I'm glad you mentioned The Donald's bankruptcies Kevin. A lot of people I know who bemoan much poor people taking bankruptcy love the Donald. When I mention his bankruptcies, they get mad or don't believe me.

The first check I ever wrote bounced. I think it's the only bounced check I've ever had. My siblings have had many $1.00 bounced checks in their lives. What happened with me was, I bought a shirt and returned it. I paid for it with a check. My refund was in cash. In my young mind, I figured they got the shirt back, I got the money back, and that was square. I forgot the check still had to go to the bank.