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

Debt Consolidation Through Home Refinancing

Debt Consolidation Through Home Refinancing: Weighing the Options with a Calculator (and Caution!)

Feeling buried under a mountain of debt? Debt consolidation, merging multiple debts into one manageable payment, can offer relief. But when considering using your home as collateral through refinancing, proceed with meticulous planning and informed awareness. This blog post equips you with the knowledge to navigate this financial decision responsibly.

Mortgage Calculators: Tools, Not Oracles

Mortgage calculators are valuable tools for estimating feasibility, but remember, they offer a simplified snapshot, not a guaranteed answer. Be transparent when inputting data:

Accurate Numbers: Use current balances, interest rates, and realistic repayment terms.
Beyond One Scenario: Experiment with different mortgage rates and loan lengths to understand how they impact monthly payments and total costs.

Refinancing: Benefits and Caveats

Consolidating with a home loan can offer:

Lower Interest Rates: Potentially secure a lower rate than your existing debts, reducing monthly payments.
Simplified Management: Streamline your finances with one payment instead of juggling multiple ones.

However, proceed with caution:

Equity Drain: Refinancing for the full amount might deplete your equity, hindering future borrowing power and leaving you vulnerable financially.
Foreclosure Risk: Missing payments on your newly consolidated loan puts your home at risk.

The Power of Combined Calculations:

Utilize both mortgage calculators and home budget calculators in tandem:

Mortgage Calculator: Explore refinancing options, understanding how different scenarios impact your budget.
Home Budget Calculator: Analyze your overall financial picture, factoring in essential and discretionary expenses to ensure affordability.

Remember:

Seek Expertise: Consult a financial advisor for personalized guidance, especially if considering complex scenarios.
State Regulations: Be aware of your state's refinancing limitations, like maximum loan-to-value ratios.
Research Rates: Shop around for competitive mortgage rates to secure the best possible deal.

Empowered Choice, Not Blind Leap:

Debt consolidation through refinancing can be a viable solution, but knowledge is power. Use mortgage and budget calculators as decision-making tools, not replacements for careful research and professional guidance. Approach this process with informed caution and you'll be well-equipped to navigate the path towards financial well-being.

Mortgage