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

Sanctuary: Demystifying Homestead Protection

Shield Your Sanctuary: Demystifying Homestead Protection

Imagine facing a lawsuit and the potential loss of your home. Homestead protection acts as a powerful shield, safeguarding your most cherished asset: your haven. So, how does it work, and can it be your knight in shining armor?

Understanding the Basics:

A homestead exemption shields a portion of your home's equity from creditors in case of a judgment against you. Think of it as a safety net, protecting your investment, especially if:

You lose a lawsuit and owe a significant sum.
You accumulate debt beyond your ability to repay.

However, it's crucial to remember that homestead protection doesn't cover everything:

Mortgage defaults: If you miss mortgage payments, your lender can still foreclose on your home.
Specific debts: Child support, spousal support, and mechanic's liens remain enforceable regardless of homestead protection.

Types of Homestead Exemptions:

There are two main flavors of homestead protection:

Automatic Homestead: This protection kicks in automatically if you live in the home you own. No paperwork is required, but the protected amount varies depending on your state and personal circumstances.
Declared Homestead: This option provides additional protection and requires filing a form with your local authorities. While offering a higher shield, it comes with specific conditions, often related to selling your home and reinvesting the proceeds within a given timeframe.

Key Considerations:

Eligibility: Each state has specific eligibility criteria for both automatic and declared homesteads. Research your state's regulations to understand the details.
Protected Amount: The amount shielded from creditors varies significantly across states, ranging from $50,000 to $150,000 or more. Check your state's specific limits.
Filing Procedures: Declared homesteads typically require filing formal documents with your local recorder's office. Fees and procedures may vary, so check with your local authorities.

Remember:

Seek professional advice: Consulting a lawyer specializing in homestead protection can clarify the intricacies and ensure you maximize its benefits.
Plan ahead: If you anticipate potential legal or financial troubles, consider filing a declared homestead to create a stronger safety net.
Explore alternatives: Homestead protection is just one tool in your financial toolbox. Explore other debt management strategies and legal options for a comprehensive approach to safeguarding your assets.

Homestead protection can be a valuable shield, but it's not an impenetrable fortress. Carefully understand its limitations, consult professionals, and use it strategically to keep your home safe and secure.

Mortgage