Before you buy, know the return and exchange policy. Most retail stores allow you to return things you buy within a reasonable time for a full refund, credit, or an exchange. When a store clearly displays a limited or no-refund policy, however, refunds and exchanges are not required by law. So don’t assume a store will allow you to return an item if you change your mind. Check the store’s return policy before you buy. Many retailers display their return policies at the cash register or th...