Ah, the warm heart-felt feelings that Christmas brings upon us, you know, the “comfort and joy” cozy feelings of giving a wonderful gift to that special someone. It is said that, “it is better to give than to receive”, unless we’re in tough economic times, it’s better to return that gift you bought and let them go without. The tougher the times the higher the return rate, and this years return rate is higher than last years. Retailers will refund over $53 billion to consumers this year. Stores will refund 9.9 cents for every dollar taken in this year, that is up from 9.8 cents last year.