In the United States, a bank may reserve the right to cash a check regardless of the date. Other countries may have their own laws on the matter. In India - a check cannot be cashed until the date mentioned on the check. If you have gotten a post dated check for let us say Jan 10 2011 (today being dec 29 2010) the bank cannot cash it until the 10th of Jan 2011.
In New Jersey, you can cash a post-dated check before the date written on it, but the bank is not legally obligated to honor it until that date arrives. If you attempt to cash it early, the bank may choose to process it or reject it based on their policies. It's generally advisable to wait until the date specified on the check to avoid potential issues. Always check with your bank for their specific practices regarding post-dated checks.
The penalty depends on the duration of your CD and how early you cashed it. For example a year CD taken early might cost you 30 to 90 days of interest, longer terms will take more.
Check the policy itself. If you have a whole life, or some UL, policy some of them accumulate cash value which you can cash in. Call your company and get an illustration of what the values are and will be over time. Generally, Term life is a better deal for your needs, though not always.
Endowment Policies can be cashed out early for a fee that varies from company to company. Endowment policies are a form of life insurance that is paid in lump sum form.
No.
Yes to question one. If you agreed to pay anyone for something, be it a purchase, loan, rent, etc, then you must uphold your end of the bargain. If you stop payment then you are not upholding your end of the "contract" and may be sued for the loss to the payee (who the check is made out to) plus what it costs them to take you to court. There are very narrow limits on when you may stop payment and not be responsible. These mostly involve fraud to obtain the check in the first place. Probably not to question two. If you wrote a post-dated check and they cashed it early, then your bank will probably accept the check. If you can't cover the check you will be hit with overdraft charges. Your bank may accept a post-dated check. BUT, it is illegal to present a post-dated check before it's effective date. In this case you may ask the payee to pay your overdraft charges. Looking at the two questions together, you may refuse the payment of a premature presentment of a check by telling your bank in writing ahead of time. The payee though may re-submit the check after it becomes due and then you are responsible. Because presenting a post-dated check early might be considered fraud, you might take them to small claims court and ask for treble damages caused by the overdraft.
In the United States, a bank may reserve the right to cash a check regardless of the date. Other countries may have their own laws on the matter. In India - a check cannot be cashed until the date mentioned on the check. If you have gotten a post dated check for let us say Jan 10 2011 (today being dec 29 2010) the bank cannot cash it until the 10th of Jan 2011.
Post date a check means that you write a check on a day and mention the date of a future day in the check. i.e., let's say I give you a check today 22 January 2011 and write the check date as 15 February 2011. This is post dating a check. This means that you cannot cash the check until 15th February 2011 and until then the check is of no value. Post Dated checks are perfectly legal as long as the person who receives the check does not cash it before its due date. Please note: If you send a post dated check in to ,say your mortgage company!! They are NOT going to look at the date! They will send it on to the bank, If it is early..... it will be sent back as non sufficient. This can cause a lot of issues. None of this is answering the question as to what is the law!! I WILL be learning this today and will answer here again.
In New Jersey, you can cash a post-dated check before the date written on it, but the bank is not legally obligated to honor it until that date arrives. If you attempt to cash it early, the bank may choose to process it or reject it based on their policies. It's generally advisable to wait until the date specified on the check to avoid potential issues. Always check with your bank for their specific practices regarding post-dated checks.
In early 2008 Joe dated Taylor.
Excersize! It's the best thing as it loosens your muscels
The penalty depends on the duration of your CD and how early you cashed it. For example a year CD taken early might cost you 30 to 90 days of interest, longer terms will take more.
Yes, it is possible to arrange an early check-in for your stay to accommodate your request for an early check-in.
Yes, you can check out early from the hotel.
yes,garlic has ayurvedic properties to lower cholesterol levels and check diabetes. you can take 2 capsules in a day ,one early in the morning with a glass of water and another before going to bed. it is a natural remedy to check cholesterol levels.
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