Decades ago I was comparing my check book to bank statements, and they just didn't jive but I couldn't figure it out. I always enter my checks, subtract, balance and just couldn't figure it out. For some reason the bank statement said that I had a few hundred more than I showed, and it went on for several months. I couldn't figure it out, so finally gave in and credited myself the few hundred...and then used it. A month or two later I got an overdrawn notice from my bank, and by the time I got the statement, they ran the check through for the second time. My overdraw fees were $50, and worst of all? The few hundred that didn't balance was a check to the IRS for underpayment at tax time and believe it or not they took their sweet time cashing it. Holy cow. I bounced a check to of all people, the IRS. I was out a $100 for back to back overdrafts, I owed a penalty to the IRS for underpayment and then late payment because they demanded a certified or bankers check because I became untrustworthy.
If you balance you check book and know that you're correct, you probably are. And if you're going to screw around and bounce a check, accidentally, of all people, not the IRS. Do NOT bounce a check to the IRS.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
... [Read Article]
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