Could You Deposit One of Those Giant Novelty Checks?

Michael Cohen / Getty Images
Michael Cohen / Getty Images

Win a golf tournament, a sweepstakes or the lottery, and you usually get two things: One regular check for your winnings and one oversized cardboard one for photo opportunities and framing above your fireplace. What if you wanted to take the big one down to the bank, though? Could you deposit that behemoth?

Hypothetically, yes, if it’s got the right stuff on it.

A valid check has to have certain information right on it: the account owner’s (payer’s) name and account number, the name of the bank where the payer’s account is held (along with the bank's state), the date, an instruction to pay another party (e.g. “pay to the order of”), the payee's name, the dollar amount of the check in numerical and in written form and the signature of the account owner.

Beyond that, there’s a little bit of wiggle room as far as the material and dimensions of a check. There’s no standardized size (my checks from mental_floss, for example, are several inches longer and taller than the ones I get from some other publications). There’s no special check paper, and plain old printer paper is fine. You can buy software to design and print your own checks at home.

Paper might not even be a necessity. There are plenty of stories out there, no doubt some of them apocryphal, of people writing checks on cocktail napkins, doors, human flesh and the shirt off their back (that one supposedly got sent to the IRS), and having them accepted.

The Fine Print

The big cardboard novelty check seems tame, even downright normal, compared to some of these, but don’t push your luck too much. While an oversized check, shirt-check or door-check is valid in theory, many banks have rules (often included in the agreement you sign when you open an account) about the form of documents used for an account. These include what they will and won’t accept as a check, and usually enable them to reject a check or other document that doesn’t meet their standards. One bank might require that you must use the checks issued to you by the bank or a printing company it partners with, while another might regulate the material documents can be written on.

If your bank doesn’t have any such rules, your giant check, with the correct info, should pass muster. Just don’t try and deposit it at an ATM.

What's the Difference Between a College and a University?

Chinnapong/iStock via Getty Images
Chinnapong/iStock via Getty Images

Going off to college is a milestone in any young adult’s life. The phrase itself conjures up images of newfound independence, exposure to new perspectives, knowledge, and possibly even one or more sips of alcohol.

In America, however, few people use the phrase “going off to university,” or “headed to university,” even if they are indeed about to set off for, say, Harvard University. Why did college become the predominant term for postsecondary education? And is there any difference between the two institutions?

While university appears to be the older of the two terms, dating as far back as the 13th century, schools and students in North America have embraced college to describe most places of higher learning. There is no rigid definition of the words, but there are some general attributes for each. A college is typically a four-year school that offers undergraduate degrees like an associate or a bachelor’s. (Community colleges are often two-year schools.) They don’t typically offer master’s or doctorates, and the size of their student body is typically the smaller of the two.

Universities, on the other hand, tend to offer both undergraduate and graduate programs leading to advanced degrees for a larger group of students. They can also be comprised of several schools—referred to as colleges—under their umbrella. A university could offer both a school of arts and sciences and a school of business. The University of Michigan has a College of Engineering, for example.

While many of these traits are common, they’re not guaranteed. Some colleges can be bigger than universities, some might offer master’s degrees, and so on. To complicate matters further, an institution that fits the criteria of a university might choose to call itself a college. Both Dartmouth College and Boston College qualify as universities but use the college label owing to tradition. Schools may begin as colleges, grow into universities, but retain the original name.

People tend to think of a university as being more prestigious or harder to get into, but there are too many variables to make that determination at a glance. Some colleges might ask more of applicants than universities. Some universities might be smaller than certain colleges. Either one can be public or private.

Things get a little more convoluted abroad. In the UK, students go off to university (or uni) instead of college. The British version of college is typically a two-year program where students either focus on learning one particular skill set (much like a vocational school) or use the time to prepare for exams so that they can advance to university. Language matters, too; in Spanish, colegio usually refers to high school.

While the terms aren’t strictly interchangeable, there is enough of a difference between the two to try and make the distinction. Keep in mind that some states, like New Jersey, have rules about how institutions label themselves. There, a university has to have at least three fields of graduate study leading to advanced degrees.

Have you got a Big Question you'd like us to answer? If so, let us know by emailing us at bigquestions@mentalfloss.com.

Why Do We Eat Candy on Halloween?

Jupiterimages/iStock via Getty Images
Jupiterimages/iStock via Getty Images

On October 31, hordes of children armed with Jack-o'-lantern-shaped buckets and pillow cases will take to the streets in search of sugar. Trick-or-treating for candy is synonymous with Halloween, but the tradition had to go through a centuries-long evolution to arrive at the place it is today. So how did the holiday become an opportunity for kids to get free sweets? You can blame pagans, Catholics, and candy companies.

Historians agree that a Celtic autumn festival called Samhain was the precursor to modern Halloween. Samhain was a time to celebrate the last harvest of the year and the approach of the winter season. It was also a festival for honoring the dead. One way Celtics may have appeased the spirits they believed still walked the Earth was by leaving treats on their doorsteps.

When Catholics infiltrated Ireland in the 1st century CE, they rebranded many pagan holidays to fit their religion. November 1 became the “feasts of All Saints and All Souls," and the day before it was dubbed "All-Hallows'-Eve." The new holidays looked a lot different from the original Celtic festival, but many traditions stuck around, including the practice of honoring the dead with food. The food of choice for Christians became "soul cakes," small pastries usually baked with expensive ingredients and spices like currants and saffron.

Instead of leaving them outside for passing ghosts, soul cakes were distributed to beggars who went door-to-door promising to pray for souls of the deceased in exchange for something to eat. Sometimes they wore costumes to honor the saints—something pagans originally did to avoid being harassed by evil spirits. The ritual, known as souling, is believed to have planted the seeds for modern-day trick-or-treating.

Souling didn't survive the holiday's migration from Europe to the United States. In America, the first Halloween celebrations were a way to mark the end-of-year harvest season, and the food that was served mainly consisted of homemade seasonal treats like caramel apples and mixed nuts. There were no soul cakes—or candies, for that matter—to be found.

It wasn't until the 1950s that trick-or-treating gained popularity in the U.S. Following the Great Depression and World War II, the suburbs were booming, and people were looking for excuses to have fun and get to know their neighbors. The old practice of souling was resurrected and made into an excuse for kids to dress up in costumes and roam their neighborhoods. Common trick-or-treat offerings included nuts, coins, and homemade baked goods ("treats" that most kids would turn their noses up at today).

That changed when the candy companies got their hands on the holiday. They had already convinced consumers that they needed candy on Christmas and Easter, and they were looking for an equally lucrative opportunity to market candy in the fall. The new practice of trick-or-treating was almost too good to be true. Manufacturers downsized candies into smaller, bite-sized packages and began marketing them as treats for Halloween. Adults were grateful to have a convenient alternative to baking, kids loved the sweet treats, and the candy companies made billions.

Today, it's hard to imagine Halloween without Skittles, chocolate bars, and the perennial candy corn debates. But when you're digging through a bag or bowl of Halloween candy this October, remember that you could have been having eating soul cakes instead.

Have you got a Big Question you'd like us to answer? If so, let us know by emailing us at bigquestions@mentalfloss.com.

SECTIONS

arrow
LIVE SMARTER