Feature Articles: Miscellaneous
The Check Clearing for the 21st Century Act, also known simply as Check 21, became a law in October 2003. The aim of the law was to increase the “efficiency of the nation’s payments system.” In the past, most checks had to be physically delivered to a bank before they could be cleared. Because some checks had to be routed to various places across the country, this process was expensive and time consuming. Using a digital image of the original, banks now can reproduce your check. The reproduction is called a “substitute check.” ...more
Gift Cards…..the Perfect Present?
Finding the perfect gift for that special someone on your list can be a daunting task. Will they like it? Will it fit? What to do? If this sounds familiar, you may be heading down the path that leads to the “gift card” solution...more
Learning for Better Living Series--pdf
available in English & Spanish.
Contracts are part of everyday
life. Almost anything you buy, sell, borrow, loan, rent, repair or trade
involves a contract...more
Part of the Learning for Better Living
Series--pdf available in English & Spanish
Every year, consumers around the country lose millions of
dollars to fraud. Con artists use all kinds of tricks to get their trust
and money! Elderly people are their favorite targets. But anybody can be
a victim of fraud...more
Part of the
Learning for Better Living Series--pdf available in English & Spanish
A layaway plan is an easy way to buy
something when your cash is running low or you don’t want to use credit.
When you buy something on layaway, the seller agrees to put your
purchase aside and keep it for you until you pay for it in full...more
Part of the Learning for Better Living
Series--pdf available in English and Spanish
Buying by mail is an easy way for some people to shop. It saves
time and energy, and sometimes money. But there are times when buying by
mail does not make the buyer happy...more
Care package tips for loved ones overseas
When family members are separated, care packages and cards can be a reminder that others are thinking of them. This article gives some packing and mailing tips and ideas of what to send.
Learning for
Better Living Series--pdf available in English and Spanish
Buying a car takes time and work. It
helps to know what kind of car you need or want and how much you can
spend. Remember: If the price of the car is high, the expenses
associated with it are higher, such as insurance and repairs...more
Learning for Better Living Series--pdf available in English and
Spanish
We all have the same amount of
time. As family schedules get busier, it is important to learn to
use our time wisely...more
Learning for Better Living Series--pdf
available in English & Spanish
Before you make a big buy, you
should read the warranty. A warranty is a promise, from the company
that made the item or the seller, to stand behind the product.
Federal law says that you must be allowed to read the warranty
before you buy the item...more
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Last update: Tuesday, May 05, 2009
