What is the Costco Jewelry Return Policy?

costco jewelry return policy

Costco carries practically every item you would want or need, including jewelry. But, if you do purchase something like this for a loved one (or even yourself), what happens if the design does not suit or fit the receiver? What is the Costco jewelry return policy?

Sometimes, we purchase things then later change our minds. Impulse buying happens to the best of us and so does buyer’s remorse. I knew that Costco was designed to be a one-stop-shop but was particularly surprised to learn they also carry jewelry. And not just any jewelry; simple pieces ranging from $80 to princess-cut diamond rings at $4,000 are available at some Costco stores and through their main website. I began to wonder, though, what would happen if I did buy my jewelry from them but decided later that it was not for me. Perhaps I saw something from their selection online I liked better. Or, let’s say I bought a ring for my mom for Mother’s Day and it ended up not fitting her. Could she simply exchange it for a new size? So, I decided to stop in to the warehouse chain over the weekend to find out.

costco jewelry return policy

Photo Credit: Flickr user ohmybuhay

What is the Costco jewelry return policy?

When I entered the closest Costco to my area, I came across their jewelry section, which was admittedly small. However, this does not mean the items in-store were not still appealing. As I approached the station located near other retail items, I was easily able to speak with an employee regarding their terms on returns.

As it stands, Costco claims they are very good with return policies. You have 90 days to change your mind with your jewelry purchase, and you may exchange the item or get your money back. Just make sure to keep your receipt, as you would with anything. Additionally, you are able to use your exchange or the equivalent amount of your purchase online. You would receive a store gift card of sorts to utilize on their website. But, what if you originally buy the jewelry online?

If you bought a jewelry item through Costco.com and needed to return it, you have a couple options. You can give back the piece at a chain near you with the Gemological Institute of America (GIA) diamond report and International Gemological Institute (IGI) appraisal notice (if both are applicable). Should you be unable to bring it back to the store, you can still attempt to return it by submitting an email. All you need to include is your name, phone number, order confirmation number, and your reason for returning. You’ll need to mention whether or not the card you used to buy the jewelry is still in use as well. Although this route will take longer, the process will still be complete. Another bonus with online returns? The amount reimbursed includes shipping and handling fees.

How does it work for non-members?

Unfortunately, if you are not a member and received jewelry from Costco as a gift that you would like to return, the individual holding the membership will have to do it for you. So, you would not receive a gift card or store credit for the item. In fact, Costco does not provide gift receipts at all. It would be best to sit with the member who gifted you the jewelry and look at the online options prior to their exchanging it for you or simply get a membership for yourself.

If you are leery of buying jewelry from Costco, you can check out their frequently asked questions, which they’ve published here.

Shopping at Costco can be a way to save money, and it’s nice to know that the Costco jewelry return policy is also fairly simple. That is, as long as you do it within the 90 day period.

Have you ever purchased jewelry from Costco before? What were your thoughts? 

How to Pay for Plastic Surgery with Bad Credit

how to pay for plastic surgery with bad credit

There may come a time when you want plastic surgery, whether out of medical necessity or purely personal reasons. Whatever the case may be, it may not be an option if you have a poor credit history. However, this is not to say that it is not still possible. I was curious to see how to pay for plastic surgery with bad credit, so I did some research for today’s article. Keep reading to learn more.

The Rise in Plastic Surgery

Reconstructive surgery existed long before the first procedure was performed in the United States during the 19th century, but it was the emergence of motion pictures and television that boosted the modern movement of plastic surgery. And this phenomenon shows no sign of stopping any time soon.

According to their press release, the American Society of Plastic Surgeons (ASPS) released data recently showing there were “15.9 million surgical and minimally-invasive cosmetic procedures performed in the United States in 2015, a two percent increase over 2014.” In fact, the company also claims in the release that overall procedures have risen 115 percent since 2000.

With the evolving types of procedures patients can choose from, options are increasing and so are providers, ASPS President David H. Song, MD, MBA, FACS, said in the release. Unfortunately, despite the increase of providers, cosmetic surgery remains costly, especially if you want more than one procedure at once.

So, if you are looking for plastic surgery but have poor credit, what are your options?

How to Pay for Plastic Surgery with Bad Credit

If plastic surgery is on your radar, there are a few different routes to consider taking. These suggestions from Creditcards.com may be worth looking into:

  • Credit Cards: To pay for the expense of the operation(s), credit cards are an option. A standard card with an interest rate less than 10 percent used specifically for this could pay for the costs while also building your credit. You could also apply for a medical credit card like CareCredit to cover te surgery. These often have zero interest rate promotions for a certain amount of time following your approval. Creditcards.com recommends reading the fine print, though, as those rates can skyrocket if you miss a payment or do not repay the amount quickly.
  • Regular Loans: Obtaining a loan from your bank or a credit union could be a good fit for you. The problem is these unsecured loans will likely tack on to the overall amount you owe due to interest. The good news is that banks often offer loans with a fixed interest rate, preventing the interest the fluctuate throughout the course of repayment. The alternative would be to look into a secured loan where you promise an asset as collateral should you miss a payment. Secured loans offer lower interest rates for that reason.
  • Unsecured Medical Loans: Similar to a personal loan or credit card, unsecured medical loans are typically provided by a third party such as a doctor, Creditcard.com explains. This would be a potential option if you are having a hard time borrowing money from other sources, especially if you have a lower credit score. Watch out, though; these loans are known for having higher interest rates.
  • Payment Plans: You can always speak with your doctor to see if they offer their own payment plans. Some practices in a variety of medical fields will work out monthly payments with you based on your income or budget, but most do not do the procedure until the expense is paid for in full. It’s worth attempting to have that conversation with a plastic surgeon to evaluate your choices. Even though this type of plan would not include interest, you could still be sent to collections for missing a payment.
  • Savings: You could pull money from your own savings account to cover the costs of cosmetic surgery. Although you’d be reducing your account, you would at least not have to worry about monthly payments or interest rates.

If you’ve been wondering how to pay for plastic surgery with bad credit, the above alternatives hopefully present some realistic ways to receive your desired operations. Whatever route you choose, remember to make payments in a timely manner to prevent your credit score from getting worse. Also, make sure to outweigh the costs, evaluate your finances, and do your research prior to moving forward with your decision.

Have you ever had plastic surgery? What suggestions would you include in the list? 

 

Photo credit: Brian J. Parker

A GnuCash Review: Version 2.6.15

gnucashFor business owners, whether large or small, time is of the essence. As a freelance writer, I often feel the pain of needing more of this time to focus on my writing. Because I am a one-woman show, however, I have to focus on multiple aspects of my business, including accounting. Luckily for me, the possibilities of online programs are seemingly endless in the Information Age, and of those includes accounting software. Over the weekend, I came across GnuCash, a free bookkeeping program, and decided to check it out. Here is what I thought of the software:

First, what does GnuCash do?

According to its website, GnuCash is a “personal and small-business financial accounting software, freely licensed under the GNU GPL and available for GNU/Linux, BSD, Solaris, Mac OS X and Microsoft Windows.” This free software is designed to not only be flexible but also to track a variety of accounts, from your bank to your stock.

Highlighted features of GnuCash includes but is not limited to: small business accounting, reporting, stock and mutual fund accounts, scheduled transactions, and double-entry accounting.

For the individual on the go, an Android app exists for mobile financial tracking. Additionally, the program offers check printing, mortgage and loan repayment assisting, and flexibility on different operating systems.

My initial impressions:

Being the visual person I am, the website initially appeared a bit overwhelming to me due to the amount of information included on the homepage. However, the main and most important points of the software are listed right at the beginning.

When you first go to download, it can be a little confusing. It might be overwhelming for those who may not be familiar with computer lingo to see discussions of Linux and the operating systems. But, relax. If you have Windows, it won’t be complicated. It should only take a couple minutes to download considering the file size is 1.92 KB.

After downloading, it was time to start using. My issue was trying to figure out how to open the program. I first looked in my documents, where I expected the file to be, but what I found were all back-end pieces to the puzzle. After going through the Start menu, though, instead of the document folder, I was able to launch the GnuCash software.

GnuCash

The starting screen for GnuCash

I am typically the type that catches on to technology and new programs fairly easily; however, this looked a little intimidating. I was not too concerned, though, since the website contains a section titled “Documentation,” where you can find a help manual and tutorial to get you started should you need it. As I started to set up my accounts, the assistant guided me along in a straightforward manner, which I liked.

How it works:

To get started using GnuCash, you first need to go through the setup. The guide that automatically pops up directs you on what to click on next. If you aren’t familiar with accounting, you may have a hard time understanding certain aspects of the setup, but, again, the help tutorial should be able to assist you with more details of the software.

You’ll be prompted to set up your account hierarchy, at which point you’ll have the option to use trading accounts or split accounts. Following this, you will choose accounts to create. If you’re using this for personal expense tracking, you would select “Common Accounts,” but you may select more. I included my college loans in mine since that is my only debt currently.

Setting Up Your Accounts

Setting Up Your Accounts

Although a time-consuming process, enter your numbers here. You can, of course, import a CSV file from your bank account(s) as well, which can then be organized in your data sheet. When you get the file in from your bank or credit card statements, you will then be able to categorize each into as specific of details as you would like. For instance, you could create a category like Expenses: Bills/StudentLoans. Unfortunately, you have to sort these out one by one as well, and uploading the files can also be a bit of a process.

In addition to uploading the file from your bank, you can connect your bank account through the Tools tab.

Online Banking Setup

Online Banking Setup

You will be lead through a series of steps to complete the process. Buyer beware, though; the third party they use to access your account, known as OFX Direct, may include a $9.95 monthly charge. Considering it is free to use the rest of the software, this may be worth the cost.

To do a manual entry, simply click on the area under “Opening Balance” and type the number in the text box that appears. Note that some accounts are meant to be what GnuCash calls “Placeholders,” that is, a holder until you get the information. This is explained in the description above the columns. Again, the main purpose of this section is to establish your hierarchy.

As you finish this setup, the software automatically converts this information into an XML file, having you save it in your documents. Then, in GnuCash, your information is documented, and your net profit is already there for you to view based on the numbers you entered.

From here, it is managing, analyzing, and reporting.

Would I recommend it?

Even though I am a detail-oriented person, this software may have a little too much going on all at once for me. Also, when I attempted to upload a CSV file, it was fairly time-consuming.  But, many aspects of GnuCash are much simpler than they look. As you start a new task, such as performing a transfer, it appears to be daunting but actually is easy. In general, the layout is a bit complicated, but one may argue the same of Quickbooks, another accounting program geared toward businesses.

The GnuCash software does provide essentially everything you need to balance your books. It can even be used in multiple languages, which I view as another bonus. What holds it back is the time it takes to set up and its lack of convenience. If you are on a budget, though, especially for your start-up business, this may be a viable option.

Lastly, you may want to save reviewing the tutorials one by one and only look for the answers you truly need for your situation. There are pages among pages, and it’d be easier to learn as you go rather than try to absorb the information all at once.

I would need to utilize GnuCash for a few months and compare it side by side with a program like Quickbooks to see if it truly is beneficial or a right fit for me. Despite the fact that I do understand there is a learning curve for most things, especially in business, time is also money. If I spend or waste too much time trying to figure out one program, free may actually end up costing me more in the long haul.

If you’re looking for something extremely user-friendly, GnuCash may not be for you. Conversely, if you need something extremely detailed and you have basic accounting skills, it is worth trying out.

Have you ever tried GnuCash before? Would you recommend it?

 

Photo Credit: Mark Wilson