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Answers to Money Questions.
Here are some hot tips about money. This is the type of stuff that everyone should be taught in school, because it seems that a lot of people go through life clueless when it comes to this info. What do you tip on a trip? The American Society of Travel Agents offers these guidelines for normal service: The cabin steward on a cruise ship should probably get from $3 to $3.50 per person per day. In general, tip doormen $1 for hailing a cab, airport skycaps a minimum of $1 per bag, and bellhops about $10 for bringing you to your room with lots of luggage. As for waiters, wine stewards, bartenders, and room service waiters . . . each one gets 15% of his or her bill. (Or more for extra service or at very expensive places.) To be covered by the Fair Credit Billing Act, contested credit card bills must be reported in writing within 60 days of the postmark on your statement. Keep copies of what you send. While your claim is being investigated, you don't have to pay the disputed portion of the bill - but you do need to pay the rest of the charges. During the wait, however, the charge is not a delinquent debt. How long before you can access that deposit? Federal law says that cashier's checks, government checks, and cash deposits must all be available for use on the next business day. However, banks are allowed two days to credit you with a cashier's check for more than $5,000 and five days if the check is drawn on an out-of-state bank. You may have experienced this yourself. A lot of Banks will often tell you one or two weeks! Just be polite, and clue them in to the above regulations which are, after all, the law. And remember, it really is your money, and not the bank's! That bags it for this issue. Unless of course you want some MORE HOT TIPS! Yours In Answer - April May
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