Q:I have a Power of Attorney to cash another person's check. When I take it to the bank, what will they do with it? Do I give them the original? Will they make a copy of it? Will I need to and how do I endorse the check? Does the Power of Attorney accompany the check through the banking system, or does the bank just keep it on file? I understand that many banks will not cash checks with a Power of Attorney that is not my question. My question is *IF* they cash a check with a POA, what do they do with the document? How does the paperwork flow?

Generally they will simply need a copy of the POA document and then will attach a note on the account when it was applied, and where the document is stored for example: POA Xyour nameX on file at branch 123, 3/24/08. Other banks will scan it into their document image system to be included in the account file. Each bank will have a different protocol. - it will not however travel with the check the whole way through the system - the bank of first deposit will verify the validity, and then their mark is sufficient for the other holders in due course. As to how to endorse: (person named on the front) by: (your name), Attorney in Fact

Q:cogitate and discuss:

Two answerers have said this can't be done but doesn't North Dakota already run a bank? Prinitng money is a different thing, no one state can or should be able to print dollars - but there is no reason why the Fed shouldn't. The Fed' Reserve 'creates' money buy turning small deposits into massive chunks of debt.

Q:I have a small battery bank used in my solar powered workshop anyway back to the question.I wanted to run some garden light from my power inverter about 200watts of lights what battery capacity would i need to run that for lets say 12hours

To pull 200 W from a 12 V batttery for 12 h PU * I (Ohm's law) It will draw at the rate of 16 2/3 A Therefore you need to have a battery of 12 * 16.6666 * 12 2 400 Wh total capacity. Read the label on your battery. If it is a bank of several batteries, then the capacity it's the sum of all. Now, you should worry about how deep you are discharging your battery. A NiCad cell can go practically to zero and happily recharge again. Don't let it go absolutely flat, then it may re-charge with opposite polarity. (!) A Lead Acid cell (and most automotive types) will not recharge well if you discharge them more than about 40 % (of total rated capacity) - Yes, that is true, automotive batteries are not made to be discharged often. NiFe (Nickel-Ferrite) cells are very safe for repeated discharges too. (Mr. Thomas Alva Edison's contribution to the world) Most other cells in use today can be deep-discharged without ill effects.

Q:A company based out of Dallas,TX has somehow acquired my account number and has charged me for 26.90.That 26.90 has put me into a deficit of 35 additional dollars. I live in North Carolina and have never heard of this company, never authorized any charges for anything, and never been contacted by them.I have attempted several times to call them and I receive no reply.I left several voice mails and for a company that says on the phone that it's hours are 9-5CST, I find it quite disturbing that no one in their customer service department is available every time I call. What can I do? Also, my bank has already taken 277.68 from my monthly disability check of 541.00. So I have to get by on 260 this month? How's it legal for them to garnish my wages like that? Shouldn't only the IRS have that power? Would a suit stand in court against my bank because of this garnishing of my wages?

Whenever you have an unauthorized charge on your bank account you should notify the bank and tell them that the charge in question was not authorized. You have 90 days from the effective date of the charge to have it reversed by the bank.

Q:FDIC has budgeted for ~100 bank failures in 2012, up from 90 in '11. Foreclosures:foreclosure processing delays in 2011 have artificially exaggerated what would have been a slow, natural decrease in foreclosure activity off the foreclosure peak of 2010. This artificial trough in foreclosure activity in 2011 will result in a corresponding double-peak in 2012.

The market needs to cleanse itself. I assume you know this from seeing your previous posts.

Q:I need to certify an application for replacement of my damaged Canada passport? Can anyone please confirm if a bank manager can complete the role of a notary public to certify the replacement application? Thank you for your time.

If they don't, someone at the bank should. It is pretty common for a bank to offer this service. If not, any real estate escrow company will have a notary on staff, just call ahead and ask them for the service.

Q:Can a small scale wind generator power enough batteries to power a 5 ton air conditioner? And if it can, how large of a battery bank would I need, and would a 220 power converter be good enough.

While I'm not sure how much power your air conditioner will need (different units have differing efficiencies) but for a first approximation we might guess around 5KW. 5KW is on the larger side for residential wind turbines, but should be possible. Next problem is how much does the wind blow, if it is constant, or at least constant when you need air conditioning, then you don't need much of a battery bank. But you'd be lucky if that was the case, if you do need to store power for when the wind is low, then the turbine need to be sized to run the AC and charge the batteries, so an even bigger turbine will be needed. As you can see how much wind you have is a critical factor. A for size of battery bank, just to make the math easy I'll assume you need to store enough power to run the AC for 10 hours (this is just a wild guess, it might be far different) 5KW x 10 hours is 50,000 watt/hours, on Wikipedia I found a claim that typical energy density for lead acid batteries for this application is between 30 and 40WH ber kilogram, using the average, you'd need around 1400Kg (~3000lb) of batteries. There are really too many variables too give a good answer here, if you would have no problem spending $20,000 (and wouldn't totaly freakout over $50K+) then contact a local consultant for more information. If you can't afford that, it is probably not really worth giong any further since $20K is at the very bottom of the price range for that size of instalation.

Q:I'm doing a mock trial, and I have to question Nicholas Biddle. I'm defending Andrew jackson that he did not violate the separation of powers wen he destroyed the bank. I have already questioned John Marshall and Andrew Jackson, asking questions along the lines of is the veto unconstitutional. Any ideas on what i can ask Biddle about the bank and if he thinks that Andrew Jackson should be innocent since all he did was veto? Questions can be about anything related to the bank

Ask him questions centering around the idea of whether it's right for one man to have so much power over other people's finances. Andy lost a lot of money because of the bank, so you could bring up that too. Do a lot about the common man power of the people

Q:Hello all, I am hosting a Halloween party and am looking for a power strip with 12+ outlets and a on/off switch for each outlet so that I can turn on one or two props at the same time. Does anyone know where something like this could be found? I have looked high and low and have has 0 luck! Please help, Thanks for reading

Look into outfits that supply power solutions for computer servers. Otherwise, DIY. I would extend it further, to instead of having manual witches, use a computer to control a bank of SSRs. That is done by Christmas lighting enthusiasts. They even have commercially made UL approved solutions.

Q:If I want 2 use my bank card 4 credit rather than debit do I still need 2 have the amount in my checking account? I've never done it b/4 and the powers out at my apt, its sunday and I need a hotel room.ty

yes you must have the money in your account. With debit cards because of holds and actual transactions you should have 2 times the amount needed in your account to be safe from fees for over drafting. Big deal the power is out-make due what is so important really to spend money for a night of no power.