There are several financial institutions like credit unions and banks that don’t use ChexSystems to determine whether you are trustworthy enough to open an account. Since ChexSystems contains information on your previous account history, a poor ChexSystems report could make it difficult for you to open a new account. Therefore, institutions that don’t review these files are also called second-chance banks or credit unions.

If an old credit card is disposed of improperly, it could be used to charge your account without you knowing. With identity theft and fraud running rampant, it’s vital to know what to do with an expired credit card. Fortunately, there are various methods, many free, that can be used to take care of old credit cards and avoid fraud.

What are the costs and legal requirements to get married at a courthouse? Every county and state has its own fees and legal requirements to get married. Some courthouses charge rather high fees, whereas others are much cheaper. Plan to spend at least $50 to $100 to legally get married at your local courthouse. This article explains the ins and outs of courthouse weddings in various counties and states.

“Estate for years” is one of several less-than-freehold estate leasing terms used in real estate. This type of lease classification specifies tenancy with a definite start and end date. This term is also referred to as “estate for term” or “tenancy for years.”

Companies in the basic industries field provide raw materials for other companies to produce or manufacture goods. This is one of the largest industry sectors in the United States and plays an integral role in the global economy.

Technically, uncashed personal checks have no “expiration date.” That being said, a bank is not required by law to accept personal checks more than six months (180 days) old. In good faith, some banks may cash personal checks older than six months if the account is still active and funds are available for payment. However, the rules are different for certified checks, U.S. Treasury checks, money orders, and traveler’s checks.