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Free standard shipping on orders over $99
Estimated to be delivered on 6-12 Days.
At Lumaryon Universal, customer satisfaction is our priority. If you are not completely satisfied with your purchase, you may request a return within the eligible return period as outlined on our website. Items must be returned in their original condition, unused, and in original packaging to qualify for a refund.
Once your return is received and inspected, we will notify you of the approval or rejection of your refund. Approved refunds will be processed to the original method of payment within a reasonable timeframe. Shipping fees are non-refundable unless the return is due to a defective product or an error on our part.
Customers are responsible for return shipping costs unless otherwise stated. Please note that certain items may be non-returnable due to hygiene, safety, or clearance reasons, which will be clearly communicated at the time of purchase. We recommend contacting our support team before returning any item to ensure a smooth and efficient return process.
by Toni R. Harris (Author)
All of our lives, we have been taught that owning a home was part of the American dream. Recently, millions of people have found that home ownership can turn into a nightmare.Many home owners have found themselves "house poor" as a result of upside down mortgages, unexpected maintenance expenses, and taxes. Sometimes having the dream and not counting the cost of home ownership will bankrupt you, fi nancially, physically, and emotionally. Toni Harris takes an honest look on how owning a home became a prerequisite for success in America; how in this present day economy you may want to look at your options before you dive into a 30-year mortgage and how renting may be a more cost effective means for you in the 21st century. Topics covered in the book include: - Toni's Personal Home Ownership Nightmare - The History of Home Ownership - The Psychology of Home Ownership - The Real Cost of Home Ownership - Understanding Mortgages - Viable Solutions for Today's Potential Home Owner "An American Nightmare, The Pitfalls of Home Ownership is a must read for anyone who either wants to own a home or owns a home and desires to see the full potential of their investment; fi nancially, physically, and emotionally. Toni Harris presents a refreshingly new approach to the largest purchase many people will make in their lifetime, the purchase of their home. Having promoted THE SECRET - Chicken Soup - Mars and Venus - NO Matter What - Rich Dad Poor Dad - Pitfalls carries my highest endorsement for anyone who owns and wishes to own a home - A MUST READ!" BJ Dohrmann - founder www.ceospaceinternational.com - radio show host - author - movie producer
At Lumaryon Universal, we are committed to providing a smooth and reliable shipping experience for every customer. All orders are carefully processed within 1–3 business days, excluding weekends and and public holidays.
Once dispatched, orders are shipped using trusted carriers, with an estimated delivery timeframe of 6–12 business days, depending on your location and carrier conditions. Customers will receive a shipping confirmation email with tracking information as soon as their order is shipped, allowing them to monitor delivery progress.
While we strive to meet estimated delivery times, occasional delays may occur due to factors beyond our control, such as weather conditions or carrier disruptions. Our team remains available to assist with any shipping or delivery inquiries to ensure a secure and hassle-free shopping experience.
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