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 the Mortgage Maze

Demystifying the Mortgage Maze: Your Guide to Mortgage Calculators

Buying a home? Congratulations! It's an exciting journey, but also one loaded with financial considerations. Enter the mortgage calculator: your trusty companion in navigating the often-complex world of home loans. Let's dive into what it is, how it works, and how it can empower you to make informed decisions.

What is a Mortgage Calculator?

Imagine a financial crystal ball. That's essentially what a mortgage calculator is. It's an online tool that crunches the numbers based on your loan details and spits out valuable insights about your potential mortgage. No need for financial wizardry; simply input the loan amount, interest rate, loan term, and any additional fees.

But Is It Safe?

Relax, privacy is paramount. These calculators don't collect your personal information. You won't be bombarded with unwanted calls or locked into a specific loan. Think of it as a neutral financial advisor, offering unbiased guidance.

What Does It Tell Me?

The calculator unveils a treasure trove of information:

Total Loan Cost: See the grand total, including principal and interest, to understand the true financial commitment.
Monthly Payment: Get a realistic picture of your monthly obligation, helping you assess affordability.
Amortization Schedule: This detailed breakdown reveals how your payment is allocated towards principal and interest over time. Fascinating, right?

Benefits Galore:

Affordability Check: Gauge if a particular loan comfortably fits your budget.
Interest Comparison: See how different interest rates impact your total cost.
Loan Comparison: Easily compare diverse loan options from various lenders.
Informed Decisions: Armed with knowledge, you'll negotiate with confidence.

Remember:

Multiple Resources: Utilize calculators from different lenders for wider perspectives.
No Obligation: Using the calculator doesn't bind you to any specific lender.
Free to Use: Most calculators are completely free, so take advantage!

The Takeaway:

Don't embark on your homeownership journey blindly. A mortgage calculator is your free, reliable tool to empower informed decisions. So, use it, explore, and demystify the mortgage maze with confidence!

Mortgage