One of the great things about America is great return policies. This is always something that I have to keep in mind the moment you step off American soil. In most places around the globe, citizens are not privileged to have the liberty to change their minds or return faulty products. Once you buy it, it’s yours.

However, those within the states would be prudent to keep in mind return policies when making purchases. Sometimes it really pays to shop at places that will honor a comprehensive return policy.
For instance, before my trip to Ukraine, just after I got the job going to Afghanistan, I broke down and bought two pieces of new luggage before my travels. I had used and abused my trusty eagle creek luggage and was finally needing a new set. I ended up downtown at Macy’s, checked out all of the luggage, and then walked away with a Samsonite set.
During the course of the next month of travel, the zipper on both bags got stuck on numerous occasions. My past luggage had taken seven years to do so, and even then it recovered better than they zippers.
While Samsonite themselves has a ten year warranty, pay attention as this means they will repair or replace. This doesn’t help if you hate their luggage. However, Macy’s website said that if what you bought wasn’t up to your expectations, then return it. I did so with no hassles and it saved me a lot of money and even more hassle.
My next lesson is to save your receipt for those places with good return policies. Nordstrom’s is the best at returning stuff, but you have to have the receipt so they know what you paid. I’ll be return a pair of shoes there that gives me killer blisters (these aren’t four inch heels but flat casual shoes for walking). Other places like REI are terrific at returns as well, and they even keep all of your past purchases on your account.
Lastly, don’t be shy. If you aren’t satisfied, then return whatever it is. This includes a rotten orange from Whole Foods or past date licorice from Rite-Aid. Whatever the item, it is probably worth your while to make the return. You might think it is small, but it adds up.
Many happy returns!
Miel

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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