A Banking Program: Fill & Download for Free

If you are going to a top 10 school, you might be able to get a bank loan in the US through the school without a guarantor. If that is not an option kindly don't pursue the program. Don't take a loan in India and put your family to strain. Given the visa issues (non STEM degrees don't easily get H1) it is not easy to repay the loan these days. Without the option of working in the US, a degree there is not as useful. I have seen a number of students get into trouble.If you are a middle class, just look for STEM programs at top universities — unless you get a scholarship. MBA programs are no longer a means to grow up the prosperity ladder.

Simple case. Contractor didn’t get paid and sued the Owner. The owner (my client) swears he paid and has a $35,000 check to prove it. Gave me the check. The front and back of the check from his bank were all made out and endorsed by the contractor. There were four other checks like it over a period of months with signed pay applications, lien releases and contractor affidavits just like with this one. But the contractor was insistent that he never got the money. I even had a copy of a bank statement from my client showing the check going out.Well, maybe one of the contractor’s people cashed the check and stole the money. Maybe his bookkeeper messed up. Maybe there was a bank error. Or maybe he is just a liar and wants to be paid twice. It’s happened before and this contractor was not really on top of things. I don’t know and I don’t care. I have proof the check was written, delivered and deposited in his bank with the Contractor’s endorsement. He even admitted it was his stamp on the check.Time to get ready for trial. Not going to be much of a trial because this is a slam dunk. Contractor is proclaiming he never got the money, but even he is puzzled after examining the check. He produces a bank statement that shows no such deposit. However, it’s a copy (he didn’t have the original paper copy) and it could have been altered. His bank says they don’t have a copy of the check because it was not their check. They are supposed to retain pictures for a period of time, but those are retained in a secure depository in a mountain in Utah and it may take weeks to recover. But they also say it is posssible it was not deposited, but cashed instead. So, his bank is no use to him. The trial is only a month away.I’m going to win in a walk.I need a bank witness to testify to the check and the routing and authentication. I call on the contractor’s bank with a subpoena and as we discuss it I notice that the four other checks I have are real similar. The missing check has an endorsement that looks just like another check. The endorsement looks too much the same to me because of how it is centered on the check. I get the original check out and learn all about MICR numbers from the witness. Those numbers on your checks are made with magnetic ink. So I check the check my client says he paid the contractor with and guess what? Nope, they don’t read. Not real MICR numbers? We can’t run it through the machine at the bank. The paper is right, but the numbers don’t work. The bank guy is puzzled and explains that after handling as much as this check has been handled, it’s possible the check has been damaged. I thank him and leave. Bad feeling.After more checking, some techy things and using a mark-1 eyeball and magnifying glass, it is clear to me my client forged the check and the contractor never got paid. Image editors are wonderful programs, but they can’t hide everything.I can’t rat out my client and I can’t tell the other side. But I can bring down the wrath of God on my client. Eventually the truth came out that “somebody” for the owner “might have” created the phony check. That bank statement is equally puzzling. Nobody is sure who did it or what happened, but why don’t we just drop it? I’ve done a good job. So good that the other side is willing to drop their lawsuit and walk away because even they are not sure they didn’t actually get the check. In my mind that’s bullshit. Right, wrong or indifferent, my client used me to scam the contractor.In the end my client “decided” to pay the contractor the 35K, plus interest, plus their attorney fees, and my fees and costs and we all quietly closed the case. Terrible misunderstanding and even though my client was “paying twice” he proclaimed he wanted to be “fair” and “do the right thing.” My case was a winner, until it wasn’t. And I lost a client, too.

When my son was looking for a car we were interested in a 2017 KIA. The salesman told us our bank would not work with us on the loan and that we needed to go through the dealership’s financing to get a loan.We walked out even though we both really liked that car. One lie made us wonder what other lies were in waiting.We did see our bank’s loan officer. She told us that they wanted too much money for the KIA.We eventually bought a Toyota at another dealership. Our loan officer gave us an interest rate far below that of the first dealer.We did encounter one more lie at the second dealer. After the paperwork was all done they told us we had to wait two weeks to get our paperwork. When asked why, they said they needed to wait until the check cleared. It was a bank check, from a bank that has been in business since 1850.I think dealer #2 was miffed that we did not use their financing program.