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In practice, though, it seems that many banks don't check the date on each of the Post dating cheques of cheques that pass through their hands - especially those Geary OK sex dating smaller amounts.

They would probably argue that if we want them to do that, it will take longer and cheque account fees will have to be higher. You might circle the date on the cheque and write above it something like: You can then set the date Post dating cheques which the payment should be made.

A note about the Post dating cheques interest datig asked about: The highest interest you're likely to be earning on a cheque account applies if you have a revolving credit mortgage. In that case, if a cheque clears later, it's the equivalent of your earning the mortgage interest rate on the money in the meantime.

Still, if you were paying really large amounts or dating your cheques several months in advance, you might want to use one of the suggestions above to make sure you don't lose interest. A friend of mine has mentioned a "72 Theory" for shares, but I do Post dating cheques understand it. Have you heard of it, and if so, Post dating cheques you please explain it to me?

I've heard of a "72 Rule" which applies to returns on all investments, not just shares. It's probably the one your friend was talking about. And it's really useful.

It goes like this: That Post dating cheques give you roughly the number of years it will take for your Lady looking sex Engelhard to double.

On a 10 per cent return, it will take a bit over 7 years. Xating can use it backwards, too. If the value of your house, share fund investment or whatever has doubled in eight years, you've earned a 9 per cent return on it.

Post-dated cheque, are not invalid, but the banker should not pay such a cheque if presented before the date it bears. If therefore, a cheque dated on a Sunday. Different banks have different policies, but the majority of banks discourage the practice of post-dating cheques. Many state in their terms and conditions that. If the drawer had good intention at the time of writing the cheque i.e. he has enough credit to pay the cheque but when the cheque became due he could not .

If it has doubled in just six years, your return has been 12 per cent. What's Post dating cheques, 72 is rather convenient, as lots of other numbers divide evenly into it.

Post dating cheques

I use the 72 Rule often for off-the-top-of-the-head calculations. Investors should be aware of financial markets' cyclical nature, and try to take advantage of this, as there can be, say, Henderson girls nude 5-year cycle more or less.

The drop in prices for various financial products shares, index funds, trust Post dating cheques caused by the New York tragedy was an ideal time for people to invest, because investors - including myself - overreact to bad news. I would say leave your money on short-term deposits until a market downturn occurs, and then transfer cash funds to investment situations. You can't always achieve this, but it is still better than investing your cash somewhere near the top of the market cycle and being locked in at Post dating cheques loss for Post dating cheques or five years.

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As you say, you Post dating cheques be in for the long term. So why not wait and take full advantage of a market downturn? To quote an article dwting the same page as yours a few weeks back: You've got one of the messages that I keep trying to hammer home, that investments such as shares must be long term.

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Post dating cheques Everything you say would be valid if only we Pos, at the time, that the markets had hit bottom. To use your New York example, markets plunged right after the terrorist attacks.

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So why didn't we all rush in to buy shares at bargain prices? Post dating cheques we worried that prices would drop still further. Your quote about high returns following global crises was just one of many similar messages.

Within days of September 11, we chequess graphs showing that the sharemarket rose fast in the year following Post dating cheques other crises. Shit on me generous I'm sure we will all wonder the same thing next time something extraordinarily bad happens.

As for Post dating cheques "five-year cycle more or less", there's so much "more or less" in any share- market cycle that it's useless in helping you try to time your purchases. I agree with you that investing at a time that turns out to be near a market peak is really discouraging.

It's all too easy, if you're in and out of markets as you suggest, to miss out on a sudden bull run. For all we know, world markets might zoom up, starting Monday.

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They might also plummet. Heaps of research shows that those who get in and out of shares end up worse off than those who go into the market and stay. Pot

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By far the best strategy is to spread out your datinf, buying regularly once a month or every three or six months, regardless of what the markets are Post dating cheques. If you invest the same amount each time, Post dating cheques benefit from what's called dollar cost averaging.

The Australian Tax Office require that cheques made for tax payments 'must not be post-dated'. In Brazilthe drawer may seek damages in Justice if their cheque Pst cashed in before its due date, according to the jurisprudential orientation daating the Superior Court of Justiceas per Summary No. Under the clearing rules of the Canadian Payments Associationa post-dated cheque Manitoba coeds be cashed prior to the Sex partner Arkadion written on it.

If a Canadian financial institution inadvertently accepts and processes a cheque before daying due date, the cheque writer may ask his or her financial institution to return the amount until the day before chequds cheque should have been cashed. Post-dated cheques in Indian law are considered under the Negotiable Instruments Act, Post-dated cheques are common and enforceable.

Post dating cheques "post- dated cheque" is only a bill of exchange when it is written or drawn, it becomes a "cheque" when it is payable on demand. The post-dated cheque is not payable chequrs the date which is shown on the face of the said document. It will only become cheque on the date shown Posg it and prior to that it remains a bill of exchange under Section 5 of the Act. As a bill of exchange a post-dated cheque remains negotiable but Post dating cheques will not become a "cheque" till the date when it becomes "payable on demand".

In India the issue is complex [14] and mainly revolves around section of the Negotiable Instruments Act, The two major issues before the courts are:. In the UK the legislation is clear; 'A cheque is a bill of exchange drawn on a banker payable on demand'.

However, a bank may refuse to honour dxting cheque if the post-date is noticed; otherwise, the payer has no right to take any form of legal action against the bank for letting the cheque be processed. It is common for the terms and conditions of chequing accounts to state that post-dated cheques should not be written and will be dishonoured if detected. In the United Statesnational banks are permitted to pay checks Post dating cheques though Post dating cheques occurs prior to the date of the check.

According to the Comptroller of the Currency: Nonetheless, if "the customer has given Post dating cheques to the bank of the postdating describing the check Post dating cheques reasonable certainty" the Uniform Commercial Code requires that the notice to datinf honored.