I'm barely a grownup
My grandmother sent David $10 for his birthday, which was very nice of her, and much appreciated by him.
(Side note: he wrote her a thank you note the same day. I think it's the first time in history I've been able to get this to happen.)
But back to the point:
I took the check to my bank. They said I couldn't cash or deposit it because he doesn't have an account. Now, I know banking regulations are more strict than they were 30 yrs ago, but c'mon. Most of the rules in a bank -- especially those having to do with risk -- are breakable by someone with sufficient authority and a good enough reason. Bottom line: unless it's about a lot of money, when they (ie, a bank officer) says they can't, what they usually mean is they won't.
So I made a little speech. I said "This check is made out to my son. He has the same last name as me, and the maker of the check. The check is for ten dollars. It says "Happy Birthday" in the note field. I think the likelihood of fraud here is low. But even if the check comes back, you have enough money in my account to cover it. I expect my bank to look at this situation and accept this check for deposit." So they did.
But why did I have to be 41 years old before I was able to make such a speech calmly and without feeling stressed and embarrassed? I know people who were able to do that at 15. I wish to believe it's because I'm such a nice guy, but deep down I know it had more to do with insecurity and wanting everyone to like me at all times.
How about you? Do you like me? No, I meant to say: are you able to handle little disagreements with merchants, neighbors, etc and get what you want without getting mad or flustered?