u/NateNate60

You're reducing one risk vector. When you enter that information online, only the merchant knows. When you send it through the post, it's the same, except you also bear the additional risk of what happens to it in transit.

It's the 21st century, you should not be sending cheques in the post. I get that some people are old fashioned here but you're just unnecessarily opening yourself to fraud from people stealing the cheque or headache from postal delays and lost mail. There is literally no benefit to sending a piece of paper containing all your bank details as well as where you live and the fact that you probably have gold at that address into the world.

I saw it when I tried to check out.

What are the reasons?

Do they not? There's a button for that payment method during checkout. Does it not work or something?

Why would I be surprised? Be my guest.

I do. I don't think you do though, so I'm going to ignore you.

I looked a bit more into it, and I did want to make a correction: cases below $100,000 instead go to the District Court, not the Superior Court.

Many states, including my home state of Oregon but I am unsure about Indiana, have a mandatory mediation programme before trial where the parties have to sit down with a mediator who tries to work out a way to settle the debt. They're not required to agree to anything but most cases are resolved in mediation without a need for the court to get involved. There's also a bonus in that the mediation agreement is filed with the court and can be quickly transformed into a judgement by filing an affidavit of non-compliance.

UCC 2-401 governs when title (and therefore risk of loss) passes from seller to buyer. Subsection (2)(b) states that when delivery at a specific location is required by the contract, title passes on delivery, so the seller bears the risk of loss in transit.

However, a contract can override portions of the UCC, and the merchant is free to contract with a buyer in such a way that the buyer bears all risk of loss once the package is handed over to the carrier. This is actually a common-enough contract term in trade that there is a shorthand for it: FOB, or "free on board". As in, the seller is free of responsibility once the goods are on board the ship or truck.

There is no obligation that the seller use any particular shipping method. If you buy a gold coin and they ship it in a plain white envelope with no tracking and write "GOLD COIN INSIDE" on it, even though that's incredibly negligent in an ordinary sense, it's not legally impermissible unless your contract says otherwise. However, if the contract made the shipment FOB and passed the risk of loss in transit to the buyer, then you might argue that the method of shipment was so commercially unreasonable that it breached the implied covenant of good faith and fair dealing.

I'm a law student, not a lawyer, not legal advice.

Small claims limit in Washington is $10,000. I think you can still file in small claims for the maximum amount, if you are willing to abandon any portion of your claim that exceeds $10,000. Otherwise, you can file in the Superior Court. It is forbidden to break up a claim into multiple claims to get around the small claims limit.

Filings in Superior Court are more formalistic, so be sure to actually state that you're suing for "breach of contract" for failing to deliver the package, and allege all the elements of breach of contract (that you had a contract and that it was breached when the carrier they hired failed to deliver the goods) otherwise your case will be dismissed for failure to state a claim upon which relief can be granted. Read carefully the Washington Rules of Civil Procedure.

I would encourage you to read Scottsdale Mint's terms of service, which forms your agreement with them: https://www.scottsdalemint.com/terms-conditions/

Also, I encourage you to look at Uniform Commercial Code § 2-401 subsection (2)(b), which states:

(2) Unless otherwise explicitly agreed title passes to the buyer at the time and place at which the seller completes his performance with reference to the physical delivery of the goods , despite any reservation of a security interest and even though a document of title is to be delivered at a different time or place; and in particular and despite any reservation of a security interest by the bill of lading

...

(b) if the contract requires delivery at destination, title passes on tender there.

The King County Bar Association operates a referral service that lets you connect with a local lawyer that practises this type of law. The initial consultation is usually free or at a reduced cost.

I am a law student but I am not a lawyer so I cannot actually give you legal advice.

By federal law, Roth IRAs are protected from seizure to pay creditors.

However, up to 25% of post-tax wages can be garnished to go towards satisfying a judgement, although this cannot reduce a worker's take-home earnings below $217.50 per week. If a garnishment would result in a worker being unable to afford necessities, they can ask for the garnishment amount to be reduced. A simple overview of Indiana's wage garnishment laws can be found here.

Indiana Legal Services provides legal advice free of charge to low-income people who are eligible for it: https://www.indianalegalservices.org/applyonline/

PM

Trade complete!

All devices are vulnerable unless patched or your browser has updated its certificate store to exclude the affected certificates.

The people who discover this, maintain a website that will check to see if your browser will accept the bad certs. Chrome and Firefox have already patched it and should reject the bad certs, indicated with a tick mark on the website's checker.

https://emudhra.we-have-a-problem.com/

Browsers have their own certificate checking mechanisms, so programs that rely on your system's certificates might not be secure until patched. Most vendors have released emergency patches. Just run the automatic system update and you're probably good.

Generally speaking anything which affixes words in the form of letters onto a lasting medium which can be read is considered "in writing".

You might not have noticed, but Microsoft's crazy innovation has left Word's UI more or less untouched since 2016, except to add bullshit like the Copilot button.

In either case, I have a copy of Microsoft Office 365 installed as well as LibreOffice, and I can confidently say as a user of both, they are identical. I have written legal documents in both software and despite the requirements clearly saying that Microsoft Office is "required", every single time I use LibreOffice Writer, I get away with it, and nobody else seems to even notice that I'm not using Word, even when they're looking right at my screen.

You're legally allowed to demand your money back whenever you want. There is no legal relevance to making a demand or the manner in which you make it, except that courts frequently require you make at least some effort to resolve the dispute outside of court before suing.

The Texas State Law Library has information about security deposit laws, including forms and template demand letters you can send.

https://guides.sll.texas.gov/landlord-tenant-law/security-deposits

Note the following text:

If the tenant moved out and the security deposit or itemized list of deductions is not mailed to them within 30 days of moving out, they can sue. [Texas Property Code] Section 92.109 allows the tenant to sue the landlord to recover “three times the portion of the deposit wrongfully withheld” plus other fees.

and

The landlord is not obligated to return a tenant's security deposit or give the tenant a written description of damages and charges until the tenant gives the landlord a written statement of the tenant's forwarding address for the purpose of refunding the security deposit.

It does. It looks pretty much exactly the same as Microsoft Office. Literally the first prompt when you open it, is whether you want the Microsoft Office UI.

Nobody's talking about OpenOffice. That's been abandoned for years.

What is the "Taiwan flag"? Just a flag with a silhouette of Taiwan on it?

According to Westlaw that case seems to still be good law so perhaps u/Cute-Confidence8626 is not doomed after all.

Using a shady Chinese product is probably even less appetising to most users than using a shady American product.

When one building is crooked on purpose, that's charming and creative. When every building is crooked regardless of whether that's intended, your engineers are idiots.

I'm not entirely sure, but it's possible the answer is "no", because when you buy a house on a sheriff's deed you are accepting the risk that the deed conveys no title. It is my understanding that sheriff's deeds are quit-claims. There is no warranty that the tax agency actually has any title to convey to you and that's why title insurance companies don't like these kinds of deeds. So if you receive such a deed, you have no claim for a refund. But if you occupy it for several years, you can file a quiet title because at that point it's yours by adverse possession regardless.

Again, highly dependent on local law. This is firmly into "hire a lawyer" territory. I am not a lawyer in Pennsylvania and for all I know I typed two paragraphs of inapplicable nonsense.