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Saturday, October 24, 2009

Can paypal take funds out of my bank account or card on file?

Someone bought a electronic device from me and paid via paypal,i sent the item via usps and its taking forever to get there.I have since tranferred the funds in my bank account which leaves my paypal account at zero,if the buyer files a complaint will paypal try to take the funds out of my bank account or card on file?
Can paypal take funds out of my bank account or card on file?
They won't try, they will do it unless of course there's no money in the account to be had. Read your user agreement.

If a husband is found liable for copyright infringement, can his wife's wages or bank account be garnished?

This is a civil suit in Florida, the couple resides in Illinois.
If a husband is found liable for copyright infringement, can his wife's wages or bank account be garnished?
No, neither Florida, nor Illinois are community property states.
Reply:yes, but most of the time they just ask you to stop infringing on them, unless he made a lot of money from it.
Reply:If there is no community property, the wife is not liable for the actions of her husband.
Reply:as long as no case can be made against the wife as a co-conspirator, then she is safe.
scientific name

How to check files downloaded with Rapidshare premium account?

Is there any way by which I can check files that have been downloaded with my rapidshare account. Log shows only IP and download size. Any help?
How to check files downloaded with Rapidshare premium account?
did you check the options?? there must be some option to display that.


if you can send the details of your account.. then i may be able to figure that out.

How do I open up a stock market account for my company, where I get my own NYSE symbol.?

Also what can I expect entering the stock market?
How do I open up a stock market account for my company, where I get my own NYSE symbol.?
You can't.





You don't get an account, you get listed. It's a mean of raising funds. You are selling part of your company (thus a share of the profit). Shareholders in turns pay you money to buy that initial share. (Shareholders can then sell to another person, and you will not see that money. Thus, you may list it at $20. Two months later, the stock goes to $200. You get the initial $20.)





You asked what to expect... since now a bunch of people has a claim to your company's profitablity. You now need to tell a bunch of people how your company is doing. (i.e. an entire set of regulations collectively called Sarbane-Oxley will suddenly apply to your company.) You will have a lot more paperwork, and you will need to significantly beef up your account/corporate finance/auditing departments.





Now, I say you can't is that by you asking this question, I assume you don't meet the listing requirement. If you did, you would have accountants who told you the answer... At the very minium, you need to have 3 years of positive earnings to the tune of 10 mil





If you're curious, you can check this out... http://www.nyse.com/regulation/listed/11...
Reply:you will also need an investment bank to help you go public. Report Abuse

Reply:There is no "account". You can use your regular corporate checking account to pay the listing fee.





First, you have to be registered as a public company with the SEC with all the financial disclosures and audited documentation required, before you can even talk to the NYSE. Then you have to show that there is public interest in trading your stock, such as minimum capitalization and number of shares outstanding.
Reply:Your Company has to be a Corp. You have to Issue stock. You will need a handful of Lawyers. So Contact your Law office and get them to start working on it. You will have to have your books in order!


Good luck

How to check files downloaded with Rapidshare premium account?

Is there any way by which I can check files that have been downloaded with my rapidshare account. Log shows only IP and download size. Any help?
How to check files downloaded with Rapidshare premium account?
did you check the options?? there must be some option to display that.


if you can send the details of your account.. then i may be able to figure that out.

Can you have a joint savings or checking account with someone if you are not married to them?

My boyfriend is joing the navy and he and I both agreed that I should be in charge of his money while he is away. Can we open a joint checking or savings account that his checks can be directly deposited into even though we are not married? Does anyone have any other suggestions? Thanks a lot!
Can you have a joint savings or checking account with someone if you are not married to them?
you could have a joint savings account with anyone but to open account you both need to be present to sign signature card and give information.
Reply:Yes you can open a joint checking account without being married. It is important to think through that before you do it. Most banks won't let you change the account later on unless both of you come back in. It also makes you liable for anything he does to overdraw or misuse the account.





Another option you have is to be appointed his power of attorney. Lots of service members appoint someone to act in that role for them while they are overseas. You can talk to a lawyer, or research online how you can do that and if it's a good idea for you. Your bank may also have a sample form you can work from.
Reply:Sure you can do this. I just don't think it is wise to do so until you are married. If anything goes wrong, it is your boyfriend who is going to get screwed, so I guess if he's OK with it then you should do this. I just worry about him.
Reply:Yes you can, just make sure you trust them of course.
Reply:~~Yes, you can open an account with anyone you choose to. Just be aware, anyone on the account has equal access to all the money in the account.~~
Reply:Yes, but I suggest that he doesn't do this. What if you fail the relationship while he is gone? You have the ability to raid all his money too.





Not the smartest test in the love relationship.
Reply:As everyone said yes you can have a joint account. Both of you just need to go in and open it up. However once you are both on the account one person cannot be removed. You must close it and reopen another account.





The only way you can remove a person from an account is if they are deceased. And yes it only requires one of the signers to close the account.
Reply:You can do that. All you have to do is go into the branch and open the account together. You'll both need the required forms and ID and stuff. Just be careful.. sometimes having an account with someone can get messy
Reply:Yes. All you need is both of your names on the account.
Reply:**** yu!!!!!!!!!!
Reply:yes
naming

How to change the password using the limited account?

I have this computer that my parents never go on anymore and so I use the administrator account. One day I decided to change the password. A week later I forgot the password. How do I change it if I can't go on the administrator account??
How to change the password using the limited account?
Go into safe mode and change it from there. You can get into safe mode by pressing f8 (could be different for yours) at the POST (as it starts up). It should tell you towards the bottom what to press.

Is that legal? And if I pay the minus fee, is okay to close my bank account immediately after?

I have a levy on my bank account. I only had 52 dollars in my account, and they (creditor) had 1200+ plus taken out of my account so now I'm 1100+ in the hole with the bank.
Is that legal? And if I pay the minus fee, is okay to close my bank account immediately after?
it's always legal to close your account. if there is a lien or levy on your account, it may be frozen, in which case you can't close it.

Can I deposit someone elses paycheck into my account if its signed?

1. My cousin lives with me so our addresses are the same


2. He is signing the checks.


3. I use Bank of America.


4. I have his consent





Can I deposit his checks into my account?
Can I deposit someone elses paycheck into my account if its signed?
Yes, both of you will need to sign it though, you may want to bring him to the bank with you, sometimes they are funny about it.
Reply:Oh, well the above confirmed it for me, generally a signed check is valid as cash/payment, but at a bank they are more strict about it, if the check is made out to a specific person it must have their signature on it and then you must sign it to put it in your account





Generally their signature shows that they got the check and endorsed it so that it is known that the check wasn't stolen(This was the bit I couldn't remember how to do at first)
Reply:He signs it, you sign below it. He is turning it over to you. Ask the bank if they will have problems with it, or if there's anything they need.





May I suggest he get his own account however?
Reply:no

How can I upload a picture to yahoo account?

I want to upload a picture to see as a profile picturee, how can I do so?
How can I upload a picture to yahoo account?
If you would like to make an avatar or change it click this link.


http://avatars.yahoo.com/





Then to customize how you look, what outfit to wear.and background + more.





1%26gt; Click the “appearance” tab to choose your skin color, face and eyes, and hairstyle. Pick your eye and hair colors by clicking on the colored squares to the right of each image.





2%26gt; Click the "apparel" tab You can try on full outfits or different tops and bottoms. Mix and match.





3%26gt; Click the “extras" tab to try out accessories like sunglasses. sports and hobbies gear such as backpacks, bikes, and snowboards. Adopt a cute pet. Or try different hats.





4%26gt; Click the "Backgrounds" tab if you like the snow, the beach, or a nightclub.





Once you've customized your avatar, don't forget to scroll down to the bottom of the Profile page and press "Preview", and then "OK" in the next screen. And your done.





If you need any help click this link


http://help.yahoo.com/l/us/yahoo/avatars...





TO GET A PHOTO/CUSTOM PICTURE AS YOUR AVATAR.


If you want a photo/custom picture as your avatar you need to make a yahoo 360 account. http://360.yahoo.com/login.html?.done=ht...





The photo needs to be saved on your computer as a jpg file, don't worry about the size to much yahoo will adapt it. Then go to the following 4 steps. below





1%26gt; Go to your 360 page then click "my page” (top of page).





2%26gt; Click "edit personal photo" (on the left above photo window).





3%26gt; Click “browse” choose the photo from your photos click "save", Set as primary and "save".





4%26gt; Go to your “edit my profile” http://answers.yahoo.com/my/my_edit click “use my yahoo 360 picture” scroll down and press "preview", and then "OK" in the next screen.


And your done.





Yahoo engineers are still working on improvements throughout all yahoo sites and some avatars may be slow to show (it could even be a day or so) so try to be patient.


©
name naming

Is it possible to open a joint bank account at ING Direct with someone who lives in a different country?

Thank you
Is it possible to open a joint bank account at ING Direct with someone who lives in a different country?
Don't see why not


as long as they can provide the necessary ID and signatures


to open the account





I live in the UK and have a joint account with my brother


who lives in USA
Reply:Yes, it is possible in India:


Yes. You can hold your Easy Rupee Account jointly with other Non-Resident Indian(s). You can authorise an Indian resident to operate your account, by submitting a mandate letter. You can also register nomination for this account

How do I get rid of a collection account on my credit report?

I just checked out my credit report, and saw a collection account on my credit report.. how do I get rid of it? It was only $80 and the jerk doc sent me only one notice - and it was just a plain notice that i still owed them a little money that the insurance didn't pay. Nothing from a collection agency. All my other accounts are so good, I pay my bills in full and on time every month, have had these credit cards for almost 3 years now.. but this collection thing bought down my score so much! I'm really afraid that this will affect my credit eligibility for things like houses, cars, apartments in the future :( I'm a broke college student and I really don't want to pay $80.00... help.
How do I get rid of a collection account on my credit report?
You need to pay it and it will show a PAID collection on yout bureaus. Theres no way around it. Have you disputed it with the bureau? If they cannot validate it within 30 days they have to remove it per the FCRA. You could try that route.
Reply:You can add mitigating information to your credit report.


See the FTC Web site for details. Your otherwise good credit should matter more. However, I would try to settle with the Doctor.
Reply:Even a little debt is debt, learn from this %26amp; pay the bill before you get any further into this mess. Everything else you say doesn't matter, its just excuses.
Reply:Pay the Dr. bill and ask for a written statement stating that you are free and clear of any debt. Ask the Dr. to send all three reporting agencies notice and you send a certified copy of the letter to all three. Keep the letter in case the debt pops back up.

What is this mysterious deposit in my bank account from the US treasury?

This note identified the deposit: DEPOSIT US TREASURY 310


TYPE: SSA ERP ID: 3101036216 CO: US TREASURY 310





I did not apply for SSI as did previous questioners with similar deposits. What could it be?
What is this mysterious deposit in my bank account from the US treasury?
If the amount of the deposit is $250, it's your stimulus payment that the President gave all SSI, SSA and SS beneficiaries in February, 2009. Enjoy the wealth ???!!!
Reply:that would be your tax refund

How do I calculate estimated tax taking into account the recent tax reduction?

Does the 2009 Form 1040-ES (http://www.irs.gov/pub/irs-pdf/f1040es.p... reflect the changes that were just passed by Congress after Obama become President? If not, how do I correctly calculate the estimated tax that I should pay according to the newly past legislation?
How do I calculate estimated tax taking into account the recent tax reduction?
I always stick with the standard "100% or 110% of LAST year's tax liability rule" and just bank any extra as needed if the projected tax liability appears to be exceeding that amount. If it comes in a little lower, I just roll the excess over to the next year to reduce the minimum required payments next year.





If it looks like income (and therefore the tax liability) is dropping precipitously I cut the quarterly payments as needed to meet the 90% rule for the current year.





Unsigned legislation never enters into the fray.
Reply:TFTP Report Abuse

Reply:The changes haven't even been passed, although they probably will be in the next couple days, and the president will almost surely sign it if and when it's passed. It would take awhile before any calculators would be changed. The 1040ES form doesn't change - you just show on that how much estimated tax you are paying. If it passes though with the $400 cut, you could probably reduce your quarterly payments by $100.
Reply:Don't count your tax reductions until the president signs them into law.
naming

How do you set up a first bank account?

Im 15 years old and looking to set up my first bank account, Any advice on which bank to use and how to go about opening it? Also what is the best deal/sort of bank account to get?
How do you set up a first bank account?
It is easy to open an account, BUT if it is your first take someone with you who knows all the right questions to ask, and if you have anything you don't understand about your account at any time find out to your full satisfaction the reason for it, leaving someone else to look after mine who believed that bank managers were all honest because they appear to be your best friend has cost me thousands, but I found out too late.
Reply:don't know but i am british and live in the uk just take your mom or dad to the bank with some prof
Reply:Take a parent and most banks don't charge fees for underaged accounts. Just walk in to a bank which has convenient locations for you and open an account.

How do I pay cash into my bank account?

I'm in the Royal Bank of Scotland (UK)





I know you used to be able to just go in with the cash and had a 'paying in' book where you just put the amount, signed and gave that with the cash but someone told me you can't use those anymore.
How do I pay cash into my bank account?
Go to the bank and ask a teller. I'm very sure they will be happy to assist you.





**Don't listen to hear say because it could be wrong.**
Reply:If it works the same there, The only thing you have to do is fill out a deposit slip with the amount the wish to deposit; making sure your account number is on the deposit slip and take it to a teller. They will give you a recipt and the money will be immidately available
Reply:you give the teller the $, and she should just give you a receipt
Reply:I do believe that person that told you that was mistaken.You can go into a bank and put money into your account,cash ,money order made out to you or whatever you want to put in there and they will give you a reciept
Reply:Go inside, talk to a real person and tell them you want to make a deposit.





If they tell you no then, withdrawl all your money and get a new bank.

Is there a way to move e-mails from your folders in one account to a new e-mail account?

I have a new e-mail account but I have MANY saved e-mails in many folders with my old e-mail account. I need to know if there is a way to send them all to my new account, save them to my hard drive, or some other way not to lose them when I can no longer access that account. Thanks!
Is there a way to move e-mails from your folders in one account to a new e-mail account?
You will have to forward them one at a time to the new account.

Do I have to set up a buisness account to accept paypal payments?

Cuz im trying to accept a payment for a ps3 and its making me set up this buisness account, is there any other way i can accept this payment without setting up a buisness account?
Do I have to set up a buisness account to accept paypal payments?
Better off doing what PayPal request mate. Will make it so much easier to accept payments in the future.


There are other payment processors, but PayPal is probably the most reliable and well-known.


I know it's a pain first time, but you only have to do it once!


Good luck.
first name

How do you disable your laptop from saving account numbers?

i hate that my laptop saves account numbers when i make online purchases. how do i disable this?
How do you disable your laptop from saving account numbers?
Clear the Cookies and the browsing history ...to clear the history in the browser go to tools then internet options delete browsing history. to clear the cookies go to start then run then type "cookies" and hit enter... then highlight the cookies and delete.... wha la... this should help you with that....

If I start an LLC can child support get ahold of money in the business bank account?

It all depends on how you run the LLC. In theory you are protected. However if you dont run it well... I.E not like a company but just as a way to hide money... if you are the sole member of the LLC then there is also more probability for that to happen.





And lastly.. please dont try to leave your kid without support.. that is not fair.





Blessings!

How can made a new folder in Gmail account?

Can anybody tell me about new folder made in gmail account?
How can made a new folder in Gmail account?
We cant make any folder in gmail insted of folder we have to use Labels which works same as folders.
Reply:Google Mail has not yet introduced creating a new folder in the mail accounts instead they have given an option to label the received mails. Recently, they have introduced another feature of moving the labeled mails in their respective labels..





In short, moving the labeled mails is nothing but moving mails into the folder just like that of yahoo! Mail
Reply:You cannot make folders in gmail, it uses labels, but they work kinda similarly as folders. Check out the article below for a full tutorial on how to use the Gmail label system.
Reply:u cannot create the folder in gmail a/c. instead u can create the labels in gmail a/c.u can find it on left side of a/c
Reply:We cant make any folders in Gmail account, instead you can label the mails

How can I accept payment with a bank account using paypal?

Ok.. I give services online...IT web design etc.. and most of my customers wants to pay through pay pal. how can I use pay pal so people can pay me through there. Do I need an account? what kind of account and can they pay me?
How can I accept payment with a bank account using paypal?
Yes, you'll need an account. Go to Paypal.com and sign up. It's very straightforward and self explainatory.
Reply:quite easy and safe i use it just the same as ebay just go on paypal .com you can register you just pit your personal details in bank account details dont use credit card just visa ect,once you are registed your on your way you can send money to your bank and have money paid in and like i said it is secure


good luck
Reply:Log into paypal.com. You will set up an account and link it to your checking account. You are notified via email when a payment has been received, so you know when to rovide the service. You can either withdraw the funds immediately to your regular account or leave them in the paypal account, which is a money market account and pays fairly well.
jewish name

Is it possible to have a regular bank account in a foreign currency?

i would like to convert some of my savings to foreign currency. is it as simple as getting an overseas account?
Is it possible to have a regular bank account in a foreign currency?
go to your local bank and see if they have something called a financial advisor consultant. or go to the customer service desk and ask your question there. also ask if the IRS needs to know about it -- meaning do you have to report it on your taxes come April 15 in the US and do you have to fill out anything similar in the foreign country.





good luck.
Reply:Why would you do that . You lose on the exchange and on re exchange when you pay USD. This is silly money management
Reply:A large bank, like B of A, can convert your money to any currency, making this unneccessary. Check with your bank.
Reply:Bank usually allows you to open a regular account in USD but with a minimum and it varies from bank to bank. And some may offer account in Pounds and other strong currencies. Check with your local bank and i would say USD is a safe bet.

Who do I communicate with if my hotmail account doesn't work?

For some reason the log in page doesn't even load, I just keep getting an error message on the bottom left of my screen. I've looked around, but it would seem that in order to report an issue one has to log in to their account. Is there an actual help phone number or information site to get a better understanding of what is going on?
Who do I communicate with if my hotmail account doesn't work?
Try This! (Number At The Bottom Of Screen!)

How do i put music on myspace music account?

I have music but it's not in mp3 format it's mpeg 4 that i imported from a cd and transferred to iTunes. Can anyone help? Thanks.
How do i put music on myspace music account?
convert the file on zamzar.com
Reply:put in on google music codes then find the music you like and copy and paste that code into your your profile
Reply:find another one in mp3 format or convert the existing one.
Reply:For free billboards featuring indie artists try





http://www.newmusicbillboard.comFor free billboards featuring indie artists try





http://www.newmusicbillboard.com

How to use an itunes gift card if you already set up a credit card itunes account?

I put my mom's credit card account on my itunes and I purchased some application for about $7.00 just to test if the account is active, But I don't want to use it all the time to purchase stuff from the app store. I want to purchase an itunes gift card but I don't know how to use it on my itunes. Can you help me guys, I would appreciate it. thank you
How to use an itunes gift card if you already set up a credit card itunes account?
On the iTunes store homepage, click redeem in the right-hand column.
most popular name

How long after i register for a paypal account can i start using it?

if i sign up today can i use it right away or does it take a few days to process?
How long after i register for a paypal account can i start using it?
Are you buying or selling? Are you using your credit card to buy or your bank account?
Reply:You can use it in the limited state as soon as you sign up. For extra features, you'll have to verify the account by phone, and/or add a bank account.





Good luck!
Reply:I am still waiting and I even wrote snail mail to their address


over two years,let me know how it goes

Can I set up a separate mailing list and do bulk mailings with my regular yahoo account?

I need to set up a mailing address list of about 400 address and periodically send out a bulk mailing. Can I do that with my yahoo account.
Can I set up a separate mailing list and do bulk mailings with my regular yahoo account?
Yahoo has limits on the number of E-mails one can send in a certain period of time. I suggest you try to find out what they are, so you do not risk your account.

How should this transaction be entered into an account journal-?

Mike signed a contract with a local radio station,to provide guest spots for the next three months.The contract requires Mike to provide a guest DJ for 80 hours per month for a monthly fee of $2,400.Any additional hours beyond 80 will be billed to the radio station at $40 per hour.In accordance with the contract,Mike recieved $4,800 from the station as an advanced payment for the first two months.
How should this transaction be entered into an account journal-?
Cash 4800


unearned revenue 4800

Do you have to have an EA Sports account to play WiFi connection on the Wii?

I want to play and I know that on some EA Sports Games you need an account to play online...Also, is making an account on EA Sports website the same as making an account on the game itself?I want to buy the game but I just have some questions about it before I buy it.
Do you have to have an EA Sports account to play WiFi connection on the Wii?
No, you don't need an account to play the game, the User Data when you play the game is your account! As long as you have an internet connection, your ready to go!
Reply:no u wouldnt just wifi and game


if u mean like a screen and account name then yes like in examplee if u hav medal of honor heroes 2 u go to multiplayer and then it tell s u to make an account and screen name to play every thing of course is free
Reply:nope. every game on the wii that has wi fi is a free connection. u do not have to pay anything, and it creates a different account, not the one that u use online
Reply:nope, all you need is a wi-fi connection and the game.
name latin

Will the bank think I am crazy if I tell them I want a different checking account?

I pay $9 a month fees to a bank where I have computer banking. I keep a balance of about $500 in the bank at any one time. I notice a lot of ads which advertise free checking and banking. Will they laugh at me when I tell them I want a different account which pays me to bank there or has no fees behind it?
Will the bank think I am crazy if I tell them I want a different checking account?
No, they won't think your crazy. Many people don't like paying fees. They might be able to switch the type of account you have without changing your account number.



Reply:first, balance your checkbook so you can see how much money is actually in your account. then go to the bank, ask for a manager, and say that you want an account that does not charge a fee (show him a few printouts ou have about other banks). if he says he cannot do it, immediately withdraw the full balance of your account (according to your now accurate check book, so you do not overdraft). usually asking for a few hundred dollars like that and letting them know that you are closing the account as soon as (list off checks) clear, will typically convince him to keep your business.
Reply:I work at a credit union, and I wouldn't think you are crazy. When a bank charges 9 bucks a month, they are trying to weed out the people who can't keep that minimum balance in it. Find out if they have a free checking account, or go somewhere that is more user friendly. Switching stuff over isn't hard either, sign a few forms, make a few phone calls and you are good to go. Switching will only be as difficult as you make it.
Reply:I open new checking accounts at my current bank almost yearly. They keep making things better, but never automatically switch me to a better account.


The trick is that you have to have 2 checking accounts opened for at least a month. And you need to make sure that you have no automatic withdrawls from your old checking. No direct deposits either.
Reply:If your bank offers a Free account, just ask them to change it to that on the system. Same account #, nothing else changes. Just the stupid fee goes away.


As accounts have been made Free, banks don't change people's accounts that pay a monthly fee. They just let you keep paying.


A large bank took over mine a while back and converted all fee free accounts to theirs. They left all the fee paying ones alone and just grandfathered those in the system, letting them keep paying.



Reply:No, there is no reason not to switch to a free checking account. What is crazy is paying a bank to hold your money, while they use it to make investments and earn interest on it.
Reply:Not at all, if you are leaving then they will probably be more mad then laughing.
Reply:Go in and ask if they offer any no fee checking accounts.

Where and how can I cash a tax refund if I do not have a bank account, I live in Edgerton Wisconsin?

My bank will not cash my check because I have an overdraft that is overdue. I need to get this check cashed so I can pay up my bills.
Where and how can I cash a tax refund if I do not have a bank account, I live in Edgerton Wisconsin?
There places in and around Edgerton.


Piggly Wiggly on Main Street will probably cash your check.


http://local.yahoo.com/details;_ylt=Aj8w...





Here's some other places:


http://local.yahoo.com/results?fr=dd-loc...





But you might have to go to Janesville.





The Stoughton Walmart probably would cash your check


http://local.yahoo.com/details;_ylt=AsSN...


Call them first, they are only open until 7pm on weekdays, and close early on weekends





Milton's Mobile Travel Center provides payroll check cashing:


http://local.yahoo.com/details;_ylt=AuQC...
Reply:I can't believe that the bank would not take a government check (which is fully guaranteed) and cash it for you----even if you have an overdraft amount that you need to pay, can't they just deduct that amount from your check and give you the rest? They should not hold any amount left over since it is a federal check and it's not going to bounce! You need to pay the bank anyway, so that would be the way to go.





Other than that, there are check cashing places all over the place but you will have to pay a good size fee just to cash it. Another thought is if you have a family member that you could sign the check over to and they could put it in their account and then just give you the funds. Before my daughter had a bank account, she would do that with her payroll checks and I would deposit them into my account, and then I would just give her the cash. Just a thought!
Reply:Many Walmart's will cash tax checks up to $2000.00 or you could try a check cashing store. They will charge you a service charge but I am not sure how much.
Reply:if you don't pay up your overdraft the bank will turn you in to the DA for writing bad checks. Just pay it up first.





Stoughton girl
girl name

Can I add my bank account to Paypal if the Paypal account is in a friends name?

Hello





My friend has set up a PayPal account and wants to deposit funds into my bank account. So could he add my bank account to his Paypal account? Obviously the 2 will be in different names.





Thanks
Can I add my bank account to Paypal if the Paypal account is in a friends name?
If you allow him to add your bank account to his Pay-Pal account, you have granted him FULL access to your bank account. I don't care if that is allowed, I STRONGLY advise against it. You can't allow deposits without allowing withdraws. Get your own Pay-Pal account and have him pay your account from his. That way you still have control of your account.
Reply:It's possible but not recommened because he/she could wipe out your bank account. Just have him/her send money to you (he will need to have your e-mail address). Then you can open an account and deposit it to your bank account yourself.
Reply:http://paidpal.blogdrive.com/


Read and see if you'd want to continue using PayPal!

How do i get my parents widows XP account password?

I cant change the password or modify the account because they will find out. Every now and than they log on and i have a chance to be on the computer bu i want to find out the password so i can get on later. what kind of keylogger should i use? maybe some other sneaky way to find out?
How do i get my parents widows XP account password?
theres no technological way to do it...


here are some cheeky ones... dunt knw if it will work bt u kn always try:)


1) set up a camera/video camera near the key board in a place wer ur parents knt see them... then look at the tape and find out the pass...


2)ask them,.,, beg them... cry if u want lol
Reply:When the computer is starting up press F8, then a menu will come up, start the computer in safe mode. Restart the pc, then there will beant hoereaccountnt named something (i forget what) go into that account and that is the master account, you can only delete or change your parents password, so if you delete it, and they go to it the next day and there is no password, and they ask you, just say "computer glitch" orsomethingg that would make it sound like the pc's fault.
Reply:Their your parents... they have reason to lock it... But... if you must...





There's a program called Ophcrack. It works even if you aren't logged in. But it would be easier if you were logged in to search for the password. Virus protectors will detect it as a virus... so use at your risk. But I used this on my XP computer and it did find my password...





Again... use at your own risk..





also... it takes a LONG LONG LONG LONG time to download the program and required stuff... so have fun.





(and way to kill any trust your parents have for you... BAD BAD KID)
Reply:No....just ask them. Don't try to be sneaky with keyloggers and crap like that.





Free computer help, XP tips, tech news, free software, store with cheap prices, sign up on the free forums for help! http://www.techslip.net
Reply:during bootup press F8


Then choose safe mode


Now logon as admin


and now you can change account information such as delete passwords
Reply:Don't. That's totally disrespectful. If they want you to know their password, they'll give it to you.
Reply:don't use a keylogger, that would risk your family's security. just ask for it.
Reply:Have to ask your parents.
Reply:So you WANT your parents to have no respect for you and not trust you?
Reply:Ask them. If they want you to have it, they will tell you.
Reply:ask for it.

How do I get my old Internet Service Provider to stop taking money from my bank account?

I'm not sure whether to put this question in 'Legal' or 'Internet' but my old ISP keeps taking money from my account even though I don't use them any more. My bank won't cancel the payments and I've given trying to cancel over the phone. So in effect, I'm paying for two ISPs but only using one of them. It's a case of knowing what my rights are, I think, and knowing what to say over the phone etc. Can anyone help please?
How do I get my old Internet Service Provider to stop taking money from my bank account?
First of all, keep very tight and accurate records of the calls you make. Who you talk to, what they say, what you say, times, dates, etc... Then keep calling the ISP and ask to speak to supervisors or tell them the situation and that you canceled long ago etc... Get a confirmation number for the cancellation or ask for some proof that you've actually canceled your account.





Be friendly at first, but if they don't help you (your ISP) tell them you'll be contacting the Better Business Bureau and the police shortly after that. If you still can't get anything done, do just that. The BBB can help you find the next course of action which may be contacting an attorney by that time.





One other thing you could try is closing your bank account, but to me this is letting them win and is too much of an inconvenience. Oh, and who's your ISP so we can all stay away from them?





If you can record your conversations with them, that would also help to document things. If you record them saying you're canceled that's true power on your side. You can also document the story and record the calls and post all that to a web site. Pass that along to people and it'll spread like wildfire and bad PR can get companies to do the right thing.





Check out the phone call this guy had with AOL.


http://zerologik.com/2006/06/cancelling_...


He ended up on the Today show to talk about it and AOL got in deep trouble.
Reply:Dear Sir,


You are the Owner of your Account So that You can Dispute the Amount and That is


Abuse which is taken Regularly If you want to know more http://google.coorgforce.com can help you about more details.


With thanks,





Zenith Joshi Report Abuse

Reply:Sounds like your bank is well out of order,it's your account and your money,don't understand them. Try with bank again and ask to speak to a manager, if no joy there then go to the banks ombudsman.Put everything in writing too
Reply:If your bank won't help you you need a new bank period.
Reply:First take enough money out of your account then say you have lost your card then say to make sure close my account and open a new one ,you will then have new card(s),new account isp cannot get any money because your old account is closed,it is a bit of a problem but this way works,
Reply:talk to your bank and tell them to stop payemnts to your old ISP and also call your old ISP and ask them a refund of those payments .


they have to refund you.


good luck
Reply:This is silly, of course the bank will stop the payments.. go in and speak to someone in person.. it's your money and you have the right to pay or not pay who ever you like..





If they say they can't (which they wont) change your bank
Reply:Call them and ask tell them that you want to discontinue their service and to please stop withdrawing the money from your account
Reply:Call your old ISP and tell them once again, you no longer want their services. Also, send them a certified letter. Take a copy of this letter to your bank, ask to talk to someone other than a teller. Advise them that you have been loosing money and are closing the loose ends.





If the bank sees fit to pay this ISP again from your account, an attorney will be in contact with the bank.
Reply:Your bank should cancel the payments. If they won't, set up internet banking and cancel them yourself. But the bank should cancel them, try speaking to them again.
Reply:If its a Direct Debit not a standing order then your bank is wrong and so is your old ISP.


Go to Trading Standards and tell them. Take all the paperwork.


If its a direct debit your bank have to refund you the money so get the cancellation notice to them in writing first thing Monday morning!
Reply:I agree to change banks. This problem is becoming increasingly frequent in this world of using charge cards instead of real money.
Reply:Your bank has to cancel any payment you tell them too....what on earth are you on about.
Reply:If you go to your bank in person they HAVE to take your instructions to cancel any d/d or s/o...its the LAW!





Threaten them with the banking ombudsmen if they get funny!





AND...if you can prove that you have requested this from the bank before, they HAVE to repay you the money that has been taken.

How long does it take for the IRS to deposit my tax refund into my checking account once they acknowledge it?

8-15 days, depending on when in the week you file. If it's accepted by Thursday at 11 am EST, then the refund is deposited on Friday of the following week.
How long does it take for the IRS to deposit my tax refund into my checking account once they acknowledge it?
weeks to months





it depends on what their computer programs think of your return and their ability to match your information to the W-2 and 1099s there are receiving from employers and other payers.
Reply:It depends on the person who checks your forms.


A great worker who his proud of his/her job may finish it in one or two days and even send out the


refund check immediately.





A lazy, bored worker may take longer to check your forms and let them sit on the desk a few days, before initiating the check refund procedure.





Either way, you can expect it to take 4 to 6 weeks.





There are many lazy, bored, and incompetent people working for the U.S. government.





Just go to the Department of Motor Vehicles and watch the State workers (hard at work-hardly working). You will understand.
name common

How do i get around a secret question to have my password reset for my email account?

I have had this account for 5 years, i changed the password a couple of weeks ago and forgot to write it down, i can access messenger because of the way i have my preferences set, but not my email. Yahoo says without answering my "secret" question, they can't reset the password. I can't remember the answer i gave waaaaaaay back when. Is there anyway to access my password, or reset it without of this red tape?
How do i get around a secret question to have my password reset for my email account?
visit the following link:


https://edit.yahoo.com/config/eval_forgo...





give the following information:





-Your Birthday


-Your ZIP


-Your Country or Territory


-Enter the letters from the Security Image


----------------------------


now click option 1- forgot password%26gt;%26gt;%26gt;enter your ID%26gt;%26gt;%26gt;click get NEW password


======


all the best


-Jake
Reply:click here:


https://edit.yahoo.com/config/eval_forgo...


supply some basic verification information,


such as ur birthday %26amp; the ZIP or postal code





without the correct verification information,


u will not be able to obtain a new password.


goodluck ^_^

What would happen if you can't pay back an online loan directed to your checking account?

I Took Out An Online Loan for $500.00 and i lost my job and there's is now way i'm going to be able to come up with over $600.00 by the middle of feburary what can happen to me if i closed my checking account and didn't pay on it?
What would happen if you can't pay back an online loan directed to your checking account?
It all depends on where you got the loan from where did you get it from
Reply:They will sue you.

Can i request scotiabank to change different bank account number?

can i request my scotiabank to change my bank account number? is free to change?





paypal wont let me use my bank account again because i closed my paypal account once, i need to FAX (no email) my bank statement and id to them blah blah wait weeks to get verify.
Can i request scotiabank to change different bank account number?
You should ask them. It will probably involve closing one account and setting up another. some paperwork, transfer of funds, waiting for outstanding checks to clear, etc. But if its important they can do it.





I think that they would feel better about this change if it were because of some identity theft concern, rather than your mistake in closing a Paypal account.

How do I transfer Hotmail contacts to another account?

like i have windows messenger, i want to move my old contacts from old to the new 1. how?
How do I transfer Hotmail contacts to another account?
Goto the MSN Main Page %26gt; Contacts %26gt; Save Instant Messaging Contacts.





Save it to a place where you'll remember it.





On your new account goto the Main Page again %26gt; Contacts %26gt; Import Instant Messaging Contacts





Choose the place where you saved it.





:)
Reply:In the messenger window (old account),click the menu button on the far right of the toolbar, go to contacts, save contacts, and save them to a file you'll be able to find, like on your desktop. Open the new account, click on menu, go to contacts, import im contacts, and select the file you saved to your desktop. That should import your contacts from your old account to your new account
fantasy name

How do I use a WoW Authentication Key from a Battlechest to add time to my account?

I bought a World of Warcraft Battlechest to get Burning Crusade and add 30 days to my account. I entered the Burning Crusade code without any problems, but I can't find the place to enter the XXXXXX-XXXX-XXXXXX-XXXX-XXXXXX code. It has a place for a Game Card, but not the code on the Game DVD-ROM. HELP!
How do I use a WoW Authentication Key from a Battlechest to add time to my account?
The free 30 days only works for the first time you get an account - it doesn't work if you already have one.

Can you add someone on to your bank account for them to deposit their checks into?

I think he was put on check systems about 6 years ago, and I heard it remains on your record for 7. Will they check into this before adding him on to the account?
Can you add someone on to your bank account for them to deposit their checks into?
If you are just wanting this person to run deposits to the bank for you, you do not need to add him to your account. Banks will accept deposits from anyone. Just make sure you have the deposit slip filled out beforehand, and endorse the back of the check with and write "For Deposit Only" underneath your signature.





Also, if he does have a Chex Systems alert, have him call Chex Systems and clear up the issue with them. It is true that those alerts are reported for 7 years.
Reply:You don't need to add them. Most banks, will allow a person to deposit money in another person's account, with a deposit slip (with account info) and a check, and have them add "deposit only" that way you don't have someone else on your account.
Reply:Generally it is permitted depending on the "relationship". In such an account, as both of you share the responsibilities, (and agree) there might not be a problem.


Joint account is an answer to lots of problems.
Reply:I would not do that, have the person get their own account.





If his/her check has a problem you will suffer the consequences





if he/she deposit a fraudulent check you will suffer the consequences.





There is just not a good reason for someone to ask someone else to do that for them.





friends and money do not mix well
Reply:A ChexSystem record only remains for 5 years(it is not the same as a regular credit report listing). So if it was 6 years he should no longer be listed.





Now, before you add someone to your account you have to understand that you will be equally responsible. So if they overdraft the account and you don't pay it back then it will go on both of your records. If he bounces checks, you are both responsible. If he decides to wipe out your account the bank will do nothing because he was authorized.





I would suggest you let him try and get his own first of all. Until you are sure he can handle his money this is probably the safest plan.
Reply:YOU DON'T HAVE TO ADD THEM IN ORDER FOR THEM TO DEPOSIT IT, JUST HAVE THE PERSON SIGN THE CHECK AND WHO EVER HAS THE BANK ACCOUNT (they have to sign the check too) with both signatures, deposit the check and your all SET!!!

How do I upload videos onto my youtube account?

I know how to upload movies that I make but some people have like music videos and clips from cartoons. I just want to know how to gets those types of clips.
How do I upload videos onto my youtube account?
well where it says my account click on that, after that some where in blue and underlined it'll say upload a video ... good luck and i hope your load is SUCCESSFUL... xxxxxxx
Reply:Those clips are generally ripped from dvds or downloaded from torrents.





For the most part YouTube no longer allows videos of more than 10 minutes no matter what kind of account you have, used to certain types of accounts could put up longer videos, but no more. However those videos have not been removed, so most of the longer videos were put up when they were still allowed.
Reply:you have to login or register an account on youtube then click on my account then under the videos category click on "upload new video" button. the video has to be saved onto your computer to be able to upload it

Wednesday, October 21, 2009

What is the purpose of an LLC when everyone wants personal guarantee before setting up an account?

I'm opening a small business and was directed to file as an LLC so as to protect my personal assets. But everyone that I would like to setup an account with wants a personal guarantee whether I鈥檝e been in business 1 or 10 years. What good does the LLC serve under those conditions? I understand about the lawsuit protection aspect, but where's the personal asset protection?
What is the purpose of an LLC when everyone wants personal guarantee before setting up an account?
It will offer you some protection from client lawsuits. Further, it is typical to have to personally guarantee obligations for a start up. Once you have an established history as a viable entity, you will be able to cease personally guaranteeing obligations and then your LLC will offer protection from creditors as well.
dog names

Can I send money without verifying my paypal account?

I just want to send like 3 bucks and it says I need to verify with a bank account. Is there a way I can just skip it?
Can I send money without verifying my paypal account?
Yes, you can send without verifying. The verification is primarily for traders.

What to do if someone has opened another account in your name?

im sure someone high jacked my name with a new account and is trying to make out im into drugs sex etc etc. Its not right. There r some f*cked up people in this world.





They didnt agree with my opinion but everyone is entitled to an opinion without being harassed.





aaaaahhhhhh



What to do if someone has opened another account in your name?
I would send a letter to the staff (y_answrs_team@yahoo.com) to tell them that you have been cloned.





Cloning is a violation category and can result in the person being at least suspended and potentially deleted
Reply:Report the account, it will be suspended while it is checked out.
Reply:I have seen a few Lilly on here over the last few months , its best to either change your name or add something to it .
Reply:I think that you should tell them that you dont and tell them to **** off lol
Reply:Change your name !!





Or report it to Yahoo.

How to make a adim account from a power user account?

hello i have a little problem were my account is a power user and not a admin it was previously a admin but i stupidly made it a power user, and now i cant install 90% percent of things i download it is really frustrating especially when i need 2 play some of my games :'(, i have windows vista and there is no other account active on the computer. so can someone plz tell me how to make a admin account :D, would be highly appreciated.





thanks!
How to make a adim account from a power user account?
To activate the Windows Vista Administrator account, you will have to follow this closely. I have learned much and will be able to help. If you need to you may email me.





Log on to Vista, (if not already), and click the start button. In the search box, type CMD. You will see the link to Command Prompt (cmd.exe). Right click on the link and click "Run as Administrator." If it requires a password, then enter the password. If you do not remember the password, then this process may not continue.





Next, type the following at the User command line: Net user administrator /active:yes





If typed correctly, you will see a message declaring "command completed successfully" or similar saying.





Finally, go to the start button and click it. In the search box, type User. Click user accounts that pops up. If you have to, or do not see all the accounts on the screen but your own, click "Manage another account." You should now see your account, and also an account titled "Administrator." Click the icon next to Administrator. Click the link "Change the Password" or similar Add password link. Add a password to the administrator account and you are done. Now when you need to install software, you can log on to the Administrator Account.

How can I delete my old yahoo mail account?

I no longer use my old account and I would like to get rid of it.
How can I delete my old yahoo mail account?
If u want to give up yahoo


u need to delete entire account





visit Account Deletion page.


https://edit.yahoo.com/config/delete_use...


u will be asked to sign in to or verify ur


password for the account u wish to delete.





after the deletion process is initiated,


ur account can never be recovered.


goodluck ^_^
Reply:when you delete your mail you are deleting your entire account as well


read this carefully and if you still want to delete it you can find the 'account deletion' link


http://help.yahoo.com/l/us/yahoo/mail/or...
dog names

How do you add music to your myspace account?

I tried rthe music tab. I even tried to add play list, but I may have been doing it wrong. Step by step instructions please! ;)
How do you add music to your myspace account?
adding music to your myspace is really simple really.


Go to the music page type in the artist you want, then when you go to their page click the add button next to the song you want.


right now myspace has changed their music by adding a playlist that just means you can add more then one song.


Good Luck.


Hope I answered you question.

What type of option approval is needed to buy and sell puts/calls in your trading account?

To buy a call option for .95 today, and sell it a week later. Or if you want to keep the option cause it`s ( in the money ) and purchase the stock?
What type of option approval is needed to buy and sell puts/calls in your trading account?
If your broker allows you trade options, he will provide you with Option Risk Disclosure which must be signed. As options are complicated instruments, your broker may provide you with questionnaire detailing your market knowledge and experience.





The latter is not exactly official requirement for options trading, but it comes from "Know your client" rule, under which your broker should not give an advise to invest in options to clients not having sufficient market knowledge (for their own good).





There are brokers specialized in options like: Thinkorswim, OptionExpress etc. If you want to trade options their services might be beneficial for you, as they provide large variety of trading tools.
Reply:if you have to ask this question , get out of the futures market, ...you are in , over your head

My tax rebate should have posted to my account on May 9th. I know I'm eligible; what should I do?

I know I've got the direct deposit set up. I successfully received my refund this way. I only have one direct deposit, not split accounts. Every one I know has received their payment, but I have not. I didn't receive the second letter either.
My tax rebate should have posted to my account on May 9th. I know I'm eligible; what should I do?
if you had fees deducted from refund you'll receive a check instead,check your bank statement and if it does not say your refund came from the u.s. treasury you can expect a check.
Reply:A lot of people have thought they were getting direct deposit but for whatever reason aren't, so are assuming they'll get it earlier than they really are. For example, if you had a tax prep place do your return and had your fees taken out of your refund, you aren鈥檛 eligible for direct deposit.





Check your bank statement from when the original refund came - if it says "US Treasury" you should be OK for direct deposit as long as that account is still open, and you didn鈥檛 split your refund into multiple accounts. Otherwise, you鈥檒l get a paper check
Reply:I'm in the same situation as you, was to receive rebate on May 9th. Called up, found out that if you had tax preparation fees taken out of your refund check, if you filed your taxes on-line using software (Turbo tax, HR Block) you will not get the rebate via direct deposit. You will receive it via paper check, and that follows the second schedule on the Irs web site.
Reply:I am in the same boat, my last SSN is 19. I actually just got off the phone with the IRS. They are saying that b/c I had my tax guy take his fee from my tax refund, that it caused me to have a split account. Visit www.irs.gov, and it has a section for FAQ, its very helpful. If not, call 800-829-0582. Its too a live rep, and they can tell you exactly whats going on with your situation.





Good Luck,





Frugal Mom 81
Reply:Yeah, I did my taxes with taxact.com and had my fees taken out of my direct deposit. I was supposed to get mine direct deposited in my account on the 3rd, but then it didn't! I was super pissed, then I found out that I had to wait for the paper check.





I just got my check on Monday. You'll probably get yours mailed to you.
Reply:Just wait. In the meantime verify your eligibility with the rebate calculator tool that IRS provides.

How do I discontinue/delete my Disney online account?

I registered on the Disney website but I have no idea how to quit the whole thing. Please help!!!
How do I discontinue/delete my Disney online account?
contact Disney support team
family name

When a paycheck is directly deposited into my account, can i immediatley withdraw the whole check?

when a paycheck is directly deposited into my account, can i immediatley withdraw the whole check? or do i have to wait for it to clear?
When a paycheck is directly deposited into my account, can i immediatley withdraw the whole check?
You should be able to withdraw the whole amount...unless your company is bouncing checks...then boo...
Reply:You have to wait for it to clear. Unless of course you already have funds in the bank ( Enough to cover the check )
Reply:That's up to your bank. Check with them.
Reply:sure it clear

How do I discontinue/delete my Disney online account?

I registered on the Disney website but I have no idea how to quit the whole thing. Please help!!!
How do I discontinue/delete my Disney online account?
contact Disney support team

When a paycheck is directly deposited into my account, can i immediatley withdraw the whole check?

when a paycheck is directly deposited into my account, can i immediatley withdraw the whole check? or do i have to wait for it to clear?
When a paycheck is directly deposited into my account, can i immediatley withdraw the whole check?
You should be able to withdraw the whole amount...unless your company is bouncing checks...then boo...
Reply:You have to wait for it to clear. Unless of course you already have funds in the bank ( Enough to cover the check )
Reply:That's up to your bank. Check with them.
Reply:sure it clear

How do i look for my reliant energy account?

I'm trying to look at my bill and pick a plan for my account.
How do i look for my reliant energy account?
listen, there is another kind of CHEAP energy you can connect to it from climatecrisis.net, It is CHEAP and easy
scientific name

What happens if 2 users share a steam account?

I just wanted to know, do they ban that account?
What happens if 2 users share a steam account?
nope.
Reply:whos account did you steal?

How can i access my xbox live gold account from my friends 360 without a memory card, if so how?

I went to retrieve xbox live account but it said that i could do it but it would delete all of my saves and stuff from my 360. Is there a easy way to do this, thanks.
How can i access my xbox live gold account from my friends 360 without a memory card, if so how?
only way u can do it is by using the memory card,


this is what xbox.com said about recovering gamertag to someone else's console.


Important:





"We do not recommend that you recover your gamertag to a friend's console as a convenience when roaming鈥攜ou could lose your saved games. Instead, use an Xbox 360 Memory Unit to take your profile with you when you play on someone else's system."
Reply:Try recovering your gamertag from xbox live. You can do that from xbox dashboard. It might work

How do I switch from one e-mail account to the other one?

How do I switch from one of my email accounts to the other one and them back again?
How do I switch from one e-mail account to the other one?
If your accounts are with the same mail service, you must sign out completely before you sign in again the with the other accounts information. Hope this has helped

How do people who believe evolution is fact account for living beings evolving "up"?

There are no gene mutations that we are currently aware of that cause organisms (or their parts) to transform into more complex organisms.... Every genetic change we know of does NOT "add to". With this in mind, how can evolution be possible?
How do people who believe evolution is fact account for living beings evolving "up"?
"There are no gene mutations that we are currently aware of that cause organisms (or their parts) to transform into more complex organisms."





This statement reveals that you don't understand the process of evolution. Individual organisms (and their parts) do not evolve; rather populations of organisms that are reproductively isolated from similar populations evolve as they accumulate different genetic changes. Your contention that genetic change does not add to a gene pool is simply not correct. We have many documented examples of genetic mutation becoming fixed within populations and they certainly do lead to evolutionary change.





This fallacy is known as a straw man argument. You state something that isn't true, and then use this untruth to "prove" something else can't be true.


http://en.wikipedia.org/wiki/Straw_man





You set this argument up when you say "With this in mind, how can evolution be possible?" The answer is it probably can't, but because your premise is flawed, all conclusions drawn from the premise are also flawed. Thus, you are either being lied to by someone else, or you're just plain lying all on your own. In either case, you're passing on a lie which is easily refuted by scientific studies and you're painting yourself as either a dupe or a liar. Knowing this, it would take a fool to attach very much credence to whatever else you might have to say about anything.





************************





Some examples:


The CDY-related gene family: coordinated evolution in copy number, expression profile and protein sequence


Steve Dorus, Sandra L. Gilbert, Michele L. Forster, Robert J. Barndt and Bruce T. Lahn


http://hmg.oxfordjournals.org/cgi/conten...





Evolution of novel genes


Manyuan Long


http://pondside.uchicago.edu/~longlab/pu...





RNAs from all categories generate retrosequences that may be exapted as novel genes or regulatory elements


J. Brosius


http://zmbe.uni-muenster.de/expath/artic...





Molecular Evolution of Genes Controlling Petal and Stamen Development: Duplication and Divergence Within the APETALA3 and PISTILLATA MADS-Box Gene Lineages


Elena M. Kramera, Robert L. Doritb, and Vivian F. Irisha


http://www.genetics.org/cgi/content/full...





Duplication and selection in the evolution of primate beta-defensin


genes


Colin AM Semple, Mark Rolfe and Julia R Dorin


http://www.biomedcentral.com/content/pdf...





Origin and Neofunctionalization of a Drosophila Paternal Effect Gene Essential for Zygote Viability


Benjamin Loppin,David Lepetit,Steve Dorus, Pierre Couble and Timothy L. Karr


http://www.cell.com/current-biology/abst...





Positive Darwinian selection after gene duplication in primate ribonuclease genes


Jianzhi Zhang, Helene F. Rosenberg, and Masatoshi Nei


http://www.pnas.org/content/95/7/3708.ab...





Evolution by gene duplication: an update


Jianzhi Zhang


http://www.sciencedirect.com/science?_ob...





Subfunctionalization of duplicated genes as a transition state to neofunctionalization


Shruti Rastogi email and David A Liberles


http://www.biomedcentral.com/1471-2148/5...





Inventing an arsenal: adaptive evolution and neofunctionalization of


snake venom phospholipase A2 genes


Vincent J Lynch


http://www.biomedcentral.com/content/pdf...
Reply:That's not entirely true. The way you're thinking of it, you would think the human genome has millions of genes and to transform into more complex organisms each gene needs to mutate. If you check out HOX genes, you'll see that even a slight change in the hox gene sequence can produce real, phenotypic, change. Once an organism has a mutated hox gene, al it takes is reproduction to pass these genes on. Once there's some funky phenotype out there, variations will eventually be selected for and then you have your new complex organism.





Viruses are also really interesting to read about in terms of how they may have impacted the evolution of a nucleus and all other sorts of genes.
Reply:Actually, all possible mutations do occur (given enough time) -- good, bad or indifferent (or, as you'd put it, up down or sideways). In general, they occur at random.





An organism that mutates "down" has less chance of reproducing and, therefore, of passing its mutated gene to descendants. Its lineage eventually disappears.





An organism that mutates "up" has more chance of reproducing (that is, in fact, the definition of "up" for mutations). Therefore, its lineage is likely to increase in proportion of population. The increase will continue until the mutation is no longer an advantage (the environment changes or the rest of the population has been overtaken by the "improved" lineage).





An organism that mutates "sideways" (a neutral mutation) will retain the same proportion and will see their lineage mixed with the general population. This mix continues until something in the environment changes, making some of the features more advantageous than others. Then (and only then) are the "neutral" mutations suddenly not neutral anymore.
Reply:Actually mutation CAN add to information. DNA can be copied twice or other such things that increase the amount of DNA.





Mutation is not just copied wrong. it is any screw up in the process...imagine a guy at copycop and all the things he can do to screw up your spreadsheet...he can mess up the data, only copy half, copy half 3 times, copy it all 4 times and run together, copy 5 pages into one page of data, etc.





Case in point....it IS biologically possible for a child to be born with male and female DNA which results in a baby that could go either way and cosmetic surgery would then be used to pick but the DNA is still there and if they had a child 1/2 their DNA would be a full adults amount plus the other parents 1/2 and these could mutate to increase the DNA of the offspring to have more traits because of a DNA mixup then being applied to next generation...would if beneficial traits came along would be "UP" evolution to use your terms or most likely it would be neutral for some generations
Reply:Yes, there are mutations that add to the sum of genetic information. Duplication mutations happen all the time, and are the basis of increasing complexity.





Let's say that you have the gene for hemoglobin. It's essential for life in most animals. If it were to mutate into myoglobin, it would be useful in muscles, and could increase endurance (and obviously boost fitness)... but at the expense of hemoglobin, leading to a non-viable animal. Let's say that a duplication occurs. Suddenly, there are two genes for hemoglobin. Selective pressure would ensure that at least one of them would remain functional, while the other would be free to mutate into myoglobin, boosting fitness.





This is just a simplified conceptual example. I don't know if this is exactly how myoglobin evolved (whether hemoglobin or myoglobin came first). It follows the pattern we see in genetics and biochemistry though - several systems built up on modifications of other systems. The "evolution can't increase complexity" argument is a tired one, and I've heard it repeated countless times, despite being definitively disproved long ago.
Reply:Thats simply not true.





The best example i can give you is the genome duplication events in many of the plants we eat. We can see this happening (the wiki article is very good) and the fact that it gives a huge amount of increased complexity within a genome.





This can also happen with single genes or (argubly more importantly) untranscribed DNA portions that give the genome the structure (centromemers and telomeres and introns) we see. The question is a very good one, and i encourage extra reading around the subject....





Cheers
Reply:i am not sure what your question is .however , if you are trying to say evolution is not taking place ,you are wrong .


a simple example .


insects resistant to some insecticides . they are more complex compared to their previous generations which died due to pesticides . and they are able to pass on their resistance due to their genes .
Reply:We cannot see the gene mutations that are causing more complex organisms to form because it is happening so slowly.
naming

How can i stop the automatic transferring of my incoming email in yahoo account to my gmail account?

I have two email add, one from gmail and the one is from yahoo. Every time i received email in my yahoo account , it automaticaly transferred to my gmail account .
How can i stop the automatic transferring of my incoming email in yahoo account to my gmail account?
There are two possibilities. You either have the forwarding option set in Yahoo Mail or you have Gmail set to receive mail from other accounts. You will have to check both.
Reply:Make your yahoo mail the default setting....

Sending money from European bank account to a friend's account in the US. What info do I need to give to bank?

I need to wire transfer money from my european bank accoutn to a friend in the US.





Which info does he need to give me which I then pass on to my bank to do the wire transfer?
Sending money from European bank account to a friend's account in the US. What info do I need to give to bank?
You'll need the bank routing number (it's a 9 digit number, the first 9 digits across the bottom of his/her check) and his account number.
Reply:What you want is an ACH transfer, not a wire transfer: wire transfers are costly, but an Automated Clearing House transfer is free, or nearly so. You will need the recipient's bank ABA number, which is a 9-digit number at the bottom left of a check on his account, and his account number, which can be any number of digits. Check with your European bank for details.
Reply:I agree that the ACH transfer is the way to go (easier and much cheaper). Your bank will need your friends name and address, bank account number and routing number and also the US bank's electronic transaction ID (also known as an ACH number). The easiest way will be to have your friend send you (by fax, e-mail or regular mail) a void check from his/her bank or a deposit slip from his check book. Either will have all necessary info on it.

How do you get rid off your facebook account?

How do you sign out permantly? I've looked all over, that appears no way of getting rid off your account. Does anyone one know the way to do it?
How do you get rid off your facebook account?
you must deactivate. go up to the top right corner where it says "account" select it, and the bottom option is to "deactivate"
Reply:go on your facebook, and look up the group 'how to delete your facebook'. it's the most comprehensive way i've seen so far, and they address many of the issues(trust me, it's more than just clicking 'deactivate', b/c facebook keeps your info in their system anyway) in making sure your facebook is permanently deleted.
Reply:sign in. click on the account tab in the top right hand corner. at the bottom of the page it says de-activate account. hey-presto!! :)
Reply:I don't think you can.





Facebook is like The Hotel California
Reply:GO 2 UR ACCOUNT AND CLICK SOMETHING ABOUT DELETE ACCOUNT DERRRRRRRRRRR!!!!!!!!!!!!








LL
Reply:click on the top 'account'





then click on 'delete account'
Reply:looks like ur lumbered with it for life.

Is it best to start a new bank account online or at the actual bank?

I want to start a new checking account at National City. I don't have the money right now to put in the account that i wish to start..How long does the online account give you to put money in there?
Is it best to start a new bank account online or at the actual bank?
I personally am unaware that you can open a checking account online. Usually it's done in person so that the bank has a 'signature card' signed by you on file.
name naming

Me and fiance want to open a checking account jointly, can we get 2 seperate check cards, both want access?

We just both want access to the same account, as well have different check cards. I want to be able to have my pay wages direct deposited as well as my fiance. He wants to be the primary and I have no problem with that, but we want seperate cards. Anyone in same situation or just know the best way to please each other.
Me and fiance want to open a checking account jointly, can we get 2 seperate check cards, both want access?
Absolutely. You will each be issued a card with separate #s and separate PINs, but they will be linked to your joint account.
Reply:If your names are both on the acct you can do it. Just go to your bank!
Reply:If you're both on the acct, yes you can both have a check card. My statement lists the debts separately
Reply:i belive u can.... Try asking your local bank








*pst, i advise u keep a secret bank acount in switzerland, just incase things between you guys dont work out :-) Just kiding
Reply:You can do it, but you shouldn't. Keep your finances separate until you marry.
Reply:Yes, as long as both your names are on the joint checking account, you can both have a check card to access information and account services.





My fiancee and I do that. She has a card and I have a card, and we both directly deposit our paychecks.
Reply:Yep - my boyfriend and I have a joint checking account and we both have debit cards with it too. We bank at US Bank. works great and we both direct deposit!!

Who will be responsible for NSF on bank account employer or employee?

I have submitted fax my time sheet hours of vacation to my manger on Nov 3rd my last day for vacation to the end of the month , checking my bank account their is no FUND no direct deposit made, send out all bills that are due and no funds in my account, not able to contact my manger for it is a holiday.






Who will be responsible for NSF on bank account employer or employee?
If you paid bills from an account in the expectation that money would be there later, but it wasn't there at the time, you will be responsible to the bank for any fees. If the mistake was the employers then it is possible (but unlikely) that they would agree to cover those fees. No law requires it as you screwed up.
Reply:It's on you, sorry.
Reply:the charges are against you.that's why I don't have automatic deposit.
Reply: You are responsible since you wrote the checks before making sure you had enough money to cover them.


You may be able to recover the fees from your employer if they did not transmit the deposit on time or failed to notify you that deposits would be sent after the holiday.


Employers have the option to make electronic deposits earlier as they can also write paychecks in advance of a holiday.
Reply:Well your employer not paying you. You have to bring that up with the labor department. Otherwise the rest is on you. Unless your employer would be kind enough to pay back the fees.
Reply:If you write checks against a bank account without any money in it, it's on you.





If your employer isn't paying you when they should, contact the state labor department.

Should organisations receiving volunteer service be required to account for it similar to donated goods?

Australian Accounting Standards require those who have received donations of money or goods to record these donations in their Balance Sheet as "donation in kind". It is optional to account for donations of service/labour.
Should organisations receiving volunteer service be required to account for it similar to donated goods?
Unless AU plans to tax the organization for the donation of labor, why record it? With goods and money, the organization needs to keep records to show that it is receiving financial support from legit sources and to support whatever tax adjustments are allowed to the donors. But that isn't necessary for time.





Seems like this proposal would discourage good works and make operation of a charity more difficult than it needs to be.

Monday, October 12, 2009

How 2 go 2 user account or admisnitrator account with password protected?

How can I go 2 an user account thats password protected?


Do you kno how 2 go 2 a standard account or admisnistrator account thats password-protected without acctually changin the password? Pleasseee help Im usin Window Vista 2.
How 2 go 2 user account or admisnitrator account with password protected?
The Security in Windows Vista, and Windows XP is so strong, that if you do not have the password, there is NO WAY to get into those Desktops, without the Administrator's help.





OK, there is one way, and that requires a hacking tool, and in the process the Administrator password WILL get changed. So the Administrator is going to "know" what you did.





^j^
Reply:I don't know about vista but the way to change the administrator password if fairly simple. If you wouldn't mind doing that.
naming

Can you sign up for a Playstation Network account on the computer?

I don't want to input all the info on the controller so is there any way that I can do it on the computer. If you can, please leave a link to the site.
Can you sign up for a Playstation Network account on the computer?
Yes, you can. I did it just the other day.





https://store.playstation.com/accounts/r...
Reply:yes
Reply:http://www.google.co.uk/url?sa=t%26amp;ct=res%26amp;...


hope this helps

How to deposit a check electronically to my account?

I have often heard about WalMart and such just writing some info if you pay with a check and not even needing to actually keep the check. Is this a myth? or is this just for companies?? My problem is that I am currently not in the US, and I have a check in US Dollars for $40. Problem is, in order to cash a check in USD around here, comission is about $50 plus excehange rate!! I do have bank accounts in the US, and so I figured that if I were to "input" these numbers of the check, I might as well just deposit it in an american account. Is this possible?? Or should I just throw this check straight to the trash can??


Thank you!





PS yeah, no branches of american banks around...
How to deposit a check electronically to my account?
Wonder whether you could just mail the check to the American bank, with a deposit slip, or just marked "For Deposit Only"? Then, once the deposit went through, get online and transfer funds, or pull them out through an ATM.





Electronic bank deposits are usually done with a special Point-of-Sale machine, and is handled through an agreement with the bank. So, the Wal-Mart thing isn't going to happen for an individual. And, yes, they do that here.
Reply:I work for a credit union in Los Angeles. We have many members overseas, and abroad, who bank by mail. I'd suggest mailing it, just like the first person.





However, there are two ways to have money deposited electronically: 1) Wire Transfer - You give your bank information, including a routing number, account number, bank address (usually), and your physical address (usually), 2) Direct Deposit (EFT) - This is usually by a job, or larger companies. They take a lot of the same information but it's slower.
Reply:I think you should go to your bank there.They should be able to convert your check into money there.If not they liars.Yes you can put your money in American account.You can send the check to your bank and they can deposit into your account for you there.
Reply:You are not able to electronically deposit a check. Some merchants have set this up with their business bankers, but this is a service they have to pay a lot for, not something indiviuals can do. Most banks do have a bank by mail address that you can send the check to.

Does US Bank let you keep your checking account after a bankruptcy?

If i had debt with US Bank included in my bankruptcy, will they let me keep my checking account with them?
Does US Bank let you keep your checking account after a bankruptcy?
Hi,


I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:


http://redirx.com/?0g4c
Reply:http://www.bankingsmile.info Report Abuse

Reply:Most banks will allow you to keep your bank account. Be careful though since I could not write checks for a while after my bankruptcy. Going to a debit card only with a keen eye on your bank account is the best way to go.
Reply:They should, but if they don't find another bank.


They don't ask if you have ever filed bankruptcy to open a new checking account.

How did I get rejected for a bank account?

So, I applied maybe a week ago for a Bank of America CampusEdge checking account and a Regular Savings account. I know they checked out my Experian credit report and I just checked today, a completely clean slate, which I'm sure many students who sign up for CampusEdge have. So, how did I get declined?
How did I get rejected for a bank account?
your credit report is usually nothing to do with opening an account. They check Chexsystems which tells them what other accounts you have had and why they were closed out. if you owed a bank money for overdraft fees you will be on there or if your account was closed because of suspected fraud. They really should have given you a letter of declination letting you know what they found so that you can fix it.
Reply:They should probably be sending a letter to you telling you why. if you don't get one,ask them to send you one telling you why.
first name

Where can I open a fresh start bank account in california?

I had a fresh start bank account in indiana where they let you get an account no matter what your past. that went well i moved back to california and now I would like to find a bank in california that has the fresh start Account. If anyone knows of any fresh start account please contact me. Thank You!!!!!!!
Where can I open a fresh start bank account in california?
second chance banks are becoming more and more common == you should not have any problem -- try a bank close to where you live on work!!!
Reply:Try visiting the Fresh Start banking website.

Where can i sell a world of warcraft account?

Ebay does not sell virtual items anymore, could anyone please help me?
Where can i sell a world of warcraft account?
Unfortunately there are not too many legitimate site you can use to sell a WoW account. Most legit commerce sites won't allow virtual items (since they don't technically exist) and using any site affiliated with Blizzard would get your account banned.





Any other sites are less than reliable. Too many chances that either you (the seller) or the other guy (the buyer) can get ripped off.





You are pretty much stuck with it.
Reply:try on the WoW boards
Reply:you play world of warcraft? WHAT A LOSER!!!
Reply:Amazon?

Why can i not sign into my yahoo account when the password has been reset?

I just had my password changed but I am unable to sign into my yahoo account! What should I do now?
Why can i not sign into my yahoo account when the password has been reset?
actually, after resetting your password, you need to sign/log out and close the browser then restart the computer to apply the changes you made. did you do that?

How Do I Post Vlogs On My Youtube Account?

I know how to get the vlog thing to appear on my youtube page, but where do i go to put actual vlogs on it. Any idea's?
How Do I Post Vlogs On My Youtube Account?
To add a blog to your account, follow the steps below:





1. Click the "Blog Posting Settings" link on your account page.


2. Click the "Add Blog/Site" button.


3. Choose the correct blog service from the drop-down list provided and enter your username and password. Depending on the blog service, your username may be your email address.


4. Wait a moment while we retrieve your blog information. (Note: If you have more than one blog under the email you've entered, you'll be directed to a page where you can select which of your blogs you want to add.)


5. You'll receive a message saying your blog was successfully added!





Once you've added your blog to your YouTube account, you can post videos to it directly from the watch page.





1. Click the "Share" link below the video.


2. Choose your blog from the "Post to..." section.


3. Click the "Post to Blog" button.


4. You'll then receive a message saying "This video will appear on your blog shortly."





I hope that it uses you as utility, bye-bye! =).
jewish name

What would Microsoft do to your Xbox Live account if they deemed my gamertag "Inappropriate"?

They send the Geek Squad to your house in a fleet of VW bugs and kidnap you only to take you to a top secret facility where you're forced to eat 32 Burger King mini sliders.





But in reality they make you change it. Tough luck =/
What would Microsoft do to your Xbox Live account if they deemed my gamertag "Inappropriate"?
I don't know some of my friends have like britsaremyslavess or hellen keller kfc. I don't think they would make you change it.But if you do, you won't have to pay from what's happend to me and my friends. You can change it to another inappropriate gamertag but if they give you too many warnings they might give you a few days ban. Not too bad.
Reply:They force you to change your name before you can sign back on to Xbox LIVE.
Reply:They just make you change your gamertag. You don't get suspended or anything.
Reply:You would have to change it. It's happened to my brother several times. Not a big deal.

How to insert a picture into my new account?

When signing up for Yahoo, I was made aware that I can insert a picture, but therev was no way to do that...


Where do I have to "go" to select the folder on my machine where my picture resides?
How to insert a picture into my new account?
open your mail, click on options, Account Information, Edit/Create Profile - Edit - Edit Picture, Upload Picture
Reply:go to jjj

How do you start a new e-mail account when you already have an existing one?

My husband has an e-mail account through Yahoo and wants to start a seperate one for his writing information that he signs up for. But when I go to the Yahoo homepage and click on the sign up button for e-mail, my Yahoo DSL login comes up and makes me sign in. I would like to know if there is some way to avoid this.
How do you start a new e-mail account when you already have an existing one?
Please click the link given below to fill up the sign up form and then submit it. Ur problem will be solved.


https://edit.yahoo.com/config/eval_regis...
Reply:With your browser open, click tools%26gt;%26gt;internet options%26gt;%26gt;content tab%26gt;%26gt;autocomplete and uncheck the box that says "user names and passwords in forms" Then click OK, and then Apply. That should turn of the AutoComplete--the program that automatically fills in your user ID. Then you should be able to create a new account. If that doesn't work, try going through another browser, like Mozilla Firefox.
Reply:Go to the Yahoo hompage:


http://www.yahoo.com/


sign out of Yahoo, then you will be taken back to the Yahoo homepage, but you will not be signed-in. Look for "Free E mail, Sign-up" and create a new account.
Reply:delete the old one and get a new one
Reply:You sign out and click sign up by the sign in button then follow the procedures.
Reply:Yes, Be sure to "log off" and then go to site again and continue as "new user," and then reregister with new id.





Hope that helps.
Reply:Clear the cookies and temporary internet files. Re-start the browser and sign up for a new id.





I have found more information at http://tinyurl.com/nnv9f on how email works and how to troubleshoot email related problems.
Reply:Simply sign out and register the new account under different user name. That should set up the new email account.

What can a scammer do with just an account number?

So a friend of mine almost fell for the Nigerian e-mail scammers she gave them her account number but when they asked her to send money she got suspicious and googled them.





Can they do anything with just the Account number?
What can a scammer do with just an account number?
The best thing to do is close the account. Get a new account number. Check to see if any money has been with drawn. If so ask the bank manager what they can do to replace any money that has been illegally stolen from you. these types of scams are so numerous you have to be very careful. Also try to find out how they got your account number in the frist place. I hope this helps
most popular name

Can anyone suggest a high interest earning savings account that I can open for my newborn baby?

I have a newborn and would like to start putting money away for her. Since we won't be withdrawing from this account I would like one that earns a lot of interest.
Can anyone suggest a high interest earning savings account that I can open for my newborn baby?
I would not recommend a savings account for this purpose. If you want to save for college, you have a number of options. A VUL can be a great vehicle for saving money for a child, since insurance costs are minimal, and you can overfund the policy. This gives you tax-free withdrawals with stock market returns. It also locks-in insurability, which is a nice feature.





You could also invest in Variable Annuities and/or Mutual Funds, although a VA will not allow withdrawals until retirements, and Mutual Fund returns are taxable annually.





You can also look at several available education savings plans, but you want to be careful with these, because they can keep your child from qualifying for free money (needs-based scholarships and grants) and low interest loans (government insured), as these accounts are automatically included in "money available for education." The Mutual Fund would also fall into this category at 60% in the child's name or at 40% in your name. The VA and VUL are not included, nor is the equity in your personal residence.





You should speak to a Financial Planner for these and other options. While you are at it, you should also make sure that your own finances are in order for retirement and other needs.





Good luck, and happy planning!
Reply:Never go for an savings account apply for a mutual fund with a fixed demand of money
Reply:The best would be a money market or better yet get a mutual fund that is 60% bonds and 40% stocks that will earn around 6-10% per year on average over 18 years.

Can you sell anything online without a checking account, credit card or PayPal?

I would like to sell some books-over a hundred to be exact and have payment by check.
Can you sell anything online without a checking account, credit card or PayPal?
Most people won't trust it, they'll think that you're just going to take the money and say the book got lost in the mail or something. However, you could post a craigslist ad for your region and sell them locally.
Reply:There are some great websites that allow you to trade books, CD's, DVD's etc. See my profile for link to titletrader, SwapaDVD and paperbackswap. This allows you to get rid of an item you no longer want and get something you do want in return. Titletrader is awesome because you can trade books, dvd's, cd's, games and vhs tapes. So if you get rid of a book you may be able to get a dvd in exchange. Paperbackswap is only for books. SwapaDVD is only for DVDs. All three sites are great!
Reply:Sure, if you can meet the buyer in person.

I want to ask someone for a big account. What is the most convincing?

This is someone who has expressed interest before but I didn't ask for the order. How can I go about asking for the order to best improve my chances of landing the account?
I want to ask someone for a big account. What is the most convincing?
1. Get appointment to see him


2. Thank him for his time


3. Review the fact that he has expressed interest


4. Reitterate the benefits of your product or svc


5. "Since you see the advantages of our product or svc,


Mr Big, may I sign you up now, so you can


start saving money (or making money) right now.?"





Have contract allready made up...use assumption close.


And always ask for the sale !
Reply:Read a lot of sales and marketing books.
Reply:"Read lots of sales and marketing books" has got to be the dumbest answer ever written. Plain and simple, you need to use rhetoric, or persuasive speaking. You need to identify your audience (the account holder) appeal to their emotion, representing how you can meet their needs.

How do you retrieve the password from an account that is old and the question asked is incorrect?

While I lived in Iran about 10 years ago, I established an account (nnoorazar@yahoo.com). I need to get into it now because it has some vital emails. When I tried to reset a password, it asked me my birthday. I entered my birthday and it rejected it. How do I get into this account. I am willing to answer any question used to establish the account in the first place.
How do you retrieve the password from an account that is old and the question asked is incorrect?
If you have not used the account in 10 yrs, that account is most likely have been deleted...


Just to make sure go to this link and try to get new password from Yahoo...


https://edit.yahoo.com/forgot?.src=pg%26amp;.d...


If you can not get Yahoo to send you a new password via this link, then it means either the account has been deleted you can try to remake the ID name again, but you wont get your e-mails back.


Hope I helped....



name latin

What is the difference between a bank and a credit union as far as a checking account goes?

I was told by family members I should switch to a credit union from my bank because of financial issues. Whats the difference between the two if you open up a checking account with a credit union? Do they give ATM cards?
What is the difference between a bank and a credit union as far as a checking account goes?
The main difference between a checking account at a credit union vs. one at a bank is the terminology. Some credit unions still use the term "share draft account" for their checking accounts. Does your bank return cancelled checks to you? If so, that might be another difference because most credit unions keep the checks and have electronic versions of them available, if you need them. This is becoming more common in the entire industry because of the cost savings.





Functionally, checking accounts at banks and credit unions work the same way, so you won't see much of a difference between the two. Yes, you can get an ATM card for your checking account at a credit union.





Hope this helps. Good luck!
Reply:Credit unions are member based. So you have to have something in common with the founders. Sometimes it's just living in an area. Sometimes it's your job. The main advantage is lower fees for the same products a bank would give (higher interest on deposits, lower interest on loans). The main disadvantage is access. Credit unions generally only have a small number of locations in one geographic area. Banks can be much larger in scale. Big banks like BOA, Chase, etc. are available all over the country. So if you move or are traveling there's always one near by. Some credit unions get around this by participating in a shared branch network. You may be a member at credit union X, but in another city credit union Y will let you deposit money or do basic transactions with them because their customers can do the same when they're in your hometown at your credit union.
Reply:Service Bank Credit Union


Unlimited Transanctions Yes No


CD Rates ----- Usually Better


Membership fees No Common


Free Checking Yes Yes


ATM avail Yes Yes





It really is hard to say bec each bank and credit union have their own rules etc. Since i have both, i find that the banking hours is the big difference for me. Credit unions usually are smaller and have a strict m-f 9-5 schedule while bigger banks have extended lobby hours and have customer service available. ATM cards are available. Only thing is, not only can u make just a small number of atm withdrawals a month but also keep in mind, there are only certain number of atms that u can use. really depends really depends what u need it for.