What is the return policy?

Most unopened items in new condition and returned within 90 days will receive a refund or exchange. Some items have a modified return policy noted on the receipt or packing slip. Items that are opened or damaged or do not have a receipt may be denied a refund or exchange. Items purchased online or in-store may be returned to any store. Online purchases may be returned via a major parcel carrier. Click here to initiate a return.

How long does it take to process a refund?

We will reimburse you for returned items in the same way you paid for them. For example, any amounts deducted from a gift card will be credited back to a gift card. For returns by mail, once we receive your return, we will process it within 4–5 business days. It may take up to 7 days after we process the return to reflect in your account, depending on your financial institution's processing time.

What is the policy for late/non-delivery of items ordered online?

Our local teams work diligently to make sure that your order arrives on time, within our normaldelivery hours of 9AM to 8PM in the recipient's time zone. During busy holiday periods like Christmas, Valentine's and Mother's Day, we may extend our delivery hours before 9AM and after 8PM to ensure that all gifts are delivered on time. If for any reason your gift does not arrive on time, our dedicated Customer Service agents will do everything they can to help successfully resolve your issue. Click here to complete the form with your order-related question(s).

When will my credit card be charged?

We'll attempt to securely charge your credit card at the point of purchase online. If there's a problem, you'll be notified on the spot and prompted to use another card. Once we receive verification of sufficient funds, your payment will be completed and transferred securely to us. Your account will be charged in 24 to 48 hours.

Will I be charged sales tax for online orders?

Local and State sales tax will be collected if your recipient's mailing address is in: Arizona California Colorado

Mortgage

February 07, 2024

the Power of Commercial Mortgages for Your Business

Own, Don't Rent: Unleashing the Power of Commercial Mortgages for Your Business

Renting a space for your business might seem cheaper initially, but have you considered the long-term benefits of owning your property? Enter the commercial mortgage, a powerful tool that can transform your business and unlock a world of possibilities. Let's delve into the pros, cons, and key considerations to help you decide if this financial powerhouse is right for you.

Why Buy with a Commercial Mortgage?

Lock in Your Costs: Ditch unpredictable rent hikes and secure stable monthly payments over a fixed term. This stability fosters better financial planning and budgeting.
Equity Matters: Build equity with every payment, creating a valuable asset that appreciates over time. Imagine the future financial security and potential exit strategy this provides!
Tax Advantages: Enjoy the perk of deducting mortgage interest payments from your business taxes, lowering your overall tax burden.
Subletting Potential: Have extra space? Rent it out to other businesses with your lender's permission, generating additional income for your company.

Weighing the Downsides:

Upfront Investment: Be prepared for a larger down payment compared to residential mortgages. Consider if this aligns with your current financial position and priorities.
Limited Flexibility: Moving might be necessary as your business evolves. Selling a property can be time-consuming and complex, unlike simply terminating a lease.
Maintenance Responsibility: Unlike renting, you become responsible for repairs, upkeep, and potential unexpected costs associated with owning the building.

Understanding the Costs:

Higher Interest Rates: Expect steeper rates compared to residential mortgages due to the inherently higher value and risk associated with commercial properties.
Standard Repayment: Repayment terms and methods are similar to residential mortgages, so you'll be familiar with the structure.
Shop Around: Compare rates and terms offered by different lenders to secure the best deal for your business.

Who Should Consider It?

Owning through a commercial mortgage might be ideal for:

Established Businesses: If you envision staying in your current location for the long haul, the benefits of ownership outweigh the initial investment.
Location-Dependent Businesses: Restaurants, pubs, or businesses reliant on foot traffic benefit greatly from owning their premises, as expansion often requires additional units in the same area.
Value Seekers: If you anticipate property price appreciation in your chosen location, owning offers the potential for future financial gain.

Remember:

Seek Professional Advice: Consult a financial advisor and commercial real estate agent to assess your specific situation and make informed decisions.
Consider Long-Term Goals: Align your decision with your business's growth plans and risk tolerance.
Don't Rush: Thoroughly research, compare options, and weigh the pros and cons before taking the plunge.

Owning your business premises with a commercial mortgage can be a strategic move, paving the way for stability, future financial security, and even additional income streams. By carefully considering your needs and circumstances, you can unlock the power of this financial tool and propel your business towards sustainable growth and success.

Mortgage