Have you heard all the hub bub about the rate of merchandise returns this year at retailers?  According to a few articles I’ve read, holiday spending is at the highest level since the recession began.  But so are the returns. I’ve heard some morning show radio banter about this recently as well.  Callers have said they went to Black Friday sales and got caught up in the frenzy of the sales.  They saw people grabbing at things and a sort of mob mentality took over.  All those people want it, it must be a great deal!  And of course retails want you to … Keep on reading —->