Thursday, August 22, 2019

CANADA Opens Application Portal For 1.4 Million Immigration Entry Level VISA Applications. APPLY NOW for VISA, Scholarships and Jobs

Would you like to Migrate, Study, Live, or Work in Canada? Here you will see a total guide on how to apply for the newly approved 1.2 Million Immigration Entry Level Canada VISA Applications FREE OF CHARGE.



Free Online Canadian Immigration Assessment

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This free online appraisal, similar to all structures on this website, requests that you provide personally identifying information

Please ensure you provide all requested details to ensure an accurate assessment

Canada's goal of surrendering more than a million new unchanging occupants before the completion of 2021 is expanding new thought all around.

Canada's goal of surrendering more than a million new unchanging occupants before the completion of 2021 is expanding new thought all around.

Late reports by the BBC, CNN and others have featured how the three-year target is isolating Canada on the worldwide stage. As CNN detailed, “Canada’s benevolent position towards new inhabitants comes the same number of other Western countries, including the United States, are receiving increasingly prohibitive movement strategies.”

A New York Times supposition piece took it further, contending the U.S. should seek after Canada's point of reference and growing movement for its "fiscal prosperity."

This method of reasoning lies at the core of Canada’s drive to raise its development levels. In his area of expertise’s yearly report to Parliament the past fall, Canada’s Minister of Immigration, Refugees and Citizenship, Ahmed Hussen, expressed, “developing migration levels, particularly in the Economic Class, will empower us to continue our work power, bolster financial development and goad advancement.”

Under Canada’s most recent three-year relocation levels plan, all out movement is relied upon to achieve 350,000 new perpetual inhabitants in the year 2021. This speaks to a migration dimension of about one percent of Canada’s populace, which the Conference Board of Canada says must be come to by 2030 to guarantee humble populace and monetary development.

APPLY FOR WORK VISA
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Working in Canada is extraordinary approach to gain Canadian experience, which can help open a lot of doors for you to stay here permanently. Programs like the Canadian Experience Class and many provincial nominee categories require experience in Canada. If you are not eligible to apply under typical categories like the Federal Skilled Worker program for example, then consider the fact that working in Canada could be your ticket to Canadian Permanent Residence.

Step by step instructions to Apply:

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Interested applicants should Apply Now to start and submit application online. All application must be online.

Multi Skilled Worker (Housekeeper/Server) - Shannon Oaks Vancouver Canada. Apply Now

Introduction



We are searching for a solid multi talented specialist (Housekeeper/Server) to join our group of experts. We are a pioneer in the business, and we are searching for people who have an enthusiasm for the elder and offering back to join our group.

We right now have easygoing positions accessible at in Vancouver, BC

What your day will look like:

  • Set tables and serve food and refreshments in accordance with established policies and procedures, and all applicable regulations.

  • Operate and clean food service hardware and furniture. Watch all approaches and methodology, work benchmarks and security guidelines.

  • Provides housekeeping administrations in the residents care rooms and basic territories in accordance with the established work routines.

  • Completes terminal picks up of resident's rooms.

  • Guarantees residents are furnished with a safe living condition.

  • Interacts with occupants and families while completing their ordinary obligations.

  • Performs other related duties as assigned


What we need from you:
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  • Grade 12 education

  • Food Safe Level 1 Certificate

  • Institutional cleaning knowledge

  • Strong communication skills in English


What we offer:

  • Great location

  • Regular hours, so you can be at home with your family

  • Incredible workplace

  • Chance to be innovative

  • Competitive wages that are better than most restaurants

  • Opportunity for full time hours

  • Opportunity for positions with advantages

  • Working in a caring community

  • Access to wellbeing and health programs


Our Values

Respectability: We are each personally accountable for the highest standards of behavior, including honesty and fairness in all parts of our work.

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Quality: We convey well beyond brilliance, strive for continuous improvement and react adequately to change.

Job Types: Casual, Permanent
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Wednesday, August 21, 2019

Grant for Scholarly Achievement in the Area of Gender-Based Violence is granted to International students who are willing to experience a degree program at University Of Toronto – Canada

 

This award is created to recognize students who have made particular commitments in the region of gender-based violence research and prevention.



Application Deadline: September 20, 2019

Eligible Countries: Canadian and international

Type: Undergraduate and Graduate degree program

Eligibility: To be qualified, candidates must;

  • Be International or Canadian Students

  • Have maintained a cumulative average of at least A- and must have to complete a minimum of 10 credits.

  • A high level of English language proficiency.

  • Be enrolled in a graduate/undergraduate program at the University of Toronto; full-time, part-time and/or flex-time registered students


How To Apply

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Visit The Official Website For More Information

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Entrance Scholarships At University of Windsor – Canada 2019

The University of Windsor – Canada is offering the Entrance Scholarships to Outstanding Individuals who are keen on seeking after a degree program at the Institution.



The educational award will give masters in a thesis or significant stream an amount of $7,500 for one year and in a non- thesis or non-real paper stream award of $3,750 for one year. It will likewise give a grant of $7,500 to PhD participants.

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The objective of this educational award is to help both the Canadian and Foreign participants so as to pursue a masters or a PhD degree program at the University of Windsor.

Application Deadline: September 1, 2019

Qualified Countries: International

Type: Masters and PhD

Estimation Of Awards: $7,500

Number of Awards: Not known

Qualification:
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  • Candidates must be a full-time participants and not apply for MActSc, MAC, MEd(International cohort), MAEP, MEng, MM, MMB, MSW for Working Professionals program.

  • Candidates must have completed their Bachelor degree program

  • Candidates ought to have good proficiency in the English Language


The most effective method to Apply:

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Outstanding candidates who enroll in a master’s or a PhD degree program at the University of Windsor will automatically be considered for the grant, no formal application is required.

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10 Telenovela Costars Who Met on Set and Became Real Life Couples

Their job is all about the drama, falling in love which come with an intense display of passion and often times they have this strong chemistry between them which can be easy to get caught up in the romance of it all.


Below is a list of 10 telemundo co-stars who met on set but carry it on offset.



1. Carolina Miranda and Michel Duval








The couple met on the set of Señora Acero., Where they played siblings, but on the set a romance sparked off. They dated from October 2016 to February 2019






2. Gabriel Porras and Sonya Smith






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Gabriel Porras and Sonya Smith met on set of Olvidarte Jamas. These lovely couples dated in the year 2007 for 1 year and later got married on the 29th February 2008, 5 years after they got divorced.







3. Ximena Duque and Carlos Ponce






They dated for 6 years, lived 3 years together before calling it quits. The reason the actress left the actor was shared and quoted " As a woman and as a mother and as a christian i should have never left my house without getting married first." The actress really would have loved to walk down the isle with Ponce but dating him for 5 years without asking her to marry him she had to move on and she is now happily married , of course not to Ponce.






4. Gaby Espino and Jencarlos Canela








On the set of "Más Sabe el Diablo." these lovely couple met and fell in love. On February 12,2012 they welcomed a baby boy "Nickolas Canela Espino". Then on August 2014, they announced their breakup through a joint statement.








5. Christian Bach and Humberto Zurita.










In 1986 Christian Bach co-starred with Humberto Zurita in De pura sangre, the actor met and fell in love and in the same year they got married. Ten years later and after a string of successful productions with Televisa the Zurita-Bach couple decided to form their own production company. They have two children, Sebastian and Emiliano.










6. Blanca Soto and Fernando Colunga










They met and fell in love on the set of Porque el Amor Manda., after sharing time together on screen they started dating. They dated for a few years before calling it quits.













7. Miguel Varoni and Catherine Siachoque








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It was love at first sight for Miguel and Catherine when they met on set of the soap opera "Las Juanas, they have been married for over 18 years and still very much inseparable.









8. Sebastian Caicedo and Carmen Villalobos







They met on set of "Nadie es Eterno en el Mundo" in 2007, where they starred as a couple in the series. They met again at the "Sin senos no hay paraiso" farewell party, where Sebastian asked her out and their relationship kicked off from their and till date they are still very much together.












9. Gabriel Soto and Geraldine Bazan




They met on the novela Bajo las Riendas del Armor. After eight good years together, they decided to tie the knot in 2016. They are blessed with two daughters.





10. Angelique Boyer and Sebastian Rulli






The duo met on set of the popular "Teresa," which starred Rulli as Authur and Boyer as Teresa. And they were so proud to be together and confirmed it way back in September 2015





Award for Scholarly Achievement At University Of Toronto – Canada 2019










Award for Scholarly Achievement in the Area of Gender-Based Violence is awarded to International students who are willing to undergo a degree program at University Of Toronto – Canada


 



This award is created to recognize students who have made distinctive contributions in the area of gender-based violence research and prevention.

Application Deadline: September 20, 2019

Eligible Countries: Canadian and international



Type: Undergraduate and Graduate degree program
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Eligibility: To be eligible, applicants must;

  • Be International or Canadian Students

  • have maintained a cumulative average of at least A-’ and must have to complete a minimum of 10 credits.

  • a high level of English language proficiency.

  • be registered in a graduate/undergraduate program at the University of Toronto; full-time, part-time and/or flex-time registered students




Also Apply:  Sydney Scholars Program At University Of Sydney – Australia 2019






Monday, August 19, 2019

My Super Kids >> The Power of A Common Mom


How to Write Checks

The first check I received from online business was a check from the US, worth USD29.53. The check has arrived at our old home address in Lutong (the time has moved to Pujut). Look at the open cover and there is a human being where the highlighter is on a small check value that causes it to be kicked.

Then I lost it and until now I did not see the check. Rugiii !!!! USD29 lot tuuu huhuhu.

After that I was careful with the address, if I moved home, would change the address quickly. Before cash out earnings from anywhere, it is double triple check before the address.

Now I have a check book. Starting to check the check did not know how to check the check. Until Abiy write for example. For the first 2-3 checks I did a LOL example.

How to write a happy check aje. Enter basic items of the amount, signature and write the account balance.

How to write the correct check;

1. Make sure the checkbook is yours
2. Write the exact number of words and put the word ONLY at the end of the sentence.
3. Make sure the digit is written tally with the word written.
4. Sign at the point of directing.
5. Tear with your heart and hand it over to them.

DO NOT DO when writing a check:

1. Cut on spelling mistakes. use new sheets, do not waste any sense of waste.
2. Sign in to use another style.
3. Leave the unread sheet & already signed in the check book. Torn and shredded only.

Make sure there is money in the account and do not give anyone check kicks yes!

If you're not sure, ask anyone to verify it.

To write on the check that we have our name (check people give us) is happy again. Look behind the check there are squares for the contents of the bank account number and the name of the letter. Fill in the blank and put the jeep into the check deposit machine. Be sure to write the correct account number. Do not forget to pick up and save the receipt.

Saturday, August 17, 2019

Get to know the types of checks and how they are used


Check ( check ) is a letter or document (document) that contains unconditional orders from bank customers so that the bank pays a sum of money stated on the letter to the person or carrier. Thus, checks are one of the securities that have a function as a medium of exchange such as money. To make a check, the customer must first open a checking account with the bank concerned.

The legal basis for regulating checks is regulated in Articles 178 to 229 of the Commercial Code. In addition, there are additional explanations contained in the Circular of Bank Indonesia. In Article 178 of the Commercial Code, where a check must meet the formal requirements as follows.


1. The name 'Check' must be contained in the text.

2. Unconditional orders to pay a certain amount of money.

3. Name of the party who must pay (interested).

4. Appointment of the place where payment must be made.

5. Statement of date and place of check drawn.

6. Sign the person who issued the check (withdrawal).

Check Types

Check on behalf of
Is a check issued on behalf of a person or certain legal entity written clearly in the check. For example if in a written check the order pays to: Pay a total of IDR 4,000,000 or pay to PT. Marindo has a total of Rp.2,000,000, so this check is called a check on behalf, but with a note the word "or carrier" behind the name ordered is crossed out.

Top Check Performance
Show checks are the opposite of checks on behalf of. In a check on the performance, there is no written name of a person or legal entity so anyone can exchange checks or in other words checks can be cashed by the checker.

Cross Check
Cross check or cross check is a check in the upper left corner given two crosses. This check is intentionally crossed, so that the check function that was originally cash changed to non-cash or as a transfer.

Reverse Check
Is a check that is dated back from the current date, for example Mr. Budiman received a check on the May 10, 2006 tag, but in the check it was written on May 15, 2006. It means Mr. Budiman can only withdraw the check according to the date stated in the check. This type of check is called a backward check or a check that has not yet matured, this usually occurs because there is an agreement between the giver of the check and the recipient of the check, for example because it does not have funds at that time.

Blank check
Blank checks or blank checks are checks whose funds are not available in the checking account. For example, Mr. Rahman Hakim drew a check worth Rp60 million written in the check, but the funds available in the checking account only had 50 million rupiah. This means a lack of funds of 10 million rupiah, if the customer withdraws. So clearly the check is less in number compared to the amount of funds available.

In the business world, the use of checks as a means of payment is very common. Usually, check payments are carried out by the client or business partner for the sale of company products on credit, which means that they will indirectly be included in the cash receipt account statement from the accounts receivable or vice versa, the use of checks as a company payment tool to business partners that will be recorded in cash expenditure journal account.

In the use of checks as a payment instrument in this business field, the bank will be an outsider who will be involved in recording the transaction. Because of this involvement, the company requires data reconciliation for the bank.

The online accounting software journal , provides a simple and practical way for companies that want to reconcile and get reports on all financial data related to the bank through its cash link feature . Journals are also connected to several banks directly, so that they can receive data on recording transactions from the bank with the company's approval without having to wait for reports.

How to Write A Check in 6 Easy Steps


There are several reasons why you need to write a check. For example, some businesses will give you a discount for writing checks instead of swiping cards. This is because they will save money by not having to pay processing fees.
So if you are going to fill out a check, make sure you do it the right way is the key if you don't want to have complexity. To help you with this, here are six simple steps on how to write a check correctly.
6 Steps to Writing Checks
First, note that there is a numbered field in the check. Throughout this tutorial, we will talk about each number field and its purpose so you can use the right check format.


1. Check the date in the upper right corner
Each date format is acceptable. For example, April 1, 2017, 4/1/17 , or other formats. However, consistency is key because it helps you to more easily recognize checks that might have been stolen from your account. For example, if you always check your check in this format: April 1, 2017 , fake checks will be easily identified if the date of the check is written in a different format.


2. Add the person you paid in the "Pay in order" column
This is where you write to whom the check is paid. In the case of this tutorial there will be a Target . It is important to write neatly when filling out your check and include your first and last name or the entire name of the recipient's business (the person or business to whom the check is being written).


3. Write down the amount you want to pay in numbers
Again, it's important to be neat and right here. Make a clear difference between dollars and cents with a decimal point or by underlining the number of cents to avoid confusion about the specified amount. This confirms the amount in written form so there is no confusion about how much to pay. So in this example, it will be $ 20.21 .


4. Write down the number of dollars using words
Neatness is also calculated here because the bank will, at times, double-check the written amount if they cannot read the numbers in the number box. Write the dollar amount from the check clearly as shown in the box below. For example this check, it will be twenty dollars and 21/100 .


5. Fill in the Memo field in the lower left
People don't often use memo lines when writing checks, but that can be important when dealing with potential payment disputes. Every time you pay a bill, we recommend writing the account number in the memo line. Or, if the check is to pay rent, write "April 2017 rent" in the memo line.
Using a memo when writing a check helps secure your account and protects you from possible payment disputes. This can also be used to help track your expenses so you can find out how much money you spend in each budget area. In this example, Clothes will occur .


6. Sign the check in the lower right
This is probably the most important part of the check writing process. The company will not accept checks without a valid signature. Because everyone's signature is unique, your check signature has the ability to protect you from potential check-writing counterfeiters.
When writing a check, make sure to make your signature neat and written as you normally do with other formal documents. See your signature here in the box in the example below.


Your check will look similar to this when it's finished:


There are three additional information that you should know when it comes to the check format.
Routing number
This is specifically for your banking institution and is found at the bottom left of the check. This is also used when you provide information to your employer to receive direct deposits and arrange automatic payments.
Account number
This is quite clear, however, know that you can find this number directly to the right of your routing number.
Check number
Your checkbook is prepared in numerical order, so if you write a lot of checks over the years, it makes it easy to go back and confirm payment and 'check' the dispute.


Frequently Asked Questions
Can I Write a Check with a Pencil?
Just write a check with a pen, preferably blue or black ink. Even though you can write checks in pencil, anyone who has an eraser can erase all information to change the number of dollars and the recipient's name.
Why Will Someone Commemorate the Examination?
People will usually post-date checks when they know there are not enough funds currently in the account to close the check. They are waiting for the deposit to come in so the check will not bounce off.

They can also post-date checks because that's when the bill is due. You need to be careful because when writing a check because it is a legitimate payment instrument. Just because there is a date to come in check, that does not mean the bank will not withdraw it at an earlier date.

Why Are There Two Fields for Amounts on Checks?
Two fields are really clear how many checks should be. Writing down the number twice also helps eliminate fraud and the amount of wrong that is debited from someone's account.
Now that you know the basics of writing checks, you are ready when there are no other payment options like cash or automatic payments.

Can I write a check for myself for cash?
Yes, you can write a check for yourself to withdraw it. In the "Pay by order" field, you can write a check for yourself by writing your own name or by writing the word "Cash." You also have to sign the back of the check like you will deposit a check into your checking account.

For your own financial security, don't write to check on yourself until you are in the bank. If you accidentally lose a check, foreigners can potentially cash your check for the written dollar amount. You can also ask the tellers how they prefer you to handle the "Pay in order" field to avoid confusion too.

You can try this option if you have an account in several banks, don't want to pay ATM fees, or you have to withdraw more than the maximum daily ATM withdrawal amount.

Why Is It So Important to Write a Check Correctly?
If you write a check incorrectly, the storage bank may not accept the check. Many companies charge back check-fees of between $ 20 and $ 40-plus late fees that apply because they did not receive the correct payment on the due date. Simple mistakes can easily cost $ 40 if you don't catch it on time.

What is the Most Common Sign Writing Error?
We all made mistakes when writing checks and had to start over. Some of the most common mistakes include:
Write the wrong date or year (this usually happens in January)

Forgot to sign a check
The dollar amount field does not match
Depending on the error, it's usually easier to write a new check. If you don't have an extra blank check with you, you can attack one line through an error and write your initial next to it. After that, write down the correct information in the right field.

The storage bank can still refuse checks if it is difficult to distinguish correct information from errors.
How to Write a Voided Check?
Sometimes, you need to cancel the check if you write incorrectly or arrange a direct deposit with your employer, charity, or automatic monthly bill payment
Just as you write a check-in pen, use a pen to write "VOID" on the front of the check. Everyone does it a little differently, because you might prefer to write one word in giant letters or write words in each of the five fields.
If you write a blank check to schedule payments or automatic monthly deposits, you usually don't need to fill in one of the five fields. However, you might decide to write a brief note in the memo for your personal notes.
Does a Personal Check Check Certified?
Not. A personal check is one that you write with a pen. Certified checks - sometimes called official checks or cashier checks - are printed by your bank to verify that the check has enough funds.

You may need to use official checks for the following financial transactions:

Close home mortgage loans
Buy a car without a loan
Applying a Passport

If you have an online bank account, you can request an official check online or by telephone. For those who are local banks, visit your hometown branch, and they will immediately issue your printed check. With any option, you must have enough money in your account to issue certified checks. The bank immediately withdraws funds from your bank account. So, make sure you have enough cash to cover the number of checks plus your regular fees.

Summary
Writing a check might feel like "lost art", but it's still a very important skill to know. We don't pay for everything with plastic or digital wallets, and many businesses prefer cash checks for large purchases because they are safer. Now that you know how to write a check correctly, you don't need to worry about having to rewrite your check or be billed with a bad check-back fee.

Friday, August 16, 2019

Cash and clearing checks


What is the difference between cash and clearing checks?

The importance of checks has fallen sharply in Germany. Only a small minority still pays for it in the private customer business. In countries such as the United States or the United Kingdom, by contrast, check payments are still more widespread.

The vulnerability of the economy to paying employees by check was felt by the British economy in October 2009, when some 120,000 Royal Mail postal workers took part in a nationwide strike to support the CWU union on a daily basis. Because over 100 million unsorted letters remained after press reports in the camps. There were also many letters with salary checks in this huge stack.

Basically, a distinction must be made between the crossed check and the check. With a check, a payment obligation can be fulfilled without cash. It is important to ensure that the form is duly and completely completed. Checks may only be issued if the relevant bank account has sufficient credit or a corresponding disposition credit can be claimed.

If you issue a check and do not want this check to be paid out in cash, write the note "Only for clearing" across the front page. If you submit the check, you can only use such a crossed check to credit your account. Advantage: If an unauthorized person comes into possession of such a check, it is easy to determine on whose account the check was credited. The crossed check is therefore the usual form when sending a check by post.

Checks received must be submitted to the bank on a check submission form for collection. The bank confirms the receipt and the account credit "subject to receipt". The credit will be "conditional" because the bank account of the check issuer may not be covered or the check may be suspended. In such case, the credit will be reversed.

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* What the star means
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Our independent experts regularly examine products and service providers. Only if they then recommend a particularly consumer-friendly offer, can the corresponding provider set a link to this offer. Such links are marked with an asterisk

(*). We receive money if you click this link, for example, or conclude a contract with the provider. Whether and to what extent a provider reimburses us, has no influence on our recommendations. What our experts recommend depends solely on whether an offer is good for you as a consumer.

Thursday, August 15, 2019

Redeem and issue checks


With online banking, large ATM networks and credit cards, checks are less in use than they used to be. Anyone who still wants to issue a check or redeem, will find the necessary information here.

Checks are subject to the German Check Act (ScheckG). On them must be noted, among other things, the date of issue, the instruction to pay a certain amount of money and the credit institution of the exhibitor. In addition, the check must be signed by the exhibitor. The banks issue the forms required by law. These contain not only this information, but also the commercial components.


Redeem check only with form

If you want to redeem a check, you have to go to your bank with the appropriate check and a check deposit form and present the check there. Sometimes the ID card must be presented when redeeming. The check can also be sent by mail to the banks. This will be necessary especially for direct banks.

On the web pages of the direct banks you will find the check deposit form for download. However, the form is not needed at every bank. This should be checked before submitting the check, otherwise fees may apply for a non-form fee. The redemption of the checks is usually free of charge via the house bank. For foreign checks and traveler's checks but charges.

The bank posts the money within a few days to the account of the recipient. At this time but only with the remark "check entrance reserved". Here, the bank checks whether the account of the exhibitor is covered and the information on the check is correct. If this is not the case, the redeemer must repay the money to the bank. The blocking period between value date and availability depends on the respective bank and usually lasts between five and seven days. The actual deposit of foreign checks takes longer.

Check fraud and check barrier

If the settlement fails because the issuer does not have a covered account, this can be check fraud. That depends on whether the check was issued with the knowledge that there is not enough money in the account. However, the issuer may also suspend the check in order to prevent a withdrawal.

For example, the payout of a stolen personal check can be stopped. Such a check should always be requested when a check disappears. For this you need the check number of the lost check. Therefore, you should make a note of them before handing over each check. The lock may incur fees. It can also be temporary. If this is the case and there is still suspicion of abuse, the check should be blocked again.

Redeemers can enforce their claims with, among other things, a check reminder and a check process. If a check can not be cashed, the redeemers should ensure that the bank returns the check with the words "Not paid" to them. Because this protest is considered proof of procedure. If the check can not be cashed, the beneficiary must also inform the issuer within four days.

serving deadlines

Checks in Germany are subject to a notice period of eight days. For European checks, it is 20 days, for checks from other countries a deadline of 70 days applies. If the check is later submitted to a bank, the redeemer no longer has recourse claims. The credit institutions are only entitled to redeem the check, not obliged. The bourgeois-legal claims, so the main demand on the money, remain. But these too can become statute-barred.

Of course, not only can you redeem checks, you can also issue them. This requires a covered account and a check form. The banks send their customers the empty checks to fill in upon request.

Checks and crossed checks

Check is not the same as check. This way a cashier's check can be cashed. However, this is only possible with the issuing bank. If the check is redeemed at another bank, it will be credited to the creditor's bank account.

There is also the settlement check. It is marked, for example, by the remark "Only for clearing". This note can also be put on a personal check, so that this is the Verrechnscheck. This transformation can not be undone.

Redeeming a crossed check is only possible if the holder of the check has an account. Because the money is always credited to the account, the money is not paid in cash. This settlement may take a few days, depending on the bank.

Checks and crossed checks are so-called Inhaberschecks. This means that everyone can redeem these checks. The banks do not have to check permissions. However, the clearing check is considered safer. Here at least can be tracked on which account the money is received. With the check there is no trace back possible.

order checks

However, the crossed check can also be issued as an order check. Here, the exhibitor can name the person entitled to the check by name on the check. The check will be issued "With Order". As a result, the check can only be redeemed by this person. Both the issuer and the claimant must sign the check. Order checks can be recognized by the red line with the text "Order Check" on the right side of the check.

The credit institution must verify the eligibility of the redeemer and the chain of endorsement when passing on the order check. This is a full endorsement. Through the chain of endorsements you can see how often and to whom the check has been passed. Because with each passing on the next owner is noted. Each signature provider assumes liability for the check for the presentation period, if the issuer is insolvent.

There is also a blank industament. Here, no name is noted on the check, so the bank can redeem the check for each submitter. He is an owner paper. In the case of blank indentation, one can only recognize the exhibitor.

Tip: Redeem checks quickly

If you want to cash a check, you should always check what kind of check it is. Besides, he should not let too much time pass before redeeming him.

Wednesday, August 14, 2019

Issue a check: you must pay attention


Even though checks are no longer a common means of payment, they can still be used. What you should be aware of when issuing checks in order to comply with the formalities

Issue a check or crossed check - differences explained briefly
Checks are documents and according to the German check law tied to a form.
The certificate must have the word "check" and contain the name of the bank which is to be paid. This may only be a bank in which the issuer has a balance, ie an account. In addition, it must include an instruction to disburse a sum of money, the day and place of the check issuance and the signature of the check issuer.
Usually, the banks provide their customers with check forms that cover the mandatory formalities.
In addition, it is standard in these forms, in addition to a check number, the account details of the check issuer and the amount of money listed in numbers. If this differs from the advertised amount in words, the amount is in words.
As a rule, a distinction is made between personal check and personal check . Both are so-called bearer securities, in which the banks do not have to check the authorization of the check depositors.
A check is cashed in cash; but only at the issuing bank. The check depositor may also present the check to another bank. In that case, the amount will be credited to the check depositor's account.
The clearing check contains the note "Only for clearing". If the check holder wants to redeem this, this will only be done as a credit on his account. It is also possible to note on personal checks "Only for clearing" and thus convert the check into a bill of exchange.
If the check is to be issued to a specific person, you can have so-called order checks provided by your bank. These are on the right with a red box "order check". Check issuers and claimants must sign an order check.
In Germany, checks are subject to a notice period of eight days. The period begins after the day, which is noted as the date of issue. The bank is required to cash a check during the presentation period, if the check is covered - so there is sufficient credit on the account of the exhibitor.


You should pay attention to this when issuing checks
You may only issue a check if you have sufficient credit or discretionary credit to fulfill your payment obligation.
If the account knowingly does not have sufficient coverage, this can be considered as a check fraud and may entail further legal or economic consequences.
Fill in the check carefully and completely. Otherwise, the check is ineffective.
Enter the amount in the amount field so that it can not be changed. Additionally enter this amount in words in the corresponding text box.
Make a note of the check number. If a check is lost or stolen, it can ideally be blocked by the check number before it is paid out.
A redeemed check can not be tracked in case of doubt. Therefore, it is advisable to issue checks as a crossed check if possible. So you can check, if necessary, on whose account the credit was credited.
You make a check for a crossed check, if you write down on it handwritten "Only for clearing".
If you want to issue the check in the name of a specific person, have your check-in forms provided by your bank. Alternatively, on the check, note "With Order" and the name of the person.
Ask your bank if there are other individual features that you should consider when you want to issue a check.

Thursday, August 8, 2019

Guide to the filling and use of American cheques


In the United States, it is possible to use a check for paying rent, paying tuition, and paying back a friend. Then how to fill out the check, how to use it? Today, let's talk about some basic knowledge about American cheques.

1. Introduction to American Cheques
In the United States, personal checks are often associated with an individual checking account, which is a checking account. You can give money to others by writing a check to someone else. The other party can get this money by cashing the check. Of course, the money will be deducted from your checking account. Cheques are used in a wide range of applications, ranging from small shopping to shopping, to buying used cars, and by cheques.

Common checks are:

Personal Check: The account holder writes his own and deducts funds from his account.
Certified Check: Bank writing, redemption of funds from your own account
Cashier Check: Bank writing, redemption of funds from bank accounts
The latter two are generally relatively large amounts of transactions between individuals, which is equivalent to having the bank prove that there is sufficient funds in your account. When I bought a used car, I issued a certified check to the other party at the bank. The first type of personal check is the most common and used by everyone, so this article focuses on the use and filling of personal checks.

2. How to fill in a personal check
The required fields for a common personal check are as follows:

Date: Enter the date you wrote this check
Name of the other party: If you are giving a check to the individual, write the name of the other party. If you give a unit (such as a school), write the name of the other unit.
Amount (number): It is enough to fill in the Arabic numbers here, such as 100.51
The amount paid : written in English from the very beginning of the horizontal line. Format: The part above $1 is written in English words, then a horizontal line is added, and the part below $1 is continued to be written in percentage. For example, 100.51 is written as: One hundred and - 51/100. If there is no part below $1, the horizontal line is drawn to Dollars.
Memo: Write or not, usually write the reason for this payment, leave the other party or yourself (if there is copy)
Signature : Sign your name, you need to be the same as the owner of the checking account associated with this check.
Here is a check after completing the completed

Brutus-Buckeye-Check-1seayl8

The two sets of numbers you don't need to fill out below are the account number and routing number of your checking account.

3. How to cash the check
After someone else gives you a check, you'd better cash it out as soon as the check has a valid period. The usual ways to redeem checks are as follows:

Deposit it into your own account : you can go to the bank to deposit, use the bank's ATM deposit, or use the bank's mobile app to take photos and deposit it into your account.
Redeem at the merchant : at walmart you can redeem the check directly into cash (requires verification)
One thing that must be done before cashing a check is to sign the end of the check, which is the "endorsement." It is important to note that it is best to sign the name when it needs to be redeemed. Generally there are three types of signatures as follows:

Direct signature: The most common way to sign, you can sign your name directly before you can save the check or cash in walmart.
Special signature: Generally used to transfer a check to someone else. This type of check is also called a third-party check. First sign "Pay to the order of" and the name of the other party, then sign your name.
Restricted Signatures: Sometimes you have to mail a check to a certain institution to deposit an account. You can write "For deposit only to xxx" and sign your name. In this way, even if the check is lost, the person who picked it up cannot cash the check.
Everyone can save the check with the first signature. If a check is mailed to a parent or other relative and you want to deposit it into your account, you can sign it in to your account by signing it under the special signature rules. However, credit unions with such third-party checks may not accept it because it may be a bad check.

4. How to get a check
Generally speaking, after you open a checking account in some banks, the bank will take the initiative to send you a certain number of free checks. For example, both Cheocver ??and BOA's checking accounts will give some checks. Some banks will not give away, such as Chase's checking account. If you don't have a check or the free check has been used up, you can pay a fee to the bank and buy some checkbooks. Of course, you can also buy a universal checkbook online, and fill in the account number and routing number of your checking account at the time of purchase (the two will be printed on the check). You can also buy some checkbooks with your own custom background and suits, such as

Checks In The Mail (often engaged in activities)


Regardless of the way you get the check, you must confirm that the account number and routing number are correct before giving it to others, and avoid making a blank check. Filling in and redeeming the checks on each style is the same.

5. Summary
Although cheash quick pay (paypal) is more and more developed due to electronic settlement and paypal, personal checks are an important way to transfer money. Some understanding is still necessary.

Tuesday, August 6, 2019

How to write a check? How to write the amount, signature, cash, and various types of checks in the US


When you come to the United States, you may be surprised that the use of checks is so common. In Asia, the check tool seems to be used only by the company line number; but in the US, except for the company, you may use a check to pay your salary. Sometimes it is not difficult to see the cheques of shopping, dining, paying rent, utilities, and other daily life. The use of checks to pay money is not only guaranteed for both parties but also does not need to bring large amounts of cash on the body. It is also possible to save the interbank transfer fee. It is not an exaggeration to say that I don’t know how to write a check, and I can’t survive in the United States. This article teaches you how to correctly write a check, and a minute to teach you how to safely and accurately write a check, sign, cash, prevent others from tampering, etc. About the size and precautions of the check!

Where does the check payments?
The checking account opened at the bank, as the name implies, is the checking account number , that is, when you issue the check, the money will be called out from this account. So. Before you write a check, be sure to confirm that your Checking Account balance is sufficient to prevent the payee from being able to cash in and skip the ticket (become a blank check).

If the deposit is insufficient, the cheque will be refunded, which will affect your credit score. Those who redeem the cheque will receive a fine of several tens of yuan, and the act of opening a cheque will be investigated for cheating fraud. The other party has the right to call the police! Some banks allow account holders to overdraw within a certain amount of money. The check will not be refunded, but you will still receive an overrun fee from the bank.

Common check type
Personal Check: The account person will issue the self-dealer and deduct the money from the account.

The most common one, as long as you have a checking account, the account owner can fill out the signature personal check.

[Advantages]
Fast and convenient, no transfer fee is required for transfer.
[Disadvantages]
Many retail stores do not accept personal checks because the risk of jumping tickets is high (the balance in the checking person's account is not enough to be redeemed).
The risk of forging a check or not being signed by a person is high.

Cashier's Check Bank Check (Bank Promissory Note): Bank issued, deducted from the account at the time of issue.

A check issued by a bank will only issue a check if the amount in the biller's account is sufficient, and the amount will be deducted from the biller's account in advance. Therefore, Cashier's Check is more secure and secure than Personal Check. Cashier's Check is usually used when paying for large payments such as buying a car or buying a house.

[Benefits]
? There is no risk of insufficient balance and no redemption because Cashier's Check must be purchased in cash , so when the bank issues Cashier 's Check, the amount is deducted from the biller's account.
?Cashier's Check is signed by the bank and not signed by the account owner, so the bank will be responsible for any problems.
[Disadvantages]
? Need to open to the bank counter, the handling fee is about $10 (some banks are free).

Certified Check: A bank issued and cashed in from the account.
Much like Cashier's Check, it also lets the bank prove that you have enough funds in your account . The difference is that it is signed by the bank and you , the bank confirms that there is enough money in your account, and at the same time confirms that your check is your autograph. If there is a problem with the check, the bank and the customer need to be jointly responsible. In addition, another difference with Cashier's Check is that Certified Check will be deducted from your account after redemption. Need to open to the bank counter, the handling fee is about $10 (some banks are free).

Money Order Money Order: A financial institution issues and redeems money from financial institutions.

Issued by a financial institution or post office and guaranteed for redemption, it must be purchased in cash (ie, the denomination must be paid first, and the financial institution will open the Money Order), except that the Money Order usually has an upper limit, such as $1000 . Suitable for those who do not have a checking account. In addition, your bank information will not be available on the Money Order to ensure privacy. Money Order is also suitable for when you need to mail money, or when you need to mail money overseas, to ensure that only the recipient can redeem the Money Order and can avoid high international transfer fees. Money Order can be purchased from large supermarkets (such as Wal-Mart), credit unions, banks, post offices, etc., and the fee ranges from $1-$2.

Write a check diagram
Please refer to the following figure and number for comparison:

Check number
Generally starting from 0000, you can also decide the number to start when you buy at the bank, such as the Chinese favorite 1688 or 8888.

2. The date the cheque was opened
The month is before, the day is in the middle, and the year is after. It can be written as 4-20-2017, 4/20/2017 or Apr. 20 2017, and the year can also be abbreviated as 17.
Note: The date part can also be written in the future date (Postdated), but it is recommended to confirm with the payee (payee) whether the other party is acceptable, and some banks may also charge for the early redemption of Postdated check.

3. Payee and amount
?Place "Pay to the order of" to write the full name on the payee's valid ID.
 "$" is followed by an Arabic number, usually written to two decimal places , for example, 212.50. If the amount is an integer, please write it as 212.00, don't just write 212, so as not to be added. When filling in the Arabic numerals, fill the grid as far as possible on the left, so that you won't be able to fill in a few more digits.

 On the next line, write the amount of the check to be opened. Write it from the top of the horizontal line in English. Please write clearly and do not scribble, and recommend the decimal part to use and 00/100 only . After writing the amount, immediately draw a horizontal line until the words "Dollars". This method can prevent others from tampering with the check. For example: $212.50 should be written as Two Hundred and Twelve 50/100 only---------. $212.00 is written as Two Hundred and Twelve 00/100 only---------.

4. Remarks
You can write down the purpose of this check or the reason for the payment, etc. If you don't have it, you can leave it blank.

5. Your signature
The signature should be the same as the bank record, which can reduce the risk of fraud and will not be refunded by the bank for reasons of disagreement. ?Please do not sign the amount before the amount is written, so as to avoid the cheque being taken away by others and filling in the amount without authorization.

what! I accidentally made a mistake!
Basically, please try to avoid mistakes or alterations. If you accidentally write a typo, just cross the fork in the wrong place, and then re-write the correct one in the blank space. Basically, you can still cash it, but it is also It is possible for the payee or the bank to refuse, so it is recommended to be careful when writing the check. Otherwise, the more straightforward way is to re-open a new one. Don't forget to write the wrong VOID on it and shred it away:

Know other information on the check
There are some printed messages on your check:

The top left corner is your name and address (the company is the company name and company address).

. There are three numbers at the bottom of the check: (left to right)
— ABA Routing Number/Routing Transit Number: used to determine the bank identity. Each bank has its own fixed Routing Number, a total of 9 digits.
— Checking Account Number: This is your Checking Account Number. The length of each bank is different.
— Check Number: This check number is a total of 4 digits.

Note: The order of the three pieces of code is not fixed. Some banks will put the Account Number first, and some will put the Routing Number first.

. How do I get my own check?
Usually, when you open an account at a bank, the bank will send you a few checks. If you are finished using it, you can order it from the bank and order it directly at the counter or online. In addition, supermarkets such as Wal-mart and Costco can also purchase checks, as well as many online ordering websites that can be customized for exclusive checks.

Carbon check / Duplicate Checks:
Simply put, there is a checkbook of carbon paper. When you open a check, you will also leave a certificate. If you want to leave your credentials, you can also order this type of check. Otherwise, the normal check is usually free of check. If there is a Personal Check Register or leave a check stub, you can record your own check and The amount is also relatively safe.

.The check is gone! How to do?
Immediately call the bank to report the loss, the bank will immediately cancel the payment of your check, so it is very important to remember the range of your check number ! Otherwise, someone will pick up the checkbook and imitate your signature (for example, Duplicate Checks' copy page has your signature), you can take your money away, remember not to lose the checkbook easily!
. I received the check, how to redeem it?
Don't forget to cash the check as soon as you receive the check. No matter which method you use to cash the check, don't forget to turn it to the back and sign the endorsement at X of Endorse Here, so that even if the check is not visible, it cannot be redeemed by others. To go to the financial institution counter to cash, don't forget to carry an identifiable certificate and sign the endorsement in front of the teller to ensure safety.

  • You can use ATM to deposit your check account. 
  •  Cashing at your own checking account bank counter will not charge a handling fee. 
  •  Go to the bank counter where the check belongs. If it is not the bank customer (no account), a handling fee may be charged. 
  •  Most bank apps also provide online check services, which can be used to deposit checks into the checking account. 
  •  Other retail stores, stores or supermarkets (such as 7-Eleven, Wal-Mart ) will charge a fee. 
  •  Cash express, only for those who need money urgently, usually charge a low fee.


Endorsement signature method:
?Blank Endorsement: Sign your name directly.

?Endorsement to a third party: Generally used to transfer a check to someone else (Sign over a check). First sign "Pay to the order of the other party's name" and then sign your name below.

? Restrictive Endorsement: Write " For deposit only" and sign your name. It can also be written to the account, which means that the check can only be saved. If the check is not seen, the person who picked it will not be able to cash the check.

Monday, August 5, 2019

How To Write A Check In 6 Easy Steps


Filling in a check in the right way is the key if you don't want a fight. To help you with this, here are six easy steps on how to write a check.
writing a personal check

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There are several reasons why you may need to write a check. For example, some companies give you a discount for writing a check instead of reading a card. This is because they save money by not having to pay administration costs.

So if you are going to fill out a check, make sure you do it the right way is the key if you don't want a fight. To help you with this, here are six simple steps on how to write a check properly.

6 Steps for Writing a Check
First notice that there are numbered fields on the check. In this tutorial we will talk about each numbered field and its purpose, so that you can use the correct check format.

1. Check-in date in the top right corner
Any format of the date is acceptable. For example, April 1, 2017, 4/1/17 , or another format. However, consistency is the key as it helps you to more quickly recognize a check that has been stolen from your account. For example, if you always check the date of your checks in this format: April 1, 2017 , a forged check can be easily identified if the date is written in a different format.

2. Add the person you pay in the "Pay on the order of" field
This is where you write to whom the check is made payable. In the case of this tutorial that would be Target . It is important to write neatly when completing your check and to name the first and last name or the entire company of the beneficiary (the person or company to whom the check is written).

3. Enter the amount you wish to pay in figures
Again, it's important to be neat and precise here. Make a clear distinction between dollars and cents with a decimal point or by emphasizing the cents number in order to avoid confusion about the designated amount. This confirms the amount in writing, so there is no confusion about how much has to be paid. So in this example it would be $ 20.21 .

4. Hand write the dollar amount using words
Cleanliness counts so well here because the banks will occasionally check the written amount they may not read the numbers in the amount box. Write the dollar amount of the check clearly, as shown in the box below. For this check it would for example be Twenty dollars and 21/100 .

5. Enter in the Memo field at the bottom left
People who do not often use the memo line when writing a check, but it can be important when it comes to a potential payment dispute. When paying a bill, we recommend writing the number of the bill in the memo line. Or, if the check is before paying the rent, write "April 2017 rent" in the memo line.

Using the memo line when writing a check for securing your bank account and protecting you from potential payment of disputes. It can also be used to help keep track of your expenses so that you can know how much money you spend in each budget area. In this example would be Clothes .

6. Sign the check in the lower right corner
This is perhaps the most vital part of the check writing process. Companies will not accept checks without a valid signature. Since each person's signature is unique, signing your check has the ability to protect you against possible check-writing from counterfeiters.

When writing a check, make sure you keep your signature tidy and write it like you would normally do on another formal document. See your signature box here in the example below.

There are three parts of the information that you should be aware of when it comes to the layout of a check.

Routing number
This is specific to your banking institution and can be found on the bottom left of the check. It is also used when you receive your employer information direct deposit and set up automatic payments.

Account number
This speaks for itself, but just know that you will find this number immediately to the right of your routing number.

Check number
Your checkbook is set on a numerical order, so if you write a lot of checks over the year, it makes it easier to go back and confirm payments and "check" disputes.

Frequently Asked Questions
Can I Write a Check With a Pencil?
Only writing checks with a pen, preferably a blue or black ink. Although you can write checks in pencil, someone with an eraser can erase all of the information, change the amount and name of the recipient.

Why Would Someone Check the Post-Date of a Check?
People will usually check post-date when they know that there is not enough money at the moment to cover the check. They are waiting for a deposit to arrive so that the check will not bounce.

They can also post-check date because that is when the bill is due. You must be careful because when writing a check because it is legal tender. Just because there is a future date on the check does not mean that a bank does not cash on an earlier date.

Why Are There Two Fields for the Amount on a Check?
Two fields make it absolutely clear what the amount of the check is supposed to be. Writing the amount twice also helps in eliminating fraud as well as the incorrect amount being debited from the account.

Now that you know the basics of writing a check, you are prepared if there are no other payment options such as cash or automatic payment.

Can I Write a Check for Myself Money?
Yes, you can write a check to pay yourself out. In the "Pay to order" field, you can write a check to yourself by writing your own name or by writing the word "Money." You will also see your signature on the back of check if you are going to deposit the check in of your checking account.

For your own financial security, do not write a check for yourself until you are already in the bank. If you accidentally lose control, a stranger could potentially cash your check for the written amount. You can also ask the narrator how they prefer you to address the "Pay to the Order" field to avoid confusion.



You could try this option if you have multiple bank accounts, don't want to pay an ATM fee, or you withdraw more than the maximum daily ATM amount to be withdrawn.

Why Is It So Important To Write A Check Correctly?
If you write a check incorrectly, the depositing bank cannot accept the check. Many companies charge returned check fees - between $ 20 and $ 40 - plus any additional costs because they do not receive the correct payment on the due date. A simple mistake can easily cost you $ 40 in costs if you don't catch it in time.

What Are The Most Common Check Writing Mistakes?
All of us made a mistake when writing a check and had to start over. Some of the most common errors are:

Writing an incorrect date or year (this usually happens in January)
Forget to report the check
The dollar amount fields do not match
Depending on the error, it is usually easier to write for a new check. If you do not have an extra blank check with you, you can strike in a single line because of the error and write your initials next to it. Then write the correct information in the correct field.

Depositing the bank can still refuse the check if it is difficult to distinguish between the correct information of the errors.

How Do I Write a Destroyed Check?
Sometimes you need an invalid check or you write a mistake or make a direct deposit with your employer, charity, or an automatic monthly bill payments

Just like writing a check-in pen, a pen to write "EMPTY" on the front of the check. Each person has it slightly different, as you may prefer to agree the word in large letters or write the word in each of the five fields.

If you are writing a destroyed check schedule of automatic monthly payments or deposits, you usually do not have to fill one of the five fields. However, you could decide to write a short note in the memo to your personal record.

Is a Personal Check of a Certified Check?
No. A personal check is one that you write by hand with a pen. Certified check - which sometimes does official checks or cashier checks - have been printed by your bank to check whether the check has sufficient resources.

You may need to use a certified check for the following financial transactions:

Taking out a mortgage loan
Buy a car without a loan
Applying for a Passport
If you have an online bank account, you can request an official check online or over the phone. For those who bank, locally, visit your hometown branch, and they will immediately issue the printed check. With both options you must have enough money in your account to issue the certified check. Immediately the bank retrieves the full amount from your bank account. So make sure you have enough money to cover the check amount plus the regular costs.

Resume
Writing a check might feel like a "lost art," but it is still a very important skill to know. We do not pay for everything with plastic or with a digital wallet yet, and many companies prefer a check for money for large purchases because it is more secure. Now that you know how to write a check correctly, you don't have to worry about having to rewrite your checking or getting a surcharge from those annoying returned check fees.

Saturday, August 3, 2019

What is the difference between checks on order and bearer checks?


Bearer, ie the name of the beneficiary is NOT mentioned. If you are the holder of a bearer check , you can immediately debit it from the bank whose address is stated on the check. You can also transfer it to a new beneficiary like a banknote by simply handing it over. That check is therefore literally affordable to the person who 'shows' him. However, it follows that a


unfair finder can cash in a bearer check as easily as the rightful beneficiary. That is why it is much safer to write a check 'on order'.
To order means to a named beneficiary, whether or not preceded by the 'to order' clause. The

In this case too, the beneficiary can immediately debit the check from the bank, but he can also transfer it to another person.

If the issuer wishes to prevent the check from being collected by someone other than the first beneficiary, he must state after the name of the beneficiary: 'Not to order'. As a result, this check can only be paid to the named beneficiary: no one else can cash such a check . It is therefore not transferable. Equivalent clauses for the expression "not to order" include "not to anyone else" and "to him / her alone."

How to use Check?
As a checkbook holder you can do two things with this:

- use the checks as payment;

- withdraw money from your bank account: to do this, you write out checks in favor of yourself or bearer and you deposit them at the bank.

How can you transfer a check?
You can transfer checks mainly in two ways:

- by simple delivery

This method can only be used with bearer checks;

- by endorsement


The beneficiary can endorse his check to a new owner in two ways. If he only places his signature on the back of the check, it becomes a bearer check. This is also called a blank endorsement. Have the signature preceded by the statement: 'Pay to order from then it remains a check to order. It is important, however, that anyone whose signature appears on a check is jointly responsible for the payment towards the final beneficiary. In this way, the endorser - the person transferring the check by placing his signature on the back - can be charged for payment if the checker fails to do so!

Can someone cash a check for another person?
Any check , including a non-transferable, can be cashed by a third party. You do this by endorsing the check on the back 'for collection'. Equivalent entries are 'in mandate' or 'value for collection' or a similar entry.

The person who collects can behave towards the bank as if the check were his. He may collect, give discharge and have protest. Unless the client objects, he can in turn give the check to another person for collection. A collection endorsement must therefore clearly contain the in-casso statement; otherwise it is considered to be transfer of ownership.

When can / must you cash a check?
A check is affordable at sight. Any conflicting statement is considered as not written. In this context, each holder must keep a close eye on two periods.

Offer period
'Affordable at sight' implies that, even if a holder offers a check before the day mentioned on the check as the date of issue, he is still affordable with the offer. However, if he offers the check after the issue date stated on it, it is best to do so within a certain period.

This term, called 'offer period', is payable in Belgium for checks:

- eight days, if the check is issued in Belgium;

- twenty days if the check was issued in Europe or in a coastal country of the Mediterranean;

- one hundred and twenty days, so the check was issued in another country. These offer periods start from the issue date stated on the check. The date of issue itself is not included in the period.

If the last day of the offer periods falls on a Saturday, Sunday or public holiday, the period is extended to the next working day.

What happens or can happen if the check is not offered within this offer period?

A check, offered after the specified period, is still valid. However, if payment cannot be obtained from the banker, the provider can only turn against the trigger and not against the end-beneficiary (s). If the holder of a check offers this after the offer period, however, there is a risk that the check will be revoked or that the credit will no longer be available on the account, which makes the check more difficult to collect.

Limitation period
The holder of a check can offer this to the banker and receive payment up to six months after the offer period.

After this prescription period (ie offer period + six months), the check can no longer be used as a means of payment at sight, in other words, the banker no longer pays. However, the underlying claim (ie the reason for issuing the check) remains. Limitation periods apply to this claim than for the check.
h. How can you cash a check? Payment of a check

As already stated in the definition, the check is essentially a payment method. However, it is true that anyone who issues a check has not yet paid his debt. The debt that you want to pay by check is only actually paid when the beneficiary of the check was paid in cash or when the amount was deposited in his account. Proof that the payment has been made is provided on the statement of account on which the debit of the check is stated.

For example: if an invoice states 'Paid with check no. ...', this is not yet sufficient as proof of payment. Only the office where the tractor holds his account can legally pay the check.

However, even before the paying office has paid the check, the holder of a check can dispose of the amount stated on the check. The check is then not paid to him, but he receives 'direct credit' on the check. This means that the establishment where the check is offered (either from the same bank or from another bank) will advance the amount of the check to the holder. In that case, the bank pays on the condition that the person who collects the check will return the money if there is not enough credit available at the office where the account is held to pay the check (a so-called resolutive condition).

What if a check remains unpaid?
In the event of non-payment, the holder of the check can exercise his right of recourse against the endorsers, the trigger and other check debtors. The conditions for this are:

- The holder offers the check in time for payment.

Timely 'means within the offer period.

- Have the refusal of payment determined.

The holder has the check 'protest'. This is done by:

- a protest deed, ie an authentic deed, drawn up by a bailiff;

- a protest-replacement statement, ie a statement from the banker involved, dated and written on the check stating the date of the offer;

or

- a dated statement written on the check from a clearing house, whereby it is established that the check was presented on time, but was not paid.

The non-payment must be determined before the end of the offer period. If you offer the check on the last day of the offer period, the protest or the equivalent statement can still be validly drawn up on the next working day.

If you do not have the check protested in time, you can - as with a late offer - no longer be able to reclaim the previous endorsers or check debtors.

Friday, August 2, 2019

THE ABUNDANCE CHECK


The New Moon is the perfect time to initiate new projects, start a new business, with the goal of growth and prosperity. It is therefore time to ask powerful intentions such as writing greetings or filling the check of abundance ... which finally are the clear and symbolic demands you make to the universe.

I propose you to do this little exercise which, I wish it, will bring you the abundance that you wish by writing the check of abundance.

When you fill the check for abundance, there is nothing magical about it, but you place the powerful intention of attracting in your life the abundance that you desire. You emit by your thoughts, your emotions, your beliefs, and your actions a vibration that is a powerful intention, and you resonantly attract what vibrates on the same frequency. This is the principle of the law of attraction and quantum physics.
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When and how to write a check of plenty?
The purpose of the abundance check is to create more abundance in our lives. It is written at the time of the new moon and in the next 24 hours.

You will see an increase in abundance in one or more facets of your life when you use it.

Be careful: it will not necessarily be a financial abundance, but an abundance in one or more aspects of your life where you need it!

You can use one of your checks, taken from your checkbook if you have one.

Or you can draw one and fill it as a real one, or use one of the models presented in this article.

Instructions for writing a check of plenty
Listen to your intuition, and do what resonates most with you and with your inner beliefs

You can write on your check: the date, your name and the amount you want to receive , in the currency of your choice, if you want money, or write a value you want to buy (trust, peace, joy ... ).

Keep your check in a place where you can see it every day.

And every time you see your check, feel as if you have already received this abundance, and feel gratitude because you can now be, do or have what you want , that is the very principle of the law attraction.

Some will tell you to hide your check and forget it, and that's where you have to listen to your intuition. For my part I prefer to have it in front of me ....

Make a habit of writing a check for each new moon.

You will see, it will work, on the simple condition of accepting that it is possible.

When you fill out a new check, you can discard or burn the old check.

You can also keep a check for as long as you want, for example until you get what you want.

The checks below to download, are proposed by Rhonda Byrne, the author of the book "The Secret" , on his website The Secret

Try the abundance check and discover the results!

To go further, discover the Oracle of Krystal vibratory cards of the Law of Attraction that help you free yourself from negative limiting beliefs that prevent you from getting what you want, and that help you to increase your vibration, to you center and attract abundance into your life.

You can, for example during the new moon, keep on you (or put well in sight) one or cards like that of the Prosperity , or that of the Success , or that of the Joy , the Happiness , or the Health ... to soak up the energy of these cards, which will strengthen your demand. Krystal's Oracle

Thursday, August 1, 2019

When and how to fill your check of plenty?


Did you know that you can write "New Moon Abundance Checks" to increase abundance in any area of ??your life? But first I suggest you discover what a check of plenty and how to fill it correctly.

What is a check of plenty?
Abundance checks are mainly used to attract more money. However, abundance in itself is not just money. This can be manifested in many ways, such as gifts, compliments, a fantastic job offer, a new friend, a free lunch, a vacation, free advice from a colleague, etc. That means you can write a check of plenty to attract everything you want, including perfect health, general well-being and a great partner. It is simply a tool that can help you improve any area of ??your life. But how does it work?

Often, when we think about what we want, we also think about the lack of what we want. This lack releases a very strong energy, which will vibrate attracting us this lack. This is what is called the law of attraction. Just remember that when working with abundance checks, be sure to focus on the positive things you would like to have. Thus, by focusing on the positive, you increase your vibration and allow the event. This means that it is important that you do not spend any time measuring, taking notes or worrying about the event, but rather trusting the process and dropping all resistant thinking. The things we would really like are often the things we have the most resistance to. Writing an abundance check is a way to focus on what you want, then let go and allow the Universe to bring it to you!

When to fill your check of abundance?
We all know that the cycle of the moon is responsible for our tides, so we can easily understand that the moon has a magnetism and a pulling force. In addition, farmers from different cultures are well aware of this powerful energy and follow the moon cycle very closely when choosing the best time for planting crops and crops. The moon represents the nourishing, feminine and emotional aspects of our lives. The different phases of the moon radiate a different force of energy. During the new moon, it is a renewal energy that is set up. We'll erase everything and start again. That's why the best time to set your intentions is in the 24 hours after the new moon. Working with the energy of the moon can be very simple, but very effective.

How to fill your check of abundance?
I've created a template for your abundance check so you can download it. Before filling it out,   remember that your positive mood / emotion is a manifestation in itself, and a first sign that everything you want is on your way. Have fun and live before following the instructions!

Print your abundance check (you can also use one of your checks if you prefer). No matter what choice you make, they can both serve to bring you plenty.
Write your "first and last name" in the Paid to order field.
In the box amount in figures and amount in words , you have several possibilities:
You put a specific amount that you would need to be fair (an invoice to pay, a car change ...), without being too greedy. Just be playful. You do not need to enter an astronomical amount if you do not want it, but you can start with small amounts (a few hundred euros for example). It's about practicing and feeling comfortable when writing abundance checks. Entering an exact amount, however, will allow you to be more focused and facilitate your intention in this ritual.
If you have inner resistance, it is always better to exclude a specific amount and to go more generally. Many of us have subconscious beliefs that we are not worthy and do not deserve what we want. This is why it may be wise to simply write in the letters field "Positive Abundance in All", and in the box amount in figures  "to be paid in full". Thus, the notion of positive abundance will allow you to find yourself in a virtuous cycle and will prove your confidence in the Universe to bring you what you need.
In the signature space , you can put the words "  The law of the positive abundance of the Universe".
In the date box , you can enter either a specific date (a financial deadline for example) or put the notion "here and now" so that your check is not expired.
Now keep your check in a secure area. You could put it in your wallet or in a place where you can see your abundance check every day. Seeing it daily is probably the most powerful way because it would work as an affirmation. Just believe and feel that you have plenty right now!
After writing your abundance check, it's time to relax your body and mind, and focus on your desire. The request is sent to the Universe, and now is the time to allow the Universe to do the rest. Stop worrying about how and when it will happen. Forget the control and focus on other things that make you feel good.
If you have put a due date on your check, once that date has passed, you can burn it and put the ashes back to the ground, so that energy goes back into the big energy cycle. And then you can start another check at the new moon.
And now, you just have to ask and make your check on the next new moon! I hope this article will bring you, believe in the Universe and in the force of attraction, it will bring you a lot!

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