Here are 5 things you should know.
1. You can deposit a lost wallet in any U.S. post office box and they will return it to the address found on the wallet. Free of charge.
Losing a wallet is an absolute inconvenience and could hold sentimental value to someone.
2. All “Name A Star” or “Buy A Star” companies offering you to name a celestial body are a scam.
Only the International Astronomical Union (IAU) has the authority of naming stars. They address it here: https://www.iau.org/public/themes/buying_star_names/
All you’re buying is an entry in a private database but the name you gave will not appear in any official database used by scientists.
3. When calling someone about a minor car accident, always start the conversation with “I am okay” or “I am going to the hospital to get checked out for XYZ” to prevent unnecessary distress.
Hearing the words “there was an accident” is one of the most terrifying, heart-wrenching experiences you can have. Do your loved ones a favor and when you call them, open the conversation with “I am not hurt and I’ve been in a car accident” or a description of the injuries and severity so they don’t assume the worst.
Save your friends and family a gut-wrenching emotional experience.
4. US credit/debit cardholders are Federally entitled to compensation for unauthorized transactions.
Commonly you will see commercials for various banks that list that “you’re never responsible for fraudulent transactions”. This is NOT a perk or done out of the goodness of their hearts. You as a cardholder (consumer not business) are entitled to Federal Regulation E. If you search out this in Google it has probably as many pages on the CFPB’s website, but if you shorten your search you will see that by law unauthorized transactions are the liability of the bank or merchant. This includes store cards, credit, and debit.
There are many exceptions to Reg E such as the broad paintbrush of investigations. To make this short and sweet, if you do not have a relationship with the merchant and/or didn’t initiate the transaction it should be an open shut case and YOU CAN ask for a provisional credit if debit-based. A lot of scenarios actually call for credit to a customer in 10 days from opening.
5. Always remove the cotton that comes inside your pill bottles. It can draw in moisture and is only meant to be there during shipment.
All medicine expires, but it will expire sooner if you don’t take the cotton ball out. A lot of people keep the cotton inside to prevent pills from rattling around, but you should know it can be detrimental.