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

Demystifying Mortgage Points and Saving You Money

Points: Friend or Foe? Demystifying Mortgage Points and Saving You Money

In the world of mortgages, "points" often get a bad rap. But are they truly the enemy of savvy homebuyers? Let's bust some myths and explore the strategic use of points to slash your interest rate and save thousands over the life of your loan.

What are Points?

Think of points as a prepaid discount on your mortgage interest rate. Each point typically equals 1% of your loan amount. So, for a $200,000 loan, one point would cost $2,000. By paying upfront, you secure a lower interest rate for the entire loan term.

The Power of Points:

While points require an upfront investment, they can be a smart financial move in the long run, especially if:

You plan to stay in your home for a long time: The longer you hold the loan, the more interest you pay, and the greater the impact of a lower rate.
You have a strong financial profile: Points are often more beneficial for borrowers with good credit scores and stable income, as they qualify for lower base rates and potentially better point discounts.
Interest rates are high: When rates are already high, even a small reduction through points can translate to significant savings.

Crunch the Numbers:

Don't blindly accept the lender's offer. Do the math:

Ask the lender how much each point reduces the interest rate.
Use a mortgage calculator to compare the total interest paid over the loan term with and without points.
Factor in the cost of points and compare it to the projected interest savings.

Points vs. Down Payment:

While both points and a larger down payment can reduce your interest rate, they have different implications:

Feature	Points	Larger Down Payment
Upfront Cost	Lower	Higher
Impact on Interest Rate	Significant reduction	Smaller reduction
Impact on Monthly Payment	Smaller reduction	Larger reduction

Remember:

Consult a financial advisor: They can help you assess your situation and determine if points are right for you.
Shop around: Compare rates and point offers from different lenders.
Don't be afraid to negotiate: You may be able to get a better deal on points.

Points aren't a magic bullet, but when used strategically, they can be a powerful tool to save money on your mortgage and achieve your dream of homeownership.

Mortgage