redeeming" as the top reasons when receiving, and "ease of purchase" (94 percent) and ease of delivery being able to send the card to a recipient's phone or email as the top reasons for giving.

Also, millennials find being able to include a personalized video or photo greeting with digital cards an "appealing" or "very appealing" factor.

According to Giftcard.com, more than $100 billion is spent on gift cards annually in the U.S. with 93 percent of people in the country receiving or purchasing one.

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