William Lipovsky

Dallas

Editor-in-Chief at First Quarter Finance

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Articles

Aaron's Damage Policy Explained: Repairs, Replacements, etc

Jun 3, 2024 | firstquarterfinance.com | William Lipovsky

The Aaron’s Limited Extended Warranty covers manufacturer defects and regular wear and tear on all leased items until 60 days after your final payment.[1][2]An Aaron’s Club membership also offers additional coverage for certain types of damage.[3]Below, I explain the Aaron’s damage policy, including warranty coverage, Aaron’s Club coverage, what to do if items are damaged at the time of delivery, and whether or not you can return damaged items.
Where to Buy Hobby Lobby Gift Cards (Nearby & Online)

Jun 3, 2024 | firstquarterfinance.com | William Lipovsky

Below, I explain where to buy Hobby Lobby gift cards and list the places that don’t sell them (so you’ll know where not to go). Note that Hobby Lobby gift cards usually don’t have any additional fees, although gift cards purchased on the Hobby Lobby website come with a $1 per card mailing and processing fee.[1][2]If you prefer to shop in person, The Home Depot and Lowe’s are equally good options.
Kwik Trip Money Order Policy Detailed: Cost, Limits, etc

Jun 3, 2024 | firstquarterfinance.com | William Lipovsky

You can get a MoneyGram money order for up to $500 for a fee of about $1 to $1.75 per money order.[1]Although Kwik Trip sells money orders, it doesn’t cash them.[1]Below, you’ll find more details of Kwik Trip’s money order policy, including the requirements, hours, and how to fill out a money order.
Ally Auto Grace Period & Late Payment Policy Explained

Jun 3, 2024 | firstquarterfinance.com | William Lipovsky

Ally Auto’s grace period varies by state and customer, although it typically ranges from seven to 15 days.[1]If you know you won’t be able to make up your payment during the grace period, you may also be eligible for a payment deferral.[1]Find out more about Ally Auto’s late payment policy below, including how to find your grace period, how to request a deferral, and when Ally Auto repossesses.
Car Battery Return Policies Detailed by Retailer

Jun 3, 2024 | firstquarterfinance.com | William Lipovsky

Some stores will accept new or used batteries for return or exchange; however, most will only offer refunds if the battery is new and uninstalled. If your battery isn’t eligible for a return, the store may offer a replacement or you may be able to get one through the battery’s warranty. Below, I explain the car battery return policies at the major auto parts retailers.
Giant Food Check Cashing Policy Explained

Jun 3, 2024 | firstquarterfinance.com | William Lipovsky

Since only a few Giant Food stores allow check cashing, it’s best to contact your local store before visiting to find out whether it offers this service.[1]Locations that do cash checks only accept certain types worth up to $999. Giant Food also charges a fee ranging from around $2 to $6 per check, depending on the amount.[1]Below are the details of Giant Food’s check cashing policy, including more on the fees, limits, requirements, and check cashing hours.
Where to Buy SCHEELS Gift Cards

Jun 3, 2024 | firstquarterfinance.com | William Lipovsky

You won’t find SCHEELS gift cards for sale in third-party stores like Walmart and CVS.[1][2][3] However, there are a couple of online options that may have them in stock — Raise and CardCash, both of which offer discounted gift cards.[4][5]Below, I have the list of places where you can buy SCHEELS gift cards, complete with purchase details and discounts, and the places that don’t sell them.
Shaw's Check Cashing Policy Explained

Jun 3, 2024 | firstquarterfinance.com | William Lipovsky

Shaw’s will cash printed checks (primarily government and payroll checks) worth up to $1,500 in its stores.[1]Fees vary by location but may be around $0.50 per check or a percentage of the check amount.[1]I detail more of the check cashing rules at Shaw’s below, including what you’ll need to bring and the check cashing hours.
5 Banks Open Late (After 5 p.m. & on Saturdays)

Jun 3, 2024 | firstquarterfinance.com | William Lipovsky

None of the major banks in the U.S. have consistent late hours at all locations, but some offer extended hours at select branches. Typically, the banks that offer extended hours will remain open until 6 p.m. during the week and will offer morning or early afternoon hours on Saturdays.[1][2][3][4][5]Below, I’ve compiled the list of the major U.S. banks that are open outside of normal business hours — plus those that aren’t, so you’ll know where not to go.