At retail banks deposits are insured at a maximum of $100.000.How does it work at a Broker Bank?.....say if somebody has $1,000,000.00,what amount is preserved and what is lost?Also how long before one has access to the funds again?
What happens to the funds in a brokerage account when the Broker Bank collapses?
Well, there's 2 types of insurance that most brokers work with:
1. A government-sponsored insurance scheme not unlike the FDIC 100K. BUT just like the 100K policy, if the government is low on funds they will probably not pay you the whole amount, but rather negotiate and settle at a lower amount (which is usually at least 40% of you deposit).
2. The vast majority (99%) of brokers carry additional insurance from a major insurer (usually Lloyd's), which protects your account for a large sum (mine's protected till $5 million).
Reply:There are certain guarantees in place. It depends on the kind of account. For instance, a brokerage account that is designated as a tax deferred retirement account is guaranteed for the first $250,000.00. But that is only if the brokerage goes under, and takes all the money. The brokerage accounts are supposed to be segregated to protect it. You should call your broker and ask these questions. Perhaps it is necessary to split your account between different brokerages to afford you the protection of a federal guarantee, just as you would your bank accounts to get the FDIC protection.
naming
Tuesday, May 25, 2010
What are the consequences of holding a normal account after becoming and NRI?
What are the consequences of holding a normal account after becoming and NRI?
What are the consequences if some one is found out?
Thank you.
What are the consequences of holding a normal account after becoming and NRI?
All resident accounts of a person with banks in India will automatically be treated ordinary non-resident accounts on his becoming non-resident.
Similarly NRO account may be redesignated as resident accounts on the account of holder becoming resident in India. It may be noted that residential status of a person will be determined as per the definition under Foreign Exchange Regulation Act, 1973.
When an Indian national or person of Indian origin residing in India leaves India for a foreign country (other than Nepal and Bhutan) for taking up employment, business or vocation outside India, or for any other purpose, indicating his intention to say outside India permanently or for an indefinite period, he becomes a person resident outside India. His bank account, if any, in India is designated as an Ordinary Non-resident Account (NRO Account). Such accounts can also be opened with funds remitted from abroad. As funds in this type of account are non repatriable, they cannot be remitted abroad to the account holders or transferred to their NRE Accounts without the Reserve Bank鈥檚 prior permission. Interest earned on these deposits is not exempt from Indian Income-tax.
The accounts may be maintained in the form of savings or current or term deposit accounts. The accounts can also be opened jointly by non-residents with their close relatives resident in India and operations thereon by the resident account holders can be made freely. If an account is used only for the personal or business needs of the resident account holder, it may be opened jointly even with a person who is not a close relative but this needs prior permission of the Reserve Bank.
Reply:Normally, you should inform your bank so that your bank account becomes NRO account. TDS will be deducted at 30% instead of 10%.
For NRI accounts NRO, NRE and FCNR, read http://mytaxes.in/index.php?topic=150.0
What are the consequences if some one is found out?
Thank you.
What are the consequences of holding a normal account after becoming and NRI?
All resident accounts of a person with banks in India will automatically be treated ordinary non-resident accounts on his becoming non-resident.
Similarly NRO account may be redesignated as resident accounts on the account of holder becoming resident in India. It may be noted that residential status of a person will be determined as per the definition under Foreign Exchange Regulation Act, 1973.
When an Indian national or person of Indian origin residing in India leaves India for a foreign country (other than Nepal and Bhutan) for taking up employment, business or vocation outside India, or for any other purpose, indicating his intention to say outside India permanently or for an indefinite period, he becomes a person resident outside India. His bank account, if any, in India is designated as an Ordinary Non-resident Account (NRO Account). Such accounts can also be opened with funds remitted from abroad. As funds in this type of account are non repatriable, they cannot be remitted abroad to the account holders or transferred to their NRE Accounts without the Reserve Bank鈥檚 prior permission. Interest earned on these deposits is not exempt from Indian Income-tax.
The accounts may be maintained in the form of savings or current or term deposit accounts. The accounts can also be opened jointly by non-residents with their close relatives resident in India and operations thereon by the resident account holders can be made freely. If an account is used only for the personal or business needs of the resident account holder, it may be opened jointly even with a person who is not a close relative but this needs prior permission of the Reserve Bank.
Reply:Normally, you should inform your bank so that your bank account becomes NRO account. TDS will be deducted at 30% instead of 10%.
For NRI accounts NRO, NRE and FCNR, read http://mytaxes.in/index.php?topic=150.0
Is there any way to get an Itunes account without a credit card?
I don't have a credit card, and neither do my parents. How do I go about getting an Itunes account without one? I already tried paypal, and even there they ask me for a credit card number and such. Is there any way around this?
Is there any way to get an Itunes account without a credit card?
I went through the same thing. The iTunes website/application looks like you have to enter a credit card - but - if you look carefully - it is only optional! I was able to set up my account without entering a credit card! (just click next)
Good luck and enjoy!
Reply:Yeah there is. I just use my AOL account. Do you have AIM? If you do then just enter your username %26amp; password. It comes automatically with an email address %26amp; thats what they want so you can just enter your aim stuff if you do.
So if you don't then thats really the only way to get into it sorry.
Just register I guess.
:)
Reply:try a debit card. you can get one for near free at your bank(or your parents bank)
Reply:Buy a prepaid card, walmart, walgreen's, etc.
Is there any way to get an Itunes account without a credit card?
I went through the same thing. The iTunes website/application looks like you have to enter a credit card - but - if you look carefully - it is only optional! I was able to set up my account without entering a credit card! (just click next)
Good luck and enjoy!
Reply:Yeah there is. I just use my AOL account. Do you have AIM? If you do then just enter your username %26amp; password. It comes automatically with an email address %26amp; thats what they want so you can just enter your aim stuff if you do.
So if you don't then thats really the only way to get into it sorry.
Just register I guess.
:)
Reply:try a debit card. you can get one for near free at your bank(or your parents bank)
Reply:Buy a prepaid card, walmart, walgreen's, etc.
How can I withdrawl large sums with my account now visa card?
I am trying to buy a car from a private dealer and can't seem to figure out how to get more than $3,000 at one time. Can anyone help? I either need the money in cash or certified funds. My wife and I are starting to think that this Account Now account is bad idea. I can't any real reviews or figure out how to actually talk to a person at Account Now. Please Help.
How can I withdrawl large sums with my account now visa card?
If this is a regular credit card, is there any way the car dealer can process that out? If he can't, can you ask him to help you find a way, ask his business friends, or relatives? After all, he's about to make a profit.
Reply:Hey Jon. The AccountNow card is a debit card, not a credit card. There is a limit on the amount you can withdraw. I would suggest doing a mix of cash withdrawal paying for a money order. To get a more help and a better explanation, call customer at 866-925-2036. Report Abuse
How can I withdrawl large sums with my account now visa card?
If this is a regular credit card, is there any way the car dealer can process that out? If he can't, can you ask him to help you find a way, ask his business friends, or relatives? After all, he's about to make a profit.
Reply:Hey Jon. The AccountNow card is a debit card, not a credit card. There is a limit on the amount you can withdraw. I would suggest doing a mix of cash withdrawal paying for a money order. To get a more help and a better explanation, call customer at 866-925-2036. Report Abuse
How often do the three credit bureaus update account info?
I have paid off two credit cards. One 20 days ago, the other two weeks ago. It still shows the old total on my equifax and trans union and the CC companies tell me they have already reported to them.
How often do the three credit bureaus update account info?
The creditor does the updating to the credit bureaus. Most creditors only update once a month. You have to allow 30 to 60 days for it to show up on your credit report.
The credit bureaus receive updates constantly. The updates show up in your file right away.
Reply:It can take anywhere from 30-45 days for the new information to show up. Depending on how you are accessing your credit reports you may not be getting the accurate info. Wait a few more days and then go to myfico and buy your scores there... all other sites are FAKO scores, not accurate.
Reply:Typically the information is updated to the bureaus the month following the change. However, if you are looking to receive financing for a vehicle or home, your loan officer may request that the information be updated immediately.
Chris G.
www.howtogetanfhaloan.com
Reply:They update every thirty days, but it takes 60 days to show up on record.
Reply:It generally takes 30 days for your report/score to update. Give it a little more time and it should show up then.
Reply:I think it's one a month. Not too often.
first name
How often do the three credit bureaus update account info?
The creditor does the updating to the credit bureaus. Most creditors only update once a month. You have to allow 30 to 60 days for it to show up on your credit report.
The credit bureaus receive updates constantly. The updates show up in your file right away.
Reply:It can take anywhere from 30-45 days for the new information to show up. Depending on how you are accessing your credit reports you may not be getting the accurate info. Wait a few more days and then go to myfico and buy your scores there... all other sites are FAKO scores, not accurate.
Reply:Typically the information is updated to the bureaus the month following the change. However, if you are looking to receive financing for a vehicle or home, your loan officer may request that the information be updated immediately.
Chris G.
www.howtogetanfhaloan.com
Reply:They update every thirty days, but it takes 60 days to show up on record.
Reply:It generally takes 30 days for your report/score to update. Give it a little more time and it should show up then.
Reply:I think it's one a month. Not too often.
first name
What account to make to allow people to donate me on the Internet ?
Like paypal or google checkout ? Can i have a step by step please.
What account to make to allow people to donate me on the Internet ?
paypal is good because people can pay you by visa or mastercard.
go to paypal, set up an account, and follow the directions.
if you have a paypal account, all someone needs is your email address that the paypal account is registered to and they can send you money.
What account to make to allow people to donate me on the Internet ?
paypal is good because people can pay you by visa or mastercard.
go to paypal, set up an account, and follow the directions.
if you have a paypal account, all someone needs is your email address that the paypal account is registered to and they can send you money.
What are the benefits of a personal checking account?
What's so great about opening up a checking account or why would you want to open one up?
What are the benefits of a personal checking account?
1. If you apply for credit card, they want you to have your own checking account. (You need to have a credit card, so you can develop your credit history.)
2. You will need to pay your bills (phone, electric, water, cable, etc.). For this, you will have to write a check, or pay them online. In order for you to write a check or pay bills online, you will need to have a checking account.
3. Paying for things at the cash register. When you buy groceries for your family, the balance to pay is easy into $100 per trip. It is a hassle to carry hundreds of bucks in your wallet at all times. Much easier, just to slide a debit card at the cash register. And you won't have to worry about change back.
4. Most emloyees in now days don't give you a paycheck to cash it out, but do the direct deposit straight into your checking account.
5. Buy things online.
Reply:Having a Personal Checking Account is one of the big steps you take as you mature and enter adulthood.
It shows that you are organized, responsible and capable of managing your life.
It will give you total control over your own finances and ability to write checks to pay bills, etc. plus a secure location to deposit your pay checks, refund checks and other income you might earn.
You can also get a Debit Card that you can use instead of using money and writing checks...very convenient.
When applying for a credit account, it shows stability if you are established with a bank account.
How are you going to pay your bills if you can't write check?
pay cash?
buy a money order?
I don't think so.
Reply:Everybody that's posted before me, have brought up exceptional answers that I would've already said. One thing that I would like to touch upon is that checking accounts PROTECT YOUR MONEY! Let me paint a scenario fo you: It's friday, you just got paid, you go to the check cashers or the grocery store to cash your check. Well right there you're spending money to cash a check that you worked 40 some odd hours for. Now having said that, some not-so-nice person is sizing you up all this time unbeknowst to you. They know that you just cashed your check, with a purse or pocketful of bills, making you a walking bank-vault that's ripe for the pickings...Get my drift yet?
Another thing is that cash spends quicker when it's in-hand, not to mention unless you have a phtographic memory and a mind like a steel trap, there's a chance that you will forget where you spent your money.
Just the thought of those two things wakes me up in the middle of the night. Take it from the people that's answered this. It will help you in the long run.
What are the benefits of a personal checking account?
1. If you apply for credit card, they want you to have your own checking account. (You need to have a credit card, so you can develop your credit history.)
2. You will need to pay your bills (phone, electric, water, cable, etc.). For this, you will have to write a check, or pay them online. In order for you to write a check or pay bills online, you will need to have a checking account.
3. Paying for things at the cash register. When you buy groceries for your family, the balance to pay is easy into $100 per trip. It is a hassle to carry hundreds of bucks in your wallet at all times. Much easier, just to slide a debit card at the cash register. And you won't have to worry about change back.
4. Most emloyees in now days don't give you a paycheck to cash it out, but do the direct deposit straight into your checking account.
5. Buy things online.
Reply:Having a Personal Checking Account is one of the big steps you take as you mature and enter adulthood.
It shows that you are organized, responsible and capable of managing your life.
It will give you total control over your own finances and ability to write checks to pay bills, etc. plus a secure location to deposit your pay checks, refund checks and other income you might earn.
You can also get a Debit Card that you can use instead of using money and writing checks...very convenient.
When applying for a credit account, it shows stability if you are established with a bank account.
How are you going to pay your bills if you can't write check?
pay cash?
buy a money order?
I don't think so.
Reply:Everybody that's posted before me, have brought up exceptional answers that I would've already said. One thing that I would like to touch upon is that checking accounts PROTECT YOUR MONEY! Let me paint a scenario fo you: It's friday, you just got paid, you go to the check cashers or the grocery store to cash your check. Well right there you're spending money to cash a check that you worked 40 some odd hours for. Now having said that, some not-so-nice person is sizing you up all this time unbeknowst to you. They know that you just cashed your check, with a purse or pocketful of bills, making you a walking bank-vault that's ripe for the pickings...Get my drift yet?
Another thing is that cash spends quicker when it's in-hand, not to mention unless you have a phtographic memory and a mind like a steel trap, there's a chance that you will forget where you spent your money.
Just the thought of those two things wakes me up in the middle of the night. Take it from the people that's answered this. It will help you in the long run.
How do I post pictures to my facebook account, without posting them on everyones wall?
I'm wanting to upload a set of pictures onto my facebook account. I don't want them posted to every "friend's" wall. I just want them under my pics so anyone can see. I am guessing this is a settings issue, I just don't know what settings to change. Thanks in advance.
How do I post pictures to my facebook account, without posting them on everyones wall?
Do you mean you don't want it posted to everyones' Feed so that when they log-in they won't see that you've uploaded pics? If you don't want all your friends to know from their Feed that you have posted pics, you just need to delete that story from your own Wall. What doesn't show up on your Wall also won't show up on Feeds.
But if you're talking about having people tagged in your photos so that in turn, those photos get posted to your friends' Wall, well sorry, there's no setting to prevent people from tagging your photos. You can't turn off tagging to photos and once people are tagged, they show up on that person's Wall unless that person changes their own privacy settings.
Reply:To do this you have to post it and then go to your home page and as you go on it find where it was posted and on the top right theres a delete button.
How do I post pictures to my facebook account, without posting them on everyones wall?
Do you mean you don't want it posted to everyones' Feed so that when they log-in they won't see that you've uploaded pics? If you don't want all your friends to know from their Feed that you have posted pics, you just need to delete that story from your own Wall. What doesn't show up on your Wall also won't show up on Feeds.
But if you're talking about having people tagged in your photos so that in turn, those photos get posted to your friends' Wall, well sorry, there's no setting to prevent people from tagging your photos. You can't turn off tagging to photos and once people are tagged, they show up on that person's Wall unless that person changes their own privacy settings.
Reply:To do this you have to post it and then go to your home page and as you go on it find where it was posted and on the top right theres a delete button.
What happens when a merchant account needs a person but an enterprise needs to be the owner of the account?
A merchant account application is asking for a single person to be the owner of the account, however there will be no single owner it will be an enterprise.
What happens when a merchant account needs a person but an enterprise needs to be the owner of the account?
I will try to shed some light for you on the merchant account application process. Hopefully it will help you understand what exactly is required in the application.
In a merchant account application you will provide details about both your business and your business' owners, including address (business and personal), social security number, tax ID (if applicable), phone numbers, email address, web address, bank account info, etc. The business owners may be more than one, just as it is in your case, and you will provide personal information for all of them.
Be advised that no person from your organization will own the merchant account and the application is not about owning it. The merchant account will provide a way for your company to accept payments and your company's money will then be deposited into your company's bank account, not into one of the owners' accounts.
The application does ask you for a "Contact Person." This is different. A contact person is the one representative (whether it is an owner or not) of your organization that your merchant account provider will contact whenever they need to talk to someone about something. That is all.
Reply:Merchant Capital Funding LLC
Luis Orlando
Senior Funding Specialist
Tel: 866-221-2050
Direct: 646-747-6719
Fax: 800-531-9768
E-mail: lorlando@onlinemcf.com Report Abuse
jewish name
What happens when a merchant account needs a person but an enterprise needs to be the owner of the account?
I will try to shed some light for you on the merchant account application process. Hopefully it will help you understand what exactly is required in the application.
In a merchant account application you will provide details about both your business and your business' owners, including address (business and personal), social security number, tax ID (if applicable), phone numbers, email address, web address, bank account info, etc. The business owners may be more than one, just as it is in your case, and you will provide personal information for all of them.
Be advised that no person from your organization will own the merchant account and the application is not about owning it. The merchant account will provide a way for your company to accept payments and your company's money will then be deposited into your company's bank account, not into one of the owners' accounts.
The application does ask you for a "Contact Person." This is different. A contact person is the one representative (whether it is an owner or not) of your organization that your merchant account provider will contact whenever they need to talk to someone about something. That is all.
Reply:Merchant Capital Funding LLC
Luis Orlando
Senior Funding Specialist
Tel: 866-221-2050
Direct: 646-747-6719
Fax: 800-531-9768
E-mail: lorlando@onlinemcf.com Report Abuse
jewish name
What is the difference between a money market account and a mutual fund?
Are there minimum beginning amounts on either? Peanalties for early withdrawal?
What is the difference between a money market account and a mutual fund?
There are money market mutual funds, however, this is what I think you're talking about.
Money Market accounts: most banks and brokerages offer these. They are essentially savings accounts tied to the market rate, so you get some higher return than a normal fixed savings account rate. You can usually write 3 checks a month, without penalty and withdraw up to 6 times a month. Typically, you must invest anywhere from $5000-25000 to start and hold a minimum balance.
Mutual Funds: These are a collection of stocks held together and invested in with the pooled funds of investors in the fund. You generally spread the risk amongst many investors and many funds. The funds can be tied to indexes, S%26amp;P 500 Index, Overseas Index, socially conscious "Green Funds", types of companies, Small, Mid-Cap, Large-Cap funds, and even bonds.
You can get started with $50/mo., or flat entries of $250 typically.
Hope that helps!
Reply:A mutual fund is a way of investing broadly in the stock market, with the intention of lowering the risk of short-term loss by spreading out the stocks in which the fund invests. To create a mutual fund, a financial institution buys shares of dozens, sometimes hundreds, of companies, and then pools all the earnings (and yes, losses) of those companies into the mutual fund.
The idea is that by choosing a diverse group of strong companies, the fund will offer less risk than simply buying shares in a few individual companies. It's a lot like one of those wildlife documentaries where the lions eat one or two zebra but the whole herd gets away. The mutual fund works on a similar principle -- if the fund contains, say, 30 different stocks, on any given day five or ten might drop, another ten might stay about the same, and another ten might go up.
Mutual funds are therefore an investment in the stock market, with the associated risks but also rewards. The challenge with a mutual fund is in finding one with a good, smart fund manager who chooses stocks wisely and keeps on top of changes and trends in the market that apply to the individual shares that make up the mutual fund. So one of the ways of analyzing a mutual fund's strengths is to look at how long the manager has been in charge; if he or she has years of success, this should give you some confidence that the fund will continue to grow.
A money-market account, on the other hand, trades in short-term securities like US Treasury bills and certificates of deposit, in an effort to find the highest short-term return on an investment. A money-market account is typically very liquid -- that is, you can contribute and withdraw fairly easily, depending on the terms of your financial institution. Money-market accounts always keep their share value at $1, and pay their returns by increasing the number of shares you have -- distinct from the mutual fund, in which the shares go up or down in value depending on the average of all the shares that make up the mutual fund.
One key distinction: mutual funds can (and often do) lose money some days while making money others, because they are made up of companies trading on the stock market. If you hate to see your balance drop, even by a small amount, a mutual fund may be a frightening investment if you look too closely at it. However, a good fund should provide steady growth over the long term; it's a typical place to invest 401(k) or IRA money, for example.
And just to make matters more confusing... there IS a special type of mutual fund that trades only in money markets. However, this is usually called a "money market fund;" it uses the principle of the mutual fund to spread the risk, while using the practice of the money-market account to focus on short-term, low-risk investments.
Minimum amounts and penalties will vary from institution to institution, so ask before you buy either. However, mutual funds do charge a maintenance fee (the fund manager has to make payments on his Carrera Cabriolet, you know :-), and the size of these fees can have an impact on your overall return and profitability.
To offset this, though, many mutual funds also pay dividends -- that is, in addition to the appreciation you may receive when the fund grows in value over time, you may also be paid dividends when the companies owned by the fund pay them. Most mutual funds (that I know of, at least) automatically pay those dividends by reinvesting them in your mutual fund rather than by writing you a check. So in essence if you own 100 shares of Fidelity Equity Income Fund (symbol: FEQIX) and it goes up (it went up 29 cents a share yesterday to close at 59.33), you still own 100 shares. But if FEQIX pays a dividend of 59.33 cents a share (to make the math easy), you will own 101 shares of FEQIX (100 times 59 cents equals 59 dollars) when the dividend is reinvested.
Last... the Morningstar group (http://www.morningstar.com/) evaluates mutual funds and rates them based on their performance and other characteristics over time. That's a good place to get some unbiased info on specific mutual funds.
Reply:To the best of my knowledge, a money market account is about the same as a saving account with different policies. As to minimum amounts, it varies with the institution your are dealing with. I don't think most have penalties for withdrawals except they may charge you a fee if you make more withdrawals per month, quarter etc. than their plan allows.
Mutual funds are like stock accounts that you buy shares in. You then become and owner in that fund.
Hope this helps a little
Reply:A money market is a type of bank account. The funds in a money market can be used to purchase mutual funds, which are types of investment.
What is the difference between a money market account and a mutual fund?
There are money market mutual funds, however, this is what I think you're talking about.
Money Market accounts: most banks and brokerages offer these. They are essentially savings accounts tied to the market rate, so you get some higher return than a normal fixed savings account rate. You can usually write 3 checks a month, without penalty and withdraw up to 6 times a month. Typically, you must invest anywhere from $5000-25000 to start and hold a minimum balance.
Mutual Funds: These are a collection of stocks held together and invested in with the pooled funds of investors in the fund. You generally spread the risk amongst many investors and many funds. The funds can be tied to indexes, S%26amp;P 500 Index, Overseas Index, socially conscious "Green Funds", types of companies, Small, Mid-Cap, Large-Cap funds, and even bonds.
You can get started with $50/mo., or flat entries of $250 typically.
Hope that helps!
Reply:A mutual fund is a way of investing broadly in the stock market, with the intention of lowering the risk of short-term loss by spreading out the stocks in which the fund invests. To create a mutual fund, a financial institution buys shares of dozens, sometimes hundreds, of companies, and then pools all the earnings (and yes, losses) of those companies into the mutual fund.
The idea is that by choosing a diverse group of strong companies, the fund will offer less risk than simply buying shares in a few individual companies. It's a lot like one of those wildlife documentaries where the lions eat one or two zebra but the whole herd gets away. The mutual fund works on a similar principle -- if the fund contains, say, 30 different stocks, on any given day five or ten might drop, another ten might stay about the same, and another ten might go up.
Mutual funds are therefore an investment in the stock market, with the associated risks but also rewards. The challenge with a mutual fund is in finding one with a good, smart fund manager who chooses stocks wisely and keeps on top of changes and trends in the market that apply to the individual shares that make up the mutual fund. So one of the ways of analyzing a mutual fund's strengths is to look at how long the manager has been in charge; if he or she has years of success, this should give you some confidence that the fund will continue to grow.
A money-market account, on the other hand, trades in short-term securities like US Treasury bills and certificates of deposit, in an effort to find the highest short-term return on an investment. A money-market account is typically very liquid -- that is, you can contribute and withdraw fairly easily, depending on the terms of your financial institution. Money-market accounts always keep their share value at $1, and pay their returns by increasing the number of shares you have -- distinct from the mutual fund, in which the shares go up or down in value depending on the average of all the shares that make up the mutual fund.
One key distinction: mutual funds can (and often do) lose money some days while making money others, because they are made up of companies trading on the stock market. If you hate to see your balance drop, even by a small amount, a mutual fund may be a frightening investment if you look too closely at it. However, a good fund should provide steady growth over the long term; it's a typical place to invest 401(k) or IRA money, for example.
And just to make matters more confusing... there IS a special type of mutual fund that trades only in money markets. However, this is usually called a "money market fund;" it uses the principle of the mutual fund to spread the risk, while using the practice of the money-market account to focus on short-term, low-risk investments.
Minimum amounts and penalties will vary from institution to institution, so ask before you buy either. However, mutual funds do charge a maintenance fee (the fund manager has to make payments on his Carrera Cabriolet, you know :-), and the size of these fees can have an impact on your overall return and profitability.
To offset this, though, many mutual funds also pay dividends -- that is, in addition to the appreciation you may receive when the fund grows in value over time, you may also be paid dividends when the companies owned by the fund pay them. Most mutual funds (that I know of, at least) automatically pay those dividends by reinvesting them in your mutual fund rather than by writing you a check. So in essence if you own 100 shares of Fidelity Equity Income Fund (symbol: FEQIX) and it goes up (it went up 29 cents a share yesterday to close at 59.33), you still own 100 shares. But if FEQIX pays a dividend of 59.33 cents a share (to make the math easy), you will own 101 shares of FEQIX (100 times 59 cents equals 59 dollars) when the dividend is reinvested.
Last... the Morningstar group (http://www.morningstar.com/) evaluates mutual funds and rates them based on their performance and other characteristics over time. That's a good place to get some unbiased info on specific mutual funds.
Reply:To the best of my knowledge, a money market account is about the same as a saving account with different policies. As to minimum amounts, it varies with the institution your are dealing with. I don't think most have penalties for withdrawals except they may charge you a fee if you make more withdrawals per month, quarter etc. than their plan allows.
Mutual funds are like stock accounts that you buy shares in. You then become and owner in that fund.
Hope this helps a little
Reply:A money market is a type of bank account. The funds in a money market can be used to purchase mutual funds, which are types of investment.
How do i set up a new itunes account without deleting all my current songs on my ipod?
Ok so my comp crash so all my stuff on itunes is gone, but when i plug the ipod into another computer on itunes i cant add more songs or anything without deleting everything i currently have on it and i reallly dont want to loose everything! HELP!
How do i set up a new itunes account without deleting all my current songs on my ipod?
What you have to do is change the setting to add songs manually. But first you must authorize the computer. Go to where it says Advance and from there go all the way down to Authorize the Computer. Type in your Itunes name and password and thats should fixes it.
Reply:if you log in and plug in you ipod. click check for purchases it should bring up all the songs you have bought from the itunes store. it will not bring up any of your cds or anything else. only what you got from itunes so you'll have to upload all your cds again or refind other songs.
How do i set up a new itunes account without deleting all my current songs on my ipod?
What you have to do is change the setting to add songs manually. But first you must authorize the computer. Go to where it says Advance and from there go all the way down to Authorize the Computer. Type in your Itunes name and password and thats should fixes it.
Reply:if you log in and plug in you ipod. click check for purchases it should bring up all the songs you have bought from the itunes store. it will not bring up any of your cds or anything else. only what you got from itunes so you'll have to upload all your cds again or refind other songs.
Any suggestions on who to start a savings account with?
if I am planning to start saving $850.00 a month, into a savings account, which would give me more money over say a year or two; an account that compounds daily or monthly? And, any suggestions of whom I can start saving with? Or, would it be wiser to save up and invest the minimum required for a money market account? The reason I am so interested is I am a single parent and trying to save up for a home, the more you can pay down, the lower the monthly payments will be, and hopefully the better the home I can afford.
Any suggestions on who to start a savings account with?
If You Live on the East Coast in the NY%26lt;Phila,Dela,Maryland area you might want to look into cd's with Commerce Bank.
here is a list of the current rates.
--------------------------------------...
CONVENTIONAL CDs
--------------------------------------...
Only $500 to open!
To open an account, call 1-888-751-9000, click here or visit any store!
The rates are effective September 9, 2007. Terms and rates are subject to change without notice.
Here is a sample of our rates:
Account Type* Annual Percentage Yield (APY)
20-Day 3.00%
Three (3) Months ** 4.00%
Six (6) Months 3.75%
Eight (8) Months ** 5.00%
Nine (9) Months 3.75%
One (1) Year 3.75%
Thirteen (13) Months ** 4.60%
Sixteen (16) Months ** 4.75%
Eighteen (18) Months 3.75%
Two (2) Years 4.00%
Thirty (30) Months 4.00%
Three (3) Years 4.00%
Four (4) Years 4.00%
Five (5) Years 4.25%
check out the 8 month rate.
just a though,Good Luck
Commerce is a good Place to do Business,my Family has been doing Business there since 1985
Reply:very good question! u should first check around in ur area who the major fed funded banks are? get their pamplets; @ the percent rates for both daily, and mon compds. u may also want to check into what each co's trust accts. are paying for a pers. trust acct. u may find that at the end of 1-2 yrs the comp. intrsts. will have given more cash in ur pocket in intrest, compare the $ ratio? good luck.
Reply:First off, congratulations on being able to save such a great sum of money and while being a single parent. I'm in the mortgage industry and it is very tragic out there for those folks who couldn't put any money down as they're losing their homes left and right. You're heading down the exact right path!
Few things to look into in order of low to high return:
1) Savings account = very low interest but safest investment (INGDirect is a good call here)
2) Money Market account with bank (check out bankrate.com)
3) CD = better interest rate but money is locked up. Some folks "ladder" CD's so you might put $850 in a 3 month CD the first month, then $850 in a 6 month CD the second month and so on. It takes a bit of work but gets you better interest with the safety of being at a regular bank. (bankrate.com will have the latest info)
4) Money Market Mutual Fund = better interest rates but no FDIC protection. The first three will typically of FDIC protection so if something goes wrong the government will protect you for up to $100,000. I don't sweat the FDIC when in comes to Money Market Mutual Funds as they're typically just as safe and have never in their history lost money. (I like Vanguard's Prime Money Market account at www.vanguard.com)
5) Treasury Notes = even better with safety of government. You can go to www.treasurydirect.gov for more information.
6) Short term bonds = riskiest but probably the best return you're going to get. You can invest in these typically through any broker such as Scottrade.
I'd recommend #4 as it's safe and will give a decent return. I'd also look up Eric Tyson's Dummies series books. He's a great writer and has written a bunch of books on buying a home such as:
Home Buying for Dummies
Mortgages for Dummies
Personal Finance for Dummies
They're all great books that will give you some insights on how to go about purchasing a home and maybe even getting into one faster.
HTH...
Reply:Most brick and mortar banks pay a tiny amount of interest, usually less than 1%.
Go to www.bankrate.com and do a search of banks paying the highest interest rates on savings.
Right now there are several online banks paying around 5.30% in interest.
When checking out the account, see if you can have a portion of your paycheck automatically deposited into that account by your employer, or see if you can instruct your savings bank to automatically deduct from your checking shortly after each pay period. This way you automatically save and get used to living on less.
Reply:Daily compounding will be better than monthly. Pretty much any bank would be fine, what you are looking for is the best rate of return.
Rather than a savings account though I would suggest you look into other investments. A money market fund or an ETF investing in fixed income securities. While you might pay a little for the investment they should give you an after their fee return that is better than a savings account. Also, I would suggest look into a Roth IRA. The investment income will accumulate tax free (your savings account interest won't) and you can use the funds to make a first time home purchase without paying tax.
Reply:check this link its good
http://datentryworksworkathomeobs.blogsp...
.
Any suggestions on who to start a savings account with?
If You Live on the East Coast in the NY%26lt;Phila,Dela,Maryland area you might want to look into cd's with Commerce Bank.
here is a list of the current rates.
--------------------------------------...
CONVENTIONAL CDs
--------------------------------------...
Only $500 to open!
To open an account, call 1-888-751-9000, click here or visit any store!
The rates are effective September 9, 2007. Terms and rates are subject to change without notice.
Here is a sample of our rates:
Account Type* Annual Percentage Yield (APY)
20-Day 3.00%
Three (3) Months ** 4.00%
Six (6) Months 3.75%
Eight (8) Months ** 5.00%
Nine (9) Months 3.75%
One (1) Year 3.75%
Thirteen (13) Months ** 4.60%
Sixteen (16) Months ** 4.75%
Eighteen (18) Months 3.75%
Two (2) Years 4.00%
Thirty (30) Months 4.00%
Three (3) Years 4.00%
Four (4) Years 4.00%
Five (5) Years 4.25%
check out the 8 month rate.
just a though,Good Luck
Commerce is a good Place to do Business,my Family has been doing Business there since 1985
Reply:very good question! u should first check around in ur area who the major fed funded banks are? get their pamplets; @ the percent rates for both daily, and mon compds. u may also want to check into what each co's trust accts. are paying for a pers. trust acct. u may find that at the end of 1-2 yrs the comp. intrsts. will have given more cash in ur pocket in intrest, compare the $ ratio? good luck.
Reply:First off, congratulations on being able to save such a great sum of money and while being a single parent. I'm in the mortgage industry and it is very tragic out there for those folks who couldn't put any money down as they're losing their homes left and right. You're heading down the exact right path!
Few things to look into in order of low to high return:
1) Savings account = very low interest but safest investment (INGDirect is a good call here)
2) Money Market account with bank (check out bankrate.com)
3) CD = better interest rate but money is locked up. Some folks "ladder" CD's so you might put $850 in a 3 month CD the first month, then $850 in a 6 month CD the second month and so on. It takes a bit of work but gets you better interest with the safety of being at a regular bank. (bankrate.com will have the latest info)
4) Money Market Mutual Fund = better interest rates but no FDIC protection. The first three will typically of FDIC protection so if something goes wrong the government will protect you for up to $100,000. I don't sweat the FDIC when in comes to Money Market Mutual Funds as they're typically just as safe and have never in their history lost money. (I like Vanguard's Prime Money Market account at www.vanguard.com)
5) Treasury Notes = even better with safety of government. You can go to www.treasurydirect.gov for more information.
6) Short term bonds = riskiest but probably the best return you're going to get. You can invest in these typically through any broker such as Scottrade.
I'd recommend #4 as it's safe and will give a decent return. I'd also look up Eric Tyson's Dummies series books. He's a great writer and has written a bunch of books on buying a home such as:
Home Buying for Dummies
Mortgages for Dummies
Personal Finance for Dummies
They're all great books that will give you some insights on how to go about purchasing a home and maybe even getting into one faster.
HTH...
Reply:Most brick and mortar banks pay a tiny amount of interest, usually less than 1%.
Go to www.bankrate.com and do a search of banks paying the highest interest rates on savings.
Right now there are several online banks paying around 5.30% in interest.
When checking out the account, see if you can have a portion of your paycheck automatically deposited into that account by your employer, or see if you can instruct your savings bank to automatically deduct from your checking shortly after each pay period. This way you automatically save and get used to living on less.
Reply:Daily compounding will be better than monthly. Pretty much any bank would be fine, what you are looking for is the best rate of return.
Rather than a savings account though I would suggest you look into other investments. A money market fund or an ETF investing in fixed income securities. While you might pay a little for the investment they should give you an after their fee return that is better than a savings account. Also, I would suggest look into a Roth IRA. The investment income will accumulate tax free (your savings account interest won't) and you can use the funds to make a first time home purchase without paying tax.
Reply:check this link its good
http://datentryworksworkathomeobs.blogsp...
.
Do you need a savings account in order ot have a checking account?
This question applies to Bank of America.
If you want a checkings account (campus edge checking account), do you need to have a savings account open.
There's not even $200 in the checkings and I don't have the $300 to put in the savings in order to waive the monthly fees.
Can I cancel the savings and stay only with the checkings account?
Do you need a savings account in order ot have a checking account?
I used to work for Bank of America and am now with one of their competetors, I too would say get away from them...lol!
But, to answer your question, you do NOT have to have a savings account at BOA (usually only Credit Unions will make you have a savings).
If you have a checking account and link it to your savings account and have BOA do an Auto-transfer from your checking to your savings monthly of atleast $25, then your savings account is free and you won't have minimum balance requirements, plus you get to save money and you could participte in the "Keep the Change" program they have (which is really cool).
They also have a custom savings, which only asks that you have $25-$50 balance requirement but you can only withdrawal from it once a month, but if it is for saving purposes, then why not?!
Or you could just have the checking!
I hope this helped - let me know if you need more info!
Reply:there are lots of banks that you can use that do not require you to have a savings account. Why not switch?
I've found that Bank of America tends to cheat people out of their money anyway.
Reply:You can go to washington Mutual and get a Free checking account without having a savings account.
most popular name
If you want a checkings account (campus edge checking account), do you need to have a savings account open.
There's not even $200 in the checkings and I don't have the $300 to put in the savings in order to waive the monthly fees.
Can I cancel the savings and stay only with the checkings account?
Do you need a savings account in order ot have a checking account?
I used to work for Bank of America and am now with one of their competetors, I too would say get away from them...lol!
But, to answer your question, you do NOT have to have a savings account at BOA (usually only Credit Unions will make you have a savings).
If you have a checking account and link it to your savings account and have BOA do an Auto-transfer from your checking to your savings monthly of atleast $25, then your savings account is free and you won't have minimum balance requirements, plus you get to save money and you could participte in the "Keep the Change" program they have (which is really cool).
They also have a custom savings, which only asks that you have $25-$50 balance requirement but you can only withdrawal from it once a month, but if it is for saving purposes, then why not?!
Or you could just have the checking!
I hope this helped - let me know if you need more info!
Reply:there are lots of banks that you can use that do not require you to have a savings account. Why not switch?
I've found that Bank of America tends to cheat people out of their money anyway.
Reply:You can go to washington Mutual and get a Free checking account without having a savings account.
most popular name
How do interest rates work for a savings account?
I'm about to get my own bank account. I wanted to get a debit card at first, but a friend told me that if I use a savings account, I can earn interest. But I don't really know how it works. And she doesn't quite know either. Btw I'll be 14 when I get it.
How do interest rates work for a savings account?
Most interest rates at banks are compounded on a regular scale, either daily, monthly, quarterly, or yearly. What that means is that the annual percentage yield (APY) is based off of what you would make in a given year.
For example: let's say you had a savings account with $1000 and a 5% APY (good luck finding one of these now!). Essentially, over a 12-month period, the bank would give you the equivalent of 5% of the total balance if the balance stayed stable ($50 split over the year). So, if you didn't put any more money into the account, and the interest was paid out, let's say quarterly, every 3 months you would get a $12.50 interest payment.
Since most balances are variable (i.e. nobody keeps the same amount of money in the account) and interest changes the principal (once that first $12.50 payment goes in, your NEW balance is $1012.50, and the APY of 5% is based off of THAT, and not $1000 anymore) it can be sort of confusing. The benefit is that you are ALWAYS making money (even if it is only a penny) as long as you have the savings account open.
The downside is that it normally doesn't have as easy access as a checking account (e.g. no check cards usually) unless it is linked to another account (either checking or money market). You can usually get ATM access, but many savings accounts have minimum balance requirements for opening or maintaining.
Good luck.
Reply:i would go to your local credit union and open a christmas account. they have great interest rates, but they will probably limit withdraws from the account. But if you're 14, you should be able to get into the habit of not having so many withdraws anyways.
Good Luck.
Reply:Credit Union interest rates are better then Banks so check them out first and while you are on the internet, put it to use look up your local banks and credit union websites and check out the interest rates I bet credit unions are paying more anyway Take Care and Good Luck
How do interest rates work for a savings account?
Most interest rates at banks are compounded on a regular scale, either daily, monthly, quarterly, or yearly. What that means is that the annual percentage yield (APY) is based off of what you would make in a given year.
For example: let's say you had a savings account with $1000 and a 5% APY (good luck finding one of these now!). Essentially, over a 12-month period, the bank would give you the equivalent of 5% of the total balance if the balance stayed stable ($50 split over the year). So, if you didn't put any more money into the account, and the interest was paid out, let's say quarterly, every 3 months you would get a $12.50 interest payment.
Since most balances are variable (i.e. nobody keeps the same amount of money in the account) and interest changes the principal (once that first $12.50 payment goes in, your NEW balance is $1012.50, and the APY of 5% is based off of THAT, and not $1000 anymore) it can be sort of confusing. The benefit is that you are ALWAYS making money (even if it is only a penny) as long as you have the savings account open.
The downside is that it normally doesn't have as easy access as a checking account (e.g. no check cards usually) unless it is linked to another account (either checking or money market). You can usually get ATM access, but many savings accounts have minimum balance requirements for opening or maintaining.
Good luck.
Reply:i would go to your local credit union and open a christmas account. they have great interest rates, but they will probably limit withdraws from the account. But if you're 14, you should be able to get into the habit of not having so many withdraws anyways.
Good Luck.
Reply:Credit Union interest rates are better then Banks so check them out first and while you are on the internet, put it to use look up your local banks and credit union websites and check out the interest rates I bet credit unions are paying more anyway Take Care and Good Luck
How do I find out if my Paypal account has been upgraded to Premier?
I rarely use eBay and Paypal, but I got a bunch of stuff that I want to sell. I vaguely remember goofing around with my Paypal account on the Premier membership but I want to make sure I have upgraded before I sell. Thanks in advance.
How do I find out if my Paypal account has been upgraded to Premier?
login to your paypal account and go to "my account" it will tell you what your level of service is.
How do I find out if my Paypal account has been upgraded to Premier?
login to your paypal account and go to "my account" it will tell you what your level of service is.
How hard is it to get a merchant account through yahoo small business via first data?
I am looking to start my own travel agency online, through yahoo small business i need to get a merchant account. Will it hard to get one from first data?
How hard is it to get a merchant account through yahoo small business via first data?
Virtually impossible. This is because travel agencies themselves are frowned upon due to their high chargeback potential and to make it worse online transactions are the most difficult accounts to get. This means that without providing a hefty deposit, reserve, or letter of credit to First Data it almost certainly isn't going to happen. Sorry.
How hard is it to get a merchant account through yahoo small business via first data?
Virtually impossible. This is because travel agencies themselves are frowned upon due to their high chargeback potential and to make it worse online transactions are the most difficult accounts to get. This means that without providing a hefty deposit, reserve, or letter of credit to First Data it almost certainly isn't going to happen. Sorry.
How do I transfer iTunes movies from one account to another each on separate commuters?
I got a new laptop and set up an iTunes account I want to transfer my movies without the holder of the old account to have to authorize my laptop
How do I transfer iTunes movies from one account to another each on separate commuters?
You can try this software to backup the stuffs in your iPod/iPhone/iTouch. Recover lost or missing music, backup and restore all of your iPod/iPhone/iTouch content, including your favorite songs, videos, photo files and Play Lists, and that's not all. You can try this software to backup songs, videos, photos in iPod to PC, copy iPod songs, videos, photos to new ipod, computer or notebook.
http://www.dvd-video-converters.com/ipod...
Some useful information you can get on the official site:
http://www.apple.com
name latin
How do I transfer iTunes movies from one account to another each on separate commuters?
You can try this software to backup the stuffs in your iPod/iPhone/iTouch. Recover lost or missing music, backup and restore all of your iPod/iPhone/iTouch content, including your favorite songs, videos, photo files and Play Lists, and that's not all. You can try this software to backup songs, videos, photos in iPod to PC, copy iPod songs, videos, photos to new ipod, computer or notebook.
http://www.dvd-video-converters.com/ipod...
Some useful information you can get on the official site:
http://www.apple.com
name latin
What's the best company to open an account with for a first time stock trader?
I'm going to start small so I can't pay large fees. I'm going to do this online only. I don't want to meet with a financial advisor.
What's the best company to open an account with for a first time stock trader?
I would start with either Ameritrade or Etrade. Since it seems like you are a novice investor, I wouldn't worry about getting into the the more advanced programs out there just yet. I like ameritrade becomes it is very simple and easy to use, and the commision terms are straight and simple. $9.99 a trade. You also will get 90 days of free trading if you transfer $2,000.00 or more. Good luck!
Reply:e-trade!
Reply:You may also want to consider joining our stock picking group to share experiences/strategies with other stock traders:
http://finance.groups.yahoo.com/group/Tr...
We do polls on online brokers every once in a while too.
Reply:etrade or ameritrade or any of the other major companies will give you roughly the same service.
However, small stock trades for beginners are a poor investment strategy. You will most likely lose money. Beginners trading in small quantities inevitably hold a stock too long, or buy at the wrong time.
Consider using mutual funds to build your invest ment portfolio first - they are either managed by computer systems (indexed funds) or actively managed by a team of experts. Either way, they can diversify your investment and ensure stocks are bought and sold at the right time. An index fund from Vanguard will have very low management costs, so you are less likely to lose money. You can open a ROTH IRA with Vanguard and invest within that, to further increase your tax efficiency.
Trading stocks involves fees every time you trade; you don't pay a fee with a mutual fund.
If you do not have sufficient to start in a mutual fund (the minimum investment at Vanguard is $1000 in their Star fund) then consider buying ETFs through one of the online brokers. This again will spread your risk, and because they move automatically with indexes, will also reduce your risk.
Reply:http://goldenbullpicks.com is perfect for what you want.
Reply:Here's a link to look at:
http://articles.moneycentral.msn.com/Inv...
Considerations:
Would you miss the money if you lost it?
Only play with what you can afford to lose.
The market is a dangerous place for new players and you are best to equip yourself with some knowledge before throwing money at the market.
What's the best company to open an account with for a first time stock trader?
I would start with either Ameritrade or Etrade. Since it seems like you are a novice investor, I wouldn't worry about getting into the the more advanced programs out there just yet. I like ameritrade becomes it is very simple and easy to use, and the commision terms are straight and simple. $9.99 a trade. You also will get 90 days of free trading if you transfer $2,000.00 or more. Good luck!
Reply:e-trade!
Reply:You may also want to consider joining our stock picking group to share experiences/strategies with other stock traders:
http://finance.groups.yahoo.com/group/Tr...
We do polls on online brokers every once in a while too.
Reply:etrade or ameritrade or any of the other major companies will give you roughly the same service.
However, small stock trades for beginners are a poor investment strategy. You will most likely lose money. Beginners trading in small quantities inevitably hold a stock too long, or buy at the wrong time.
Consider using mutual funds to build your invest ment portfolio first - they are either managed by computer systems (indexed funds) or actively managed by a team of experts. Either way, they can diversify your investment and ensure stocks are bought and sold at the right time. An index fund from Vanguard will have very low management costs, so you are less likely to lose money. You can open a ROTH IRA with Vanguard and invest within that, to further increase your tax efficiency.
Trading stocks involves fees every time you trade; you don't pay a fee with a mutual fund.
If you do not have sufficient to start in a mutual fund (the minimum investment at Vanguard is $1000 in their Star fund) then consider buying ETFs through one of the online brokers. This again will spread your risk, and because they move automatically with indexes, will also reduce your risk.
Reply:http://goldenbullpicks.com is perfect for what you want.
Reply:Here's a link to look at:
http://articles.moneycentral.msn.com/Inv...
Considerations:
Would you miss the money if you lost it?
Only play with what you can afford to lose.
The market is a dangerous place for new players and you are best to equip yourself with some knowledge before throwing money at the market.
How do I respond to letter regarding an account that the customer has disconnected I want to win back?
The Customer disconnected 300 of their 500 lines of service. The customer is unhappy with the sales rep,because he never returns his calls. The company had old phones that did not work , so that activated with another company
How do I respond to letter regarding an account that the customer has disconnected I want to win back?
they probably have a contract with new company, so you might have to wait a year or more to rebid the business
Reply:Why didn't you talk to the company, while he was a client to see how things were going?. He is gone for a year or two.
Reply:I would contact the customer and ask what you can do to win his/her business back? Ask what would make them happy - keep it simple...
girl name
How do I respond to letter regarding an account that the customer has disconnected I want to win back?
they probably have a contract with new company, so you might have to wait a year or more to rebid the business
Reply:Why didn't you talk to the company, while he was a client to see how things were going?. He is gone for a year or two.
Reply:I would contact the customer and ask what you can do to win his/her business back? Ask what would make them happy - keep it simple...
girl name
How do you add pictures to your gaia account profile?
I want to add pictures (the ones they provide) to my profile. How? Also I want to be able to edit the titles and stuff.
How do you add pictures to your gaia account profile?
It's the same way as if you are doing your posts in forums, BBC code. Except you have to type in the codes by yourself.
But, if you go to photobucket, when you go to a pic. They already have the code with its URL ready for you, so just copy it and put it in your profile.
How do you add pictures to your gaia account profile?
It's the same way as if you are doing your posts in forums, BBC code. Except you have to type in the codes by yourself.
But, if you go to photobucket, when you go to a pic. They already have the code with its URL ready for you, so just copy it and put it in your profile.
How do I set up a good freewebs account?
I don't know how to put up a layout or where or how to do anything so any tips at all would help! All's I know how to do is create the accoun intself and thats it.
Thank you for taking the time to help me.
How do I set up a good freewebs account?
if you are looking to create a web site I suggest you visit http://www.webdevelopersnotes.com/ which has tons of free tutorials on web design, web development, HTML, JavaScript, web resources etc. This will really help you in the long run.
Thank you for taking the time to help me.
How do I set up a good freewebs account?
if you are looking to create a web site I suggest you visit http://www.webdevelopersnotes.com/ which has tons of free tutorials on web design, web development, HTML, JavaScript, web resources etc. This will really help you in the long run.
How can I withdraw money from my savings account in another country?
I don't have a ATM Debit card, My money is not in my account yet. It arrives 1 day after my flight. What can I do so that I can get my money? Can I tell them to wire it or something. Can I open up a bank account over there, and ask them to wire it to that account?
How can I withdraw money from my savings account in another country?
You can set up a wire transfer prior to you leaving the country, even though the money is not in your account. Its like scheduling a payment to yourself, but you would need to open an account in that country which could make sense depending on how long you are going to be there. Another option is set up for a cashier's check to overnighted to you and just cash it. With that said, I would very strongly suggest that you get an ATM debit card becuase the machines (especially if you belong to a large bank like Bank of America) offer far better exchange rates than do the Airport and walk in banks. Also pay for as much as possible before you leave, hotels, car rentals, etc. becuase if the country you are going has a stronger currency than America (which a lot of countries do right now) all those things are going to considerably more expenisve. For example a grilled cheese France when converted to U.S. dollars would average 13 dollars.
How can I withdraw money from my savings account in another country?
You can set up a wire transfer prior to you leaving the country, even though the money is not in your account. Its like scheduling a payment to yourself, but you would need to open an account in that country which could make sense depending on how long you are going to be there. Another option is set up for a cashier's check to overnighted to you and just cash it. With that said, I would very strongly suggest that you get an ATM debit card becuase the machines (especially if you belong to a large bank like Bank of America) offer far better exchange rates than do the Airport and walk in banks. Also pay for as much as possible before you leave, hotels, car rentals, etc. becuase if the country you are going has a stronger currency than America (which a lot of countries do right now) all those things are going to considerably more expenisve. For example a grilled cheese France when converted to U.S. dollars would average 13 dollars.
How do I withdraw money from my bank account?
i've had a personal savings account for several years at Bank of America, i have never needed to take any money out but now that i'm in college(freshman), i need dough to make some purchases. what do i need to take out a couple hundred bucks? from the drive through window or walk-in. This is my first-time.
How do I withdraw money from my bank account?
You could withdraw either way. I would do the drive through b/c I feel it's safer. All you need is your license and I think your account number. I haven't been to a drive through recently b/c ATMs are everywhere around my college. But once you get there you have to fill out a slip and put your info on it.
Reply:Go to the bank with some sort of weapon and forcefully ask for your money. They'll help you.
Reply:do in and fill out a withdraw slip for 100 dollars
Reply:Hello,
Here is your answer. Drive Thru: Drive through with your ATM card in hand, have your pin ready. Make sure all doors and windows are locked. Withdraw cash, roll up windows and drive away.
Walk In: Fill out slip, have ATM Prepared, approach the tell window. And withdraw your cash. It is that easy. I have been doing this a long time. I had my first bank account at 12 so i know alot about it ! LOL
name common
How do I withdraw money from my bank account?
You could withdraw either way. I would do the drive through b/c I feel it's safer. All you need is your license and I think your account number. I haven't been to a drive through recently b/c ATMs are everywhere around my college. But once you get there you have to fill out a slip and put your info on it.
Reply:Go to the bank with some sort of weapon and forcefully ask for your money. They'll help you.
Reply:do in and fill out a withdraw slip for 100 dollars
Reply:Hello,
Here is your answer. Drive Thru: Drive through with your ATM card in hand, have your pin ready. Make sure all doors and windows are locked. Withdraw cash, roll up windows and drive away.
Walk In: Fill out slip, have ATM Prepared, approach the tell window. And withdraw your cash. It is that easy. I have been doing this a long time. I had my first bank account at 12 so i know alot about it ! LOL
name common
How do you find out what your chequing account number is?
Signing my account up for ebay, and it needs my chequing account number Thank-you!
How do you find out what your chequing account number is?
You can ask your bank...but yes.... it is on the bottom of your check
The first group of numbers is the routing number... it tells what bank you are with...
The second group is your account number
The third group is your check number
Reply:It's on the bottom of your checks after the : (colon)
The first set of numbers is the banks routing number. The numbers after the colon is your account number.
Reply:your checking account number is on your checks on the bottom center part of the check. Your checking account number is also on you bank statement.
Reply:Your acct no. is on your checks, deposit slips and also your monthly statement.
Reply:its on the bottom of your checks. 2nd group
Reply:bottom right hand set of numbers on your checks
How do you find out what your chequing account number is?
You can ask your bank...but yes.... it is on the bottom of your check
The first group of numbers is the routing number... it tells what bank you are with...
The second group is your account number
The third group is your check number
Reply:It's on the bottom of your checks after the : (colon)
The first set of numbers is the banks routing number. The numbers after the colon is your account number.
Reply:your checking account number is on your checks on the bottom center part of the check. Your checking account number is also on you bank statement.
Reply:Your acct no. is on your checks, deposit slips and also your monthly statement.
Reply:its on the bottom of your checks. 2nd group
Reply:bottom right hand set of numbers on your checks
How do I set up an international savings account in the US that I can access from Colombia?
More specifically, I want to open a savings account that allows me to access the money from Colombia if I ever want to.
How do I set up an international savings account in the US that I can access from Colombia?
you can try an international bank like CitiBank or HSBC
or...
you can have a regular bank account from the US and use your ATM card in any ATM
or...
use an online account like ING.com
How do I set up an international savings account in the US that I can access from Colombia?
you can try an international bank like CitiBank or HSBC
or...
you can have a regular bank account from the US and use your ATM card in any ATM
or...
use an online account like ING.com
How come it takes a few days to transfer money from my checking account to my brokerage account?
Why can't the money show up there instantly? Is one or the other just hiding for a little bit so that they can keep the extra interest on it?
How come it takes a few days to transfer money from my checking account to my brokerage account?
How is the money being transfered?
How come it takes a few days to transfer money from my checking account to my brokerage account?
How is the money being transfered?
How can I cancel a World Vision sponsorship account?
I have been sponsoring a child for a few years and it has been wonderful, however, I will not be able to continue payments. I've searched the site all over, but I cannot find out how to end my sponsorship. Any help would be greatly appreciated!
How can I cancel a World Vision sponsorship account?
THis is contact info on the site. you could try that
1-888-511-6592 To sponsor a child offline
(To sponsor online, click here.)
1-888-511-6548 General information, resource requests, or other
1-888-511-6593 One-time giving/Emergency relief
1-888-511-6594 World Vision Gift Catalog
1-888-511-6596 En espa帽ol
253-815-1000 U.S. headquarters switchboard %26amp; voicemail
At this link on the site.. you can ask them a question:
https://www.worldvision.org/worldvision/...
Reply:It's a one year commitment Report Abuse
fantasy name
How can I cancel a World Vision sponsorship account?
THis is contact info on the site. you could try that
1-888-511-6592 To sponsor a child offline
(To sponsor online, click here.)
1-888-511-6548 General information, resource requests, or other
1-888-511-6593 One-time giving/Emergency relief
1-888-511-6594 World Vision Gift Catalog
1-888-511-6596 En espa帽ol
253-815-1000 U.S. headquarters switchboard %26amp; voicemail
At this link on the site.. you can ask them a question:
https://www.worldvision.org/worldvision/...
Reply:It's a one year commitment Report Abuse
fantasy name
How do I get out of my Sprint account without paying huge fee?
I've heard there's a way to call up and get out of paying huge fee. Anyone got any pointers?
How do I get out of my Sprint account without paying huge fee?
It's difficult, but if you can claim one of the following, they won't charge you the fee.
1. You moved recently, or you took a new job, where you do not get service. Keep in mind they can see your bill, so be careful with the "I moved" approach. New job they can't prove, however, and many times they will let you slide without any penalty.
2. A new charge has been added to your bill. This can be ANYTHING. An extra tax, a change in your plan, anything you didn't authorize yourself. If you find ANY discrepancy on your bill, you can cancel your service with no charge. There is a catch: Sprint used to have a 90 day bill dispute time frame, which I believe they recently changed to 30 days.
3. Your third option is to complain about the service since you signed on. Tell them how much better Verizon works on your street, they LOVE that. Either way, if you can convince them that you've always had problems with your service, but pay your bill on time, and just put up with it because you thought that just how it was, they'll let you out of the contract. This actually worked for a friend of mine who then switched to AT%26amp;T, who turned out to be worse, but that's another story.
If all else fails, and they won't let you out, tell them you want to cancel anyway. They will transfer you to a rep who will do almost anything to keep you as a customer. You could end up with a hefty credit, a better plan, a new phone, or who knows what they will throw at you. As a RadioShack associate, I once got a customer an over $700 CREDIT (not kidding) for what the customer called unfair overages. That was the most I've ever seen them bend.
I hope that at least helps and best of luck to you. It's not easy.
How do I get out of my Sprint account without paying huge fee?
It's difficult, but if you can claim one of the following, they won't charge you the fee.
1. You moved recently, or you took a new job, where you do not get service. Keep in mind they can see your bill, so be careful with the "I moved" approach. New job they can't prove, however, and many times they will let you slide without any penalty.
2. A new charge has been added to your bill. This can be ANYTHING. An extra tax, a change in your plan, anything you didn't authorize yourself. If you find ANY discrepancy on your bill, you can cancel your service with no charge. There is a catch: Sprint used to have a 90 day bill dispute time frame, which I believe they recently changed to 30 days.
3. Your third option is to complain about the service since you signed on. Tell them how much better Verizon works on your street, they LOVE that. Either way, if you can convince them that you've always had problems with your service, but pay your bill on time, and just put up with it because you thought that just how it was, they'll let you out of the contract. This actually worked for a friend of mine who then switched to AT%26amp;T, who turned out to be worse, but that's another story.
If all else fails, and they won't let you out, tell them you want to cancel anyway. They will transfer you to a rep who will do almost anything to keep you as a customer. You could end up with a hefty credit, a better plan, a new phone, or who knows what they will throw at you. As a RadioShack associate, I once got a customer an over $700 CREDIT (not kidding) for what the customer called unfair overages. That was the most I've ever seen them bend.
I hope that at least helps and best of luck to you. It's not easy.
What do you call a tax free medical account?
What is it called when your company allows you to set aside tax free money from your check to put towards medical, dental, or vision expenses. My company doesn't have vision or dental so I want to convince them to do this. What should I say to them?
What do you call a tax free medical account?
Flexible Spending Plan, Cafeterial Plan, Section 125 Plan (different names of the same thing), Health Savings Account. Tell your company if they do this, it will lower the taxable payroll that they will have to pay payroll taxes on. That should help convince them. I've attached a links to these to help you.
Reply:A Flexible Spending Account would allow you to set aside pre-tax money to pay medical expenses. Information for employers on setting up such an account is detailed in the following IRS publication:
http://www.irs.gov/publications/p15b/ar0...
A second option for your employer is to allow you to establish a Health Savings Account in connection with a high-deductible health insurance policy. You and/or your employer could make contributions to the HSA. Medical expenses paid for with the HSA would be tax-free. After-tax contributions you make to the HSA would be tax-deductible.
The above link also discusses the HSA from the employer's perspective.
Finally, if your employer doesn't set up either the FSA or the HSA for you, you could still establish an HSA for yourself as long as you carry high-deductible health insurance.
Reply:Section 125 plan
Flex Spending Plan
Cafeteria Plan
3 names for the same item.
Reply:There are a couple. One is a Flexible Spending Account where you can use the funds for various purposes such as child care or unreimbursed medical expenses. Any funds remaining in the account at the end of the year are forfeit, so you have to be careful about how much you put in so that you don't lose anything.
Another is a Medical Savings Account. This is like an IRA (you can set one up yourself or your compnay may sponsor one) and allows you to accumulate earnings without tax as well as take a deduction for the contributions. No tax or penalty is levied if you use the funds for unreimbursed medical expenses.
What do you call a tax free medical account?
Flexible Spending Plan, Cafeterial Plan, Section 125 Plan (different names of the same thing), Health Savings Account. Tell your company if they do this, it will lower the taxable payroll that they will have to pay payroll taxes on. That should help convince them. I've attached a links to these to help you.
Reply:A Flexible Spending Account would allow you to set aside pre-tax money to pay medical expenses. Information for employers on setting up such an account is detailed in the following IRS publication:
http://www.irs.gov/publications/p15b/ar0...
A second option for your employer is to allow you to establish a Health Savings Account in connection with a high-deductible health insurance policy. You and/or your employer could make contributions to the HSA. Medical expenses paid for with the HSA would be tax-free. After-tax contributions you make to the HSA would be tax-deductible.
The above link also discusses the HSA from the employer's perspective.
Finally, if your employer doesn't set up either the FSA or the HSA for you, you could still establish an HSA for yourself as long as you carry high-deductible health insurance.
Reply:Section 125 plan
Flex Spending Plan
Cafeteria Plan
3 names for the same item.
Reply:There are a couple. One is a Flexible Spending Account where you can use the funds for various purposes such as child care or unreimbursed medical expenses. Any funds remaining in the account at the end of the year are forfeit, so you have to be careful about how much you put in so that you don't lose anything.
Another is a Medical Savings Account. This is like an IRA (you can set one up yourself or your compnay may sponsor one) and allows you to accumulate earnings without tax as well as take a deduction for the contributions. No tax or penalty is levied if you use the funds for unreimbursed medical expenses.
How can I change the status of an account from derogatory to open?
I have an account that was "derogatory". I made payment arrangements and started paying it. It shows open-current under Experian, but Transunion keeps saying it's derogatory. What can I do to make Transunion show the account as open?
How can I change the status of an account from derogatory to open?
You always have the opportunity to dispute an item on your credit report. For some reason I find that Transunion seems to be a little slower than the other two on updating account information (this applies to positive and negative information). If you were late in payments your credit report is likely to still show the payments as being late. Good Luck
Reply:There are only two ways to change/delete a credit record.
1) The creditor must do it
2) The creditor fails to respond to a dispute investigation from the credit bureau. In this case the entry is deleted.
So file a dispute the the credit bureau.
Reply:contact either the credit bureau or the creditor and file a dispute. if it's legit then they'll remove it.
How can I change the status of an account from derogatory to open?
You always have the opportunity to dispute an item on your credit report. For some reason I find that Transunion seems to be a little slower than the other two on updating account information (this applies to positive and negative information). If you were late in payments your credit report is likely to still show the payments as being late. Good Luck
Reply:There are only two ways to change/delete a credit record.
1) The creditor must do it
2) The creditor fails to respond to a dispute investigation from the credit bureau. In this case the entry is deleted.
So file a dispute the the credit bureau.
Reply:contact either the credit bureau or the creditor and file a dispute. if it's legit then they'll remove it.
Are you required to received notice that an account is going to collections?
The situation, 2003 taxes prepared by H%26amp;R Block. An error was made on the local taxes and I took taxes back to them and they said they took care of it. Six months later I received another notice from local tax authority that they never recieved payment and were charging me fees, including sending the account to collections. But I never received a notice they were sending it to collections. Do I have any power to fight paying the collections charges since I received no notice? Further, H%26amp;R block will not pay anything! I have talked to managers, etc. Beware of them, their guarantee is faulty! This occured in Williamsport, Pennsylvania.
Are you required to received notice that an account is going to collections?
No. When you filed in '04, '05 you should've had some indication that these taxes were still owed.
Go to www.irs.gov, type states in the search box, click on the link to your State. There should be contact information to speak to a human. Find out all you can, and ask for copies of what they show is owed....
good luck %26amp; bless
Reply:If after 6 months you received a notice that they didn't receive your payment...and they were sending it to collections..then they did notify you...if H %26amp; R Block made the correction...it's not their responsibility to pay your taxes for you....They don't guarantee payment for you.....they guarantee their work..and they fixed their work, I'm certain at no charge to you.....Probably should pay the tax authorities....tax evasion is quite a heafty charge!
Reply:Local tax...pay up..
Reply:Ignore every thing. Calls, letters, and threats. Debtors prison no longer exists and you will get a nervous breakdown arguing with a 7 dollar an hour ex-convict, on your phone.
Reply:If you are giving ALL the info, it sounds like H%26amp;R Block is responsible for your situation. Most reputable people will advise you that your accounts are going into collections after they have exausted all attempts to contact you. Keep in mind that people who use collection agencies, actually lose money. They would rather get the money from you. Forget the people you've been dealing with and go to the H%26amp;R Block wed site (just type in H%26amp;R Block on your search engine) and speak to someone there. You should get some help.
dog names
Are you required to received notice that an account is going to collections?
No. When you filed in '04, '05 you should've had some indication that these taxes were still owed.
Go to www.irs.gov, type states in the search box, click on the link to your State. There should be contact information to speak to a human. Find out all you can, and ask for copies of what they show is owed....
good luck %26amp; bless
Reply:If after 6 months you received a notice that they didn't receive your payment...and they were sending it to collections..then they did notify you...if H %26amp; R Block made the correction...it's not their responsibility to pay your taxes for you....They don't guarantee payment for you.....they guarantee their work..and they fixed their work, I'm certain at no charge to you.....Probably should pay the tax authorities....tax evasion is quite a heafty charge!
Reply:Local tax...pay up..
Reply:Ignore every thing. Calls, letters, and threats. Debtors prison no longer exists and you will get a nervous breakdown arguing with a 7 dollar an hour ex-convict, on your phone.
Reply:If you are giving ALL the info, it sounds like H%26amp;R Block is responsible for your situation. Most reputable people will advise you that your accounts are going into collections after they have exausted all attempts to contact you. Keep in mind that people who use collection agencies, actually lose money. They would rather get the money from you. Forget the people you've been dealing with and go to the H%26amp;R Block wed site (just type in H%26amp;R Block on your search engine) and speak to someone there. You should get some help.
dog names
What considerations would need to be taken into account when determining the cost of making a can?
I've thought of - the type of metal used
- transportation, storage, packing costs.
Anything else?
What considerations would need to be taken into account when determining the cost of making a can?
The volume of the can, gage, and the dimensions of the cylinder will determine how much metal needs to be used.
You also need to consider manufacturing costs for the method of opening. If it's like a soda can, you need to die-cut the mouth and rivet an opening tab. Sardine cans need a key and die cutting. Tuna cans are simply stamped together.
Then you need to think about printing. Will you print the metal directly, or wrap a paper label. Printing metal is hard to do and needs a very costly web-fed printing press to overprint the rolled aluminum. Paper labels are cheaper, but there are extra steps such as cutting the paper and gluing it on.
You also might need to address things such as the sterility of materials and pressure testing the contents for air transportation. These items all involve laboratory work with chemists and engineers.
Reply:Is it made from recycled material?
Equipment
Labor
Printing
- transportation, storage, packing costs.
Anything else?
What considerations would need to be taken into account when determining the cost of making a can?
The volume of the can, gage, and the dimensions of the cylinder will determine how much metal needs to be used.
You also need to consider manufacturing costs for the method of opening. If it's like a soda can, you need to die-cut the mouth and rivet an opening tab. Sardine cans need a key and die cutting. Tuna cans are simply stamped together.
Then you need to think about printing. Will you print the metal directly, or wrap a paper label. Printing metal is hard to do and needs a very costly web-fed printing press to overprint the rolled aluminum. Paper labels are cheaper, but there are extra steps such as cutting the paper and gluing it on.
You also might need to address things such as the sterility of materials and pressure testing the contents for air transportation. These items all involve laboratory work with chemists and engineers.
Reply:Is it made from recycled material?
Equipment
Labor
Printing
What are the limitations of a custodial investment account?
I am 17, and I want to open a Custodial Account for stock investment. Can my own bank account be used for this, or does it have to be my parent's bank account , and then when I turn 18 they give me the earnings. How does it all work?
What are the limitations of a custodial investment account?
I believe the law may vary from state to state, but in my state (Illinois,) you can't open a brokerage account until you're 18. You can ask your parents to open a custodial account for you (an UTMA account in most states, an UGMA account if you live in Vermont, or, I think, South Carolina.) The account needs to be titled "Custodian's Name as custodian for Your Name under the (your state) UTMA", though that usually gets abbreviated by the bank or brokerage.
You can buy pretty much anything you want in a custodial account, with a few limitations. You can't borrow in a custodial account, which means you can't trade on margin (borrow money against the value of stock in your account,) or sell short.
There are a couple of things you should be aware of:
1) Custodial accounts are your money -- any earnings are reported under your social security number, and they have to be turned over to you once you reach the age of termination -- but they're completely controlled by the custodian. The bank or brokerage firm would be breaking the rules if they took instructions from you on what to buy or sell -- the custodian has to give those instructions. If you disagree with the custodian's actions, there's nothing you can do unless you want to get a court to remove the custodian.
2) The age of custodial termination varies from state to state -- in most states it's 21. State law may or may not permit the custodian to hand the account over to you before the age of termination (21,) even if you're allowed to open an account at 18.
3) You're 17, so I would guess you're thinking about going to college. If you're planning on applying for financial aid, you should know that a custodial account is considered your assets (not the custodian's assets) on the FAFSA application -- which means it generally counts against your aid more than if those assets were your parents'.
4) If you're thinking of investing for the longer term, and you've had a job this year, you should consider having your parents open a Roth IRA for you. Up to 100% of your earned income (or $4000, whichever is less) can be put in the Roth IRA. There are lots of rules about IRAs, and I would definitely recommend your parents speak to a tax adviser or financial adviser about it, but generally you'll be able to withdraw any contributions you've made without tax or penalty, and withdraw any earnings without tax or penalty if you're using them to pay for college, a first home, or retirement when you're 59 1/2.
Some of the same things I mentioned about custodial accounts apply to Roth IRAs; until you turn 18, the parent has control of the account, and you can't borrow (or, more generally, engage in transactions considered "speculative".) The IRA can be turned over to you when you turn 18.
I know this is all probably too much info. Best of luck!
Reply:A custodial account is one in which the minor (you) is the owner of the money and investments but an adult (parent) signs all of the paperwork and makes all of the decisions. It is typically set up as: PARENT NAME as custodian for YOUR NAME.
You can do all of the research and choose your investments, but the final say has to go through the custodian on the account. Depending on your state, when you reach 18 (or 21 or some other age), the account can then be retitled into your own name.
You should probably set up an UTMA account through an online broker (TD Ameritrade, E*Trade, etc). A parent could be the custodian and sign the documents, but you could log into the account and utilize the research, trade (with your parent), etc.
You can usually call the online broker and they can tell you the requirements for setting up the account.
What are the limitations of a custodial investment account?
I believe the law may vary from state to state, but in my state (Illinois,) you can't open a brokerage account until you're 18. You can ask your parents to open a custodial account for you (an UTMA account in most states, an UGMA account if you live in Vermont, or, I think, South Carolina.) The account needs to be titled "Custodian's Name as custodian for Your Name under the (your state) UTMA", though that usually gets abbreviated by the bank or brokerage.
You can buy pretty much anything you want in a custodial account, with a few limitations. You can't borrow in a custodial account, which means you can't trade on margin (borrow money against the value of stock in your account,) or sell short.
There are a couple of things you should be aware of:
1) Custodial accounts are your money -- any earnings are reported under your social security number, and they have to be turned over to you once you reach the age of termination -- but they're completely controlled by the custodian. The bank or brokerage firm would be breaking the rules if they took instructions from you on what to buy or sell -- the custodian has to give those instructions. If you disagree with the custodian's actions, there's nothing you can do unless you want to get a court to remove the custodian.
2) The age of custodial termination varies from state to state -- in most states it's 21. State law may or may not permit the custodian to hand the account over to you before the age of termination (21,) even if you're allowed to open an account at 18.
3) You're 17, so I would guess you're thinking about going to college. If you're planning on applying for financial aid, you should know that a custodial account is considered your assets (not the custodian's assets) on the FAFSA application -- which means it generally counts against your aid more than if those assets were your parents'.
4) If you're thinking of investing for the longer term, and you've had a job this year, you should consider having your parents open a Roth IRA for you. Up to 100% of your earned income (or $4000, whichever is less) can be put in the Roth IRA. There are lots of rules about IRAs, and I would definitely recommend your parents speak to a tax adviser or financial adviser about it, but generally you'll be able to withdraw any contributions you've made without tax or penalty, and withdraw any earnings without tax or penalty if you're using them to pay for college, a first home, or retirement when you're 59 1/2.
Some of the same things I mentioned about custodial accounts apply to Roth IRAs; until you turn 18, the parent has control of the account, and you can't borrow (or, more generally, engage in transactions considered "speculative".) The IRA can be turned over to you when you turn 18.
I know this is all probably too much info. Best of luck!
Reply:A custodial account is one in which the minor (you) is the owner of the money and investments but an adult (parent) signs all of the paperwork and makes all of the decisions. It is typically set up as: PARENT NAME as custodian for YOUR NAME.
You can do all of the research and choose your investments, but the final say has to go through the custodian on the account. Depending on your state, when you reach 18 (or 21 or some other age), the account can then be retitled into your own name.
You should probably set up an UTMA account through an online broker (TD Ameritrade, E*Trade, etc). A parent could be the custodian and sign the documents, but you could log into the account and utilize the research, trade (with your parent), etc.
You can usually call the online broker and they can tell you the requirements for setting up the account.
How can I wire money from my bank account to another bank?
When I log in it gives me a wire #, and I need to send money to another bank that owns a car I'm buying. Will the other bank have a wire # or do I have to send it to the guy selling the car? The guy is selling it to pay off the loan on his car.
*I'm out of checks and my bank is too far away to get a cashier's check. I can't withdraw money because it only allows $400/day.
How can I wire money from my bank account to another bank?
Call your bank and do a Transfer....
*I'm out of checks and my bank is too far away to get a cashier's check. I can't withdraw money because it only allows $400/day.
How can I wire money from my bank account to another bank?
Call your bank and do a Transfer....
How do I go about opening a bank account?
I've never had enough money before to need a bank account. Now that I earn money, what is the process of banking? Do I open a checking or savings account or both? What bank do you use? suggestions pls?
How do I go about opening a bank account?
Follow the following steps: -
1. Know a Bank which is easily assessible from your house, work place, college etc via a Branch or an ATM.
2. Get yourself photographed, carry two photos to the banks along with a proof of your resident and if a gud sum of money to deposit initially.
3. Ask for the Account opening form at the Bank.
4. Fill the form.
5. ask for the assistence from the Operator or the customer care officer.
5. Get the form checked.
6. If any problem refer point no. 5 again.
7. Get the Account number and collect the cheque book as well.
8. Also fill the ATM / Debit card form to meet your urgent needs for withdrawls.
9. Send a thanks note to me when through.
Reply:go to the bank and talk to the accounts manager, I am sure you will get a better answer than you will get in here
Reply:Also local banks now are on line and this helps being able to track your account. Check out intrest rates that you earn on the account.
You also need to think about places to INVEST your money:
You don't have to do this but please snoop around the web sites and get an idea of how they tick as the worst thing you could do is have your money earning low interest and easy to get ahold of spend it on a toy that will bring short gratification rather then giving it time too grow to its potential for something important like furthering your education etc.
Like e-trade where you could be buying stock once a month into a favorite product that you like.
Also: Treasury bills or Saving bonds but those are low interest places but they prevent sudden urges to raid your account for the latest fashion as they are certificates and usually can't cash them for 6-months or 1-year with out penalties etc...
Another spot could be Kitco.com where you could put your $ into a pool account and buy silver, gold, platnum etc. during the drops and let it ride up and sell out.
My point is there is more then one place (BANKS) to put your money and the younger you learn the quicker you $ can grow as you have TIME on your side. Most those other accounts take less then $50 to start and you would learn a tremendous amount of how the world of $ works. If you lost your money...which would be doubtfull in any one of those at least you would learn how to make it work and your rate of growth could be many times over the 5% at the bank or what ever they pay now.
Good luck.
dog names
How do I go about opening a bank account?
Follow the following steps: -
1. Know a Bank which is easily assessible from your house, work place, college etc via a Branch or an ATM.
2. Get yourself photographed, carry two photos to the banks along with a proof of your resident and if a gud sum of money to deposit initially.
3. Ask for the Account opening form at the Bank.
4. Fill the form.
5. ask for the assistence from the Operator or the customer care officer.
5. Get the form checked.
6. If any problem refer point no. 5 again.
7. Get the Account number and collect the cheque book as well.
8. Also fill the ATM / Debit card form to meet your urgent needs for withdrawls.
9. Send a thanks note to me when through.
Reply:go to the bank and talk to the accounts manager, I am sure you will get a better answer than you will get in here
Reply:Also local banks now are on line and this helps being able to track your account. Check out intrest rates that you earn on the account.
You also need to think about places to INVEST your money:
You don't have to do this but please snoop around the web sites and get an idea of how they tick as the worst thing you could do is have your money earning low interest and easy to get ahold of spend it on a toy that will bring short gratification rather then giving it time too grow to its potential for something important like furthering your education etc.
Like e-trade where you could be buying stock once a month into a favorite product that you like.
Also: Treasury bills or Saving bonds but those are low interest places but they prevent sudden urges to raid your account for the latest fashion as they are certificates and usually can't cash them for 6-months or 1-year with out penalties etc...
Another spot could be Kitco.com where you could put your $ into a pool account and buy silver, gold, platnum etc. during the drops and let it ride up and sell out.
My point is there is more then one place (BANKS) to put your money and the younger you learn the quicker you $ can grow as you have TIME on your side. Most those other accounts take less then $50 to start and you would learn a tremendous amount of how the world of $ works. If you lost your money...which would be doubtfull in any one of those at least you would learn how to make it work and your rate of growth could be many times over the 5% at the bank or what ever they pay now.
Good luck.
dog names
What happens if you daytrade without a margin account and the 25k minimum?
I want to buy and sell a stock the same day. What are the consequences if I only do it once or twice? I only have a cash account and not a margin.
What happens if you daytrade without a margin account and the 25k minimum?
Your brokerage may freeze your account for a period of time or put some kind of restrictions on it. Because by law in USA you are supposed to have at least 25k in your account in order to day-trade legally.
http://www.geocities.com/daytradingtutor...
But this law applies only to trading in the stock market. In currency and futures day-trading you can use as little as a few hundred dollars and a 1:100 margin.
Reply:There's too many variables to quickly answer your question. It is nuts not to have a margin account... if you're trading. The biggest advantage is to be able to ignore settlement issues.
As far as "day trading"................... there is so much to learn on this topic. Of the very few that are profitable at day trading (on a consistant basis)... most take years to learn their skill. You're about to walk into a very complicated and dangerous area. In trading.... nothing is ever as easy as it looks. Technical analysis, Money Management and trader psychology are all important. You cannot make money day trading without a good foundation in each.
Reply:Basically depends on how agressive you want to be, if your going to be aggressive you may make better returns, but you can be wiped out quicker as well.
it depends entirely on your plans expectations and understanding of the market.
What happens if you daytrade without a margin account and the 25k minimum?
Your brokerage may freeze your account for a period of time or put some kind of restrictions on it. Because by law in USA you are supposed to have at least 25k in your account in order to day-trade legally.
http://www.geocities.com/daytradingtutor...
But this law applies only to trading in the stock market. In currency and futures day-trading you can use as little as a few hundred dollars and a 1:100 margin.
Reply:There's too many variables to quickly answer your question. It is nuts not to have a margin account... if you're trading. The biggest advantage is to be able to ignore settlement issues.
As far as "day trading"................... there is so much to learn on this topic. Of the very few that are profitable at day trading (on a consistant basis)... most take years to learn their skill. You're about to walk into a very complicated and dangerous area. In trading.... nothing is ever as easy as it looks. Technical analysis, Money Management and trader psychology are all important. You cannot make money day trading without a good foundation in each.
Reply:Basically depends on how agressive you want to be, if your going to be aggressive you may make better returns, but you can be wiped out quicker as well.
it depends entirely on your plans expectations and understanding of the market.
What account is best to get on paypal? Someone won something from me and she used her credit card?
I guess it was her credit card because now paypal is telling me I need to upgrade to accept this money and they are taking a fee for it.
Ive been selling on ebay for three months and anytime someone else sent me money via paypal, it went right through. I didnt have to upgrade and I got the entire amount.
What does this mean?
What account is best to get on paypal? Someone won something from me and she used her credit card?
Contact ebay I had my identity stolen on Ebay at the end of NOV 2007 it sounds like you may have a problem
Ive been selling on ebay for three months and anytime someone else sent me money via paypal, it went right through. I didnt have to upgrade and I got the entire amount.
What does this mean?
What account is best to get on paypal? Someone won something from me and she used her credit card?
Contact ebay I had my identity stolen on Ebay at the end of NOV 2007 it sounds like you may have a problem
How do you transfer money from one Paypal account to another without paying big fees?
Myself and a friend have been selling items on Ebay for Charity and want to transfer the funds into one Paypal account. When you send money from one account to another what is the best way to send it as goods, service or other.Without resulting in a large amount of the collected funds been lost to Paypal fees.
How do you transfer money from one Paypal account to another without paying big fees?
If the receiving account is setup as a business account, you can't do it. Only personal accounts can receive cash funds without fees. Unfortunately, PayPal forces you to upgrade your account to a business account in order to receive credit card purchases.
Yes, it's a scam. With a business account, you get stuck paying fees even on a cash transaction.
How do you transfer money from one Paypal account to another without paying big fees?
If the receiving account is setup as a business account, you can't do it. Only personal accounts can receive cash funds without fees. Unfortunately, PayPal forces you to upgrade your account to a business account in order to receive credit card purchases.
Yes, it's a scam. With a business account, you get stuck paying fees even on a cash transaction.
What considerations would need to be taken into account when determining the cost of making a can?
I've thought of - the type of metal used
- transportation, storage, packing costs.
Anything else?
What considerations would need to be taken into account when determining the cost of making a can?
The volume of the can, gage, and the dimensions of the cylinder will determine how much metal needs to be used.
You also need to consider manufacturing costs for the method of opening. If it's like a soda can, you need to die-cut the mouth and rivet an opening tab. Sardine cans need a key and die cutting. Tuna cans are simply stamped together.
Then you need to think about printing. Will you print the metal directly, or wrap a paper label. Printing metal is hard to do and needs a very costly web-fed printing press to overprint the rolled aluminum. Paper labels are cheaper, but there are extra steps such as cutting the paper and gluing it on.
You also might need to address things such as the sterility of materials and pressure testing the contents for air transportation. These items all involve laboratory work with chemists and engineers.
Reply:Is it made from recycled material?
Equipment
Labor
Printing
family name
- transportation, storage, packing costs.
Anything else?
What considerations would need to be taken into account when determining the cost of making a can?
The volume of the can, gage, and the dimensions of the cylinder will determine how much metal needs to be used.
You also need to consider manufacturing costs for the method of opening. If it's like a soda can, you need to die-cut the mouth and rivet an opening tab. Sardine cans need a key and die cutting. Tuna cans are simply stamped together.
Then you need to think about printing. Will you print the metal directly, or wrap a paper label. Printing metal is hard to do and needs a very costly web-fed printing press to overprint the rolled aluminum. Paper labels are cheaper, but there are extra steps such as cutting the paper and gluing it on.
You also might need to address things such as the sterility of materials and pressure testing the contents for air transportation. These items all involve laboratory work with chemists and engineers.
Reply:Is it made from recycled material?
Equipment
Labor
Printing
family name
How do you login to a windows xp account without changing the password?
Alright, so my friend has a problem. His mom put a password on his windows xp account. There is no guest account or secondary account. He doesn't have another computer or anything, so he can't download and rip any sort of software from the internet to a CD. Is there a way for him to log in without changing the password?
How do you login to a windows xp account without changing the password?
Yeah... There is a solution. When you just start the computer, keep pressing F8 till you see a screen which shows other booting options. Choose 'Safe Mood'. (Note: do not chose Safe Mood with Networking)
When it reaches the Account Screen (also called Welcome Screen), choose administrator and log in. There, open control panel and open User Accounts. On that guy's account, you can remove the password without entering it. That's how I did it when I was small.
Hope I helped him...
Reply:there is a way for your friend to login without changing the pass but creating another account, and it is by going through Safe Mode..
reboot his machine..
press f8 before the windows boot screen appears..
select the Start Windows in Safe Mode option..
click through several self-explanatory screens until he reach the familiar "Welcome" screen.
find the icon for the admin user..
and then login as the admin..
press yes at the prompt asking if you would like to continue using Safe Mode..
continue on to the user settings control panel...
here he can change any of the other passwords for user on the machine or create another account..
now make any changes he wants..
and finally, you can now reboot the machine normally again..
How do you login to a windows xp account without changing the password?
Yeah... There is a solution. When you just start the computer, keep pressing F8 till you see a screen which shows other booting options. Choose 'Safe Mood'. (Note: do not chose Safe Mood with Networking)
When it reaches the Account Screen (also called Welcome Screen), choose administrator and log in. There, open control panel and open User Accounts. On that guy's account, you can remove the password without entering it. That's how I did it when I was small.
Hope I helped him...
Reply:there is a way for your friend to login without changing the pass but creating another account, and it is by going through Safe Mode..
reboot his machine..
press f8 before the windows boot screen appears..
select the Start Windows in Safe Mode option..
click through several self-explanatory screens until he reach the familiar "Welcome" screen.
find the icon for the admin user..
and then login as the admin..
press yes at the prompt asking if you would like to continue using Safe Mode..
continue on to the user settings control panel...
here he can change any of the other passwords for user on the machine or create another account..
now make any changes he wants..
and finally, you can now reboot the machine normally again..
Can you link an offline account to a new Xbox Live account and keep all of your achievements?
I haven't connected to Live yet but when I do I want to keep all of the achievements I've earned. Is there any way to do this?
Can you link an offline account to a new Xbox Live account and keep all of your achievements?
When you first choose to connect to Xbox Live, you need to do so under your offline account in order to keep the achievements. You can't link the two afterwards.
Reply:Yes. When you sign up, they give you the option to use your existing account.
Have fun sitting through the required 20 minute download of "the new Xbox experience"
Can you link an offline account to a new Xbox Live account and keep all of your achievements?
When you first choose to connect to Xbox Live, you need to do so under your offline account in order to keep the achievements. You can't link the two afterwards.
Reply:Yes. When you sign up, they give you the option to use your existing account.
Have fun sitting through the required 20 minute download of "the new Xbox experience"
How long will it take for my NeoGaf account to be approved?
I know the FAQ for unapproved members says the process may take up to 3 months, but is that a normal amount of time to wait? When should I start to think I'll never be approved?
How long will it take for my NeoGaf account to be approved?
Hello
4 months!
How long will it take for my NeoGaf account to be approved?
Hello
4 months!
How to do a direct deposit into peoples account?
I recently started a new company, and one thing I am trying to figure out is how to do electronic deposits into my customers accounts. Essentially it's like an e-bay store, but I want to avoid the high costs of pay-pal to get the funds back to my customers. Anyone have any ideas?
How to do a direct deposit into peoples account?
In order to direct deposit into anyone account you would need their complete account number including the routing number. If you look at the bottom of your personal check you will see a group of numbers. This tells the processing center the name of the bank, the branch, the person's account numbers, and the check number.
On your deposit slip there are numbers but they are not the same numbers.
The link below will get you more information about direct deposit for your employees, and you could call them and ask about customer.
scientific name
How to do a direct deposit into peoples account?
In order to direct deposit into anyone account you would need their complete account number including the routing number. If you look at the bottom of your personal check you will see a group of numbers. This tells the processing center the name of the bank, the branch, the person's account numbers, and the check number.
On your deposit slip there are numbers but they are not the same numbers.
The link below will get you more information about direct deposit for your employees, and you could call them and ask about customer.
scientific name
How do make some videos on my photobucket account private?
I have a photobucket account and I have my birth videos on there but I would like to share some other videos and pics with family and friend but I want the birth videos to be private. Do anyone have a photobucket account and know how to do this.
How do make some videos on my photobucket account private?
You can only make the whole account private or public, not separate photos/videos.
What you can do is create a second account for all of your private videos/photos and make that account private, while keeping your other one public.
How do make some videos on my photobucket account private?
You can only make the whole account private or public, not separate photos/videos.
What you can do is create a second account for all of your private videos/photos and make that account private, while keeping your other one public.
What date do I have to take into account for proccesing times when filing for permanent residence?
I have already filed and received the receipt for the I-485 and in that receipt there 2 dates: Received date and Notice Date. Which one do I have to take into account to calculate the time frame to get my green card?
What date do I have to take into account for proccesing times when filing for permanent residence?
Receipt Date refers to the date the USCIS received your application while the Notice Date refers to the date the USCIS sent the letter (I-797 Notice of Action) acknowledging that they received your application and it usually indicated in the letter the date application was received.
Example:
Receipt Date: April 26, 2007 (USCIS received the application on this date)
Notice Date: May 3, 2007 (USCIS will send you back a letter or I-797 Notice of Action, acknowledging they received your application and it indicated the date they sent this notice letter.
The receipt date is when the clock starts.
Reply:Received date. The avarage waiting time is 90 days. If you don't get a letter requesting you to come in for an interview you should go to your local office to find out what's the hold up. It's useless to call the toll free number, their system is not updated ,and basicaly they are not allowed to give out any informations about your case anyway.
What date do I have to take into account for proccesing times when filing for permanent residence?
Receipt Date refers to the date the USCIS received your application while the Notice Date refers to the date the USCIS sent the letter (I-797 Notice of Action) acknowledging that they received your application and it usually indicated in the letter the date application was received.
Example:
Receipt Date: April 26, 2007 (USCIS received the application on this date)
Notice Date: May 3, 2007 (USCIS will send you back a letter or I-797 Notice of Action, acknowledging they received your application and it indicated the date they sent this notice letter.
The receipt date is when the clock starts.
Reply:Received date. The avarage waiting time is 90 days. If you don't get a letter requesting you to come in for an interview you should go to your local office to find out what's the hold up. It's useless to call the toll free number, their system is not updated ,and basicaly they are not allowed to give out any informations about your case anyway.
How do I go about making a bank account?
I have never had a bank account and I am probably going to open one tomorrow. I want to be able to withdraw from it and I want to have a debit card. I have about a hundred dollars to deposit. What do I need to create a bank account?
How do I go about making a bank account?
Its easy and the bank wants your money. Just bring your Drivers (or non drivers) id and your social security card. If you dont have the id bring a birth certificate and a proofe of residence, It's easy and if you pick a good bank you'll be glad you did. If you have any trouble opening with a bank try a credit union their a lil more forgiving. Good luck storing your money!
Reply:The ability to find your way to the bank.
How do I go about making a bank account?
Its easy and the bank wants your money. Just bring your Drivers (or non drivers) id and your social security card. If you dont have the id bring a birth certificate and a proofe of residence, It's easy and if you pick a good bank you'll be glad you did. If you have any trouble opening with a bank try a credit union their a lil more forgiving. Good luck storing your money!
Reply:The ability to find your way to the bank.
What do I need to start a checking account at my local Bank of America?
Will I need more than one form of ID?
What do I need to start a checking account at my local Bank of America?
You actually need 2 forms of ID and proof of your mailing address. A drivers license, state ID or passport will work as your primary and a social security card, school ID, work ID, credit or debit card will work as your secondary ID. Anything outside of that, call your local branch to ask about and they can give you more specific answers about alternate secondary IDs if it needs to be researched. If your address on your primary ID matches your current address then you won't need to bring any address verification. If you don't have proof of mailing address because your in school or at a temporary address for another reason, ask the local branch as well because they may not need it. I work right down the road from a major university and we make exceptions on address verification because so many students have a permanent and a temporary address. Hope this helps.
Reply:Just your dr. lic. and a bill showing your address.
If you don't have a bill under your name, your parents bill would work.
naming
What do I need to start a checking account at my local Bank of America?
You actually need 2 forms of ID and proof of your mailing address. A drivers license, state ID or passport will work as your primary and a social security card, school ID, work ID, credit or debit card will work as your secondary ID. Anything outside of that, call your local branch to ask about and they can give you more specific answers about alternate secondary IDs if it needs to be researched. If your address on your primary ID matches your current address then you won't need to bring any address verification. If you don't have proof of mailing address because your in school or at a temporary address for another reason, ask the local branch as well because they may not need it. I work right down the road from a major university and we make exceptions on address verification because so many students have a permanent and a temporary address. Hope this helps.
Reply:Just your dr. lic. and a bill showing your address.
If you don't have a bill under your name, your parents bill would work.
naming
Sunday, May 23, 2010
What are the requirements to open a savings account?
How can i open a savings accoun, what are the requirements i have to meet, and what are the benefits of havign a savings account?
What are the requirements to open a savings account?
If you are under 18, you have to get a parent or guardian to open one for you. Other than that, you have to have a valid I.D. and some money to put in the account (ammount of money differs according to what bank you are placing membership at).
The benifits of a savings account are that you will ahve to put more thought in to withdrawing money than you would if you were just trying to save cash.
Reply:requirement - Social Security number and some money.
Go to a bank to open one up.
Reply:Valid I.D. and a bunch of other shizzle
like s.s.n and your fistborn, the kitchen sink all that jazz..Just take everything to be safe.mmmk
Reply:requirements...money
benefits...you dont have to hold your money so you are less likely to spend it and earn some interest
What are the requirements to open a savings account?
If you are under 18, you have to get a parent or guardian to open one for you. Other than that, you have to have a valid I.D. and some money to put in the account (ammount of money differs according to what bank you are placing membership at).
The benifits of a savings account are that you will ahve to put more thought in to withdrawing money than you would if you were just trying to save cash.
Reply:requirement - Social Security number and some money.
Go to a bank to open one up.
Reply:Valid I.D. and a bunch of other shizzle
like s.s.n and your fistborn, the kitchen sink all that jazz..Just take everything to be safe.mmmk
Reply:requirements...money
benefits...you dont have to hold your money so you are less likely to spend it and earn some interest
What site will let me open an email account from my phone?
I need to open an email account from my cell and not my computer. Everytime I try it only gives me an option to sign in. How do i do it?
What site will let me open an email account from my phone?
None that I know of.
What site will let me open an email account from my phone?
None that I know of.
How do I change other accounts' passwords in Windows Xp from another account?
For example, I have my account in windows, but how do I change another account's password from my account? Thanks.
How do I change other accounts' passwords in Windows Xp from another account?
You can change the password of the another account only , if you have
Adminstrative account .
Steps to change the password
Go the Control panel %26gt; User accounts %26gt; then change or reset the password for any of the user account .
Reply:You can only do this if your own account is a system administrator account. Go to the control panel, select 'user accounts', click on the account you want to change and it's obvious from there.
How do I change other accounts' passwords in Windows Xp from another account?
You can change the password of the another account only , if you have
Adminstrative account .
Steps to change the password
Go the Control panel %26gt; User accounts %26gt; then change or reset the password for any of the user account .
Reply:You can only do this if your own account is a system administrator account. Go to the control panel, select 'user accounts', click on the account you want to change and it's obvious from there.
How do you get a new yahoo messenger account without getting a new email-address?
My sister and I share an email and she already has an account.
I was a separate account with the same email address
how can you do it?
How do you get a new yahoo messenger account without getting a new email-address?
Unless Yahoo! has changed its policy, when signing up for a new account the ID is by default the email address as well, and Yahoo! doesn't offer sub-accounts with email.
name naming
I was a separate account with the same email address
how can you do it?
How do you get a new yahoo messenger account without getting a new email-address?
Unless Yahoo! has changed its policy, when signing up for a new account the ID is by default the email address as well, and Yahoo! doesn't offer sub-accounts with email.
name naming
What exactly is the job description for an account manager?
Hello. I have been working for a Marketing firm for the past six months doing translation work and it appears that they really like the ideas and slogans I have come up with. So much so, that the President has invited me to a business lunch to discuss my becoming an account manager with their firm. Please, what exactly does an account manager do in marketing and what is the salary that they command? Thank you for all your help!
What exactly is the job description for an account manager?
At an outset would like to congratulate for your achievement. It is really a big thing that president has invited you for business lunch. keep it up.
A/C manager is very responsible position where you will be handling a certain set of clients who give repetitive business to your company. The plethora of your activities will revolve around servicing those clients. You need to generate inquiries from them and then provide solutions based on the brief. Well it is very responsible position and you need to work really hard b'coz these are the clients who have already seen the quality deliver-ables from your company so you their is a fixed expectations build with in the business, you need to stand up to their expectations level and then perform.
Well salary will vary but definitely you can ask for 20-25% increment on your current package. you can justify it by saying the same thing which i have mentioned above.
All the best
Reply:Depending on how big the firm you work for is it could also be looking after the key accounts for the company. Accounts is another word for customer.
Reply:Well, you'd be better off asking your boss, but typically an account manager is a business-to-business salesperson. Usually (at least in the mortgage industry) there is no salary, it is 100% commission, perhaps with a small draw.
Good luck!
What exactly is the job description for an account manager?
At an outset would like to congratulate for your achievement. It is really a big thing that president has invited you for business lunch. keep it up.
A/C manager is very responsible position where you will be handling a certain set of clients who give repetitive business to your company. The plethora of your activities will revolve around servicing those clients. You need to generate inquiries from them and then provide solutions based on the brief. Well it is very responsible position and you need to work really hard b'coz these are the clients who have already seen the quality deliver-ables from your company so you their is a fixed expectations build with in the business, you need to stand up to their expectations level and then perform.
Well salary will vary but definitely you can ask for 20-25% increment on your current package. you can justify it by saying the same thing which i have mentioned above.
All the best
Reply:Depending on how big the firm you work for is it could also be looking after the key accounts for the company. Accounts is another word for customer.
Reply:Well, you'd be better off asking your boss, but typically an account manager is a business-to-business salesperson. Usually (at least in the mortgage industry) there is no salary, it is 100% commission, perhaps with a small draw.
Good luck!
How to change the password of a user account having admin power in Windows XP?
I want to change or see the files that are stored by that account.Please help me.I cannot access them through Guest account.
How to change the password of a user account having admin power in Windows XP?
to change de password of de administrator account 1st u hav 2 log in as de administrator...den u can access de files....u cannot access or change de password thro de guest account...hope u r not doin anything illegal...!!!!
Reply:Hi,
As you said you're using a "Guest" account, you can't access the files or documents stored by the "Administrator". A "Guest" account has limited activities. In this case all you can do is nothing or someway know the "Administrator" password to gain full access.
If you find any problem,
Rupam
always_rupam@yahoo.co.in
Reply:If u want to see the files and change them u dont need an admin account, there are many ways of doing so like resetting the password or booting thru another O.S. I ll explain both the ways
First way:
http://home.eunet.no/pnordahl/ntpasswd/c...
download that file andburn it into a cd. then boot thru that a reset the password by following the instructions.
Second way:
Only to view files
Either download knoppix live cd or go for http://www.ubcd4win.com/ and download the live cd builder and make custom windows live cd. Thru that u can boot and then view and edit files without any password recovery process.
If u still have problems just write to me and i think i can solve the problem.
best of Luck
Note: Dont use these tools for illegal use
Reply:Log in to your system as an administrator and go to control panel...then user accounts---%26gt;and select the account for which u want to change the password..u need to give in the old password and then the new password...
done....cheers!!!!!
How to change the password of a user account having admin power in Windows XP?
to change de password of de administrator account 1st u hav 2 log in as de administrator...den u can access de files....u cannot access or change de password thro de guest account...hope u r not doin anything illegal...!!!!
Reply:Hi,
As you said you're using a "Guest" account, you can't access the files or documents stored by the "Administrator". A "Guest" account has limited activities. In this case all you can do is nothing or someway know the "Administrator" password to gain full access.
If you find any problem,
Rupam
always_rupam@yahoo.co.in
Reply:If u want to see the files and change them u dont need an admin account, there are many ways of doing so like resetting the password or booting thru another O.S. I ll explain both the ways
First way:
http://home.eunet.no/pnordahl/ntpasswd/c...
download that file andburn it into a cd. then boot thru that a reset the password by following the instructions.
Second way:
Only to view files
Either download knoppix live cd or go for http://www.ubcd4win.com/ and download the live cd builder and make custom windows live cd. Thru that u can boot and then view and edit files without any password recovery process.
If u still have problems just write to me and i think i can solve the problem.
best of Luck
Note: Dont use these tools for illegal use
Reply:Log in to your system as an administrator and go to control panel...then user accounts---%26gt;and select the account for which u want to change the password..u need to give in the old password and then the new password...
done....cheers!!!!!
How to make computer go straight to user account when turned on?
okay, so at first, we used to have it turned on, and it just went to the account, but now, you have to wait until the welcome screen pops up, and click on the account. in this computer there is only one account without a password.
and no, the 'resume password protect' thing isn't on, so i don't know what the problem is.
How to make computer go straight to user account when turned on?
start-%26gt;run-%26gt;type "control userpasswords2"
uncheck the usernames and when applying give the username and password.
Restart the system. It wont ask. You directly jump to the desktop.
Reply:im acually having this problem to. i have win xp home. and i used to have the xp verson of the way to choose accounts to pick with the nice blue background and icon when i wanted to switch accounts. but after a format long ago. it ask me to log in even when i dont have a password i just press enter without one but in the windows classic kinda way. and i really want it to just go straight to windows when started.
Reply:Go to Start --%26gt; Control Panel --%26gt; User Accounts
click on "Change the way users logon and off..."
then uncheck both checkoxes.
and no, the 'resume password protect' thing isn't on, so i don't know what the problem is.
How to make computer go straight to user account when turned on?
start-%26gt;run-%26gt;type "control userpasswords2"
uncheck the usernames and when applying give the username and password.
Restart the system. It wont ask. You directly jump to the desktop.
Reply:im acually having this problem to. i have win xp home. and i used to have the xp verson of the way to choose accounts to pick with the nice blue background and icon when i wanted to switch accounts. but after a format long ago. it ask me to log in even when i dont have a password i just press enter without one but in the windows classic kinda way. and i really want it to just go straight to windows when started.
Reply:Go to Start --%26gt; Control Panel --%26gt; User Accounts
click on "Change the way users logon and off..."
then uncheck both checkoxes.
What is the minimum to open a savings account in New York City?
Also, what is the minimum to avoid a monthly fee? Information about any branch is greatly appreciated.
What is the minimum to open a savings account in New York City?
Your question already answered itself.
First thing you need to know is that savings accounts don't give you much, by "not much" I mean, less than a percent a year! A CD account will give less than 5%, and those usually need a minimum of $1000.
So, if you're worried you don't have enough to open a savings account, you probably won't get much out of an account anyway!
Secondly, there's definitely no reason to have a savings account if you're going to pay even a penny of a fee. To have such an account is to save your money, not spend it. So anybody who charges you to hold your money is ripping you off.
Therefore, I suggest you simply ask for a FREE CHECKING account, and save up with it. It won't give you anything, but you don't pay anything either. It has the convenience of accessing your money, and you don't have to use it.
AGAIN, do NOT pay anything to open any kind of bank account, unless they pay good (by good I mean at least 10% a year).
naming
What is the minimum to open a savings account in New York City?
Your question already answered itself.
First thing you need to know is that savings accounts don't give you much, by "not much" I mean, less than a percent a year! A CD account will give less than 5%, and those usually need a minimum of $1000.
So, if you're worried you don't have enough to open a savings account, you probably won't get much out of an account anyway!
Secondly, there's definitely no reason to have a savings account if you're going to pay even a penny of a fee. To have such an account is to save your money, not spend it. So anybody who charges you to hold your money is ripping you off.
Therefore, I suggest you simply ask for a FREE CHECKING account, and save up with it. It won't give you anything, but you don't pay anything either. It has the convenience of accessing your money, and you don't have to use it.
AGAIN, do NOT pay anything to open any kind of bank account, unless they pay good (by good I mean at least 10% a year).
naming
How do others put money into my paypal account? I need to describe the details for fundraising?
I have had a paypal account for four years, but have always used it to buy things, not receive money. Do I need to give people an account number of some type?
How do others put money into my paypal account? I need to describe the details for fundraising?
you have to register a business account with paypal.
you will need:
owners name, number, email, address (or corporations)
bank account number and routing number
then you create the buttons for people to pay off your website and paypal deducts a small fee
Reply:i think for ppl to donate to you they just need ur email address
How do others put money into my paypal account? I need to describe the details for fundraising?
you have to register a business account with paypal.
you will need:
owners name, number, email, address (or corporations)
bank account number and routing number
then you create the buttons for people to pay off your website and paypal deducts a small fee
Reply:i think for ppl to donate to you they just need ur email address
What is the best bank for a checking account?
I am looking to open a checking account, but I am not familiar with the process and don't know too much about banks. I do know that certain banks charge you for the littlest things whereas others do not.
What is the best bank for a checking account?
It all depends on what you will use it for. Do you use online banking, a debit card, pay bills through their service, ect? Consider all the things you will want, there's a lot of choices out there. What region do you live in? There are a lot of local banks that are better off right now than the big names (Chase, Bank of America, ect), and often have lower fees because of that.
Reply:banks usually charge more than credit unions. When you open an account you will need a current ID %26amp; social security number, and if the ID is new(less than 60 days) you will also need a recurring bill to verify your address like utility bill, or cell phone bill or auto insurance.
Reply:Citibank.
I have had no problems with them at all. I've had WaMu and Wells Fargo in the past, and they are so petty with their fees.
Reply:Wachovia
What is the best bank for a checking account?
It all depends on what you will use it for. Do you use online banking, a debit card, pay bills through their service, ect? Consider all the things you will want, there's a lot of choices out there. What region do you live in? There are a lot of local banks that are better off right now than the big names (Chase, Bank of America, ect), and often have lower fees because of that.
Reply:banks usually charge more than credit unions. When you open an account you will need a current ID %26amp; social security number, and if the ID is new(less than 60 days) you will also need a recurring bill to verify your address like utility bill, or cell phone bill or auto insurance.
Reply:Citibank.
I have had no problems with them at all. I've had WaMu and Wells Fargo in the past, and they are so petty with their fees.
Reply:Wachovia
How can you deposit money in a Bodog account?
I want to start gambling on Bodog, but it's illegal to deposit money from my credit card into an online gambling account. Any ideas on how to get around this so I can deposit money in Bodog and start gambling?
How can you deposit money in a Bodog account?
Contact Information Email service@bodoglife.com
Main (888) 263-0000
Wagering Choose 1 for Wagering
Customer Service Choose 2 for Customer Service
Local 011 (506) 296-6338
Reply:Most of the americans deposit by epassporte, Im not sure if bogod accepts it, you check it before you fund your epassporte account
How can you deposit money in a Bodog account?
Contact Information Email service@bodoglife.com
Main (888) 263-0000
Wagering Choose 1 for Wagering
Customer Service Choose 2 for Customer Service
Local 011 (506) 296-6338
Reply:Most of the americans deposit by epassporte, Im not sure if bogod accepts it, you check it before you fund your epassporte account
How do you buy items using your Paypal account?
I want to know how to buy items with my Paypal account if it's not verified. My account does not have a credit card, bank, or any other source verified. However, some people have told me that you are able to buy items online without having your Paypal account verified. I need help with this problem. Also, are there any websites that allow you to buy without having your Paypal account verified? THANKS.
How do you buy items using your Paypal account?
it is hard to buy anything without paypal. most people refuse to sell anything to you if it isn't through a secured second site. get a seperate checking account with just a debit card.....no checks and keep the amount you are willing to spend in that account. get it verified and you will be on your way.
Reply:if you want to verify your account it isnt hard you add it to paypal and in 1-2 days paypals puts a small amount of money in you account you then tell them how much they put in it is that easy.
Reply:My Paypal account isnt verified but I buy from Ebay all the time...and sell.
first name
How do you buy items using your Paypal account?
it is hard to buy anything without paypal. most people refuse to sell anything to you if it isn't through a secured second site. get a seperate checking account with just a debit card.....no checks and keep the amount you are willing to spend in that account. get it verified and you will be on your way.
Reply:if you want to verify your account it isnt hard you add it to paypal and in 1-2 days paypals puts a small amount of money in you account you then tell them how much they put in it is that easy.
Reply:My Paypal account isnt verified but I buy from Ebay all the time...and sell.
first name
How do I find my account number for a closed bank account?
I held an account with HSBC about 2 years ago now, but this account was closed. I have no correspondence relating to this account, but do know the branch it was opened at.
I have since changed address.
I went to the branch before and the staff seemed reluctant to give me the account number, eventually saying that they were unable to as they don't hold the records anymore.
However, i remember reading somewhere that they must store information for at least 6 years.
Any help would be much appreciated.
Thanks
How do I find my account number for a closed bank account?
Not sure what kind of software/records they have but I worked at a bank if we put in the customer's name a list would pop up with all their accounts- active and closed.
Go ask them again and if you need to speak with a manager.
I have since changed address.
I went to the branch before and the staff seemed reluctant to give me the account number, eventually saying that they were unable to as they don't hold the records anymore.
However, i remember reading somewhere that they must store information for at least 6 years.
Any help would be much appreciated.
Thanks
How do I find my account number for a closed bank account?
Not sure what kind of software/records they have but I worked at a bank if we put in the customer's name a list would pop up with all their accounts- active and closed.
Go ask them again and if you need to speak with a manager.
How long does it take to establish an account for online billing?
I have a CitiBank credit card that I tried set up online payments for. They said on the phone that it takes like 4 weeks or so before you can use it. Does that sound right? Seems way too slow to me.
How long does it take to establish an account for online billing?
If you are trying to setup automatic payments online or just online payments for your credit card, you are starting at the wrong end. Avoid ever giving anyone permission to take money out of your banks account, especially if the amount is not exactly the same amount on an unchangeable schedule. It is too easy for too much money to be taken from your account and can be way to hard to put a stop to the payments.
If you want to pay your credit card online, talk to your bank about their bill pay program. You should either authorize fixed monthly payments or authorize the amount to send each time you pay. The main concern is that you are telling your bank what they should send and you are not giving anyone else permission to do that.
Most banks that offer online bill pay service, can set it up in a day or two for existing accounts in good standing.
I also recommend not starting online bill pay until you have established effective and inexpensive overdraft protection because not all of your checks will be recorded in your check book anymore (if they ever were).
How long does it take to establish an account for online billing?
If you are trying to setup automatic payments online or just online payments for your credit card, you are starting at the wrong end. Avoid ever giving anyone permission to take money out of your banks account, especially if the amount is not exactly the same amount on an unchangeable schedule. It is too easy for too much money to be taken from your account and can be way to hard to put a stop to the payments.
If you want to pay your credit card online, talk to your bank about their bill pay program. You should either authorize fixed monthly payments or authorize the amount to send each time you pay. The main concern is that you are telling your bank what they should send and you are not giving anyone else permission to do that.
Most banks that offer online bill pay service, can set it up in a day or two for existing accounts in good standing.
I also recommend not starting online bill pay until you have established effective and inexpensive overdraft protection because not all of your checks will be recorded in your check book anymore (if they ever were).
How can I gain access to my yahoo account that my information has been changed on?
My exwife changed something on my yahoo account and when i try to get a new password it locks me out for security reasons. I have written several emails to customer care, and they have a wealth of general knowledge, but cant help me. What do i do?
How can I gain access to my yahoo account that my information has been changed on?
In order to get your account back you need to know all the details you made your account with. (i.e. zip code, secret question/answer, birth date, default e-mail...etc) .
Your ex wife knowing that info could have changed it all, then you out of luck, make a new account.
But....since changing birth date and secret answer is not that easy, hope those are still the original and you can request yahoo to give you new password based on those informations.
To get new password follow directions here: https://edit.yahoo.com/forgot?.src=pg%26amp;.d...
If you are successful in getting a new password...i suggest you immediately request to change the secret question/answer to prevent her getting into your account again.
To change secret question follow directions here: http://help.yahoo.com/l/us/yahoo/mail/or...
Hope I helped.
How can I gain access to my yahoo account that my information has been changed on?
In order to get your account back you need to know all the details you made your account with. (i.e. zip code, secret question/answer, birth date, default e-mail...etc) .
Your ex wife knowing that info could have changed it all, then you out of luck, make a new account.
But....since changing birth date and secret answer is not that easy, hope those are still the original and you can request yahoo to give you new password based on those informations.
To get new password follow directions here: https://edit.yahoo.com/forgot?.src=pg%26amp;.d...
If you are successful in getting a new password...i suggest you immediately request to change the secret question/answer to prevent her getting into your account again.
To change secret question follow directions here: http://help.yahoo.com/l/us/yahoo/mail/or...
Hope I helped.
How can i transfer money into someones bank account the samedayin the UK?
What is the cheapest way to transfer money into someones account the same day?
How can i transfer money into someones bank account the samedayin the UK?
Going to the recipients bank is ok - you don't actually have to go to their branch just as long as it is the same bank - but you will struggle to get it done on the same day if you are not in the uk yourself - a bank wire transfer might be the only answer
Reply:Walk into that persons bank and lodge the money into their account
jewish name
How can i transfer money into someones bank account the samedayin the UK?
Going to the recipients bank is ok - you don't actually have to go to their branch just as long as it is the same bank - but you will struggle to get it done on the same day if you are not in the uk yourself - a bank wire transfer might be the only answer
Reply:Walk into that persons bank and lodge the money into their account
jewish name
How do you compose email with a Verizon account without using reply or forwarding?
I can't find a Compose mail button or something remotely like it. I have had to reply to the person. How do I just compose the mail without all the hoopla.
How do you compose email with a Verizon account without using reply or forwarding?
The second drop down to the left of the screen at the top says "New Message" Hit "GO" to the right of it
How do you compose email with a Verizon account without using reply or forwarding?
The second drop down to the left of the screen at the top says "New Message" Hit "GO" to the right of it
What is the difference between deactivating your Facebook account and just not signing in?
As far as I can tell, deactivating is just the same as signing out normally, as you can just sign back in when you want.
Is the only difference that people can't contact you when your account is deactivated?
What is the difference between deactivating your Facebook account and just not signing in?
Nope, deactivating and just not signing in are completely different.
Deactivating your account removes your profile/info from your friends. You will disappear from your friends' friend lists and no one will be able to access your profile. You can't be searched. Your name will not show up anywhere so no one can click through to your profile. True, you can sign back in, but it requires a special process to "reactivate" your account. After signing in, you will receive an email that contains a link you must click in order to gain access to your account again.
Just not signing in still leaves your profile available for people to see. Your friends can still access it and people can still search for you.
Is the only difference that people can't contact you when your account is deactivated?
What is the difference between deactivating your Facebook account and just not signing in?
Nope, deactivating and just not signing in are completely different.
Deactivating your account removes your profile/info from your friends. You will disappear from your friends' friend lists and no one will be able to access your profile. You can't be searched. Your name will not show up anywhere so no one can click through to your profile. True, you can sign back in, but it requires a special process to "reactivate" your account. After signing in, you will receive an email that contains a link you must click in order to gain access to your account again.
Just not signing in still leaves your profile available for people to see. Your friends can still access it and people can still search for you.
How do you find out what your chequing account # is without using cheques?
I dont have cheques and i really need to know it. Thank-You!
How do you find out what your chequing account # is without using cheques?
you should have gotten starters checks when you opened your checking account, the number will be on there. What did you do with them? I don't know about the policy on losing your number you might have to ask the branch of bank you went to when you opened the checking account and you'll probably have to prove your identity about 10,000 times. Check with your bank.
Reply:go into your institution. Once you identify yourself they will give you all the information you want, including your routing number to make and accept payments directly electronically.
Reply:Phone your bank or go and see them
How do you find out what your chequing account # is without using cheques?
you should have gotten starters checks when you opened your checking account, the number will be on there. What did you do with them? I don't know about the policy on losing your number you might have to ask the branch of bank you went to when you opened the checking account and you'll probably have to prove your identity about 10,000 times. Check with your bank.
Reply:go into your institution. Once you identify yourself they will give you all the information you want, including your routing number to make and accept payments directly electronically.
Reply:Phone your bank or go and see them
How do you withdraw money from a bank account?
Like what do i need to bring?
Does it matter that i've never been to this branch?
How do you withdraw money from a bank account?
First, you need to know your bank account number.
Then you go to the bank and get a withdrawal slip. Fill it out and hand it to the bank teller.
As long as its the same bank, it does not matter if you never been to this branch. For example, lets say you lived in New York City and had a savings account at Bank XYZ. Then you moved to San Diego and XYZ has a branch there too. All XYZ branches has your account information on their central database. So you can access your account at any XYZ branch. You might be able to view your account online too!
Reply:go in the branch and get a cash card for the atm machines
Reply:You should always have an ID. Drivers License being the standard. If you go to "your" bank, it won't matter which branch you walk into. You need to be able to prove your identity, and supply the account number. If you don't have the account number you may need to answer security questions first.
Many banks issue ATM cards in which you have a secret PIN code associated with it. Then you just need to swipe the card and punch in your secret code and you can acess you account. Get one and you will be able to use the ATM machines.
Banks are friendly too. They will tell you if they require more information.
most popular name
Does it matter that i've never been to this branch?
How do you withdraw money from a bank account?
First, you need to know your bank account number.
Then you go to the bank and get a withdrawal slip. Fill it out and hand it to the bank teller.
As long as its the same bank, it does not matter if you never been to this branch. For example, lets say you lived in New York City and had a savings account at Bank XYZ. Then you moved to San Diego and XYZ has a branch there too. All XYZ branches has your account information on their central database. So you can access your account at any XYZ branch. You might be able to view your account online too!
Reply:go in the branch and get a cash card for the atm machines
Reply:You should always have an ID. Drivers License being the standard. If you go to "your" bank, it won't matter which branch you walk into. You need to be able to prove your identity, and supply the account number. If you don't have the account number you may need to answer security questions first.
Many banks issue ATM cards in which you have a secret PIN code associated with it. Then you just need to swipe the card and punch in your secret code and you can acess you account. Get one and you will be able to use the ATM machines.
Banks are friendly too. They will tell you if they require more information.
most popular name
What's the difference between advance and prepaid account?
Give the journal entry?
What's the difference between advance and prepaid account?
You have to be more specific. What was advanced, by whom, and to whom? Who prepaid the account to whom? What type of account? Is it an asset or a liability? There is simply not enough information.
What's the difference between advance and prepaid account?
You have to be more specific. What was advanced, by whom, and to whom? Who prepaid the account to whom? What type of account? Is it an asset or a liability? There is simply not enough information.
What is the difference between current and saving account?
May i know what is the difference between current and saving account?They say that current account is something to do with cheque and saving is using the owners account to pay....but i still dont understand.Can anyone help me?
What is the difference between current and saving account?
A current a/c is what they call a checking a/c in the West. To open a current a/c, you usually need a minimum sum, like $500. You will receive a cheque book from the bank if you open a current a/c so that you can write cheques and make purchases or pay credit cards bills. You must ensure you have enough money in your current a/c before you write a cheque or it'll bounce. You can check the balance in your a/c either online or thru the phone, using the phone banking PIN the bank will give you.
A savings a/c is more for deposits and as its name suggests, it's to help you keep your savings. A savings a/c earns interest, tho' not much. You can't write cheques out of a savings a/c.
For both current and savings a/cs, you can be issued with ATM cards so that you can withdraw money from these a/cs at ATM machines.
Reply:You confused me ! What is a current account? To answer your question. Go to the bank and ask a personal banker
Reply:YOU HAVE A CURRENT ACCOUNT SO YOU CAN WRITE CHEQUES TO PAY BILLS. A SAVINGS ACCOUNT EARNS INTEREST AND YOU CAN WITHDRAW MONEY TO PAY BILLS OR PAY FOR A BANK CHEQUE TO PAY THEM.
Reply:The word current is likely local to you;
it is not a common business or
banking term.
AND few banks have old "savings"
accounts anymore; they have
Certificates of Deposits.
a checking account directs the
bank to pay from an acct to payees of your choosing, money from your account; it is how 90% of the
people in America pay their
monthly bills.
Reply:A current account is an account that businesses will open in order to have very liquid access to the money. It is constantly having money deposited and withdrawn by the owner of the account. Banks are in a custodial role and rarely pay any interest. Banks can't count on the money to be there at any given moment, so banks can't loan out the funds in a current account.
A savings account is less active and usually does have interest paid on it (if only a tiny percent). Banks can count on the balances being somewhat more permanent and can loan out a portion.
The next step up the ladder would be a certificate deposit account which the owner says I will let you count on possessing this money for a guaranteed set time. And for that promise, the bank pays you higher interest because it knows it can loan out the money while you wait for the CD to mature.
Make sense?
Reply:In Singapore, our bank does have that two options
Honestly I dont know what is that for. But for what I know, if you are checking your saving or withdraw money from your saving. Pick 'SAVING'
If you dont know anything about 'CURRENT', dont pick that option unless you fully know what is it. Beside, you dont have a current account, even if you pick that option, it will say you dont have a current account.
For more information, go to the bank website and look under FAQs
What is the difference between current and saving account?
A current a/c is what they call a checking a/c in the West. To open a current a/c, you usually need a minimum sum, like $500. You will receive a cheque book from the bank if you open a current a/c so that you can write cheques and make purchases or pay credit cards bills. You must ensure you have enough money in your current a/c before you write a cheque or it'll bounce. You can check the balance in your a/c either online or thru the phone, using the phone banking PIN the bank will give you.
A savings a/c is more for deposits and as its name suggests, it's to help you keep your savings. A savings a/c earns interest, tho' not much. You can't write cheques out of a savings a/c.
For both current and savings a/cs, you can be issued with ATM cards so that you can withdraw money from these a/cs at ATM machines.
Reply:You confused me ! What is a current account? To answer your question. Go to the bank and ask a personal banker
Reply:YOU HAVE A CURRENT ACCOUNT SO YOU CAN WRITE CHEQUES TO PAY BILLS. A SAVINGS ACCOUNT EARNS INTEREST AND YOU CAN WITHDRAW MONEY TO PAY BILLS OR PAY FOR A BANK CHEQUE TO PAY THEM.
Reply:The word current is likely local to you;
it is not a common business or
banking term.
AND few banks have old "savings"
accounts anymore; they have
Certificates of Deposits.
a checking account directs the
bank to pay from an acct to payees of your choosing, money from your account; it is how 90% of the
people in America pay their
monthly bills.
Reply:A current account is an account that businesses will open in order to have very liquid access to the money. It is constantly having money deposited and withdrawn by the owner of the account. Banks are in a custodial role and rarely pay any interest. Banks can't count on the money to be there at any given moment, so banks can't loan out the funds in a current account.
A savings account is less active and usually does have interest paid on it (if only a tiny percent). Banks can count on the balances being somewhat more permanent and can loan out a portion.
The next step up the ladder would be a certificate deposit account which the owner says I will let you count on possessing this money for a guaranteed set time. And for that promise, the bank pays you higher interest because it knows it can loan out the money while you wait for the CD to mature.
Make sense?
Reply:In Singapore, our bank does have that two options
Honestly I dont know what is that for. But for what I know, if you are checking your saving or withdraw money from your saving. Pick 'SAVING'
If you dont know anything about 'CURRENT', dont pick that option unless you fully know what is it. Beside, you dont have a current account, even if you pick that option, it will say you dont have a current account.
For more information, go to the bank website and look under FAQs
What is the court procedure to recover email account from deceased family member?
My father passed away and I have to wrap up all his businesses dealings, many of which have info in the email account. How do I go about to transfer his account over to me? This is a yahoo.ar account.
What is the court procedure to recover email account from deceased family member?
Courts are probably not going to overrule individual mail providers. Rules are rules.You can try to contact Yahoo!, but for security purposes, you are probably not going to be able to access his account(s) without any of his account information. Maybe try emailing your request with as much information as possible to this address, account-security-help@cc.yahoo-inc.com. They will be able to give you direction. This is a good lesson for everyone, but who would have thunk it. In this hi-tech world, we should be including accounts and passwords in our will or safe deposit box for family members to access upon our demise.
Reply:This is the link to the TOS (terms of service):
http://info.yahoo.com/legal/us/yahoo/uto...
Under #27 it says: No Right of Survivorship and Non-Transferability.
You agree that your Yahoo! account is non-transferable and any rights to your Yahoo! ID or contents within your account terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.
But under #6 member conduct it says this:
You acknowledge, consent and agree that Yahoo! may access, preserve and disclose your account information and Content if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the TOS; (c) respond to claims that any Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property or personal safety of Yahoo!, its users and the public.
Note: I'm not a lawyer, but to me it sounds as if #6 a) could apply in your case since it is a business mail account and may be crucial to wrap up the business. I suggest to talk with a real lawyer about it before taking any further steps. Good luck!
Yahoo contact for business mail account: http://smallbusiness.yahoo.com/contactus...
Reply:Yahoo is very strict about their privacy policies, even in death. The executor of the will, needs to contact Yahoo, but they may not give them access. I do not think the courts can do anything about an E-mail services policies. I am sorry I could not be of more help.
What is the court procedure to recover email account from deceased family member?
Courts are probably not going to overrule individual mail providers. Rules are rules.You can try to contact Yahoo!, but for security purposes, you are probably not going to be able to access his account(s) without any of his account information. Maybe try emailing your request with as much information as possible to this address, account-security-help@cc.yahoo-inc.com. They will be able to give you direction. This is a good lesson for everyone, but who would have thunk it. In this hi-tech world, we should be including accounts and passwords in our will or safe deposit box for family members to access upon our demise.
Reply:This is the link to the TOS (terms of service):
http://info.yahoo.com/legal/us/yahoo/uto...
Under #27 it says: No Right of Survivorship and Non-Transferability.
You agree that your Yahoo! account is non-transferable and any rights to your Yahoo! ID or contents within your account terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.
But under #6 member conduct it says this:
You acknowledge, consent and agree that Yahoo! may access, preserve and disclose your account information and Content if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the TOS; (c) respond to claims that any Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property or personal safety of Yahoo!, its users and the public.
Note: I'm not a lawyer, but to me it sounds as if #6 a) could apply in your case since it is a business mail account and may be crucial to wrap up the business. I suggest to talk with a real lawyer about it before taking any further steps. Good luck!
Yahoo contact for business mail account: http://smallbusiness.yahoo.com/contactus...
Reply:Yahoo is very strict about their privacy policies, even in death. The executor of the will, needs to contact Yahoo, but they may not give them access. I do not think the courts can do anything about an E-mail services policies. I am sorry I could not be of more help.
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