| Volume 20 Number 11 |
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The People’s Lawyer’s Tip of the Day
Under the law, a store may charge no more than $30 for a bounced check. There is no limit for how much a bank may charge. Shop around for a bank that charges a reasonable fee, and get "overdraft protection" to avoid high fees for a bounced check.
New Year's Resolutions
Every year at this time, we all make resolutions for a better new year. I think we feel the new year is the perfect time to make those changes we have been putting off. Without real discipline though, you probably won't keep any of your New Year's resolutions. Maybe your first resolution should be to keep at least one or two of those things you resolve to do in the coming year. Here is a list of some popular New Year's Resolutions. Click here for more.
Rules of Return
Anyone heading back to the mall to return gifts that weren't quite right should keep in mind that retailers may have exchanged their exchange policies for something quite different in recent months. About one in five merchants has modified their return guidelines in what has become a delicate balance between being fair to honest customers and defending against growing numbers of scammers practicing "return fraud.'' Click here for more.
Tips To Shed Your Holiday Debt Sooner
The guests are gone. The leftovers have been eaten or stored. Even the holiday bloat has subsided. Life after the holidays is returning to its calm, peaceful norm. That is, until you get your credit card bill in the mail. Holiday debt affects even the most frugal of us. While you may be shocked and even a little depressed to see your post-holiday credit card bills, don¿t let it keep you down. With a few steps, you can recover from your holiday debt. Click here for more.
How to Talk to Your Parents About Money With Everyone Gathered for the Holidays
Most families wait for a crisis before holding a financial powwow. Don't do it. Have a money talk with your parents while everyone is healthy and financially secure. Click here for more.
Your Money
Tax refund savings calculator Click here for more.
For the Lawyers
"No call" phone number protected despite business use. The Colorado Supreme Court has held that a consumer whose home phone was used for business calls didn't lose protection under a state "no-call" statute. Click here for more.