I've done deals, but not in Miami so I don't know the local routines 

Isn't that quite routine? 

I live out of the country so rarely check statements; however, routinely pull my credit report.

Routine maintenance Safe Harbor.

This will save the life of the stain and should run about $1 per sf as this is part of the routine maintenance of hardwood floors. 

When I pushed for just $1k EM, pof, and a 10 day close w/ no contingencies, I was routinely told OK.

Steve,Interesting service. 90% of our routine bill payment is electronic now, I only write cheques for a couple of our trades.If these are truly like a bank draft, you as the issuer can sign it back into the originating account, but will likely need to do it in person at the bank.The bit about the Vendor making a cheque back to you is ludicrous.

Sure they may be cheap but the next day, you start your daily routine and forget everything.

During those 12-months you only had to pay the minimum amount due, to the credit card, and pay-off the balance amount at the end.I took it to the extreme by doing an "app-o-rama", where I established credit lines of $150K+ between me and my spouse, then routinely did balance transfers on them and earned free interest.

It could be an emergency (plumbing leak), or a routine maintenance issue (change the filters).