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

Don't Be a Rate Tart: Be a Savvy Switcher!

Don't Be a Rate Tart: Be a Savvy Switcher! Demystifying Mortgage Jargon and Saving You Money

The world of mortgages can be an alphabet soup of technical terms, leaving you feeling like a financial newbie. Fear not, savvy borrower! Today, we're decoding the mysteries of APR, AER, and EAR, equipping you with the knowledge to make informed decisions and potentially save thousands on your mortgage.

But first, let's address the "Rate Tart" label. Switching lenders for a better deal might get you called names by some, but here's the truth: you wouldn't pay more for groceries at one store when another offers them cheaper, would you? The same logic applies to mortgages. Being a "Rate Tart" simply means being a smart shopper, maximizing your financial advantage.

Now, onto the jargon:

APR (Annual Percentage Rate): This includes the interest rate you pay on your loan plus any fees rolled into the loan amount. It's a good starting point for comparison, but remember, it's not the whole picture.
AER (Annual Equivalent Rate): This reflects the true yearly cost of your loan, taking into account compound interest. It's a more accurate representation of what you'll actually pay over the year.
EAR (Effective Annual Rate): Similar to AER, but also factors in fees and charges associated with the loan. It's the closest you'll get to the total annual cost of your mortgage.

Remember: When comparing rates, always ask for both APR and AER/EAR to get a comprehensive picture.

Now, let's empower you to become a "Rate Master":

Gather your costs: Add up all the fees associated with switching lenders, including valuation, arrangement, legal fees, and any exit penalties from your current mortgage.
Negotiate with your current lender: Tell them you're considering a better offer. Often, they'll offer a competitive deal to keep your business. Don't settle for their standard variable rate – aim for a better fixed rate!
Compare apples to apples: Use APR, AER, and EAR to ensure you're comparing offers accurately. Factor in all costs, not just the headline rate.
Seek expert guidance: A mortgage broker can help you navigate the options and find the best deal for your situation.

By understanding these terms and following these steps, you can confidently navigate the mortgage market and secure the best rate, becoming a savvy switcher, not a "Rate Tart". Remember, informed decisions lead to financial victories!

Mortgage