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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 Curtis Hill (Author)
Poor No More: Wealth Is Within Reach by Curtis Hill is a book that shows how to transform the life we have into the life we deserve. In a market glutted with personal financial guides, author Hill brings a clear voice and a truly profound approach to building personal wealth. Poor No More: Wealth Is Within Reach brings together the best ideas in personal finance, budgeting, planning, credit control, debt reduction, mortgage refinancing, and wealth building principles to create a new and innovative approach to gaining personal financial freedom. We all make daily decisions about out money. Unfortunately, over time, our personal financial decision process has become influenced by external sources, like: advertisers, marketers, and slick salespeople. We no longer make financial decisions based on our own monetary interests; instead, we are guided by the hidden agendas of toxic financial influences. To prosper and grow our financial lives, we must learn how to identify these external influences and replace them with new concepts, ideas, and attitudes; in short, rebuild our money decision making process to be more in tune with our personal needs and not those of advertisers and slick sales campaigns. Poor No More: Wealth Is Within Reach is the money book for the rest of us.
Mr. Hill holds two bachelor's degrees from North Carolina State University plus a master degree from Southern Methodist University. Mr. Hill had been a successful businessman and manger for fifteen years before becoming a financial advisor. He worked at three major brokerage firms beginning with Morgan Stanley in 1994, where he obtained the title of Senior Vice President, and earned his Certified Financial Planner(tm) credential. Mr. Hill's career is all about helping people achieve financial serenity. During his practice, Mr. Hill has been very observant of what made some people successful and others not. In this book he summarizes his observations and identifies financial pitfalls as well as behaviors that lead to wealth.
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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