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After-Christmas Return Week: 5 Reasons Refunds Get Denied (and How to Avoid Them)

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After-Christmas Return Week: 5 reasons returns get denied (and how to avoid them) After-Christmas Return Week: five common reasons retailers deny returns TL;DR Summary “Return week” after Christmas is when return counters and shipping labels get busy—and small mistakes can lead to a denied refund. Many denials come down to documentation and condition: missing packaging, label issues, serial-number mismatches, opened items, or restocking-fee rules. A quick checklist before you drop off a return can reduce delays, partial refunds, and back-and-forth with customer service. The days right after Christmas are peak season for returns. People are swapping sizes, returning duplicate gifts, or sending back items that didn’t match expectations. But it’s also the week when many shoppers discover a frustrating reality: the retailer can reject a return, issue only a partia...

Best S&P 500 Index Funds 2025: VOO vs SPY vs FXAIX Comparison

Best S&P 500 Index Funds (2025): VOO vs SPY vs FXAIX Compared TL;DR Summary All three funds — VOO (Vanguard ETF), SPY (State Street ETF), and FXAIX (Fidelity mutual fund) — track the S&P 500 Index with high fidelity. Their long-term returns are nearly identical once fees are accounted for. The main differentiating factors: cost (expense ratios), structure (ETF vs mutual fund), liquidity/trading volume, and tax/timing features. Expense wise: FXAIX is the cheapest (~0.015-0.02 %), VOO next (~0.03 %) and SPY higher (~0.0945 %). :contentReference[oaicite:6]{index=6} For a long-term buy-and-hold investor, the choice between them is less important than simply owning *an* S&P 500 fund — but if you invest large sums or want to minimise every basis point, cost & structure matter. 1. Fund Basics & Overview The S&P 500 index measures the stock performance of 500 of t...

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