bear market. it's the thought that counts, of course. what if you don't want another reindeer sweater with jingle bells and little flashing lights? according to the national retail federation, 17% of consumers plan to hit the stores to return or exchange unwanted gifts. some retailers have a no-questions-asked policy. others have a strict rule that makes returning purchase frustrating or impossible. what can you do to make returns easier? don't open the box. don't remove the packaging. if it's a gift you don't want -- >> don't look at it -- >> don't peel off -- especially for electronics. you risk a restocking fee if packaging isn't intact and products are missing tags. you may be stuck with them. keep the gift receipts. don't throw them out with the wrapping paper. retailers will not let you return your gift with that one. others may give you store credit. check return policies and note any time limits. check -- you can check those on line before you get to the store with all of your stuff to wait in line. during the holiday, some retailers will extend their deadlines often until late january. also bring an i.d.