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Thread: CHECKS!

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    Senior Member modlgrl8's Avatar
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    Default CHECKS!

    Last week, I was talking w/ a customer, and told him that I had been in MI visiting my boyfriend. Well, someone broke into my car and stole all of my luggage (i was going home, but stopped for dinner at a restaurant w/ bf in Detroit). To make a long story short, explained to customer that I had lost thousands of dollars worth of jewlery, clothes, shoes, and my gucci. Plus stuff I had bought there.
    Well, he wanted to give me a check for 1000.00 I didn't take it because I didn't want to give my real name, also, what if the check bounced, then the fee would have come out of my account. He is older, and kind of a regular (I see him once about every 2 wks.) Well, now I haven't seen him in like 3 wks. Did I screw this up??? I don't know what to do now. I have his number, so I was thinking about calling him, and saying I missed him, etc, etc.
    Girls- do you ever take checks? Sometimes customers say they want to pay by check, or one guy even said he was a pilot and offered me a travel voucher instead. Lately i think these guys have been full of shit. I didn't take the voucher.

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    Featured Member polecat's Avatar
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    Default Re:CHECKS!

    You did the right thing if you're not set up to accept checks in a commercial sense.

    No matter how nice, or 'normal' a particular regular may seem, sometimes these are the ones that can cause future issues down the road. Cashing a check into a personal bank account opens all sorts of doors for tie of your business into your personal life and is NOT worth any amount of $$ if something did happen to go afoul with this guy later on.

    Plus.. the out of the blue offer for $1000 + his mysterious absence also seems a bit odd. There is a chance he's a nice, giving guy with the financial ability to drop $1k as he sees fit and has just been busy, but why take the risk?

    If down the road you want to start accepting checks or similar, you can set up a merchant account or business account. I know a few women here that have them, like "So and So Playland" or ".. enterprises" and have these set up under a different name of someone you trust (big brother, trusted male friend, etc.etc.). Realize any funds that DO go into this account will have to be claimed income though as they have a paper trail, so you'll only see maybe 70-80% of whatever gets deposited after taxes... either that or get an accountant to loophole them (number of ways).

    I'd give this guy another week or so before contacting the customer. Chances are he'll be back eventually.

    It doesn't matter if you're somebody in this world, it rather matters you mean the whole world to somebody.

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    Veteran Member Gerina's Avatar
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    Default Re:CHECKS!

    customers will lie as much as you do - it adds to their fantasy and the details of their lives need to be known about as much as the details in our lives. i wouldn't ever take a check from a customer for reasons you listed and because they can always go to the cashier and pull a cash advance off a cc or go to an atm and pull a limited amount of cash. there is no reason to take a check.

    he might have been hurt that you didn't "trust" him, so yeah, it would be a good idea to call and say you miss him. but do not bring up the check or apologize for refusing - you didn't do anything wrong and there's no reason to pretend you did.
    ...and the day came, when the risk it took to remain closed in a bud became worse than the risk it took to blossom.

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    Senior Member modlgrl8's Avatar
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    Default Re:CHECKS!

    Polecat-
    What is the difference between a merchant and a business acoount, are they basically the same thing? How would i go about opening them. This means that i am setting up my own business right? You mentioned setting it up under someone else's name. Does that person assume responsibility for the business then? (I am new to all of this.) Also, loopholes? How would i get around something like not paying taxes. I don't mind paying them, i just don't want to get into any legal troubles.

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    God/dess Bridgette's Avatar
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    Default Re:CHECKS!

    I took a check once. ONCE. It was a long time regular of the club who everybody knew and who I knew to be dependable. But it's all relative, you can't ever really know someone in a club. He left the TO: line blank and I signed it to CASH and cashed it at my bank. It cleared but could have just as easily bounced and cost me a few bucks, but I put it in my savings account, not checking, so I couldn't have written any checks on it before it cleared.

    I took the chance ONCE and it turned out ok, but I'm willing to bet for every guy who offers to pay a stripper with a GOOD check, there's 3 who will pass her a BAD one.

    As for his possibly bruised ego at your 'rejection', I'd say call him up and ask how he is, and be sure to THANK him for the generous offer. Tell him you appreciate it but you'd feel bad taking such a large gift. Something to that effect.

    Quote Originally Posted by pheno View Post
    When you lead a nontraditional life don't try to measure it with traditional milestones.

  6. #6
    madmaxine
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    Default Re:CHECKS!

    Never, EVER take a check. I had the same luck as Bridgette, but I'm not a gambler. Heck, even normal paychecks bounce sometimes (mom and pop business, paperwork screw up)
    Fuuny story: a dancer I worked with did a private show and took payment in check form. Of course, the guy called his bank and stopped payment on the check. So the dancer called the House Number listed on the check and tells the man's wife, "My name is [Blank] I'm an exotic dancer, your husband...." He got thrown out and called the agency again from a motel, asking for another dancer!

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    Featured Member polecat's Avatar
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    Default Re:CHECKS!

    The setting up a business/merchant account and tax shelters (local & fed) for contributions funneled into it would be a good Dollar Den post. I'm sure more tax/accountant advice and more local advice would find it there.

    It's not as complicated as it sounds though. And yes, having a co-partner on the business does involve them to a high degree. Needs to be someone you trust.

    In general, checks are not a good idea for sporadic occasions.. and setting up a business/merchant name/account isn't worth all the work unless you are planning on making it a fairly regular form of income.
    It doesn't matter if you're somebody in this world, it rather matters you mean the whole world to somebody.

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    Default Re:CHECKS!

    He left the TO: line blank and I signed it to CASH and cashed it at my bank. It cleared but could have just as easily bounced and cost me a few bucks, but I put it in my savings account, not checking, so I couldn't have written any checks on it before it cleared.

    I took the chance ONCE and it turned out ok, but I'm willing to bet for every guy who offers to pay a stripper with a GOOD check, there's 3 who will pass her a BAD one.
    Agreed on the probable 3:1 ratio.

    Also, making the check out to CASH really doesn't accomplish anything since the same account transfers are involved as if you had written your own name on the line - and any IRS check of account numbers will turn up info on who owns the accounts.

    I'll agree with Polecat's assessment, but add that unless you plan on pursuing this business seriously (like full time or nearly) for some period of years it probably isn't worth the hassle to set things up in the first place or to bear the accounting and tax reporting burdens associated with the business accounts.

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    Default Re:CHECKS!

    I never gave a Check to a Dancer. I have at times given her my Check but never wrote a check.

    I think the guy could have just as easy given you Cash or Money Order. A Money Order has already been paid for and as long as it was recently created it will still be a good Money Order.

    I would recommend that you do not take a check unless you know the person very well.

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    Featured Member polecat's Avatar
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    Default Re:CHECKS!

    Quote Originally Posted by Pan Dah link=board=27;threadid=12218;start=msg157502#msg15 7502 date=1092698659
    The personal risk is real and pretty high, but could be minimized. Ask him to make the check out to Cash, or leave it blank like Bridgette did. If he asks why, give him some story about not having a bank account temporarily for some BS reason so you need to have your parents or someone cash it for you. Then get a BF or someone else with an illegible signature to cash it, you might even be able to do it at the club, but probably not.
    You might as well just have them make the check out to the real name, since "CASH" is just as anonymous.

    In order for a check to be cashed, banks or check cashers (well, those without MASSIVE fees) require either: a) two forms of identification, or b) a verifiable bank account number. These wind up on the check itself, which the check writer can pull and indentify.

    So if the check is to be made out to "CASH"- the person then cashing the check would need to be a trusted third party as well, willing to have their ID or referenced account be placed on the check history.

    This is, as Melonie mentioned, so check trails are fully researchable by the IRS in case of an audit. The information is avail to the check writer also.
    It doesn't matter if you're somebody in this world, it rather matters you mean the whole world to somebody.

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    Default Re:CHECKS!

    I tried to write checks for tipping up at the bar once......but people looked at me kinda funny. I'm like "what, yo? they fit in the garter! NYAH"....but nooooooooooo no one wanted my $1 checks.
    "The problem with the world is that everyone is a few drinks behind."
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    Default Re:CHECKS!

    Quote Originally Posted by MojoJojo link=board=27;threadid=12218;start=msg157780#msg15 7780 date=1092736707
    I tried to write checks for tipping up at the bar once......but people looked at me kinda funny. I'm like "what, yo? they fit in the garter! NYAH"....but nooooooooooo no one wanted my $1 checks.
    You're kidding right?
    One of woman's cardinal rule: Body parts can be fake,everything else has to be real.

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    Default Re:CHECKS!

    I have only seen a few check situations end well.Most of the times they were used because some customer was in over his head and couldnt pay his LD tab or bar tab and a check was all they could offer.Alot of times the check comes back.
    I do have a warm fuzzy check story...

    About 6 months ago we had a dancer from russia.Some guy had spent all night with her and payed her very well for her time.
    After we closed,she came up to me and told me he offered her 10,000 dollars if she would stop dancing.
    I told her "yea right",then she pulls out a check for 10G's. :o
    This girl had only been dancing a few months,and i knew she sent most of the money she made home to her family.
    We closed at 6am and the banks didnt open till 9am,so a couple girls and I took her out to breakfast at Ihop and shot the shit about all the things she could do with 10G's of american money in russia.All she wanted to do was go home.
    She was supposed to work the next night,and i couldnt stay till 9am,so i wished her luck and told her i hoped i didnt see her the next night at work.
    It was almost a week till i saw her again.She came into the club to say goodbye to everyone.The check was good.She went home a couple of days later.


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    Banned Melonie's Avatar
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    Default Re:CHECKS!

    This is, as Melonie mentioned, so check trails are fully researchable by the IRS in case of an audit. The information is avail to the check writer also.
    Translation correct ? - if a club customer writes the dancer a check made out to CASH, which the dancer subsequently deposits in her bank account, that the club customer can then initiate a check trace which will turn up the real name and address of the dancer as listed on her bank account ?

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    Senior Member voodoo's Avatar
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    Default Re:CHECKS!

    For a grand I don't think I would mind a regular knowing my real name. But then again, I'm broke.

    I agree with Pan Dah.

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    Default Re:CHECKS!

    I don't work for checks but if a regular customer wants to give you extra money why would you turn it down?

    You NEVER deposit a personal check someone gives you into your account.

    You ALWAYS walk that check into the bank of the person who wrote it and CASH it.

    If the check is good you walk out with cash and if not it has not affected your account.

    The real name issue is not that big of a deal.

    A smart person should have a mail drop as an address on her ID/drivers license, checks, and have ALL of her bills go to a mail drop and NEVER where she lives.

    That way no one knows where you live.

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    Banned BigGreenMnM's Avatar
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    Default Re:CHECKS!

    One of the best ever entertainers i have worked with tipped me one time in lotto tickets,already scratched!!!!
    Thank god they were winning tickets totaling about 100 dollars.
    I framed them and hung them in my office.
    You rock dreamer!!!!!

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    Featured Member polecat's Avatar
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    Default Re:CHECKS!

    Quote Originally Posted by Melonie link=board=27;threadid=12218;start=msg157831#msg15 7831 date=1092754079
    Translation correct ? - if a club customer writes the dancer a check made out to CASH, which the dancer subsequently deposits in her bank account, that the club customer can then initiate a check trace which will turn up the real name and address of the dancer as listed on her bank account ?
    Correct, but indirectly. The form is an account number, which can then be researched to a name on the account. Address is a bit sticky, but address can be fairly private depending upon the financial institution.

    More importantly, the original check writer also has the ability to get a copy of the original check, which 9 out of 10 times, has the casher's drivers license and 2nd ID/account on them in pen from the teller! A DL can be converted to personal information for a fee, and most forms of online processing now of DMV records can be easily done anonymously a number of ways.
    It doesn't matter if you're somebody in this world, it rather matters you mean the whole world to somebody.

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    Default Re:CHECKS!

    You should only take checks from someone you know well. I did take a girl to VIP two months ago as ATF has quit dancing. I wrote her a check for $200 and it recently cleared with no problem to either of us. You can't walk a check through to a bank in another state
    that isn't in your local market. Taking a check isn't worth it unless you trust the guy.

    If you do know the guy and trust him to an extent there are business reasons for a cancer to take the check. Club funny money (however named with cute marketing terms)
    charges the dancer 10% of the face amount, the customer 10% of the face amount and a 5% administration fee. You are saving yourself a 10% haircut and your customer a 15%
    haircut of the face amount of the club funny money. I was always grateful when ATF took my check... but she knew I was hooked on her.

    Some New York clubs (mentioned on this board late last year) were delaying payment in cash to dancers when they turned in club funny money. This is a terrible practice from a club and is really a reason to trust your customer rather than the club.

    As a dancer choose your firends, husbands and customers who you take checks from carefully, and with well thought out reasons why you are doing it and the dowside reasons also. You are helping your customer finance a major purchase which is your time with you.
    On occasion business financing to customers causes bad debts, but that can always happen.

    Do you gain more customers and money by helping finance the purchase?

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    God/dess kitana's Avatar
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    Default Re:CHECKS!

    I have taken a few checks in my day but only from a very few people. I also did do one thing the first time.
    You might be able to do this too if the club you work woth is cool.

    I got a check from a reg. for about $500, I went straight to the mgmt. and told them. They said he has done it beofre and he was reputable about it. They were willing to cash the check for me right there and then. Then they took the check and cashed it into the clubs account. The customer never had the chance to learn any of my info.

    But as for now, there are only 2 people who I would take a check from in my club. One is my long time reg. we have know each other about 6 yrs now. The other is one of the owners good friends who owns multiple businesses.

    I think you just have to be careful, as with anything else. But I'm just a little more careful than some. I always make sure the TO: line is blank and I used to let hubby cash it and sing in the MEMO: for yard work, or car repair, or painting or whatever. That was I felt a little better and the guy quickly knew if I was attached or not.

    Kitana
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    God/dess kitana's Avatar
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    Default Re:CHECKS!

    I have taken a few checks in my day but only from a very few people. I also did do one thing the first time.
    You might be able to do this too if the club you work with is cool.

    I got a check from a reg. for about $500, I went straight to the mgmt. and told them. They said he has done it before and he was reputable about it. They were willing to cash the check for me right there and then. Then they took the check and cashed it into the clubs account. The customer never had the chance to learn any of my info.

    But as for now, there are only 2 people who I would take a check from in my club. One is my long time reg. we have know each other about 6 yrs now. The other is one of the owners good friends who owns multiple businesses.

    I think you just have to be careful, as with anything else. But I&#039;m just a little more careful than some. I always make sure the TO: line is blank and I used to let hubby cash it and sing in the MEMO: for yard work, or car repair, or painting or whatever. That way I felt a little better and the guy quickly knew if I was attached or not.

    Kitana
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    God/dess VenusGoddess's Avatar
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    Default Re:CHECKS!

    Quote Originally Posted by Melonie link=board=27;threadid=12218;start=msg157831#msg15 7831 date=1092754079
    This is, as Melonie mentioned, so check trails are fully researchable by the IRS in case of an audit. The information is avail to the check writer also.
    Translation correct ? - if a club customer writes the dancer a check made out to CASH, which the dancer subsequently deposits in her bank account, that the club customer can then initiate a check trace which will turn up the real name and address of the dancer as listed on her bank account ?
    Yes...although highly unlikely as the process can be quite long. The information that the bank gathers for you to either cash your check (2 forms of ID) or to deposit the check (bank account number and name signed on back). With a little bit of time and technical know-how anyone can track you down from that check alone. If you have your name and address listed in the phone book, then all it takes is knowing your real name, jumping online to the whitepages.com and seeing what comes up. If we take the assumption that most people bank at the branch closet to their house, then that makes it easier to track someone down.

    In this line of business, I would just say to not take a check at all...

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    Default Re:CHECKS!

    You want to be careful about telling the club about taking checks... depending on the club.
    The funny money lady (or also sold cigars and sometimes shots) was really the banker and was one of the highest paid people in the club. Her job was to make 25% on transactions plus sometimes she wanted tips for graciously selling you club funny money.

    The club makes alot of money selling funny money and you are taking their 25% profit center away from them by taking checks. Again here&#039;s how it worked. I paid $115 for each $100 of face value club money. (Note sold at premium). ATF collected paper with say face value of $100 on each one. (The transaction for four hours was more like $1000).
    She received at the end of the night $90 for each $100 face value funny money. (NOTE SOLD AT DISCOUNT). On a $1000 face value cost VIP she collected $900 in funny money.
    Taking a check from me saved her $100. Taking a check from me saved me $115 for a total saving for both of us of $215. Obviously funny money girl wasn&#039;t happy with this arrangement but kept quiet as I was a good customer for the club and usually bought one bottle of champagne. ATF did NOT mention this to the club, nor did she ask the club to cover or cash the check. She saw the money we were saving, liked me anyway, and decided to trust me. This made us co partners on a variety of issues inside the club
    when the club had weird rules or strange things happened. Also we became alot closer together. I didn&#039;t trace where she lived I already knew after awhile. (Never thought of it actually until you guys mentioned it here.)

    So be very cautious about taking checks and telling your club. Some of them fire girls who take checks, and its not that they are concerned about the ddancers business or business decision making, they are losing a 25% profit center.

  24. #24
    God/dess Gynger's Avatar
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    Default Re:CHECKS!

    Yep. I&#039;ve taken a check, only from a regular who knew me and a long time regular he was.. I knew where he worked, I knew what he did etc..

    However, I would never do it again for anyone, simply because why chance it? I took a gamble with my regular, only because he offered to do something nice for me while I was in college (pay my rent on a slow month) and he wrote the check out to me- I took it immediately to the bank and it was good as I knew it would be.


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    Default Re:CHECKS!

    Quote Originally Posted by Niceguy link=board=27;threadid=12218;start=msg168442#msg16 8442 date=1094105721
    You should only take checks from someone you know well.
    This one guy has been coming into the club for years, VIP customer. He&#039;s had several ATF&#039;s. I&#039;ve heard way to many stories from girls who have taken checks from him that have bounced. He&#039;s even bounced checks to the club for promo stuff and cash advances. Sometimes it doen&#039;s matter how well you know them.

    If you do take a check have it made to cahs ands go to the bank the check is drawn on to cash it. If you can;t do that you can call the bank it&#039;s drawn on to verify funds. Banks can&#039;t tell you how much money is in the account but wether at the time you call if there is enough in the account to cover that check. This could change with posting transactions after the call. Also depending on the bank, a hold can be placed on the check if you deposit it in your account. This means that the funds are not available to you until the check has cleared.

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