How to Cancel a Check

(TNS)—Do you have a checking account? What should you do if you sent a check to someone and it hasn’t arrived weeks later? If you’re worried that it may have been lost or stolen, it’s critical you cancel it, or stop payment, as soon as possible.

Here are the steps to cancel a check—and what it may cost you.

Personal Checks vs. Cashier’s Checks
Your personal check contains your name, your account number, a bank routing number, a check number, the payee’s name and the amount payable. When the payee’s bank receives the check, your signature authorizes the bank to transfer funds from your account to the recipient’s account. Usually it takes a couple of business days for a check to clear once it’s been deposited. If a check hasn’t cleared, you can stop payment on it.

A cashier’s check, on the other hand, is drawn directly on the bank that issued the check and not on your account. You may need to use a cashier’s check when you are making a large payment, such as a security deposit on an apartment. You pay the bank the sum needed and a small service fee of $10 or so, and the bank guarantees the funds to the payee. In most cases, banks must honor a cashier’s check when it is presented, and a stop payment is not available.

How to Cancel a Check
If you made an error when writing a personal check—such as making it out for the wrong amount—or if you think the check may have gotten lost in the mail, the first thing you should do is review your account’s transaction history online or call the bank’s 800 number to find out if the check has already cleared.

If the check has not been posted, contact your bank to stop payment. You’ll need a few pieces of information to do this:

  • Your account number
  • The exact amount of the check and who it was made payable to
  • The check number

If you are enrolled in online banking, you can stop payment on a check from your mobile device or computer. Otherwise, you’ll need to call the bank or visit your branch office.

If you make your stop-payment request in time and in writing, your bank won’t be able to cash the check for six months. After that, your stop payment request expires and the check could be paid. Many banks, however, don’t honor checks after six months have passed (but be sure to ask your bank). If you make a stop payment request by phone and do not follow up in writing, the bank can cash the check after 14 days. That’s why it is important to renew your request in writing.

If your check has already been cashed and you suspect fraud, contact you bank so it can initiate an investigation. By law you are generally not responsible for a check if someone forged the signature of the person to whom you made out the check.

Cost of Canceling a Check
Depending on your bank and the type of account you have, you may have to pay a fee of between $15 and $30 to stop payment on a check. If you have an interest-bearing checking account with a fairly high monthly minimum balance, the fee may be waived altogether. Contact your bank to find out exactly what you can expect.

Visit Bankrate online at www.bankrate.com.

©2018 Bankrate.com
Distributed by Tribune Content Agency, LLC

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$52,500 :: 8167 FARNUM CT, Warren MI, 48093

Property Photo

2 beds, 2 baths
Home size: 1,000 sq ft
Lot Size: 0 sq ft
Added: 01/14/18, Last Updated: 01/14/18
Property Type: Condo/Townhouse/Co-Op
MLS Number: 21403655
Community: Warren (50023)
Status: Active

Fantastic End Unit with 2 bedrooms, 1 1/2 baths, basement, nice private yard and 2 parking spots right out front. Monthly fee includes gas (heat), water, property taxes, interior maintenance (includes stove, refrigerator, furnace, water heater, plumbing, etc) and exterior maintenance. $75.00 application Fee to Co-Op. Windows & furnace recently updated. Pets allowed. VERY WELL KEPT COMPLEX.

Listed with MI Realty Group


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$99,000 :: 31627 GREEN MEADOW LN, WARREN MI, 48093

2 beds, 2 baths
Home size: 1,355 sq ft
Lot Size: 0 sq ft
Added: 01/13/18, Last Updated: 01/13/18
Property Type: Condo/Townhouse/Co-Op
MLS Number: FL5030045288
Community: Macomb Twp
Tract: Bear Creek Village
Status: Sold

Well updated condo in desirable Bear Creek Village! Welcoming neutral colors will make you feel right at home, professionally designed kitchen & baths. Custom kitchen has been totally redone right down to the drywall, new counters and tile backsplash. Custom lighting including 2 main floor high end ceiling fans with night light, under kitchen cabinet lighting. 1st floor bath with custom tile walk in shower, 2nd floor bath with Granite counters & dual sinks. Custom entry with bench from private finished garage. Front landscape was professionally designed for this unit with many perennials & Japanese maple tree. Enjoy the pool and patio area! Condo fee includes; natural gas, water/sewer, trash, pool and common amenities.

Listed with Remax Grande


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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Infographic: How Recent Buyers Purchased Their Home

Demand and home prices are increasing, but that has yet to keep homebuyers out of the market. Here is how they did it:

For more information, please visit www.nar.realtor.

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$75,000 :: 14906 CHESTERFIELD AVE, Warren MI, 48089

3 beds, 1 bath
Home size: 910 sq ft
Lot Size: 4,791 sq ft
Added: 01/11/18, Last Updated: 01/11/18
Property Type: Single Family
MLS Number: 21403174
Community: Warren (50023)
Tract: HOPP & NEVILLE’S HALF
Status: Active

Potential investment or rental opportunity on this 3 bedroom / 1 bath home with 2 1/2 car garage.

Listed with KW Metro


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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3 Ways to Throwback Style

(Family Features)—When it’s time for a bathroom or kitchen upgrade, some of the greatest inspiration may come from another time entirely. Some of the most on-trend styles of today are actually throwbacks to bygone eras.

Learn how to make your updated spaces pay tribute to re-emerging trends and add your own modern touches with these three new-again looks.

Retro-Modern
A retro-modern design is unique in every way, with elements transitioning from the historically unfitted 1920s to 1950s charm and eccentricity. The result is a space that represents many eras and design styles, and the kitchen is the perfect space to bring this look to life.

Start by establishing a focal point for your retro-modern design, such as a functional nod to the past. Long before modern refrigeration, iceboxes were used in many of the homes in the early 20th century to keep foods fresh. It’s possible to mimic this look with the Wellborn Cabinet Premier Series, to achieve an icebox look that actually functions as storage space.

Use contrasting finishes, colors and textures to uniquely define a small space. For example, a modern cabinet scheme in a dark stain or paint contrasts beautifully with stainless steel hardware and a pop of color to break up the cold nature of stainless steel.

Then bring some uniformity with an option like Shaker decorative legs, which adds to the multi-era design feel. Deriving from the Shaker lifestyle and tradition, the tapering effect offers a beautiful yet simple design feature. Integrate the look across multiple elements, such as a wooden-style tapered leg icebox, along with stainless steel tapered legs on wall and peninsula cabinets, which can pair nicely with stainless-steel hardware and a 1950s Malt Shop grooved countertop.

Accessories are an important part of kitchen design, which is why they should be kept top of mind when building or designing that dream space. Features such as removable under-sink baskets and a double wastebasket kit lend ultimate practicality.

No matter the era, lighting is a must for a functional kitchen space. A carefully crafted, multi-layered lighting design is an essential component of a dream kitchen. An option like Hafele lighting, now offered through a partnership with Wellborn Cabinet, makes it possible to illuminate cabinetry, delivering ambient, accent, task and decorative lighting to create the right mood for any space.

Elegant
A beautiful, ornate bathroom with plenty of traditional features can truly be an interpretation of elegance in design. Plan for an abundance of luxurious, spa-like elements to achieve this look. Incorporate features such as warm hickory covering every inch of the walls and built-in lighting to set the tone for a relaxing atmosphere. Then incorporate antique-styled mirrors and glass hardware to create contrasts among the rich tones and texture.

You can create a distinctive alcove effect by situating the sink vanities directly between matching cabinet ends and recessing two mirrors into the wall. A decorative arch valance can add beauty and function, as this is an ideal place to tuck away lighting that provides depth and visibility.

Let a large soaking tub take center stage between the sink vanity and a custom makeup area. While you can rely on cabinetry for functional features, it’s also a way to continue adding elegant touches, such as a beautifully crafted tub skirt and arch that complements the vanity area.

No luxury bathroom is complete without a standalone makeup alcove outfitted with unique features like drawer dividers (perfect for hair accessories) and countertop hideaway cabinets. Consider creating a focal point using rounded spindles to create depth and allow the custom makeup section to stand out in the design. Lastly, embellish the distinguished look with molding options that highlight the feature areas and create a defined line around the room.

An elegant, spacious master bathroom is luxurious and functional, proving that practicality can be used in a glorious way.

Retro
Going to the extreme with your aesthetic with a retro design is all about fun, with features such as pops of color in the tile behind the vanities or fun and whimsical wallpaper. A 1950s-style bathroom lets you play on your childlike senses. From bright colors to mixed metals and textures, this unique design style pays respect to the era of carhops, Airstream Travel Trailers and Lucille Ball.

The key to making a throwback-styled design work for your contemporary needs is all in the modern elements. Think along the lines of illuminated drawers and cabinets and base pull-out wire baskets. These fun twists of technology paired with retro-styled elements make for a winning solution.

When it comes to the vanities and cabinetry, remember that both style and color can bring your retro design together. Don’t be afraid to step outside more traditional wood tones, and use unexpected colors, such as the pink hue available in Wellborn Cabinet’s ColorInspire program. For the woodwork, look for details such as conical-styled, slender legs that add to the 1950s feel.

Reminiscent of days past, a fabulous ’50s bathroom is the ultimate definition of an eccentric design.

There’s no time like now to begin planning your on-trend home upgrades. Explore the latest styles and home design options at wellborn.com.

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5 Interior Design Details for Winter

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Are you interested in adding a little seasonal oomph to your space? Below are a handful of cozy—and inexpensive—winter updates.

Cozy blankets galore. Nothing is better than a snuggly blanket on a cool winter evening. Drape heavier blankets over sofas, chairs or reading nooks, and even fold one up by the fireplace for stretching out on the floor. Just make sure it’s safely away from the flames!

Gray space. The color gray is a winter staple. Swap out your fiery fall throw pillows for a gunmetal shade, unroll a deep gray rug in the living or dining room, or update your window coverings to a gentle ash tone.

Candle craze. Soft lighting in winter can create a romantic, warm effect. Place candles around the house and ditch the harsh overheads as you settle in with that evening glass of wine.

Bring out your book lover. Stacks of books offer an inviting way to spend those chilly winter hours. Create attractive assemblies on side tables, shelves, inside your unused fireplace, or even in corners on the floor.

Wooden wonders. Adding wood accents to your home in the winter makes you feel like you’re living in a ski lodge. Pile logs in the corner for fire (or simple aesthetics) and add a rustic wood table by the sofa for setting that warm mug of tea. No table? Try a large, seasoned stump for some real rustic vibes.

Zoe Eisenberg is RISMedia’s senior content editor. Email her your real estate news ideas at zoe@rismedia.com. For the latest real estate news and trends, bookmark RISMedia.com.

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‘Aging in Place’ Begins Early: Report

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Homeowners are getting older, and to continue on in their current house, improvements are necessary.

“Aging in place,” however, is not just about adding railings and ramps—in fact, 46 percent of homeowners aged 75-plus began improvements early with the expectation that they would grow older, but stay put, according to a HomeAdvisor report. The most common remodels, the report shows:

  • Add Lever-Style Doorknobs
  • Add Pull-Out Shelves
  • Add a Smart Fire Detection System
  • Add a Smart Security System
  • Replace Stone/Tile With Carpet/Wood

Homeowners at an earlier stage, aged 55-75, are also making modifications, but not necessarily due to aging concerns (though they are, fortuitously, ideal for just that). These include adding automated features like a programmable thermostat or voice activation, and, in bathrooms, grab bars and higher toilets.

According to HomeAdvisor, a “holistic” movement is occurring—a comprehensive, and, at times, preventative, approach to living over the years. Early on, that could mean addressing issues that could be unsafe, like a cracked walkway. Later, that could mean cutting clutter and organizing (accessible storage, for example), or eliminating labor-intensive chores, such as adding gutters that clean themselves. The outcome is a lifestyle that is not only beneficial currently, but also crucial down the line, when age can impede the ability to carry out chores and upkeep.

Other key improvements to consider, the report shows:

  • Lighting
  • Modifications in Shower (Bench, threshold)
  • Moving Master Bedroom to First Floor
  • Ramps
  • Wider Doorways

Source: HomeAdvisor

Suzanne De Vita is RISMedia’s online news editor. Email her your real estate news ideas at sdevita@rismedia.com. For the latest real estate news and trends, bookmark RISMedia.com.

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$150,000 :: 26655 PATRICIA Avenue, Warren MI, 48091

Property Photo

3 beds, 2 baths
Home size: 1,219 sq ft
Lot Size: 7,405 sq ft
Added: 01/04/18, Last Updated: 01/07/18
Property Type: Single Family
MLS Number: 218000859
Community: Warren
Tract: CAROLE PARK
Status: Pending

Welcome to the neighborhood! This beautifully updated 3 bedroom brick ranch home comes with everything you could be looking for, right down to one of the best neighbors ever! Most of the house has hardwood floors that have been recently re-finished, crown molding through most of the main floor, open concept style. The basement is one of the prettiest you will find, with ceramic hardwood covering the floor, white new built-ins for the entertainment display, plumbed for a kitchenette (behind the stairs), for future expansion. It also has an office, private laundry area, large pantry and an absolutely exquisitely done bathroom. Main floor bath was recently remodeled, as well as 2 of the bedrooms and the kitchen. Kitchen has granite counters, wonderful backsplash, great storage perfect for entertaining. Newer 6 panel doors. The backyard offers a wonderful patio with a retractable awning and room to roam. This is a must see property if you are searching for your happily ever after!

Listed with Keller Williams Royal Oak Market Center


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$170,000 :: 11619 LYNCH CRT, Warren MI, 48093

Property Photo

3 beds, 2 baths
Home size: 1,601 sq ft
Lot Size: 7,405 sq ft
Added: 11/30/17, Last Updated: 01/06/18
Property Type: Single Family
MLS Number: 21394228
Community: Warren (50023)
Tract: ROBINWOOD ESTATES
Status: Sold

Well Maintained Full Brick Ranch with Generous Room sizes, Spacious 1st Floor Laundry, 2 Full Baths, Main Full Bath with Dual sinks, Cove ceiling and Nice Size Toiletry/Linen Closet, Hardwood Flooring in all 3 bedrooms and under carpet in Living Room and Hall way, Cozy Family Room with Natural Fireplace, All windows are Newer with exception of Living room. Built in China Cabinet and cove ceilings in Dining Area, Inviting Covered Porch, Newer Hot water Tank and Furnace, New Architectural Roof 2017. Attached Garage with Door Opener and side service door, Seller has never lived in home and is the representative for the Trust, filled out disclosure to the best of his knowledge and home is “as is”

Listed with Keller Williams Rochester


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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