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LizzyBee

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Posts posted by LizzyBee

  1. I called the police, they said to call the bank and the bank said they had never heard it was an offense to cancel a check.

     

    I have not found bankers to be well versed in banking law unless they were one of the "higher-ups." One time a client's check went through with no signature on it, and I went to the bank to request they deposit the money back into the account. The girl responded that they don't check signatures. Well, that's fine, they don't have to, but they do have to cover the check if they pay a check that's not signed or otherwise not legal tender.

     

    Anyway, here's a link to Florida's bad check law, as an example.

    http://www.miami-criminal-lawyer.net/html/worthless-check.html

     

    When I lived in MD, a client wrote a check for $280 to my firm and then stopped payment. She had no complaints about the service, just didn't want to pay for it. The police told us that if the check was $300 or more, we could press charges.

     

    I do think you did the right thing to stop payment on the check (as I said in a previous post), but I just wanted to let you where I was coming from in my first post when I said that you should have "cause" before doing so.

  2. http://www.ftc.gov/bcp/edu/pubs/consumer/products/pro03.pdf

     

    Here is something that might help. The 3 day cooling off rule is mandated by federal law, not state law. If they didn't provide a valid phone number for you to call to cancel your sale (and it appears they didn't), I think you are absolutely within your rights to put a stop payment on the check. If the bank is still open, I'd do it now and not wait until tomorrow. As someone else said, they're probably already at their bank depositing the check!

     

    Here's another link:

    http://consumer-law.lawyers.com/consumer-fraud/Consumer-Law--Consumer-Purchases-FAQ.html#four

  3. http://www.ftc.gov/bcp/edu/pubs/consumer/products/pro03.pdf

     

    Here is something that might help. The 3 day cooling off rule is mandated by federal law, not state law. If they didn't provide a valid phone number for you to call to cancel your sale (and it appears they didn't), I think you are absolutely within your rights to put a stop payment on the check. If the bank is still open, I'd do it now and not wait until tomorrow. As someone else said, they're probably already at their bank depositing the check!

  4. This is the reason that "front to play" was added to the campaign. Back to sleep, front to play.

     

    I put all 3 of my kids on their tummies, too. One of my oldest sister's colleagues went to Australia to participate in the study that was used to kick-start the campaign. She left the study before it was over because (she says) it was so flawed that the results were not valid.

     

    At the same time the Back to Sleep campaign started, it was also publicized that sheets on baby beds should fit tightly, excess blankets should not be used, babies should not be laid on soft surfaces that they "sink" into, etc. The theory was that the wrinkles in loose sheets and blankets could collect gases so that the air the baby was breathing did not have enough oxygen. Because of this, I'm not sure that the decrease in SIDS can be attributed to the change in sleeping position alone.

  5. I don't know if this applies everywhere, but in the states where I've lived, you have 3 days to cancel any sale that occurs in your home.

     

    I would make sure you have a legally valid reason to stop payment on the check (the 3 day grace period applies, the company has a money-back guarantee, or whatever), because stopping payment on a check over $300 without cause is a criminal offense in some states.

  6. and reading and talking and changing our minds and studying and planning and thinking...we have decided to get a dairy cow instead of dairy goats.

     

    Tonight we are going for our first appointment to look at some. This man has three for us to choose from. They are all three bred, and one is a jersey, two are gurnseys (did I spell that right?)

     

    He is a friend of a friend, and so we feel pretty confident that he is honest, but I still really don't know what I am looking for exactly. Any words of advice before we go?

     

    I know the udder needs to be well supported and not low. ;)

     

    I'm scared to death but also so excited!

     

    I grew up on a beef farm, but we always kept a milk cow. We had a Guernsey named Beauty when I was younger and a Jersey after she died. We loved them both. I think Jerseys generally tend to give more milk than Guernseys, but both breeds are very gentle. I haven't lived on a farm since I was 17, so I have no real advice, but I enjoy reminiscing. :001_smile:

  7. I guess my question is how do you know you would be able to sell it before the arm went up?? After seeing my own parents growing up and more people than I can count now getting stuck with houses they cannot sell, I would want something I could afford permenantly. Does that make sense? Even though we knew my dh would finish residency and we would move in 3 years, we still did a traditional mortgage that we knew we could always pay... Does that make any sense? I was scared that yes...we have the 3 percent now but what happens if we are stuck with it in 6 years and it is now 15 percent!!! I would rather just play the flat 5 percent.

    Christine

     

    Well, we live in an area where the economy is strong and the real estate market is just now beginning to flatten somewhat. Houses in our price range are still selling well. I also work in a profession that has a severe shortage, so I have more job security than a lot of people. But if interest rates start going up and the real estate market in our area begins to show signs of tanking, we would refinance to a 20 or 30 year mortgage before the rates get very high. I'd never tell someone they should choose an ARM over a permanent rate if they weren't comfortable with that. My original point when I started posting in this thread was that in some circumstances, ARMs can be a good choice.

  8. This is from 1998. Do you know where we can find an updated one?

     

    Oops, I saw that the site was updated in February 2008 and assumed the information was current. Here is another link with more recent data. According to this link, debt owed to foreign sources was 27.5% as of 2006.

     

    http://useconomy.about.com/od/fiscalpolicy/p/US_Debt.htm

     

    And here's another source of info about public debt (an official govt site). This site includes the address for sending contributions to reduce the public debt. Just thought I'd point that out, since several posters said they'd like to see the debt paid down rather than receiving stimulus payments from the govt. So if you want to send your payment back to the govt for debt reduction, check out this site. :patriot:

     

    http://www.treasurydirect.gov/govt/resources/faq/faq_publicdebt.htm#DebtFinance

  9. Too much of a risk for me. I would never ever do it. To each his own though.

     

    You know what's ironic about this comment being made about my post? I am so NOT a risk-taker. I am a security-seeker through and through. But since we only plan to live here 2-3 more years, I don't really consider an ARM risky. And worst-case scenario? If interest rates start to go up drastically AND we start thinking we might stay here longer, we refinance to lock into a permanent rate.

  10. Erie Insurance Group

     

    I hope we never move to a state where they're not available, because they are wonderful. Before Erie, I had Nationwide and then Allstate. Nationwide's rates went up every six months, and the service was horrible when I had a claim. I didn't have any complaints about Allstate, but I switched to Erie because I'd heard good things about them and they were cheaper. I've now been with Erie for more than 15 years. We've had several claims on our auto policy and one on homeowners. The service is outstanding, and our rates are still about the same as we were paying 15 years ago. They don't increase rates until your 2nd at-fault claim (we've had none).

     

    Most recently, we got hit by a teenager who ran a red light and our car was totaled. The girl claimed to have a green light and none of the witnesses stuck around, so our insurance company paid for our damages and her insurance company paid for her damages. We didn't know it until after the wreck, but we had replacement value coverage. So even though our car was 6 years old, we got a check equal to the price of a brand new car, including the tax and reg. fees. In contrast, most of our friends who have totaled their cars had to argue and negotiate with their insurance companies to get what their cars were worth.

  11. I don't get it about the ARMs, though. I'm not being critical of anyone who has one, but when we were purchasing our current home, we didn't even consider an ARM because the thought was just too scary to me.

     

    In spite of the uncertainty, there are valid reasons for using ARMs. We have a five-year ARM because we are reasonably sure that our current home is not our forever home. My dh is a student, and when we bought our house, there was a reasonable probability that he would graduate and we'd be moving in 5-6 years. The low interest rate allowed us to build equity more quickly, which is important when you know your house might not appreciate very much in the time frame that you plan to own it.

     

    As it happened, my dh was sick and took a few semesters off from school, so he has not graduated yet, and our ARM is about to expire. But a lot of things are still in our favor: interest rates are even lower now than five years ago; and between paying down our mortgage and our home's appreciation, we probably have 20% equity even though we financed 100% of the purchase price. I have talked to one of the partners at my job, a CPA who does a lot of financial and estate planning and is really smart about these things. His suggestion is that we refinance with another five year ARM, which is probably what we'll do. It's a calculated risk, but for us, it makes sense.

  12. Out country is in a massive amount of debt...in the trillions, I think. To whom do we owe this money? Other countries?? At what point do the loans get called? Like I said, I never took economics. Last year the children and I read Whatever Happened to Penny Candy and that only confused me more...

     

    Christine

     

    Here is a link with a pie chart that shows to whom the money is owed. I was surprised to see that less than 25% of the total debt is owed to foreign sources.

     

    http://www.brillig.com/debt_clock/faq.html

  13. Its my understanding that most women who are under the impression that they don't produce enough milk actually DO produce enough milk they are just either not sticking with breastfeeding/pumping long enough before giving up, or in some cases they have physical obstacles such as inverted nipples, etc.

     

    Were you responding to my post? I breastfed my babies for a year, so I think I gave it adequate time. :D I pumped for the first one for about a month 5 days a week with a cheap pump, and I had a very hard time pumping enough to keep up with demand. I finally switched to formula to supplement, but still nursed when I was home. With my 2nd baby, I had a hospital grade pump and it worked better, but I still couldn't pump enough to get ahead. With #3, I had a Medela Pump in Style, and it worked so much better than either of the first two. I still didn't have an overwhelming amount of milk, but I was able to get a little ahead of demand and have some milk stored in the freezer, plus I stuck with pumping quite a bit longer than I did for the first two.

     

    Regardless of what drs say, I do think there are individual differences among women. My sister was on my side of town one day when I lived in Baltimore, and she stopped at my house to pump. She filled 2 8-oz bottles in about 60 seconds flat. I never filled an 8 oz bottle from one side, and it took me about 10 minutes to fill 2 4-oz bottles.

     

    My point to the OP was that for me, having a good pump made a tremendous difference. The quantity was definitely improved and I experienced much less frustration.

  14. I had a hard time producing enough milk to pump. I was most successful with the Medela Pump in Style. The others I tried were a waste of time and effort. From my experience, I think the key factor is not how often you need to pump, but whether you naturally produce lots of milk. I have one sister who could have used any old pump, but for me, my choices were to either have a very good pump or use formula when dds needed to have a bottle.

  15. But at what point do the CEO's give up their million dollar salaries?

     

    Very good question! The ironic thing about failing businesses is that the closer to the brink they get, the more they pay for executive salaries and professional fees, because they need the best of the best to pull them back into financial health. Sometimes it pays off, sometimes it doesn't. One company that I worked on after it went from Chapter 11 (reorganization) to Chapter 7 (liquidation) bankruptcy was paying some of its chapter 11 professionals $450 an hour!!! This was a company (an airline) that had gotten some public funds to keep it in business after 9/11. But the management had made a lot of poor decisions, and pouring in more money was a wasted effort. All those employees ended up unemployed anyway.

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