Save Money Hosting Thanksgiving Dinner

Yes you can save money hosting Thanksgiving dinner

Get into the habit of hosting the biggest meal of the year and it has a way of mushrooming into 48 hours of cooking — following a grocery bill of at least $125 (for two dozen guests, both family and friends). While you might not be able to reduce the amount of time you spend in the kichen, you can save money hosting Thanksgiving dinner if you plan carefully. Continue reading

Can You Buy LuLaRoe Online?

buy lularoe online

LuLaRoe emerged as a direct selling company in 2014. Within a short period of time, it quickly grew and developed a strong fan-base among both sellers and non-sellers alike. Despite their recent bad press, they still continue to rock the social media world and maintain sales. Women are still signing up to be what the company has titled a LuLaRoe Fashion Consultant, and new styles are added monthly. But, with e-commerce more popular than ever, the option to buy online can make or break retailers. So, can you buy LuLaRoe online?

How LuLaRoe Works

For those of you who may still be unfamiliar with the process, LuLaRoe is a direct selling company that earned popularity originally through their leggings. One of the their taglines, “where fashion meets comfort,” resonates with so many women, both in the professional world and in their personal lives. The company was initially designed as a way for the stay-at-home mom to make an income while still raising her family. Not just that, but what truly sets this multi-level marketing (MLM) company apart from others is that each seller receives different patterns and styles, making it somewhat easier for multiple women in the same area to distribute the product. However, whether or not you can really make a living selling LuLaRoe is still up for debate, but it appears to all come down to the individual selling.

Typically, those who do decide to sell are encouraged to turn to social media, which is undeniably a beneficial way to sell online. Most start Facebook groups, as advised by their LuLaRoe “upline” or coach (someone doing well in the company and is able to coach others on how to be successful while also making more money from their sales). To become a consultant, you pay roughly $4,000 to $6,000 to begin, which goes toward your first kit or inventory. You start making your money back the minute you start selling.

New styles and designs come out regularly each season, consistently creating buzz and the FOMO (“fear of missing out”) effect. As accessibility to products consumers desire increases through online shopping, one has to wonder if LuLaRoe is available to purchase through the web rather than a person. Is it possible to buy LuLaRoe online?

Can You Buy LuLaRoe Online?

Technically, no, you can’t buy LuLaRoe online. This is not to say, though, that there aren’t ways around that.

Consultants sell the clothes directly, and the website does not have an option to purchase with an online store. In fact, sellers must sell from their home and are not permitted to have a brick-and-mortar site. They can, however, sell from what are known as “pop-ups” or events where the product is available to the attendees.

Regardless, you do not have to live in the same area as a consultant in order to buy items from her. Many take payments via PayPal and will ship the clothes to you, much like you would arrange with any retailer’s website. Sites like Ebay is another option to buy LuLaRoe online, but some do tack on shipping prices and you should keep in mind that these items may be used.

So, even though you cannot place orders through the LuLaRoe website, you can still purchase the clothes through different sellers online with a debit or credit card and still have the items shipped to your house.

Are you a fan of LuLaRoe? Have you ever bought any of their clothes online? Share your experience with us in the comments below. 

 

PC: Hiram Robles

Can Payment Be Stopped On A Cashier’s Check?

can payment be stopped on a cashier's check

A cashier’s check is distributed by a bank and includes a guaranteed amount to the receiver. By signing off on it, the cashier confirms sufficient funds exist in the account to cover it. In other words, the banks are promising the money is there rather than the individual remitting the check. Credit unions will also issue these checks in the same fashion. This type of payment comes in handy for large purchases, but what happens if you lose or suspect that it has been stolen? Can payment be stopped on a cashier’s check?

Can Payment Be Stopped on a Cashier’s Check?

When you buy a cashier’s check from your bank or local credit union, they use the money from their account, thus mostly removing any concern to the payee that the check may bounce. This essentially makes the check usable as cash. You may need to use one when buying a home, where they would not accept debit or credit as a form of payment for such a large purchase. Unlike a regular check, a cashier’s check will not bounce. (Hence, the guarantee.) This does not mean, though, that it is incapable of becoming lost or stolen. So what do you do in a situation like this?

Many say you can’t stop payment on a cashier’s check. However, you do have options. According to the National Check Fraud Center, if your cashier’s check was destroyed, lost, or stolen, you can make a claim if the check was issued in a state that adopted the Section 3-312 of the UCC. This article notes the procedure for making what is known as a “declaration of loss,” which is made under penalty of perjury, to your bank that issued the check. By filing this, you claim the check is gone and cannot be redeemed.

The National Check Fraud Center explains that once your claim is submitted, you will have to wait 90 days after the check was issued or accepted, or the date the claim was made for it to become effective, whichever is later. During that time, the bank has no obligation to reissue or repay you for the check until they can determine whether or not your claim is valid. If it were stolen and the thief tries to cash it, the check will not be honored.

If you do need the money sooner than the 90-day period, you can contact your bank and see what can be done. But, they may still decide to wait on it. They may also make you sign an indemnification agreement to protect themselves. If your claim is valid, you should not have anything to worry about. Make sure to just always maintain communication with your bank in the case that it would show up.

When the claim does become effective, the National Check Fraud Center states that the bank “may pay the claimant the amount of the check or reissue a check to the claimant.” Following your approved claim, it may take 30 to 90 days to get a replacement check. While not ideal, this is still better than losing the money.

Although it is possible to create a claim and get your money back for your lost or stolen cashier’s check, this may not apply if you simply changed your mind. Many banks will not permit you to stop payment on a cashier’s check that you decide you no longer want, or they will make it as difficult as possible for you to do so. On the other hand, you cannot stop a valid payee (the individual you have given the cashier’s check to) from depositing the money.

It’s always wise to check with your bank to see what their requirements are prior to completing the transaction.

Have you ever had to stop payment on a cashier’s check before? What was your experience?