In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review

Retailers With Generous Return Policies

By Cameron Huddleston

Attention givers and recipients: These stores are the good guys

JewishWorldReview.com | A recent survey by deal and coupon code site RetailMeNot.com found that 35% of respondents said they have returned a holiday gift they received. And about the same percentage said they have exchanged a gift.

With that in mind, it's worth considering which retailers make it easy to return unwanted gifts when deciding where to shop this holiday season. Of course, price should be a top concern when making a purchase. But you don't want to buy from a store that will make it hard for recipients of your gifts to exchange them for something they really want.

A 30-day limit on returns or exchanges is common among retailers, says Matthew Ong, a retail analyst for money-saving site NerdWallet.com. Some retailers -- such as Cabella's, Dick's Sporting Goods, Home Depot, Kmart, Lowe's, Sears, Target, Toys "R" Us and Walmart -- allow customers up to 90 days to return or exchange most items (electronics tend to be the exception and typically have 15- or 30-day limits). There's a handful, though, that give consumers a year or more to return purchases.

These 11 retailers stand out for their generous return policies, based on our research and a comparison of retailers' policies by Cheapism.com. The descriptions below highlight the key points of retailers' policies. For more detailed information, visit their Web sites.


Anthropologie unconditionally guarantees its merchandise and allows customers to return or exchange items if they're not satisfied for any reason. Customers who don't have a receipt -- or packing list for online purchases -- for merchandise bought more than a year ago will be refunded at the items' current selling price. Furniture, however, must be returned within 30 days for a full refund. Furniture with a defect can be replaced for up to one year.

Bath & Body Works has no time limit on returns and will issue a full refund to customers with a receipt. Customers with a gift receipt can exchange items or receive store credit for the purchase price on the gift receipt. Customers without a receipt can receive store credit based on the current price of an item.

Bloomingdale's allows customers to return or exchange most items any time after purchase. It does tag some dresses, which cannot be returned if the tags are removed. Customers who don't have a receipt can get a refund if they purchased merchandise with a Bloomingdale's card within the past 12 months or the items still have their price tags attached -- otherwise, a gift card will be issued.

Costco does not have a time limit on returns or exchanges of items other than some electronics and tech gadgets. Televisions, projectors, computers, cameras, camcorders, tablets, MP3 players and cell phones must be returned within 90 days of purchase for a full refund. Receipts aren't necessary for returns or exchanges because this members-only warehouse club can track purchases through customers' accounts.

JC Penney lets customers with a receipt exchange most items at any time or receive a refund of the purchase price on the original method of payment. Exceptions include furniture, jewelery and electronics, which must be returned within 60 days. And special occasion dresses must be returned in their original condition with the green return tag in place. Customers with a gift receipt can exchange items or receive a gift card for the amount listed on the receipt. Customers without a receipt must show a photo ID to exchange items or get a refund in the form or a gift card for the item's lowest selling price within the last 45 days.

Kohl's has a "No Questions Asked - Hassle Free" return policy for all purchases. The retailer's sales associates can locate Kohl's charge card purchases up to 12 months after the purchase date and apply a credit to a customer's account. Non-Kohl's charge card purchases and purchases made outside the 12-month time frame qualify for a store credit or a corporate-issued refund check. Customers with a gift receipt can exchange items or receive store credit or a corporate-issued refund check. And customers without a receipt can exchange items or receive a corporate-issued refund or a store credit based on the lowest 13-week sale price if they didn't pay with a Kohl's charge or other major credit card.

L.L. Bean lets customers exchange or return purchases for a refund at any time. Items received as a gift can be exchanged or returned for a gift card.

Macy's does not have a time limit on returns and exchanges and can track down the price customers paid for items within the last two years if they charged purchases to a Macy's card. Customers with a gift receipt can receive a gift card for the full purchase price of an item. Customers without a gift receipt will get a gift card for the item's lowest price within the last 180 days.

Nordstrom does not have a return policy. So there are no time limits for returns or exchanges. Salespeople evaluate return and exchange requests on a case by case basis, says company spokesman John Bailey. Receipts are helpful but not necessary for returns or exchanges, he says. Usually Nordstrom Rack merchandise must be returned unaltered and unworn within 30 days of purchase with its original price tag and receipt or packing slip -- and a photo ID is required for all in-store cash refunds. However, any items purchased now through the end of the month can be returned up until January 31, Bailey says.


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REI, an outdoor gear and sporting goods retailer, recently tightened its no-time-limit return policy to one year, which still is quite generous in the world of retail. (The retailer does limit returns from REI Outlet stores to 30 days.) Items can be returned for a refund or replacement with proof of purchase. Used items must be cleaned before they are returned. Normal wear and tear or damage caused by improper use is not covered by REI's "100% Satisfaction Guaranteed" policy.

Zappos, an online shoe and apparel retailer, will give customers a full refund if they send items back in their original condition and packaging within a year. Just as all purchases ship for free, all returns can be sent for free with a prepaid shipping label that can be printed from Zappos.com.


You might have noticed that several of the retailers listed above will give store credit for an item at its lowest selling price to consumers without a gift receipt. So do your friends and family a favor by including a gift receipt with the items you give them this holiday season to help them avoid having to shell out their own money to exchange an item that might have dropped in price since you purchased it.

If you receive an unwanted gift without a receipt, make sure you act quickly to return it if it didn't come from one of the retailers listed above. Also make sure you don't open the manufacturer's or retailer's packaging on unwanted gifts. Otherwise you might only be able to exchange it for an identical item. Or you might have to pay a restocking fee (generally 15% of the purchase price) if you return items -- especially electronics -- that aren't in their original package. This is meant to discourage the one-time use of items.

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Cameron Huddleston is an online editor at Kiplinger's Personal Finance magazine.

All contents copyright 2013 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC