One holiday down, two to go

[SheilaT]

5. 21 dollars for checks?

That does not sound right. Lots of places give you the first hundred or so checks free when you open the account.

And I second the advice to get an attorney. You cannot give him a pass just because you're living in the house. You absolutely must put yourself first.

Also, follow the advice about getting more for your chain. Given the price you paid for it six years ago, I wonder if you weren't sold something that is a 22k gold plated chain. Anyway, find out as much as you can.