Apple Return Policy: 7 Reasons Why It’s Great & 5 Reasons Why It Kinda Sucks

October 18, 2019 by Kyle
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Apple products have connected the world in a very profound way. From the smartphone revolution to the way we take in media, Apple has their hands in a lot of stuff and sells many different products. But what happens when we aren’t happy with an Apple product and need to return it? That’s when things can get a bit murky and it becomes important that we fully understand the Apple return policy. Here’s a full breakdown of the good things about their return policy and the things that aren’t so great.

Apple Return Policy: 7 Reasons Why It's Great & 4 Reasons Why It Sucks

First, 7 Reasons Why the Apple Return Policy is Great

1. You Can Return Opened Stuff

Get your new Apple products out of the box and give them a trial run to make sure you’re satisfied.

Just be gentle and keep that iPad, iPhone, or MacBook in “like new” condition in case you do need to return it.

This is especially important as Apple only gives you 14 days to return products.

See Also: 17 Stores That Let You Return Used Items for a Full Refund

2. Stuff Bought Online Can Be Returned for FREE

Apple picks up the cost of returned shipping which is REALLY nice.

Most retailers these days stick you with the return shipping charges which is a real fun suck. But not Apple.

You can also return stuff bought online to your nearest Apple Store.

3. You Can Return a Gift Online or In-Store

To do it online, simply go into your Apple Account Page and select Return a Gift.

All you need to provide is the product serial number or order number to initiate the return which is AWESOME as you often won’t have a gift receipt.

The best part is that return shipping is completely FREE.

Also, it’s important to note that Apple will almost always be able to help you out if it’s been over 14 days since you were given the gift.

Just call Apple at (800) MY–APPLE and they can help you out.

You can either get an Apple gift card for the amount of the returned gift or you can do a product exchange for equal value.

4. You Can Exchange Items at ANY Apple Store

All Apple Stores in the U.S. can process your exchange, doesn’t matter where you originally bought it.

If you do an exchange for an item of lesser value, the difference will be added to an Apple Gift Card OR refunded to the original form of payment…your choice.

5. Extended Holiday Return Policy

Last year, Apple had a cool extended holiday return policy and I fully expect them to do the same in 2019.

It worked like this…

Any item purchased between November 14 and December 25th can be returned all the way up until January 8th.

See Also: All 32 Popular Stores That Offer Extended Holiday Returns

6. Apple Bends Over Backwards for Damaged Items

If for some reason you get a damaged Apple product delivered to you, Apple has your back in a BIG way.

You can either take the damaged item to any Apple Store for a replacement or mail it back (at no cost to you) for a replacement.

Pretty standard stuff, right? But where Apple takes the prize is they’ll actually overnight ship the replacement product for FREE.

7. Download a Crappy App? Not a Problem

Have you ever paid $0.99 (or more) for an app only to have it be a total piece of crap?

Glitches on top of glitches. Or maybe it crashes more than your 81-year old Grandma in her Buick sedan.

Many folks don’t know that Apple will actually give you your money back within 14 days of purchase.

Just visit the App Store support page and tell them you want your money back.

And…5 Reasons Why It Kinda Sucks

1. You Only Have 14 Days to Return Stuff

Yep, Apple only gives you 14 days to test out a product.

So make it quick and don’t let the item sit around gathering dust or you just might find yourself stuck with something that doesn’t do what you thought it would do.

2. Gotta Have Your Receipt

Apple claims that you MUST have your receipt to make a return.

But if you find yourself needing to make a return sans receipt, you stand a fighting chance of taking it back to the Apple location where you purchased it and asking for help.

In many cases, the Apple Store will have evidence of your purchase in their system and can bring up your order history and make your return happen.

You can also call them at (800) MY–APPLE and they can pull up the purchase by gathering some information from you.

3. Some Stuff Can’t Be Return

While the majority of Apple products are eligible for a return, these things aren’t…

  • Opened software
  • Electronic Software Downloads
  • Software Upgrades
  • Apple Store Gift Cards
  • Apple Developer Products
  • Apple Print Products

Not a huge deal, but worth knowing.

4. Returning an iPhone or iPad Doesn’t Cancel Your Wireless Account

Just because you return your iPhone or iPad, it doesn’t automatically mean your wireless service provider will cancel or update your account.

So make sure you call Verizon or AT&T (or whoever you use) and let them know so you don’t get charged incorrectly.

5. Apple Limits the Dollar Amount of a Cash Return

Apple has a limit on cash returns of $750.

Let’s say you pay cash for a $950 MacBook Air and decide a week later you don’t like it.

When you bring it back, Apple will only refund you $750 in cash and will mail you a check for the other $200.

Ask the Reader: What’s been your experience with the Apple return policy? Do you like it or has the 14 day return window been an issue?

By Kyle James

Walmart In-Home Delivery: The Pros and Cons So You Can Decide If It’s For You

October 16, 2019 by Kyle
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Can you imagine a world where you shop for your groceries online and the store actually brings them to your home and puts them in your refrigerator…even when you’re not home? Crazy, right? Well, thanks to Walmart’s InHome Delivery Service, which they rolled out this week in select cities, it’s definitely the future. Here’s exactly how it works so you can decide if it’s something you might like to try.

The Pros and Cons of Walmart InHome Delivery

What Exactly is Walmart’s InHome Delivery?

Forget about doorstep delivery, how about refrigerator delivery?

That’s exactly what Walmart InHome Delivery does.

 You shop via the Walmart website, select InHome Delivery at checkout, as well as your delivery date/time, and Walmart takes care of the rest.

By “takes care of the rest” I mean that an employee will hand pick your grocery list, bag it up, and have it delivered to your home and have the items needing refrigeration put away in your fridge for you.

In Home Delivery

What Does It Cost?

You will pay $19.95/month for InHome Delivery. But…the first month comes free so you can test it out.

As long as your order totals at least $30 you can order as many times as you want each month.

Also, you’ll need to pay a 1-time cost of $49.95 for the “Smart Lock” which you’ll put on your front door to allow access.

The Smart Lock come with free installation as well.

See Also: 4 Ways to Score Walmart Free Samples

Where Is InHome Delivery Currently Available?

As of this writing, the delivery service is only available in these 3 cities:

  • Kansas City
  • Pittsburgh
  • Vero Beach, FL

More cities will be added soon and I’ll keep this page updated when they go live.

Full Refrigerator

Pros of Walmart InHome Delivery?

1 – Vetted Employee – Walmart doesn’t send just any employee inside your home, they only send a trusted employee who has worked for Walmart for at least 1-year.  They claim to run 4 different background checks on InHome Delivery employees.

2 – Convenience – If you’re elderly, handicapped, or recovering from an illness, it doesn’t get more convenient than this service.

3 – Reasonable Cost – Depending on how far you live from a Walmart location, the $19.95/month could easily make up for the cost of gas driving to and from.

4 – Easy on the Environment – InHome Delivery doesn’t leave you with any boxes or plastic bags that you have to deal with.

5 – Peace of Mind – The Walmart employee who enters your home actually has a camera on them allowing you to view the entire process from your smartphone.

6 – Insured Transaction – Walmart covers your home for up to $1 million against any damages that may occur.

7 – Flexibility – Not only do you pick the day that works best for you, but you can also opt for garage refrigerator delivery if you don’t want people going in your home.

Cons of Walmart InHome Delivery?

1 – Loss of Privacy – Any time a stranger comes into your home, no matter how vetted they may be, it will give some folks the hebbie-jeebies.

2 – Pets – If you have pets loose in the house this service probably won’t work for you. 

3 – Can’t Squeeze the Melons –  You’re at the mercy of Walmart “pickers” when it comes to picking the ripest fruits and veggies.

4 – Can’t See Expiration Dates – Hard to grab the gallon of milk with the “furthest out” expiration date when someone else is picking out your groceries.

5 – Hard to Price Compare – How often have you been shopping in-store and opted for the generic because it was going to save you a $1.50? It’s difficult to quickly do a price comparison when shopping the Walmart website, thus you may end up spending more in the long-run if you use this service regularly.

6. Takes Planning – You have to be fairly organized to make home delivery work for you since you can’t add items to your order (unless they total $30+) once it’s placed and in the Walmart system.

Ask the Reader: What say you? Would you be comfortable using Walmart InHome Delivery?

By Kyle James

Photo credits to Walmart.

How to Score a Free $50 from Your Bank of America Credit Card

October 7, 2019 by Kyle
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Over the weekend I called Bank of America to cancel a Cash Rewards credit card that I didn’t need and was taking up space in my wallet. I was happily surprised to discover that Bank of America is tossing out a nice $50 incentive to keep loyal customers from closing credit card accounts. Whether you want to actually close your card or not, you’ll want to see how easy it is to score a free $50 from BofA. Literally takes less than 10 minutes in most cases. Here are all the details…

How to Score an Easy $50 from Your Bank of America Credit Card

How Do I Get my Free $50 from Bank of America?

If you have a Bank of America Cash Rewards or Power or Premium Rewards credit card you can easily get a free $50.

Just call the number on the back of your card and tell the first person you talk to that you want to cancel your card.

They’ll act very disappointed and ask you why.

They’ll then read you a disclosure about what it means to cancel your card.

Then the magic will happen.

The customer service rep will say “we have a special offer for you” if you keep your credit card open.

They’ll explain that you’re eligible for a $50 bonus if you spend at least $1,500 on your card over the next 3 months.

If you typically spend about $500 per month on your credit card, this will be the EASIEST $50 you’ve ever made.

Just say “Sure, I’ll do it” and you’re on your way to a free $50.

See Also: How I Earned $1,985 Churning Credit Cards

Some Important Things to Consider…

Before you make the “cancel call” in an attempt to get your $50 bonus, consider these things…

Have No Balance on the Card – Before you call to claim your $50, be sure you pay off your balance in full.

Be Patient – Bank of America is going to pass you off at least once before they get you to the “cancel/retention” department.

I don’t remember what the specific department is called that actually offers you the free $50, but you’ll eventually get there.

Be patient and you’ll find success. I think it took me about 8 minutes to get this credit card hack done.

What If I Don’t Actually Want to Cancel My Card?

If for some reason they don’t offer you the free $50 to stay on as a customer, then simply tell them, “Wait, before you cancel, I think I want to think about this a little more”.

I don’t think this will happen, but it’s important to have a back-up plan in case they don’t offer you this incentive.

Ask the Reader: Is 8-10 minutes of your time worth a free $50? I say yes, what about you?

By Kyle James

Guess Who Makes Costco Batteries? (Answer Might Shock You)

October 3, 2019 by Kyle
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If you’ve ever been tempted to “cheap-out” and buy the “generic” Kirkland Costco batteries…I got BIG news for you. DO IT! Like every time you shop if you can. It turns out Costco actually contracts with a VERY popular name-brand battery manufacturer to produce their batteries for them. Same goes for their hearing aid batteries. Here’s everything you need to know about buying batteries from your local Costco.

Guess Who Makes Costco Batteries? (Answer Might Shock You)

What Batteries Does Costco Sell?

Costco currently sells the following batteries:

1. Alkaline Batteries

Costco Alkaline Battery

Not only do they sell the Kirkland brand but they also sell Duracell. They sell AA, AAA, C, D, and 9V sizes.

Much to my surprise, the Costco CEO recently divulged that Kirkland batteries are actually made by Duracell.

So why pay up to 35 cents more per battery with Duracell when you can opt for the Kirkland brand knowing that the quality is probably identical.

Is their a chance Duracell is producing a sub-par battery and putting the Kirkland label on it? Yes, of course.

But from personal experience, and from talking to others, I have found very little difference in quality and life expectancy.

Look at it this way, even if the Kirkland brand was only 80% as good as Duracell, you would still be ahead in terms of price.

See Also: All the Kirkland Items That Are Produced by Popular Name-Brands

2. Hearing Aid Batteries

Costco Hearing Aid Battery

Costco only sells their own Kirkland brand hearing aid battery. But they get rave reviews both in terms of price and how long they last.

Many reviewers actually said the Kirkland brand lasts 2-3 times longer than major brands like Rayovac and Power One.

Kirkland hearing aid batteries will cost you $0.23/each on average, while you’ll pay close to $0.50/each with the leading name brands.

I’ve also read that the Kirkland brand hearing aid batteries are made by Ray-O-Vac as of 2016.

Trying to track down if this is still accurate, let me know in the comments if you have any insider information on this.

See Also: Costco Hearing Aids: Who Makes Them and Are They a Good Deal?

3. Auto, Marine, RV, and Tractor Batteries

Costco no longer sells a Kirkland branded car battery as it’s been replaced in recent years by the Interstate brand.

Some people believe that the Kirkland car battery was such a good battery that Costco wasn’t making any money on them as they were lasting for 7+ years.

So, in comes the Interstate brand with a 3.5 year replacement warranty and according to Consumer Pete, an “optimized warranty period so that people’s car batteries will die outside the warranty period with no recourse.”

Buyer be warned.

I really wish Costco would bring back the Kirkland car battery as it was a GREAT thing for consumers.

Conclusion: Always Shop Smart

When buying batteries, there’s little evidence to suggest that buying the Costco store-brand is not the smart way to go.

But be warned that quality and life expectancy can quickly change.

This is especially true if Costco tries to lower their costs by skimping on the quality of their Kirkland batteries.

Ask the Reader: What has been your experience buying Costco batteries? Let me know in the comments section below, thanks.

By Kyle James

Photos courtesy of Costco.

All 35 Places That Hand Out Free Stickers (Many Will Mail Them To You!)

September 30, 2019 by Kyle
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I can’t think of a better way for a company to advertise than to hand out free stickers. Teens and millennials seem to put stickers on everything these days and have no problem essentially advertising the company for free. I’ve seen them on laptops, water bottles, backpacks, car bumpers, bike racks, and even smartphones. Which is why I was surprised to discover that the list of places that gives them away is kinda small. If you’re a HUGE sticker fan (like my 3 kids) than you’re gonna love my list of places that give them away for free.

All the Places That Give Out Free Stickers

American Fishing Tackle Co. (FTCO)

American Fishing Tackle Company is a popular brand that specializes in clothing for the fishing and outdoor lifestyle.

And their “fish” logo is pretty darn cool too.

Just fill out this form HERE to get your free fish logo sticker.

Annie’s Homegrown

Annie’s makes some VERY yummy organic treats and now they mail out free stickers to those who ask.

Just click HERE to snag yours along with other “bunny” swag.


BackCountry is kinda like REI and specializes in outdoor clothing and gear.

They also have the iconic “goat” sticker which they hand out for free, get yours HERE.


We all know the surf brand Billabong and their WAY cool logo that would look great on a laptop, notebook, or car window.

Grab your free logo sticker HERE.

You can also send a self-addressed stamped envelope (SASE) to this address:

Billabong – Corporate Office & Wholesale
Attention: Sticker Request
117 Waterworks Way
Irvine, California 92618


Burton Snowboards loves to hand out free stickers but they ask a little more from you in order to score one.

They want you to mail them pictures/art/stories that are Burton related and they’ll happily reward you.

Just mail a self-addressed stamped envelope (with your artwork or story) to the following address:

180 Queen City Park Road
Burlington VT, 05401

Collared Greens

Cool name for a cool company.

Collared Greens sells American-made clothing for men with a strong emphasis on the eco-conscious lifestyle.

To get a free sticker from them, just send a self-addressed stamped envelope to this address:

Collared Greens
Attn: Sticker Request
2513 Grenoble Rd
Richmond, VA 23294


Dakine sells “backpacks, travel bags, accessories, outerwear and clothing for people who love to surf, snowboard, skateboard, mountain bike, ski, windsurf, and kiteboard.”

To get a WAY cool free sticker from them, just mail a self-addressed stamped envelope to this address:

Attn: Sticker Request
603 Portway Ave
Hood River, OR 97031


I love my Dickies jeans as they’ve lasted for close to 20 years and still have plenty of life left in them.

Not sure if their stickers last the same amount of time, but you can easily find out by requesting one HERE.

Dutch Bros. Coffee

Dutch Free Stickers

If you live on the west coast you’re probably familiar with Dutch Bros coffee drive thru kiosks.

Always ask politely for a free sticker (they’re really creative) when you drive thru to get your next drink.

They get new ones every month but they usually run out within a few days so ALWAYS ask early in the month.

You can buy old Dutch stickers HERE for $2/ea if you want.

See Also: The Dutch Bros Secret Menu Will Make Life a Little Sweeter

Fish Hippie

Fish Hippie sells really cool apparel with a bend towards comfortable casual.

And their logo is really cool and makes for a great sticker.

To request your free sticker from Fish Hippie, simply visit THIS PAGE.


Score a way cool Harley “Battle of the Kings” sticker by filling out THIS FORM.

It’s one sticker, per person, while supplies last.

Go get yours today.


I had no idea Heely’s were still around, but they are indeed.

If you’re a fan of the half shoe/half roller-skate then be sure to get a free Heely’s sticker to show your love.

Just visit HERE and fill out the form requesting one.

Hook & Tackle

When it comes to free stickers the folks at Hook & Tackle got it going on.

They’ve made tons of cool stickers over the years and they happily hand them out when you fill out this FORM.

Allow 2-3 weeks for them to show up in your mailbox.

Hydro Flask

The Oregon based company Hydro Flask sells popular water bottles, coffee flasks, and beer growlers.

They hand out cool stickers as well.

To score yours, send a self-addressed stamped envelope here:

Hydro Flask
Attn: Sticker Request
1331 S. 7th St.
Chambersburg, PA 17201.

In-N-Out Burger

Due to overwhelming requests, In-N-Out no longer sends out stickers via the mail.

But…you just have to visit any location and politely ask for one, NO purchase required.

Find a location near you.

See Also: The Ultimate In-N-Out Burger Secret Menu


Who doesn’t love a pair of comfy Keds? Am I right or am I right?

The only thing better than a pair is a free Keds sticker.

To request yours, just visit HERE and help them spread the love.

Lucky Knot

At first glance I thought The Lucky Knot was for couples about to be wed.

But alas, no. Instead it’s a cool site that sells sailing and nautical inspired clothing for men and women.

The best part of the site? They hand out cool looking stickers HERE. Go nab you one.

Marsh Wear Clothing

Marsh Stickers

Marsh Wear specializes in clothing for outdoor-loving men and women.

They also have a really cool fish inspired logo which makes for a great sticker.

To get yours just GO HERE and request one. I personally did it and it took me about 10 seconds with Chrome auto-fill.

The two stickers pictured above is what they sent me, especially love the crocodile sticker.


Moosejaw is kinda a cross between REI and Eddie Bauer and they have some really cool sticker designs as well.

They also offer free stickers if you visit this page.

At the time of this writing they were out-of-stock but were getting more in really soon. Keep checking back.


Sensing some strange moose-theme going on here? Yeah, me too.

Since you already grabbed your free Moosejaw sticker you might as well grab one from MooseTracks ice cream too.

All you gotta do is join MooseTracks Nation and they’ll send you one.

Nike 6.0

Nike 6.0 is Nike’s skateboarding and snowboarding brand.

As you can imagine, Nike 6.0 stickers look great on your skateboard or snowboard.

To request a free one, just send a SASE to:

Nike 6.0
Attn: Sticker Request
1 Bowerman Dr.
Beaverton, OR, 97005

North Face

Similar to Patagonia, North Face is a iconic brand selling high-quality outdoor clothing and gear.

The also have some really cool stickers to hand out.

Request yours by sending a SASE here:

The North Face
Attn: Sticker Request
N850 County Highway CB
Appleton, WI 54914


Who wouldn’t want a cool Patagonia sticker on their suitcase, laptop, or car bumper.

Just fill out this form and they’ll send you one.

BTW, you can request a new sticker every 4 months.

Park City Mountain Bikes

Want a cool mountain bike sticker for your bike, bike rack or SUV?

Just visit the Park City Mountain Bike page and fill out the form to get yours.

Pelican Coast

Pelican Coast is a hip clothing company specializing in “Made-In-New Orleans items such as sport shirts, pants, belts and bags”.

Their pelican logo is really cool too and they’ve turned it into a rad sticker.

Just fill out this form HERE to get yours.

Punisher Skateboards

Punisher is a rad site that sells skateboards, parts, and skating apparel.

They also have some really creative stickers that they hand out to those who ask.

Snag your free sticker HERE.


RVCA is a lifestyle brand with a bend towards the skateboarding and surfing lifestyle.

But they’ve become much more main-stream as I’ll often see people wearing their clothing who would seriously break their neck if they ever stepped on a skateboard.

But anyways, they also hand out a cool sticker when you sign-up for their newsletter.

Request your free stickers from RVCA by clicking HERE.


The only thing cooler than a RVCA sticker is a Saucony sticker. Am I right?

If you’re a runner you will LOVE their creative stickers, trust me.

Visit their “Sticker Request” page HERE and get yours too.

TETON Sports

Teton Sports specializes in camping and backpacking gear and they’re happy to mail out stickers if you swing by their site and request one.

Just visit this page and fill out your info and go stand by your mailbox until they arrive. Their words, not mine.

Trader Joe’s

Here’s a little know secret about Trader’s Joe’s…they give away stickers!

Cool stickers too.

Just politely ask when you’re checking out and most of the time the checkout clerk has a stack of them to hand out.

See Also: Trader Joe’s Return Policy: 4 Things That Make it Ridiculously Awesome


Vans is an iconic American brand specializing in shoes and apparel for the skating/casual lifestyle.

Their creative stickers in recent years have become a mainstay with teenagers.

To request your free stickers send a SASE to this address:

Vans, LLC.
Attn: Sticker Request
N850 County Highway CB
Appleton, WI 54914

Wild Hat Co.

With a name like Wild Hat you just know they gotta have cool stickers, right?

Not only are their hats and beanies WAY cool, but their stickers are totally rad too.

Go HERE and request one for yourself.


Yeti Sticker

Whenever you buy a YETI product you get a free sticker, but they also hand them out when you ask.

Click HERE to request one.


Zappos Free Sticker

On a hunch I started a live chat session with Zappos (see above screenshot) and asked if they had free stickers available.

The chat rep said they didn’t have any stickers that they sell, but she was going to look around the office and send me something. Amazing company!

I’ll update this article when I get the package and let you know what they sent me.

Update: Not only did they send me a couple stickers, but she actually wrote me a nice note thanking me for my patronage.

Amazing company.


Zumiez is in most malls across the country and they sell skater influenced apparel and shoes.

The next time your shopping at Zumiez politely ask for a free sticker (no purchase necessary).

They typically have a stack of them laying around and are more than happy to hand ’em out.

Ask the Reader: What places did I miss that hand out free stickers? Let me know in the comments and I’ll definitely check them out.

By Kyle James

Marshalls Return Policy: Everything You Need to Know + Insider Tips for Success

September 25, 2019 by Kyle
no comments

When it comes to popular discount stores, Marshalls tops the list for many bargain shoppers. But the Marshalls return policy can be confusing, especially when you lose your receipt or when returning a gift. Their policy even differs depending on whether you made your purchase online or in-store which can be REALLY confusing. So I went out and figured out how it all works at Marshalls so your next return will be a piece of cake. Let’s get to it…

Marshalls Return Policy: Everything You Need to Know + Tips for Success

How Many Return Days Does Marshalls Offer?

30 Days.

Just bring back your items within 30 days for a full refund to your original form of payment.

Do I Need My Receipt to Return Stuff?

Unless you want store credit, YES you’ll need your receipt.

Without your receipt you’ll be stuck with store credit for the current selling price of the item.

The same can be said for returns with a receipt that are over 30 days old.

INSIDER TIP: If you have your receipt and it’s been 31-45 days since you made the purchase, often times the manager WILL accept the return. So be polite and always give it a try as you stand a great chance for success.

See Also: What Name-Brands Can You Find at Marshalls, Ross, and TJ Maxx

Can Items Be Worn or Used?


Very little wiggle room on this one as Marshalls imposing a strict policy.

Anything that appears to be used, worn, or “unsellable” will NOT be taken back.

Any Exceptions to the 30 Days?

There are a few return policy exceptions worth noting:

– Gift Cards: Not eligible for a return.

– Beauty Items: If they’ve been opened or tampered with you cannot return them.

– Handbags: If you spent over $499.99 on a handbag you cannot return it in-store. Call Marshalls at 888-627-7425 to discuss your options.

– Long Occasion Gowns: Can’t return them in-store.

– Stuff Over $1,000 in value: Not eligible for an in-store return. Call the above phone number and find out what your options are.

– Final Sale Items: Guess what? You cannot return them. Sell them on eBay if you don’t want them.

– Swimwear and Undergarments: While still a 30-day return policy, items must still have the original price tag attached to be returnable.

What About Online Purchases?

40 days.

Marshalls gives you an extra 10 days to return online purchases.

You can return items to your local Marshalls or via the mail.

When returning in-store, be sure to bring your receipt or shipping confirmation email. It’s also worth noting that your packing slip serves as your receipt.

When returning via the mail, use the return shipping label that was included in your package and follow the instructions.

Be aware that you’ll be hit with a $9.99 fee when returning via the mail, and it will take 10-14 business days after they receive your return to credit your account.

For this reason, always return in-store when possible.

All refunds of online purchases will be credited to your original form of payment.

Can I Return Gifts Without a Gift Receipt?

Yes, but you’ll have to settle for store credit at the current selling price of the item -OR- an even exchange.

Again, items cannot be worn or used.

What Happens When My Original Payment Method Was a Check?

If you want a cash refund you’ll have to wait 10 days for your check to clear the bank.

Can My Return Be Turned Down?


If Marshalls feels you’re abusing their return policy they can decline your return.

This usually happens when you make too many receipt-less returns.

To this end, they track all returns to keep their policy from being abused.

What If I Paid via PayPal?

If you used PayPal to make an in-store purchase, you’ll have to settle for merchandise credit when making a return.

If you used PayPal to make an online purchase, your refund will be a charge-back credit to your PayPal account, minus a $9.99 S/H fee.

See Also: 13 Brick & Mortar Stores That ACTUALLY Accept PayPal

What Else Do I Need to Know?

Here are a couple more nuggets of information…

– Stuff bought in-store cannot be returned online.

– Exchanges are not allowed for online purchases.

Ask the Reader: What’s been your experiences with the Marshalls return policy? Good, bad, or indifferent?

Happy returns.

By Kyle James

Photo credit to Mike Mozart.

Ross Return Policy: Insider Tips for Successful Returns Every Time

September 17, 2019 by Kyle
no comments

The Ross return policy can be a little confusing. Especially if you lost your receipt or you’re outside the return window that Ross gives its shoppers. In this article I’ve attempted to answer all your burning questions and even provide some insider tips that’ll make your next return at Ross a breezy.

Ross Return Policy: Insider Tips for Successful Returns Every Time

How Many Return Days Does Ross Give Me?

30 days.

Ross gives you 30 days from the date of purchase to return items.

Your refund will be processed via your original payment method.

You DO NOT need to return items to the same Ross store where you bought them.

See Also: The 2 Best Days to Shop at Ross to Save Money

What Happens After 30 Days?

If you try to return something after 30 days you’re NOT completely out of luck.

You can bring it back, you’ll just have to settle for store credit or an even exchange.

Do I Need My Ross Receipt?

Yes, hold on that receipt.

You can return items without a receipt but you’ll get store credit for the current selling price of the item.

Be prepared to show a valid photo ID when making a “no-receipt return”.

Ross uses a 3rd party refund verification system and tracks your returns by using your ID.

If you abuse the system or make too many return without a receipt, your return WILL be declined.

Can Items Be Worn or Used?


Items returned to Ross must NOT be “used, worn or altered” in any way.

They need to have the original tag attached as well. Items returned without a Ross tag are very hard (if not impossible) for employees to process.

If you removed the tag, bring it back and they can re-attach it for you.

Can I Return Online Purchases In-Store?


The Ross website does NOT sale anything and essentially acts only acts as a Store Locator.

Any Exceptions to their Return Policy?

Yes, there are a few exceptions.

  1. Fine Jewelry: Same 30-day policy but jewelry must have original tags attached and be accompanied by your receipt. Also, you can only return jewelry to a Ross store that has a jewelry department.
  2. Swimwear & Lingerie: Same 30-day policy but bathing suits and lingerie must have original tags attached and be accompanied by your receipt.
  3. Software: If you open software bought at Ross you cannot return it unless it’s defective, in which case you can only exchange it.

I’ll keep this list updated in case new items are added to their exceptions list.

See Also: How To Score the Best Deal at TJ Maxx, Ross, and Marshall’s

What About Returning Items Bought With a Check?

If you want a cash refund, you must wait 5 business days for the check to clear.

Can I Return a Ross Gift Card?

No, you cannot a return a gift card for cash.

But if you LOST your gift card (or had it stolen) you can get a new one as long as you still have the original register receipt.

Just bring it into any Ross store and they’ll set you up with a new gift card.

Can I Return Furniture for Store Credit Without a Receipt?

I called Ross customer service to get an answer to this question.

The Ross rep actually called my local store and spoke with the manager as it’s handled on a store-by-store basis.

The manager said that I COULD return the piece of furniture, without a receipt, for store credit.

But…it had to still have original tags on it and show no wear and be resell-able.

It’s also important to note that you’ll be stuck with store credit for the current selling price of the furniture.

How are Debit Card Returns Handled?

When making a return where your original form of payment was a debit card, your return will be added back to your back account via your debit card.

You can also opt for store credit if you’d prefer.

How to Return a Gift Without a Receipt?

If the item still has the price tag attached, you should be able to return the item for store credit.

If there is no tag, and no receipt, you’re stuck with it.

Is There a “Holiday” Return Policy?

No, there is not a separate return policy for holiday or Christmas purchases.

The same Ross return policy applies for all 365 days of the year.

Ask the Reader: Do you like the return policy at Ross or do you find it a little bit stingy?

By Kyle James

Sprint Military Discount: Huge Savings for Military Families (Not So Great for Individuals)

September 13, 2019 by Kyle
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If you’ve been reading my blog for awhile, you know I love discounts for active military and vets. What better way to say “thanks” for serving our country than with a way to save money on everyday expenses. With that said, it’s now time to breakdown the Sprint military discount. How much money can it save you on your wireless bill, who’s eligible, and how do you apply. Plus, I offer some Sprint insider tips on how to maximize your savings.

Sprint Military Discount: Huge Savings for Military Families

Is the Sprint Military Discount Good?

It’s pretty solid, especially for military families.

Specifically, their military discount is really good for military families, not so much for individuals or a couple with NO kids.

Here’s exactly how the Sprint Unlimited Military Discount breaks down:

1 Line = $60/month

2 Lines = $80/month

3 Lines = $80/month (3rd line free)

4 Lines = $80/month (3rd and 4th lines free)

5 Lines = $80/month (3rd, 4th and 5th lines free). This is easily the best value and comes out to $16/month. 5 lines without the discount would cost a family $160.

The Sprint Unlimited military plan is identical to the Sprint Unlimited Basic plan.

Here’s what you get with the Unlimited plan:

  • Unlimited data, talk and text.
  • Free Hulu account. ($7.99/month value)
  • 500 MB Mobile Hotspot.
  • Streaming in SD (DVD-quality)
  • In Mexico & Canada you’ll get unlimited talk & text and 5 GB of 4G LTE data.
  • Global Roaming in 200+ worldwide destinations.

It’s also worth noting that data speeds could get throttled during times of heavy congestion.

This current discount is available through September of 2020. I’ll keep this page updated in case the offer changes.

Who is Eligible?

Their military discount is available to current and former members of the military.

This includes active duty, reserves, National Guard, veterans, and their family members.

Military members must be the primary Sprint account holder for family members to be eligible.

How Do I Sign-Up?

If you aren’t currently a Sprint subscriber you need to visit this page and fill-out the pre-registration form.

Once your pre-registration is accepted, you’ll get an offer code via email with instructions on completing your military discount.

If you’re already with Sprint, just visit the same page and click the Activate button under the pre-registration form.

You can also walk into any Sprint store and have an associate help you setup your discount.

It’s also important to note that this discount requires you to sign-up for auto-pay.

See Also: Verizon’s Military Discount: How It Works and How Much You Can Save

What Proof Is Needed?

You’ll need to submit one of the following to complete your discount registration.

– .mil Email Address

– Military ID Card

– Military Orders Form

– Veterans ID Card

– DofD Form 214

– W-2 Tax Form

– Military Retiree Account Statement

How Do I Verify My Discount?

Verify Sprint Military Discount

Sprint uses a highly reputable 3rd party company called Sheer ID to verify your military service.

Once you’ve applied to get the discount, you can visit this page and check if you’re getting all the discounts you’re eligible for.

What Happens If I’m Sent Overseas?

If you get deployed be sure to visit the Sprint Deployment Page.

Sprint will happily suspend your wireless service and you won’t have to pay ANY monthly charges while you’re gone.

You’ll get this free service for 36 months. If you need to extend it for any reason call Sprint at 844-751-0149 and they’ll help you out.

Be sure to call the same number to get your service reinstated when you get home.

How Does the Sprint Discount Compare to Verizon’s?

The Sprint Military discount is much better than Verizon’s military discount if you need 3 or more lines.

You’ll save close to $40/month by using Sprint compared to Verizon.

If it’s just you, or maybe you and your spouse, the savings with Verizon is better.

Ask the Reader: If you end up applying for the Sprint military discount let me know if it was an easy process.

By Kyle James

Photo credit to Mike Mozart.

Verizon Military Discount: How It Works and How Much You Can Save

September 11, 2019 by Kyle
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Verizon Wireless is expensive, there I said it. But thanks to the Verizon military discount it doesn’t need to be. People, me included, are cool with paying more for Verizon because of the great features and strong network coverage. Heck, I live out in the countryside and Verizon is the only reliable service in the area thanks to it’s great coverage map. Here’s how their military discount program works so you can start saving today. Thanks for your service to our country.

Verizon Military Discount: How It Works and How Much You Can Save

What is the Verizon Military Discount?

Verizon Military

Verizon’s military discount breaks down into 3 main categories.

1. $30/mo for Unlimited Data Plan: To qualify for this discount you’ll need at least 4 lines on the plan.

Unlimited plans available include the following: Start Unlimited, Play More Unlimited, Do More Unlimited, Get More Unlimited, Go Unlimited, Beyond Unlimited, and the Above Unlimited plan. Details here.

To give you an idea of how good this discount is, my family of 4 has an unlimited plan from Verizon and we pay close to $200/month for it.

For 2-3 lines you’ll get a $25/month discount per line.

For only 1 line you’ll score a $10/month discount.

2. 15% Off Eligible Plans: If you don’t want an unlimited data plan then a 15% discount is still available for you.

3. 25% Off Select Accessories: Accessories include phone cases, screen protectors, chargers, etc.

Obviously you’ll want to use the discount that makes the most sense for you and your family.

Important Note: To get the discount you must sign-up for auto-pay along with paperless billing.

See Also: Veteran & Military Discounts: 90+ Places Where Heroes Get a Deal

How Do I Sign-Up?

The first thing you have to do is register your military discount and join the military discount program.

Simply visit this page on the Verizon site and follow the instructions.

Is the Discount Only Available to Active Military?


The Verizon military discount extends to veterans as well as spouses and their children. More on this later.

What Proof Do You Have to Show?

You’ll need to show at least one of the following when registering for the discount.

Active Military:

– Military-issued email

– Military paystub

– Military enlistment DD Form 4

– SCRA Status Report


– DD Form 214

– Veteran’s ID Card

– Military Retiree Account Statement

– VetRewards Card from Veterans Advantage

See Also: Sprint Military Discount: Huge Savings for Military Families

Are All Military Branches Eligible?


More branches are eligible for this military discount than any discount I’ve ever seen.

They include the following branches:

– Marines

– Army

– Air Force

– Navy

– Coast Guard

– Commissioned officers of the National Oceanic and Atmospheric Administration

– Commissioned officers of the United States Public Health Service

– All military reserves and National Guard

– Veterans of all branches

– Gold Star Families

– Cadets

See Also: First Responder Discounts: 22 Popular Stores That Offer Them

Is a Discount Available for Gold Star Families?


I applaud Verizon for offering a discount to Gold Star spouses and next of kin.

The coolest part about this discount is the military member who died while serving their country does NOT have to be a Verizon customer for the family to qualify.

All you will need is a DD Form 2014 to register. Visit this page for all the details.

Can I Get a Military Discount On Top of My Employee Discount?


Unfortunately you can only take advantage of one discount at a time.

But keep in mind that the Verizon employee discount DOES NOT offer a discount on unlimited data plans thus making the military discount a better deal in most situations.

I’m a Military Spouse, How Do I Sign-Up?

You CAN’T by yourself.

The person signing up for the discount must be either a military member or veteran AND the account owner or manager of a Verizon Wireless account.

The one exception to this policy is Gold Star families.

How Do I Check That My Discount Was Applied?

Don’t just forget about your military discount after you register.

Be sure to follow-up and make sure it was accepted by Verizon.

Visit this page on Verizon’s website and you can quickly verify your discount status.

Can My Data Speed Get Throttled?

Unfortunately, YES.

According to the Verizon website, “In times of congestion, your data may be temporarily slower than other traffic.”

Is a FIOS Discount Available Too?


If you want Verizon internet services in your home you can score a military discount on that as well.

You have 2 discount options:

1. $120 off a yearly subscription of Fios Triple Play (Home phone, Internet and Fios TV).

2. $60 off a yearly subscription of Fios Double Play (Internet and a choice of Home Phone or Fios TV).

What Happens If I Get Deployed Overseas?

Verizon will let you temporarily suspend your service until you come home. Details here.

The great thing about this feature is that your discount will be waiting for you when you return.

Ask the Reader: Have you received the military discount from Verizon? Was it an easy process and how much money does it save you every month?

By Kyle James

Photo credit to Mike Mozart.

Costco Hearing Aids: Who Makes Them and Are They a Good Deal?

September 6, 2019 by Kyle
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Are you considering buying hearing aids from Costco? Or maybe you already have and are wondering about the pros and cons of buying them from Costco Wholesale. Whatever the case may be, I researched exactly how the Costco Hearing Aid Center works so you can walk in and make an informed decision. Hearing aids are very expensive and it’s important to know all the facts before you spend a cent. I hope this information helps.

Costco Hearing Aids: Who Makes Them and Are They a Good Deal?

What Hearing Aid Brands Does Costco Sell?

Hearing Aid brands

Costco offers a nice selection of top hearing aid brands.

They include the following 5 brands:

– Philips: They are the newest manufacturer of hearing aids on this list.

– Kirkland Signature: These are built by Sonova, the same company that makes Phonak, Unitron, and Hansaton hearing aids.

– Phonak: Considered to be a premium brand.

– ReSound: Danish company famous for making the “Made for iPhone” hearing aid.

– Rexton: While still good, these are considered a slightly less expensive brand.

Many of the models from these brands are sold exclusively at Costco.

It’s common knowledge that some of the models Costco sells are slightly watered down versions of themselves and have less features.

Always compare features when deciding where to buy your hearing aids.

Do your research ahead of time and figure out what features you actually want and make sure the hearing aids you buy have all those included.

To help you figure out which features are important, check out this fantastic Consumer Reports buying guide.


Are Costco Prices Competitive?


As a matter of fact, the prices are so good at Costco that they’ve grown into the largest private seller of hearing aids in the United States.

For example, you can buy the Kirkland Signature premium hearing aids for about $1,500 per pair. This is about 50% less than a “name-brand” equivalent.

Remember when I told you that the Kirkland brand is actually made by the same company that produces the premium Phonak hearing aids? This makes the Kirkland brand an excellent value.

When it comes to the name-brand hearing aids that Costco sells, they are definitely more expensive than the Kirkland brand, but still 15%-30% less than other sellers.

What Hearing Aid Styles Does Costco Offer?

Costco offers 6 hearing aid styles for you to try.

They include the following:

– Open Fit: For mild to moderately severe hearing loss. They fit behind the ear and have a small tube that goes into the ear.

– Behind the Ear: For mild to extreme hearing loss. Worn behind the ear and attached to a custom fitted ear mold.

– Bluetooth Compatible: For mild to severe hearing loss. Similar to the open fit but allows you to connect to Bluetooth enabled devices.

– In the Ear: For mild to severe hearing loss. Custom molded and takes up most of the outer ear.

– Canal: For mild to moderate hearing loss. Custom molded to fit in the ear and takes up most of the ear canal and some of the outer ear.

– Completely in the Canal: For mild to moderate hearing loss. Fits in the inner ear canal.


Do I Need to Be a Costco Member?

You DO NOT need to be a Costco member to get a free hearing test and expert recommendations.

Just tell the card checker at the door that you’re there for your hearing test and they will let you in.

But if you decide to buy your hearing aids or batteries from Costco, you WILL need to be a member.

Do I Have to Make an Appointment?

If you’re a new customer YES, you need to call and make an appointment. (Find a Costco Near You)

Basically you’re making an appointment for a no-obligation hearing test.

Once the hearing test is complete, a specialist will go over the results with you and make any recommendations.

Be sure to fill out this Patient Intake Form before your appointment and bring it with you as it will speed up the process.

Can I Return Hearing Aids If I Don’t Like Them?


If you don’t like your hearing aids for ANY reason, you can take advantage of Costco’s Generous Return Policy and bring them back for up to 6 months after you bring them home.

Does Each Costco Have Their Own Audiologist?

Some, but not all.

It depends on the location and some travel from Costco to Costco on certain days of the week.

They are considered “independent audiologists” and are not a Costco employee.

This means they are not bound by sales quotas and will not push a certain brand on you.

The end result is typically someone who has your best interests in mind.

But EVERY Costco employs highly trained hearing aid specialists that will help you.


What Are the Cons of Using Costco?

1. “De-Featured” Hearing Aids: As mentioned above, some hearing aids at Costco might not have the features you need the most. Always ask.

2. Crowded Warehouse: Another con is you have to visit a big crowded warehouse to buy your hearing aids and have them serviced.

The key here is to shop midweek before noon. The parking lot will have ample space and the warehouse will be very easy to maneuver in and out of.

3. Locked Hearing Aids: Some of the hearing aids that Costco sells are “LOCKED”.

This means they can only be unlocked and serviced by Costco.

So if you move to a town that doesn’t have a Costco, or you have to make a long drive, you’re kinda screwed.


What Other Hearing Aid “Perks” Does Costco Offer?

Besides competitive pricing, the Costco hearing aid center offers some other nice perks…

– Free Cleaning & Check-ups: When you’re shopping at Costco be sure to stop by the Hearing Aid Center and they’ll clean your hearing aids for free.

– Free Follow-Up Appointments: Need help adjusting your new hearing aids? No problem. You’ll get unlimited follow-up appointments for free at Costco.

– 2-Year Loss and Damage Protection: My Dad actually lost one of his hearing aids on a plane and Costco replaced it for free. There is NO deductible either which is a huge perk.

– 3-Year Warranty on Faulty Devices: This covers anything that might go wrong with the hearing aid that is not your fault.

– Deals on Hearing Aid Batteries: Be sure to buy Kirkland hearing aid batteries at Costco too since they’re cheaper than anywhere else.


Ask the Reader: Do you buy your hearing aids from Costco? If so, what has been your experience? Let me know in the comments section below, thanks.

By Kyle James

Side-note: I want to thank my Dad, who recently bought his hearing aids from Costco, for his help in putting this article together. Much appreciated!