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As a small business operator Danny Ward Jersey , personal checks may be one method to receive payment for your goods or services. As a way to receive payment, a personal check is actually better than credit cards because the fees are less and there can be no charge back.

Fortunately, most people are honest and studious in taking care of their checking account. But sooner or later every small business operator will receive a bad check. The first thing to do is politely contact the individual and give them an opportunity to make the check good.

Most times you'll find that the customer has simply been careless with their checking account or finances. They will probably be embarrassed about the incident and will immediately replace the check with a good one. Unfortunately, there are rare occasions when the individual who gave you the bad check decides to make themselves scarce.

Note: If a personal check is for more than a few dollars, it's best to let the check clear before delivering the product or service. Say, for example, that someone wants to buy your car with a personal check for twice what the car's worth. Remember, a check is just a piece of paper until after it clears. They can return to pick up the car after the check clears, or you can offer to drive with the individual to their bank to get the cash.

There are three reasons why a personal check may not clear: "insufficient funds", "account closed", or "stop payment". The proper action to take depends upon why the check didn't clear. If the check is returned for "insufficient funds", and you can't locate the individual who wrote the check, file a crime report at your local police station. If a police investigator can locate the individual who passed the bad check, that individual will be required to pay you andor spend some time behind bars.

If the check was returned "account closed", you may have a criminal case depending upon when the account was closed. If the account was closed before the date the check was written, you definitely have a criminal case. If the account was closed afer the check was written, the court may determine that you didn't present the check for payment in a timely manner. In that case, you have a civil matter, not a criminal complaint.

If the check was returned because of a "stop payment", you have a civil matter. Some people try to save time and work by filing a crime report for ANY check that doesn't clear. This can result in the individual who gave you the check being arrested. They may miss work and encounter a host of other problems as a result of your FALSE crime report.

I said FALSE crime report, because an individual who puts a stop payment order on a check almost always does so because of dissatisfaction with a product or service. The accused individual is now in a position to countersue for the problems caused as a result of your FALSE crime report. This could end up costing you a lot more than the value of the check.

Sooner or later every small business operator will receive a bad check. The first thing to do is politely contact the individual and give them the opportunity to make the check good. If that doesn't work, many people try to save time and work by filing a crime report regardless of why the check didn't clear. It's very important to determine why a check didn't clear before deciding on a course of action.

Disclaimer: Stephen Bucaro is not engaged in rendering medical, legal, accounting or other professional service. If legal advice or other expert assistance is required, the services of a competent professional person should be sought.

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Shakeout


A shakeout is designed to frighten, and it does a pretty damn good job of it. The general idea is for an who’s been accumulating a futures to throw a sizeable portion of it onto the market and temporarily drown demand, thereby temporarily driving the price down. This rattles the unwary and prods them to sell their contracts, making those contracts available for purchase by the elephants. Those who have grown weary of waiting for the futures to do something other than drift along in this interminable base may also decide to throw in the towel and let somebody else babysit. And, of course, those who have placed hard stops just below the support line will be stopped out in a flash. The shakeout is not always easy to spot at the time as one’s first reaction is that something has gone horribly wrong and the futures is in deep trouble. But if the futures has been basing for a while, if the base has been relatively contained (it hasn’t shot out of the trading range so far), if volume has subsided, and if there has been evidence of accumulation up to that point, one can at least suspect that a shakeout is taking place. The acid test is the next day or so. If the futures bounces back into its trading range and makes its merry way as if nothing had happened, then you have probably witnessed a shakeout. On the other hand, if volume picks up and efforts to push the futures back up are defeated by too much supply andor too little demand (except on the sell side), then the futures may actually be in trouble, and if you can’t find out what’s going on, you may want to get out and watch from the sidelines until the situation becomes clearer.


shakeout | markup price action part II


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