the holidays are about giving and receiving and returning. last year, 38% of people returned one holiday gift. if you made the moral decision to ditch the sweater, do it right. first, know your return window. it varies by retailer. many have a strict time limit and require a receipt. next, don't open a store credit card. expect stores to push you to open a card. that 15% off is tempting, but it can ding your credit. finally, cash in unwanted gift cards. some web sites will buy them for 9 90% of their value or more. many have them in their drawer. >> i want to know where i can return my lump of coal. >> you got a lump of coal again? >> it is good for the heat. "early start" continues right now.