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How to Cash a Check Without a Bank Account

No bank? No problem. Check-cashing stores, retailers and prepaid accounts can help you turn that piece of paper into cash. (iStockPhoto)

For most American consumers, cashing a check is simple – they simply deposit it at their bank’s ATM or through a teller. But according to the FDIC, 20 percent of U.S. households either don’t have bank accounts or rely on alternative channels for financial services, such as check-cashing.

For these consumers, what is the cheapest way to cash a check?

Check-cashing stores. Local mom-and-pop stores often come to mind when you search for checking-cash services. However, they can be costly.

Some check cashers may impose a fee equivalent to a percentage of the check value. Others may charge a flat fee in addition to a percentage fee. For large checks, these check-cashing facilities can be rather expensive.



Fewer banks and branches, but more wearables? Convenience and mobile tech are driving this industry’s evolution.

For instance, to cash a $1,000 check, a $5 plus 1 percent fee means you’ll pay $15 for the check-cashing service. Other places are likely to have lower fees.

The check-issuing bank. A bank will only cash a check for a non-customer if a check is issued by that specific bank. Even then, the non-customer could face a check-cashing fee, which varies from bank to bank. For instance, TD Bank charges $5 whenever a non-customer wants to cash a TD Bank check. Meanwhile, Citibank doesn’t impose a fee when a non-customer wants to cash a Citibank check under $5,000.

More often than not, a non-customer will be persuaded to open an account with the bank to avoid paying the fee .

Retailers. Major retailers, such as 7-Eleven, Wal-Mart and some supermarket chains, offer check-cashing services, which likely cost less than those available at check-cashing stores and banks.

At some 7-Eleven locations, you can find kiosks that let you cash checks for a flat 0.99 percent convenience fee. Wal-Mart charges $3 for checks of $1,000 or less and $6 for checks greater than $1,000 and no more than $5,000. (The limit increases to $7,500 from January to April for tax refund checks.)

Prepaid accounts. As financial institutions and other companies find that a large portion of the American population is unbanked or underbanked. they have offered prepaid card accounts to cater to this consumer segment.

For example, Chase offers a prepaid card that lets you deposit checks at any Chase ATM for free, but the card has a $4.95 monthly fee.

A company called Ingo Money works with a long list of prepaid cards to provide mobile check deposit for these card accounts. With the Ingo Money app, you can use your smartphone to take pictures of checks to deposit them into a prepaid account. There is a 1 percent to 4 percent fee for this service and minimum fee of $5 per transaction. However, users will not pay a fee if they choose to wait 10 days for the funds to be deposited.

Shop around. As with every consumer-spending decision. it is best to shop around for a better price. If you frequently use alternative methods of cashing checks, you should research locations nearby for the cheapest fees, so you’ll know where to go whenever you’re in need of check-cashing.

25 Ways to Fix Your Finances Fast

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Current Specification Effective Date: January 1, 2015

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Look for the ENERGY STAR label for your climate zone. All ENERGY STAR certified products must display the ENERGY STAR label. Check the label to make sure the product you are considering is certified to meet the criteria for your area. The ENERGY STAR label appears on the product next to the National Fenestration Rating Council (NFRC) label:

in Highlighted Regions

Official ENERGY STAR label (and NFRC Label) for a window qualifying in the Northern and North-Central climate zones.

in All 50 States

Ask for ENERGY STAR when ordering. When you’re ordering in a showroom, make sure to ask for a product that is certified to meet the ENERGY STAR criteria for your climate zone. You can choose ENERGY STAR certified windows in a variety of framing materials to suit your needs.

  • Get a deal. In addition to the long-term energy savings you’ll enjoy, you may be able to take advantage of financial incentives that lower your initial investment:
    • Many utilities provide financial incentives for purchasing ENERGY STAR certified windows, doors and skylights. Look for local rebates and other promotions in your area .
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    • Keep in mind that the cost of complete window replacement can vary. Be sure to get quotes from several installers. Different dealers may quote difference prices for the same product. When interviewing contractors, ask them to break down the price quote by labor and materials. ENERGY STAR certified windows, doors and skylights may cost more than non-certified products, but the labor involved should be comparable for both.
    • If your house is older than 1978, be sure to look for contractors who are certified to handle lead paint .

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    Do you own a digital camera? Then in no time you will have thousands of images on your computer, and finding that one image you are looking for will become a chore. But Photo Supreme can change all that. Whether you have 1,000 or 500,000 images in your archive, Photo Supreme’s integrated photo cataloging and photo management features will help you quickly find and work with your desired image.

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    David F. Cowan. M.D.

    Dr. Cowan practices Internal Medicine and Pediatrics and is Board Certified in both specialists. As such, he brings exceptional training and experience to Orlando Family Doctor, Family Medicine Services for all age groups from newborn to Medicare since 1984.

    He graduated from the University of Florida College of Medicine and served internships and residencies at USF and UF. Dr. Cowan has served in numerous leadership roles in medical groups and at the Arnold Palmer Children’s Hospital. He volunteers at local clinic’s for the indigent.

    He enjoys golf, flying and family time.

    Allison Barnes. M.D.

    Born in Dallas, Texas, Dr. Barnes is a native of the Southwest. She moved to Oklahoma, graduating high school from the Oklahoma School of Science and Mathematics. She received her undergraduate degree in Electrical Engineering with high honors from the University of Oklahoma. After working briefly as an engineer in Washington, D.C. she decided to enter medical school and graduated in 2008 from the University of Oklahoma College of Medicine.

    Dr. Barnes completed her internship in Pediatrics, and loves seeing children learn and grow. It was here where the concept of the Patient Centered Medical Home began to emerge as the model for the care she provided. With an emphasis in coordinated, accessible, preventive care where the patient is a member of the medical team, this model has consistently demonstrated both improved patient satisfaction and health outcomes. She trained in ophthalmology at the University of Texas in Houston, but decided to focus on preventive family care. While working as a physician, she earned her Masters in Public Health with an emphasis in Policy and Management. Her interests are in preventive medicine, community health, and accountable care.

    Teri Stapleton. M.D.

    Dr. Stapleton was born and raised in Jacksonville, Florida. She received her Bachelor of Science in Biology from the University of North Florida in 2002. Dr. Stapleton graduated from Ross University School of Medicine in 2008. She completed her Family Medicine residency at Southwest Georgia Family Medicine Residency in Albany, Georgia in 2012. Dr. Stapleton moved to Kissimmee, Florida and began practicing medicine in September 2012. She and her husband had their first child, a little boy, in March 2016. They enjoy going to the Disney parks and cruising. Dr. Stapleton joined Primary Care Specialists in September 2016. She feels that for optimum health, the patient and health care provider need to work as a team. Dr. Stapleton looks forward to partnering in your care and providing you with the best health care she possibly can.

    Carl L. Sellers. MS, PS-C.

    Carl was born in Nashville, Tennessee where he lived the first ten years of his life. From an early age, Carl was bright and an extremely inquisitive young man. A trait that would serve him well all his life. He always wanted to know everything about the things around him and in the world as he saw it. Carl graduated in 1985 from KCMA with an Associates Degree in Medical Laboratory Technology.

    Carl would then go on to receive a Bachelors Degree in Biology at The University of Dayton Ohio in 1987 and in 1990 got a Master of Science Degree in Microbiology and Immunology. He then became full-time facility at KCMA ultimately achieving Assistant Professor status before deciding to become a Physicians Assistant, completing that training in 1997.

    He has been working with Dr. David F. Cowan at Primary Care Specialists since June of 2006. Before that, he worked with several Osteopaths and has been trained on Osteopathic Manipulation and has considerable experience in Sports Medicine and Family Practice.

    His hobbies include sports and building computers.

    Carl believes the quality of care and compassion ALL patients should receive is paramount. He listens to his patients takes the time to provide 100% attention to Detail and Excellence in Health Care for all his patients everyday!

    Paul H. Hutschenreuter

    Paul H. Hutschenreuter. PA-C.

    Paul Hutschenreuter was born in LaCrosse Wisconsin and enjoyed working on the family farm. He moved to Michigan for Undergraduate Education and finished his Medical Education at Kettering College of Medical Arts in Dayton, Ohio.

    He has been practicing Medicine as a Physician Assistant for the past fifteen years and has experience in Family Practice, Sports Medicine and Orthopedics.

    His hobbies include football, cycling, golfing, playing the guitar and four wheeling.

    Orlando Family Doctor

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    Getting the Facts

    Just about everyone knows that the legal drinking age throughout the United States is 21. But according to the National Center on Addiction and Substance Abuse, almost 80% of high school students have tried alcohol.

    Deciding whether to drink is a personal decision that we each eventually have to make. This article provides some information on alcohol, including how it affects your body, so you can make an educated choice.

    What Is Alcohol?

    Alcohol is created when grains, fruits, or vegetables are fermented. Fermentation is a process that uses yeast or bacteria to change the sugars in the food into alcohol. Fermentation is used to produce many necessary items everything from cheese to medications. Alcohol has different forms and can be used as a cleaner, an antiseptic, or a sedative.

    So if alcohol is a natural product, why do teens need to be concerned about drinking it? When people drink alcohol, it’s absorbed into their bloodstream. From there, it affects the central nervous system (the brain and spinal cord), which controls virtually all body functions. Because experts now know that the human brain is still developing during our teens, scientists are researching the effects drinking alcohol can have on the teen brain.

    How Does It Affect the Body?

    Alcohol is a depressant. which means it slows the function of the central nervous system. Alcohol actually blocks some of the messages trying to get to the brain. This alters a person’s perceptions, emotions, movement, vision, and hearing.

    In very small amounts, alcohol can help a person feel more relaxed or less anxious. More alcohol causes greater changes in the brain, resulting in intoxication. People who have overused alcohol may stagger, lose their coordination, and slur their speech. They will probably be confused and disoriented. Depending on the person, intoxication can make someone very friendly and talkative or very aggressive and angry. Reaction times are slowed dramatically which is why people are told not to drink and drive. People who are intoxicated may think they’re moving properly when they’re not. They may act totally out of character.

    When large amounts of alcohol are consumed in a short period of time, alcohol poisoning can result. Alcohol poisoning is exactly what it sounds like the body has become poisoned by large amounts of alcohol. Violent vomiting is usually the first symptom of alcohol poisoning. Extreme sleepiness, unconsciousness, difficulty breathing, dangerously low blood sugar, seizures, and even death may result.

    Why Do Teens Drink?

    Experimentation with alcohol during the teen years is common. Some reasons that teens use alcohol and other drugs are:

    • curiosity
    • to feel good, reduce stress, and relax
    • to fit in
    • to feel older

    From a very young age, kids see advertising messages showing beautiful people enjoying life and alcohol. And because many parents and other adults use alcohol socially having beer or wine with dinner, for example alcohol seems harmless to many teens.

    Why Shouldn’t I Drink?

    Although it’s illegal to buy alcohol in the United States until the age of 21, most teens can get access to it. It’s therefore up to you to make a decision about drinking. In addition to the possibility of becoming addicted, there are some downsides to drinking:

    The punishment is severe. Teens who drink put themselves at risk for obvious problems with the law (it’s illegal; you can get arrested). Teens who drink are also more likely to get into fights and commit crimes than those who don’t.

    People who drink regularly also often have problems with school. Drinking can damage a student’s ability to study well and get decent grades, as well as affect sports performance (the coordination thing).

    You can look really stupid. The impression is that drinking is cool, but the nervous system changes that come from drinking alcohol can make people do stupid or embarrassing things, like throwing up or peeing on themselves. Drinking also gives people bad breath, and no one enjoys a hangover.

    Alcohol puts your health at risk. Teens who drink are more likely to be sexually active and to have unsafe, unprotected sex. Resulting pregnancies and sexually transmitted diseases can change or even end lives. The risk of injuring yourself, maybe even fatally, is higher when you’re under the influence, too. One half of all drowning deaths among teen guys are related to alcohol use. Use of alcohol greatly increases the chance that a teen will be involved in a car crash, homicide, or suicide.

    Teen drinkers are more likely to get fat or have health problems, too. One study by the University of Washington found that people who regularly had five or more drinks in a row starting at age 13 were much more likely to be overweight or have high blood pressure by age 24 than their nondrinking peers. People who continue drinking heavily well into adulthood risk damaging their organs, such as the liver, heart, and brain.

    How Can I Avoid Drinking?

    If all your friends drink and you don’t want to, it can be hard to say “no, thanks.” No one wants to risk feeling rejected or left out. Different strategies for turning down alcohol work for different people. Some people find it helps to say no without giving an explanation, others think offering their reasons works better (“I’m not into drinking,” “I have a game tomorrow,” or “my uncle died from drinking,” for example).

    If saying no to alcohol makes you feel uncomfortable in front of people you know, blame your parents or another adult for your refusal. Saying, “My parents are coming to pick me up soon,” “I already got in major trouble for drinking once, I can’t do it again,” or “my coach would kill me,” can make saying no a bit easier for some.

    If you’re going to a party and you know there will be alcohol, plan your strategy in advance. You and a friend can develop a signal for when it’s time to leave, for example. You can also make sure that you have plans to do something besides just hanging out in someone’s basement drinking beer all night. Plan a trip to the movies, the mall, a concert, or a sports event. You might also organize your friends into a volleyball, bowling, or softball team any activity that gets you moving.

    Girls or guys who have strong self-esteem are less likely to become problem drinkers than people with low self-esteem.

    Where Can I Get Help?

    If you think you have a drinking problem, get help as soon as possible. The best approach is to talk to an adult you trust. If you can’t approach your parents, talk to your doctor, school counselor, clergy member, aunt, or uncle. It can be hard for some people to talk to adults about these issues, but a supportive person in a position to help can refer students to a drug and alcohol counselor for evaluation and treatment.

    In some states, this treatment is completely confidential. After assessing a teen’s problem, a counselor may recommend a brief stay in rehab or outpatient treatment. These treatment centers help a person gradually overcome the physical and psychological dependence on alcohol.

    What If I’m Concerned About Someone Else’s Drinking?

    Sometimes people live in homes where a parent or other family member drinks too much. This may make you angry, scared, and depressed. Many people can’t control their drinking without help. This doesn’t mean that they love or care about you any less. Alcoholism is an illness that needs to be treated just like other illnesses.

    People with drinking problems can’t stop drinking until they are ready to admit they have a problem and get help. This can leave family members and loved ones feeling helpless. The good news is there are many places to turn for help: a supportive adult, such as your guidance counselor, or a relative or older sibling will understand what you’re going through. Also, professional organizations like Alateen can help.

    If you have a friend whose drinking concerns you, make sure he or she stays safe. Don’t let your friend drink and drive, for example. If you can, try to keep friends who have been drinking from doing anything dangerous, such as trying to walk home at night alone or starting a fight. And protect yourself, too. Don’t get in a car with someone who’s been drinking, even if that person is your ride home. Ask a sober adult to drive you instead or call a cab.

    Everyone makes decisions about whether to drink and how much even adults. It’s possible to enjoy a party or other event just as much, if not more so, when you don’t drink. And with your central nervous system working as it’s supposed to, you’ll remember more about the great time you had!

    Date reviewed: September 2016

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    In 2007 my wife and I experienced our first *********. We actually ended up with 4 ********** with our friend Rob. My wife and I got married in October of 2007. She ended up working at the Spokane Airport on a swing shift and my job had me working day shifts. We definitely.


    36-40. M 3 Nov 6, 2012

    Pam came up to my apartment around 1 AM and she looked very sexy. Her hair was sexily mussed, lip stick gone, and she smelled of cologne, perfume, and *****. I kissed her as she came in and told her she looked beautiful. Her kiss was very hot and she told me that I was tasting.


    18-21. M 4 Responses 4 Sep 3, 2011

    The other day, my wife informed me that she reconnected on facebook with an old friend from grade school. In the process of their catching up, he invited her out to San Jose with him and he would take her up through Napa Valley and they could do wine tasting and all. They.


    31-35 1 Response 2 Sep 16, 2010

    I confessed my hotwife fantasies to my girfriend around six months ago, I was afraid to tell her for some time and didn’t think she would react favourably. However I could tell by some of her responses and questions that she was actually curious and a little excited by it.


    26-30. M 3 Feb 27, 2010

    my boyfriend and I are both 24 and are engaged. we have had an open relationship for the past 2 years and it works great for us. We are taking our time to get married but know we want to do it later. My bf loves hearing about me and what I do when I go out with Jason (the.


    22-25 3 Responses 12 Nov 5, 2010

    Well as you know my wife and I have entered into a lifestyle of me letting her date and be with other men. At this point we had only had *********’s and she dated Tom once. My professional and public life took off like a rocket in 2008. So her dating became kind of null and.


    36-40. M 2 Responses 2 Nov 10, 2012

    Things have moved very fast for both Kathy and Roger, with the help of their friends Jan and Greg. Roger has played around out side of her ***** and has shot his ***** all over her vulva and used it for lube to make her ***. She was far from fertile at that time. This past.


    18-21. M 1 Response 1 Nov 9, 2010

    relationship where my wife openly dates older men (usually 50+). We have been in this kind of relationship for 4 years now, and we have been very happy since we started it, met a lot of people and have a lot of fun. As for descriptions. She is 5′ 3″, 140lbs, cute face with a.


    31-35 4 Sep 27, 2015

    My wife has been seeing her special partner now for just over 4 years usually about once a month and they have been trying to get more than one night together for the last year. My wife has wanted to spend the weekend with her boyfriend ever since I suggested more than just an.


    56-60. M 4 Responses 6 May 19, 2013

    Kathy had her first “official” date with Roger this past Friday and from what Jan told me, they had a wonderful time and to “help her apartment mate out”, Jan spent Friday night and Saturday morning at her boyfriends apartment so Kathy and Roger would have some where other than a.


    18-21. M 2 Oct 31, 2010

    So much has happened since the last time I posted a follow up on the EP. Kathy is no longer a virgin and if I was a betting man, I would put money on by this time next year, Roger and Kathy will be going to Thanksgiving dinner with Roger probably holding a baby seat Kathy gave.


    18-21. M 1 Response 2 Nov 26, 2010

    How many of you have a long distance dating relationship? Kathy and I were attending Towson University, near Baltimore. We are both in our third year. This year one of her long time girlfriends convinced her to transfer to the University of Virginia in Richmond. She is studying.


    18-21. M 1 Oct 25, 2010

    Little background – dated nearly 10 years. 3 years into our relationship we got into sharing. She started going out with other guys at my encouragement. The lifestyle worked for us, we both liked it. I continued to encourage her and she continued meeting and dating different.


    22-25. M 2 Responses 4 Jan 4, 2013

    2009 was a normal year for us. Nobody really caught our eye as far as dating or even really going to bed with. So we spent that year working on our home improvements. Which included building a back deck (The Oasis) and adding a hot tub. We love throwing party’s at our house.


    36-40. M 1 Response 1 Jun 12, 2013

    I, like many men, am turned on by other men’s interest in my beautiful wife. She used to think it odd and a bit funny but also quite liked the freedom to flirt. Over the years I convinced her that having other men as friends was OK and that I was not at all jealous. Eventually.


    56-60. M 2 Responses 4 Apr 21, 2013

    i should start off by saying our marriage started with my wife ******* another man on our honeymoon (see other stories). we had an agreement that she could have sex with others and our marriage has been “cuckold” type of marriage that works for us. My wife started having sex.


    46-50. M 1 Nov 9, 2010

    My 3 Favorite Places to Meet Women #japanese #dating

    #how to meet women


    My 3 Favorite Places to Meet Women

    Just out of curiosity. where do you go to meet women? Have you actually thought about what places might be BEST for meeting a lot of single girls?

    Most guys focus on the wrong thing when they’re first learning how to meet women. They try to pick them up in the most impossible places, like food courts, or shopping centers.

    The problem with that is that they’re there to either eat or shop. They are NOT there to meet people, and they’re certainly not there to find a date. Their defenses are WAY up, which makes it really hard for you to make a good impression. let alone get their phone number.

    Instead of going where the odds are against you, try meeting women in places that are very easy. Places where the women are already in the mood to talk to new people, and possibly find someone to date.

    Where might those places be? Well there’s a lot of them, but here’s my top three.

    1. Adult Learning Classes (usually at night)

    Have you ever received a catalog from your local High School or Community College that features all sorts of different night classes for continuing education? I get them every season, and I always read through them carefully.

    You see, single women try to keep themselves busy. And the best kind of women to be with are ones who are always learning and growing. When you’re looking through the catalog, try to choose classes that are going to be filled with mostly women. Classes like:

    • Arts Crafts
    • Cooking
    • Relationships or Communication Skills
    • Yoga or Pilates
    • Dance Instruction
    • Massage

    and plenty of others.

    Go ahead and check out your local catalog right now. Here’s what you have to do. Call your local High School, and ask them where Adult Learning Classes are being held. Even if they aren’t at that particular school, chances are they will know where you can find them.

    If you like this article, you should download my FREE 45 page ebook – The SoSuave Guide to Women and Dating. It’s packed with simple yet powerful tips to help you become a virtual superstar with women.

    2. Group Dance Lessons

    I LOVE group dance lessons. Especially Swing Dancing, Salsa, or any kind of general Ballroom Dancing class!

    Most guys have no interest in learning this kind of stuff, but most women DO. Almost every time I’ve attended a group dance lesson, the women all had to dance with the other women, because there was hardly any men in the class.

    I’m serious, one time there was 18 women and only 2 men!

    Do you see how the odds are GREATLY in your favor? They women prefer to dance with the men, but they are willing to dance with other women, because there’s no other choice. But you better believe that when it’s their turn to dance with YOU, they won’t want to let you go.

    I’ve met some very sexy hip women at group dance lessons. Even if you don’t meet anyone you like, you’ll have an important skill that will put you ahead of 90% of other guys who can’t dance at all.

    Go ahead and look up some local dance schools, and ask them about lessons. Try to pick some place fairly large. They are usually large, because they get a lot of people. The more women, the more opportunity for you. Expect to spend around 100 bucks for an introductory lesson package, which probably includes five to ten group lessons. It’s worth the money, trust me on this.

    3. Internet Personals

    I saved the best for last. The Internet Personals are the absolute BEST place to meet a lot of women for very little money. Here are my 3 favorites:


    I want to warn you, though. Adult Friend Finder is mostly for people who just want to find a sex partner, not a relationship.

    If you want to get some serious results from the personals, expect to spend around 100 bucks per month in membership costs. It’s worth it to join a few sites, so you can spread yourself out a little more. If you think about it, it’s really easy to spend way more than that buying drinks for women at bars. This is a much better investment, trust me.

    SIDE NOTE: If you don’t mind putting down a few hundred dollars up front, you save save a LOT of money by paying for an entire year. Most sites are 19.95 per month, but if you pay for the whole year, it comes out to 10 or 11 dollars per month.

    Take your time, and actually read the ads from the other guys who use their service. Save the ones you like the best, and model your ad after theirs. And make sure you have a GOOD picture of yourself. I suggest having at least 2 or 3 different pictures.

    Maybe one can be a face shot. The next can be some kind of action shot of you doing something fun. The third can be you posing with some strange animal or object (then you can tell the women you meet that you’ll share the story of that picture when you meet them in person).

    Give it a try. The Personals have come a long way, and it’s perfectly cool and acceptable to use them. There’s a TON of wonderful women waiting for you.

    I hope you got some new ideas from this article about where to find some great women. Now it’s time to learn how to make out with them on a date.

    That’s what my new report is all about. I call it The Makeout Mastery System. It’s a collection of my absolute BEST tips, secrets and techniques for getting physical with ANY woman. even if it’s on the first date. I have a special web page set up for you.

    Go ahead and check it out now, while it’s fresh in your mind.

    P.S. – By the way, I just added a special new Bonus Report called How to Get Her to WANT to Take Her Clothes Off .

    This special Bonus contains absolutely sizzling techniques and ideas that will powerfully magnify your ability to get any woman to gladly get NAKED with you. Check out that URL to see what you’re missing.

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    New Bedford, MA 02740