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Women execs do make a business better

I thank columnist Mark Anderson for highlighting the important issue of advancing women in business. Expanding opportunities for women and business is Catalyst's mission and supported by our members, many leading FP 500 and Fortune 500 companies.

However, there is no magic bullet for advancing women to business leadership, nor easy solutions for business success. But our research does show a clear correlation -- not causation -- over several years between better financial performance and representation of women in top corporate leadership in Fortune 500 companies.

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Etihad opens new business class lounge

Etihad Airways has opened a new dedicated business class lounge at its Abu Dhabi airport home base which offers the airline’s business class customers a wealth of state-of-the-art relaxation and entertainment facilities in addition to around-the-clock dining.

The new Terminal 1 business class lounge follows the opening in January of a separate new lounge dedicated to first class customers and is part of a major overhaul of Etihad’s premium customer experience at Abu Dhabi airport.

More than three times the size of Etihad’s previous premium lounge, the business and first class lounges can now cater for up to 200 customers at any one time and are situated on the first floor of the airport.

Geert Boven, Etihad Airways’ executive vice president sales and services said: "Etihad is extremely proud to open our new business class lounge at Abu Dhabi airport which continues the airline’s aim of providing the best service to our customers whether in the air or on the ground."

"Etihad has received great feedback from our customers following the opening of the first class lounge earlier this year and we look forward to welcoming our business class customers to this wonderful new haven."

The new business class lounge includes a "wi-fi" area, library, relaxation zone, "well-being" spa, hi-tech electronic games room, smoker’s lounge and gallery showcasing work by local Arab artists. more

Envelopes of cash given to PM, Olmert bribery probe told

Mr Talansky insisted, however, that he had received nothing in return for his lavish gifts, even complaining that several "loans" he had made to Mr Olmert had not been repaid. With tears occasionally welling in his eyes when he was told he might have to delay his return to the US, Mr Talansky, who had tried to set up a hotel minibar business using Mr Olmert's contacts, said he had believed that his donations would cover expenses for the Prime Minister, whose political stance he professed to admire deeply. The Israeli Attorney-General wants to prosecute Mr Olmert on bribery charges but has to establish that Mr Talansky "or his business associates" actually received payback for the donations, which the American said amounted to $US150,000. The prosecution has said in the past that the actual sum could be as much as $US500,000. more

Third force to enter supermarket sector

Mr Wilkinson also applauded the retail model of upmarket retailer David Jones, which is about to launch a credit card in partnership with American Express.

"DJ's will continue to win because they are blending aggressive financial risk management with detailed corporate management," he said.

"I think they are leaders in the financial markets side, with how they maintain their expectation for growth without stuffing up their estimates for sites."

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Latest Business Processing Of Credit Cards News

Online Credit Card Processing for E-business - Associated Content

Accepting online credit card orders is a must for everyone who runs an E-business. If you do not accept credit card orders you could lose 85% of your potential orders. But accepting credit cards online often look like an impossible process for many ...

Americard Payment Processing Simplifies Online Credit ... - pressbox.co.uk

The company now provides a simplified system for processing credit cards and provides fees that are much lower than their various online competitors. In addition, the various bonuses and incentives that the website has announced make it worth ...

Global Payments Announces Agreement with ARIA Resort ... - PR-USA.net

Global Payments offers a comprehensive line of processing solutions for credit and debit cards, business-to-business purchasing cards, gift cards, electronic check conversion and check guarantee, verification and recovery including electronic check ...

Accept Credit Cards Using a Mobile Credit Card Terminal - Associated Content

So, for any business new or old where there are monetary transactions involved the Credit card processing machine is a must. Accept Credit Cards Anywhere, Anytime If you are a traveling merchant, you've probably used the clunky and hardwired credit ...

Discover, Diners Club cards travel farther with Global ... - Crain's Chicago Business

a unit of credit-card ... mean Dinners Club and Discover cards are more widely accepted. Terms were undisclosed. According to the agreement, Global Payments will add Diners Club card acceptance as part of its payment-processing services in some ...

3Delta Systems Promotes Rick Ricker to VP of Business ... - PR Inside

... CardVault®, 3Delta Systems’ innovative payment tokenization service that lets businesses safely accept and process credit cards ... online payment processing and security technology to our customers, and the sizable business opportunity for ...

Benefits of a Small Business Merchant Account - PRLog (free press release)

Establish Legitimacy: Once you start processing credit cards and providing customers with more payment options for convenience and flexibility, they will begin to see your business as a trustworthy and legitimate opportunity to make purchases.

Diners Club International® Signs Merchant Acquiring ... - Earthtimes

A Start-Up's Guide to E-Commerce Security, Speed and ... - E-Commerce Times

... credit cards to a trusted, capable and PCI-compliant payment processing provider is the most secure and most budget-friendly course of action. Even when you outsource payment processing -- the riskiest piece of running an e-commerce business ...

Diners Club International(R) Signs Merchant Acquiring ... - StreetInsider.com

Resolved Question: Legalcpn.com (scammers)?

This my question to legal cpn.com: How is it possible that someone can get approved for a mortgage when applying there is a form you must sign certifying that that is your ssn under the penalty of violating federal laws if misrepresented and you must provide a copy of your ssn card and the same goes for the auto industry. Legalcpn.com Response: your question/ response is from a position of misunderstanding or ignorance. Not in a negative way, but your comment is 100% lacking any other means of purchasing a home or auto (following your example) other than simple financing. If you call a dealer; tell them you have a business and you want to complete a fleet sales application and can they assist you with your application. On such application you will not find SSN as would you find on most poor people application or application for individual sales. As far as real estate we tell our clients to purchase their homes with land contract or owner financing. In such situations you will not have such form as you mention. I'm sure the world has seen the fact that you or any other poor person has a "MORTGAGE" AND MEANS LITTLE WHEN YOUR NOTE IS DUE; FOR I'M SURE YOU HAVE SEEN THE BANKS WILL KICK YOU OUT OF YOUR HOME JUST AS FAST AS A LANDLORD, LAND CONTRACT, OR OWNER FINANCING. I hope i best answered your question, and I'm sure you can see their are ways to purchase homes and cars other that forking over private and personal information which was not designed to be freely given out in purposes of GETTING SOMETHING EITHER FOR FREE OR ON A MONTH OBLIGATION WITH YOUR SSN NUMBER. Your ssn number was designed to track your earnings and wages over a life time as to wages and taxes and deciding your ssn benefits when such time arrives not for someone to be able to go-to shaddy's auto yard applying for a low budget used car or going to boost your rates every 6 months until you cant afford your low end under 200k home until they take all your money destroy your ssn credit and send you back to a over priced apartment where you ll pay for something for ever and never own it. I hope i made this point clear; the awaking process is necessary to make or take steps toward new and better credit.Update I informed Legalcpn.com that I was posting there response here it is how unprofessional: Appearnently, we have listed in our disclaimer, contract which must be signed and posted very clearly on our website the pro, cons, law and case history what someone can and can not do! Also Legal Zoom also sells a product very simular to what you recieve from LegalCPN at nearly the exact same price... Im sure youll email them next stating your moral believe not rooted in "any type" of legality. I guess you'll send a letter to the gun manufactures, missle, tank, battle ship and war airplane builders and tell them the same story.. im sure they will tell you that they built it but you need to read a contract to make sure your are lawful in YOUR ATTEMPTS. Matter of fact tell obama to bring home the troops! Im sure their still killing and being killed with same bullets build, missles, and such would not have been killed if not for the operator.Continued: aaawww. you going to forward a email becuase someone told you SOMETHING YOU DIDNT WANT TO HEAR! :? THATS WHY I USE THE LANUGUAGE POOR AND IGNORANT BECUASE FOR SOME REASON I FIGURED YOUR POOR AND VERY IGNORANT AND IF IT WAS YOUR WORLD AND EVERYONE LIVED IN IT, YOU WOULD TAKE THE FU OUT OF FUN AND SECRETLY LISTEN TO SOMEONE "TELL YOU HOW IT SHOULD BE DONE, THEN TELLING EVERY ONE ELSE WHAT YOU THINK." You know what that is; slavery! Im sure your black, your a black woman, you have a slave girl house nigga mentality and your iflled with self hate! Just a observation!Continued: PEOPLE PLEASE BE WARE OF LEGALCPN.COM!: I would sell you anything!! Ha!! You see our ads on tv/ radio/ print/ we have 987 affiliates, avon, amway huh?? "im going to do this, im going to do that?" why what did we do to you??? your just a hater huh??? then you lean on the lord huh??? well i guess what goes around comes back around huh??? now you can see y u r the way u r???? hateful, over oppinioated, loser, ha! maybe you should get a service site and do it your way?? do it the right way huh?? or you to lazy??? Maybe you should try to smile get a man, be nice?? stop complaining critizing and condeming?? Maybe you should read a dale cartinigy book??? try management and stop being a indian... hater! Ps somebody had to tell you this,, god speaks through people, and not every thing god does is good.... read the bible god is just and honorable.. read revelation he will come back and kill and get rid of wickedness im sure your not guilty and worthy of saving more

Resolved Question: Suspicious e-mail about tax over payments refund?

Here's the contents of the e-mail I received: Dear Applicant: Following an upgrade of our computer systems and review of our records we have investigated your payments and latest tax returns over the past years, our calculations show you have made over payments of 326.75$ Due to the high volume of refunds you must complete the online application, the telephone help line is unable to assist with this application. In order to process your refund you will need to complete the attached application form. Your refund may take up to 6 weeks to process please make sure you complete the form correctly. As we are upgrading our records we require the completed form showing your full current details before 20 March 2010 Please submit the form attached to confirm the refund. Note: If you are using Internet Explorer please allow ActiveX for scripts to perform all data transfers securely . S. M.Roberts Senior Manager Internal Revenue Service --------------------------------------… © Copyright 2010, Internal Revenue Service US All rights reserved. TAX REFUND ID: A29R119 I found it suspicious becasue 1: The dollar sign is in a wrong place. 2: It attaches an online document, when I click it, it links to an IRS.gov site, on the top of the site, it says: Please enter your Info and the Debit Card where refunds will be made. And the form is called Refund Payment Form. 3: there are other icons I can click on them too, like contact IRS, About IRS, Individuals, Business, and so on, but the page stays the same, still not leaving the refund form page. 4: it asks for SSN, Mother maiden name, credit card #, ATM PIN #, Bank account #, Issuing Bank. Is it a spam mail, a fraud? more

Resolved Question: How do I fix credit report when the credit card company is no longer in business?

I am in the process of trying to buy a home and recently reviewed my credit report. I noticed that one account was still reported as opened with a balance. more

Resolved Question: Under the new Credit Card Regulation can a company charge you a fee for scheduling a payment same day?

I've read all about the new rules and I know the companies have to give you a reasonable amount of time to process the payment same day and if your due date falls on a weekend or holiday then it gets pushed to the next business day, but I can't find anything stating if it's legal for the company to charge a fee for a payment scheduled same day. It seems counter-intuitive to the new rule if you have to pay a fee to do it, but we have all seen what has happened from the new regulations. more

Voting Question: Credit Card payment deadline?

Hey guys/gals i'm making an online payment and am not familiar with the deadline rules since i usually pay early to be on the safe side.But today (Sunday Feb. 28th), I realized that the payment is due tomorrow (on March 1st), so i payed today but the online confirmation says it takes 2-3 business days to process. My question is that as long as a pay on the due date, will i be ok? Or will they charge me some kind of late fee and interest because it has to be processed by the due date? thanks more

Resolved Question: Question about eBay?

Over 6 years I have collected coach and dooney purses...i have sold designer shoes, and purses, and other things on eBay...This is about my 12 sell, all positive, all authentic, but I had to file 3 non-paying buyers, and had to re-post items. They were all resolved (except for one), it was the 7th day, and after that she did not pay I filed a report...which is noted by eBay. Anyway I am trying to give u all the facts before I ask my question. They sent me an email, after I tried to post something saying: Dear xxxxxxxxxxxxxxxx We've noticed some activity on your account, and we need your help in verifying some information. We're sorry for this inconvenience, but while we're working things out with you, you'll have limited access to your eBay account. Depending on the situation, some of your listings may have been removed. Also, you may not be able to create new listings for certain items while this is being resolved. Please look for a follow-up email in eBay messages; it should be arriving soon. That email will contain information on what you need to do next to help us remove the restriction on your account, We appreciate your help in getting this resolved as quickly as we can. Sincerely, eBay Customer Support H60269 then a 2nd email saying Hello xxxxxxxxxx I tried to contact you earlier today to verify some information on your eBay account. I noticed that your phone number was the wrong number and I wasn't able to reach you. eBay requires its sellers to have a valid working phone number in order for us to reach you and for you to sell on our site. Please update your information. Also, Your eBay account has been limited to allow us to confirm your identity and review current business practices. To verify your account please send us the following documentation 1. A copy of an official, Government-Issued Photo ID (Driver's license, passport, etc.) 2. A recent copy of Utility Bill, bank statement or credit card statement to validate address. 3. Most recent purchase invoice of items being sold. Be sure to include the User ID and email address of the account on the submitted documents. If the fax doesn't contain this information, we won't be able to process it. Where to Fax: Attn: Merchant Vetting US number: 1-801-206-7562 International number: 001-801-545-2700 Where to Mail: Attn: Merchant Vetting PO Box 1469 Draper, UT 84020 (Please note that if mailed, please allow 7-10 business days for your information to be received and reviewed.) In order to avoid delays: Do NOT photoshop your user ID into the photos, be sure to display it in the actual photo. Be sure your submitted documents are current, valid, and legible. Thank you for your time. We hope to hear from you shortly. Regards, Marck eBay Trust and safety WTF IS GOING ON? more

Resolved Question: Provincial Trust line of credit?

Congratulations! You are approved! $7,500 Unsecured Provincial Trust Merchandise Credit Line from Provincial Trust! PROVINCIAL TRUST SHOPPING CARDS are issued with: NO Credit Check - NO Interest Charges Remember, this one-time Fee ($129.95 Membership Fee) will appear as an entry on your account by Provincial Trust and entitles you to receive your $7,500 Unsecured Provincial Trust Shopping Card for use exclusively at the Provincial Trust Catalog. This amount will be deducted as soon as one (1) business day. So don't forget to deduct this amount from your bank account. Please allow 14 to 21 days for processing and receipt of your New Unsecured Provincial Trust Shopping Card. Remember, the first monthly debit of $19.95 for your monthly membership fee will be deducted as soon as thirty (30) days. If you have any questions regarding your account, please contact Provincial Trust at 1-888-805-7812 or by email at memberservices@provincialshopping.com. Please add this email address to your white list or approved senders list. Thank you and Congratulations again! ******Does this seem like its legit or not?? do they take the money from your mastercard or from their provincial trust shopping card?? they have a website that you can buy only stuff from their store using their card hmmm seems a little strange to me.. what do you think????***** more

Resolved Question: need quick please help........................?

Today i ordered something from a website. When i was proceeding to check out, my computer started to act up. I wasn't to for sure if my order went through. I just went on the website and check my account. It said that i order the same thing 3 times and that i couldn't edit it, because it was in it's final stages of being processed or already sent for shipped. I only receive only 1 email for one order, not the other two orders with a different confirmation number. I just sent a e-mail to the company explaining that there was a mistake and two cancel two of them orders. I did give them the two orders confirmation number that I seen on my account that i have with the website. i just want to know what to do. How can i really make sure that those two orders i wanted cancel be canceled for sure. Can i call my credit card company and tell them my situation. and oh yeah the shipping is with in 3-6 business days. I don't stay in the same state as the companyi've just checked again and those two orders i want canceled are still being processd, Including the one i want to keep. more

Resolved Question: Application Form Question Help?

I am having difficulty when filling out on-line or off-line job application forms when they ask questions like 'Brief description of your main duties, responsibilities, and knowledge gained with emphasis on the areas most relevant to the job applied for? I usually write my job description and duties, responsibilities here is an example of 1 I done recently:- Duties involved receiving and validating business broadband contracts on a daily basis in the provisioning department. This involved processing customers details in an accurate manner from address verifying to correct products selected. I was responsible to complete 25 recorders per day which I achieved successfully with help and support. I regularly worked with account managers, planners, designers, engineers to allocate work loads, equipment, cable names, materials required for installation on customer premises. I was responsible to notify all parties through email of orders on the system. I achieved this by keeping a record of contact who were involved with each project occasionally phone my colleagues for urgent updates. Also, involved was chasing up delays on customer orders. This involved searching and finding historical notes and also contacting relevant parties involved. I had responsibility to inform the customer through phone and email of delays and provide new dates and times when installs will take place. I achieved this by keeping calm under pressure and giving honest feedback to customer with reassuring them of their orders. At various times I dealt with large workloads of contracts and customer requests. I had responsibility to work beyond my normal means in order to achieve these requests. I achieved this by planning and organising my workload in a set manner ensuring that I met customer requirement date. CUSTOMER SERVICES ADVISOR Dealing with credit card clients on a daily basis receiving inbound calls from members of the public to make payments, credit limit increases, pin requests and dealing with complaints using the company procedures. I also had to cross sell products on balance transfers, credit card cheques. I was responsible to ensure my customers were happy by filling out a customer survey at times. I was successful in this role and was able to meet the call quality and quantity targets by keeping a positive attitude and ongoing learning from myself and my team colleagues. Am I on the right lines here is there something I am missing out? Thanks. more

Resolved Question: My bank decided to close my business account. No bounced checks. No illegal activity. Why?

I have had a business account with this bank for almost a year (Ever since I opened the business.) My credit card processing gets deposited to them as does $15-20k a month in deposits/transactions. I received a letter in the mail today stating "At this time, "Bank Name" has decided to close your account because of special handling that is no longer economically feasible for us to maintain." It goes on to let me know when the effective date is, etc... I called the bank and spoke to the AVP that signed the letter. He couldn't elaborate other than to say the banks auditors made the decision. If you are in the banking business, I would like to get your response to why this might happen. Thanks. more

Resolved Question: Is this a good credit card to try and get?

I've never had a credit card, Im guessing I dont have bad credit, but I dont think I even have credit....was searching around for a credit card and found this one......its a Discover More credit card...if anyone has time to read through all this and give me some advice, it would be greatly appreciated! Thanks! Annual Percentage Rate (APR) For Purchases 0.0% for 6 months from the date of account opening;* then the standard APR, a rate between 11.99% variable and 19.99% variable Other APRs Balance Transfers: 0.0% for 6 months from the date of account opening for balance transfers made with your application*, then the standard APR for purchases. Cash Advances: 23.99% variable Default Rate: Between up to 16.99% variable and up to 24.99% variable for purchases; up to 28.99% variable for cash advances* Variable Rate Information The standard purchase APR may vary monthly and equals the Prime Rate plus an amount between 8.74% and 16.74%. The cash advance APR may vary monthly and equals the Prime Rate +20.74%.† The default APR for purchases may vary monthly and equals the Prime Rate + an amount between up to 13.74% and up to 21.74%; the default APR for cash advances may vary monthly and equals the Prime Rate + up to 25.74%.† Grace Period for Repayment of the Balance of Purchases Your due date is at least 25 days after the close of each billing period. We will not charge you periodic finance charges on new purchases, or any portion of a new purchase, paid by the due date on your current billing statement if you paid your entire balance on your previous billing statement in full by the due date on that statement. Method of Computing the Balance for Purchases Average Daily Balance (including new purchases) Foreign Currency Transaction Fee 2% of the U.S. dollar amount of each purchase made in a foreign currency Annual Fee $0.00 Minimum Finance Charge $0.50 Other Fees BALANCE TRANSFER TRANSACTION FEES: 3.0% for each balance transfer made with this application, thereafter, other offers may have a fee of up to 5%, with a $10 minimum and no maximum. CASH ADVANCE TRANSACTION FEE: 5% for each cash advance, with a minimum of $10 and no maximum. LATE FEE: $19 on balances up to $250 and $39 on balances over $250. * Each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Default Rates which will be determined by adding up to an additional 5 percentage points to the otherwise applicable APR. Your Default Rate is determined based on your creditworthiness and other factors such as your current APRs, and your account history. See Cardmember Agreement for details. † The Prime Rate used is the highest prime rate listed in The Wall Street Journal on the last business day of the month. For the standard purchase rate and the default rate for purchases, actual amount added will be based on our evaluation of your credit and will be disclosed with your Card. INTRODUCTORY/PROMOTIONAL APR OFFERS: Only balance transfers requested with your application are eligible for this offer. Balance transfers that are not requested with your application will only be honored at our discretion and may be subject to different introductory/promotional rate offers. Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you confirm that the balance transfers were made. Balance transfers may not be used to pay any Discover accounts. Balance transfers do not earn rewards. If you request multiple balance transfers, we will process them in the order they are requested on the application. You understand that if your application is approved, your credit limit may be less than the amount of balance transfers you request. In addition, balance transfers may be limited to a portion of your credit limit. If a balance transfer will exceed the credit available for a balance transfer, you authorize us to process any balance transfer for less than the amount requested, up to the amount of your credit line available for balance transfers. Making additional transactions may cause you to exceed your credit limit. You may only make balance transfers to accounts that list you as an accountholder. There is no grace period on balance transfers. We will increase your minimum payment due by $40 if you have a balance transfer balance. PAYMENT ALLOCATION: To the extent your payments exceed the minimum payment due each billing period, we will generally apply these excess amounts to balances with high APRs prior to balances with low APRs. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us. APPLICATION INFORMATION: Federal law requires that we obtain certain in more

Voting Question: How to handle Legal Issue with a Gym.?

Hi. I am in the process of dealing with a legal issue with a business and I would like some input from anyone proffesional. I joined a gym about 9 months ago. There was NO contract. It just went on a month to month basis and renewed each month unless you cancel it a month in advance. I paid my first months fee in cash. I filled out my paperwork stating that I would like for my monthy fee to be taken out of a SAVINGS account on the first of each month. The next month, both of my cards were canceled, my access into the building was denied, and nothing was taken out of my bank account. On the 5th of that month, I called the gym manager to find out what was going on and he said that he accidentaly put in the computer system that my account type was CHECKING (which it wasn't). He said that in order for my to have my membership renewed, I would have to come in and pay another full month is cash. I never came in and my cards stayed CANCELED. Recently I pull my credit report and there is a 2 month charge for that gym. He put the right account type back in, but withdrew without me knowing about it while my cards still stayed canceled! Now I am being threatened to have my wages garnished. I am trying to go to small claims court because I don’t see how I could be liable for his mistake. HELP!!!!!!!! Is he right for doing this? more

Resolved Question: should i add my 3 month temp work to my resume? i did customer service for that company?

2008-2009 Administrative Assistant · Reporting to owner, responsible for managing day-to-day operations of 7-employees. · Meeting with clients to discuss granite projects residential and commercial. · Manage company files, accounting records, data entry, follow up with clients on daily basis. · Purchasing material from slab yards with credit card or check. · Maintain daily calendar, Schedule work as well as to understand and resolve problems. · Contacting vendors, collections, direct employees to job site and picking up material. · Make business grow by advertising on different websites. · Made company over $40,000 in sales. 2006-2008 property Management Accounts Payable · Process invoices for payment in accounting system (Tenant Pro). · File processed invoices in the appropriate A/P vendor file. · Complete weekly check run, print checks, and month-end close statements. · Sort and file check copies along with invoices. · Review invoices for approval and GL coding · Analyze, research, and resolve past due invoices for discrepancies. · Communicate professionally with tenants, vendors, visitor enquirers and relevant staff. · Ensure all accounts payable are paid in accordance with established payment terms. ·Maintain vendor files, evidence of insurance, request W-9 forms, business license information and filing. 2003-2006 Accounting clerk · Process payroll, by counting money, checks and entering reports. · Update companies accounting system. · Collections and data entry. · Assisting accounting manager with human recourse files and errands. · Update database for accounts payable. · Process orders on a daily basis. more

Resolved Question: Small business owners on the web: What store front service do you use/recommend?

I am in the process of starting a small business website and I am not familiar with store fronts, I plan on selling products on my website and want to allow my customers to pay with credit cards and paypal. For those of you who run your website for your small business, which service(company etc) for store fronts do you use or recommend? It should allow me to integrate the shopping cart system into my website and then allow customers to process a payment and confirmation of orders. Thanks! more

Resolved Question: Need a solution for online payment processing?

We are a new merchant planning on launching an online auction website. Our business falls into higher risk category because it is an online auction plus it involves reserve deposit, capture deposit, and then transfer of deposit. My boss wants me to come up with a solution for the payment process by the end of the week. Our business model violates the rules of various third party processors such as Amazon FPS, Braintree, etc. Authorize.net has APIs to support our business model but I am yet to receive a reply from them. Paypal and GoogleCheckout are off the list because of bad reviews. The problem is I am not 100% clear on issues such as PCI compliance, how to store the credit card information, etc (I just recently learned about merchant accounts and gateways). What would be a good place to start? How should I go about with my research? Any suggestion would be very helpful(By the way, although my boss is from US I am from Asia so it is not possible for me to make phone calls to various providers. I am trying to communicate with them through emails) more

Resolved Question: Is anyone else being taken advantage of by eBay or Paypal?

I am a full-time medical student. I sell a lot of stuff on eBay and have gone thru many headaches with them. Unfair suspensions for random computer-automated stuff...limits..etc. It was frustrating and I could never seem to get anyone who was willing to help me understand what was going on. Recently, I bought a lot and sold as well. Naturally..it's the holidays. BAM..Paypal LOCKS my account. I only had about $5 in there, so I wasn't too worried. Yes, it DID mess up my business and has driven me into a whirlwind of depression...it's a long story..but I just cannot believe that these companies are allowed to get away with what they do. So needless to say, I had enough. I said..I am no longer going to be a victim to eBay and Paypal. HOWEVER, in all fairness, I transferred a big lump sum of money into Paypal to make sure that my eBay seller fees were paid off. I have an automated monthly payment. Although Paypal will not allow me to disconnect my bank account or ANYTHING from their account, I still wanted to follow the rules and pay eBay...although I despise them with a passion (I guess I "never had any issues" until it was ME that it happened to). Needless to say, eBay cannot process it since "Paypal" has placed limits, and they now want me to go OUTSIDE of eBay to pay with my credit card, etc. This is INSANE, as Paypal is THEIR company. I now have over $1,000 in Paypal that I cannot get back. I was doing the right thing by placing it in there, so that my balance would be high enough for eBay to take their fees. I cannot get ANYTHING back from Paypal...and eBay wants me to pay a HUGE seller invoice "another way". I simply do not have this money and these two companies are causing me so much stress that I am physically ill and nearly passing out at times. I want to do the right thing, and I have made a very clear effort, but I do not want to pay eBay $1,000 because they cannot process the payment thru Paypal. That was the agreement. I pay on time every month, and signed up for the automated payment so they would always have their fees..and now this? I wanted to ask..what happens if you do not pay your eBay fees? Again, it's not because I don't want to..it's because Paypal now has $1,000 and has frozen my account for 6 months (due to the holiday spike..and they said it was "suspicious" since I was buying and selling now....they asked for my social..I gave it to them..they performed a credit check..and said they were closing my account..I'm young so my credit isn't really that great..) I have heard stories that Paypal never even gives this money back after 6 months..they find a way to fine you and say they are keeping it for fees, etc...all while they build interest off your money. It's bad enough that I'm at loss..and there is nothing I can do to stop these tyrants..but I simply cannot afford to lose another $1,000 and I am thinking about telling eBay they need to take their payment from Paypal, or stop harassing me. What would happen? I know some say they will report you to the credit bureau..but how is that even possible if eBay doesn't have any of your personal info? For all they know, you can type anything you want on your eBay account. Please help. Thanks more

Resolved Question: eBay & Paypal are RUINING my life! I am trying to follow the rules, but I don't want them to steal more $$$?

Resolved Question: Is the Xbox Microsoft Programs address at 7313 Mayflower Park Drive in Zionsville Indiana real?

I sent in my 2 year service contract form in the business reply envelope only to receive a letter two weeks later from the following address Microsoft Programs 7313 Mayflower Park Drive Zionsville IN 46077 The letter easily looks like it could have been faked. The main point of the letter is that it is saying that "We have recently improved our credit card security process and require the three or four digit CVV security number on the credit card in order to complete your order". The letter asks that I write the CVV number on the original form next to my credit card number AND on the letter itself (in an indicated blank, underlined spot). The letter also wants me to copy my console's serial number on the letter as well, along with my daytime phone number. Has anyone else gotten this letter? Is it real or fake because the this Zionsville IN was NOT where the business reply envelope was address to go (it was address to One Microsoft Way in WA but I don't remember the whole exact address). more

Resolved Question: Where Can I Find Companies That Do Credit Card Transaction Processing For Internet Business?

I'm starting my own online business and need to process credit cards. I'm familiar with paypal and clickbank but would like to see if getting a merchant account with credit card processing features be a better fit for my business. However, I know that many banks do not like internet businesses, so is there a company that specializes in this type of accounts? more

Resolved Question: What Merchant Credit Card Processing Services Do I Need To Accept Payments Online?

I'm starting an internet business and will need to accept credit card payments. Should I use something like paypal or should I just get my own merchant account and payment gateway? From my initial testing, my sales look very promising and I'm expecting a lot of business. more

Resolved Question: Are "cash only" establishments really just tax evaders?

There are thousands of restaurants in southern California that are "cash only". The fees for processing credit cards are not that high, to justify a business to be "cash only". So why are so many "cash only"? Can only to be to evade taxes, as I see it. Why doesn't the IRS crack down on these establishments? more

Resolved Question: Unsolicited Credit Cards - Identity Theft?

In the last week my husband has received credit cards or letters from businesses talking about credit cards he applied for. He got acutal cards in the mail from Target and TJMaxx. He just got a letter today from Sears talking about how they are having problems processing his application for credit. THE PROBLEM: He NEVER applied for any of these. Should we be concerned that someone is trying to steal his identity?? We are worried and not sure how to deal with this...he has great credit! more

Resolved Question: Unsecured credit card debt. Being sued by credit card company?

My parents' small business started going under about two years ago. They sank every penny they had into it. They were unable to continue paying the mortgage on their house, and I had to start paying for it, until one year ago they transferred it completely to me. They are no longer listed on the ownership docs, and I'm listed as the sole owner. They are now being sued by the credit card company because they're unable to pay the debt (about 6,000). They have no assets (no car, no business, no property, no valuable possessions, under $300 in the bank) and are living with my sister. Neither one is working. Three questions: 1) Can the credit card company come after my house, claiming they transferred it to me to hide assets? This is not true; they had no idea at the time of the transfer that they wouldn't be able to pay the credit card off. 2) Is there any reason for them to go through the bankruptcy process, since they are too old to ever work again, so there are no future assets to protect? 3) What is the worst case scenario with the credit card company trying to sue them? more

Resolved Question: economcis homework helpp. please and thanks?

1. When the government attempts to cover large deficits by creating more money, what is the probable result called? government borrowing hyperinflation excess currency full employment 2. What is one of the major problems caused by a large national debt? It does not allow small investments by private individuals. It makes it hard for the government to carry on activities. It makes it difficult for the country to operate internationally. It decreases the amount of money available to be borrowed by businesses. 3. What was the state of the federal budget at the start of the twenty-first century? surpluses for the first time in 30 years large surpluses for the last 10 years minor deficit spending for the first time in 10 years balanced spending for the last 10 years 4. What can be expected when members of the baby boom generation begin to retire in large numbers? increased gross domestic product decreased interest paid increased deficits decreased services 5. What is a major argument against a constitutional amendment requiring a balanced budget? It would be hard to monitor. It would be too unpopular. It would be difficult to obey. It would be too inflexible. 6. The federal budget process begins with appropriations bills. federal agency estimates. Congress. the Congressional Budget Office. 7. Which of the following might be part of an expansionary policy? increased taxes a tax cut lower government spending mandatory spending 8. Classical economics states that markets should be allowed to regulate themselves. government should spend in a recession. government should cut taxes in a recession. government should raise taxes in a recession. 9. The main idea of the multiplier effect is that government should create new money to put an end to infaltion. every dollar the government spends creates a greater than one dollar change in economic output. taxes generally mutiply each year and create a greater deficit. as the economy grows, more jobs are created. 10. The national debt is all the money individuals owe on their credit cards. the interest the government pays on bonds. the total amount of money the federal government owes. the same as a budget deficit. more

Resolved Question: I applied for a credit card and it is currently under review...?

Last week I was denied when I applied for a student card from my bank, bofa. The reason was because I did not have enough credit references. Other reasons I'm guessing is because I haven't been with my part time job for longer than a year and I've had overdrafts (but I'm not in debt, I paid them off quickly). I was going to apply for their secured card but I've been reading that many people are being denied especially during these times. So I was unsure. Just tonight I applied for a credit card from Navy Federal Credit Union. I barely use my checking/savings account from them but I've never had an overdraft or anything. I didn't get approved right when I submitted my application. It is currently in "review in process" and it normally takes 3-5 business days for me to get an answer. My question is, do you think most likely I got denied? Usually people who get approved get approved right on the pot right? And since this is my second inquiry, if I get denied again, I will not apply for another card for another 5-6 months. I'm saying this because I know someone will say that inquiries hurt the credit score. If I get denied for this unsecured credit card, I will apply for the secured card next time. How can I boost up my chances of getting approved for a credit card? Final question.. I tried applying for a credit card from orchard bank but it did not process. It asks about where I work and the household income. I put my work and my individual income but I also put "live w/ parents". Could this be the reason why my application won't go through? All/any serious answers will be helpful. Thanks! PS: I'm an 18 year old student with a part time job. No credit history whatsoever. 2 inquiries so far. more

Resolved Question: Order from ccs store?

Hi, I ordered something from ccs skate store and I got a confirmation email but it seems suspicious. The email is : Thank you for ordering from CCS. To process your order efficiently, we request written confirmation of the order. To confirm your order, simply reply to this email and provide your name, credit card billing address and phone number. Please also include the bank name and phone number printed on your credit card. Please do not include your credit card number, expiration date or card verification number in your reply. Please respond within 5 business days to prevent the order from being cancelled. I already put in this information when i ordered should i respond to the email? Thanks more

Resolved Question: I want to go self employed and deliver Alcohol and Tobacco...?

I am starting a business which involves delivering Alcohol and Tobacco. Do I need a Personal License or do I need a Premises License? Or both? I have a feeling its both. What are the processes in obtaining both of these licenses, for example, I know a Premises License involves paying a non-refundable £100 but would I have to go to court or pass 'some sort of' test' in order to obtain one? Do both of these licenses cover selling Tobacco as well as Alcohol? I would also like to set up, through a website, a pay by debit/credit card facility and really need to know what the best way of doing this as my business needs to accept cash as well and 'Cards' (People at parties do run out of money when they live in the Country haha). Thanks very much for anyone's constructive help & thank you for your time. Jono_not_Bono xPs...Haha, I can handle drunks and pain in the ass customers. I spent 4 years of my life in the Parachute Regiment (Army). As for being ripped off, that's why I'm thinking it pay through PayPal. If it is Cash of Delivery, I won't be getting the Alcohol out of the van. more

Resolved Question: What is the best site for hosting an Ecommerce site?

I am in the process of owning my own online retail business. I've asked on yahoo answers about 3 times and keep getting treated as if I don't have a brain. That being said, what hosting site is the most reliable and offers the most services? I want to offer multiple ways for a customer to pay, such as paypal AND credit cards (some people don't know what paypal is... so please don't try convincing me to only use paypal). I also would like my customers to log in (so that they don't have to type in their information every time they buy an item). I would love a hosting site that offers templates because I like to create, but am not good at designing a web page without guidance. If you have any advice for my online store, I'd be happy to hear it. & if you don't know of any good hosting sites, I'd like information about sites you would recommend not using. (oh, and if you would like to put a link to your site, that'd be great. That way I can see an example of a template from the hosting site, and you can get some free marketing:) Thank you! more

Resolved Question: Selling on Craigslist scam?

I received this email this morning about a car I have for sale. I'm a little skeptical about the legitimacy of this myself but at the same time the person wants to do it through paypal so I'm not sure. I'm more leaning towards that this is a scam but would like others people's opinions on this as well. Hello Seller, I am actually buying this product for myself and i will handle the shipping myself so no worries as i am going to be responsible for the shipping bills, and i will add extra $4,000 for the shipping bill for you. This product is going to be picked up by my agent after i have made the full payment via PayPal, why am using PayPal is because it's the most fastest and well secured for online transaction. All i will need is your PayPal account email so that i can remit the funds into your account as soon as you email me your agreement to this process, and if you are new to PayPal, you can easily log on to ttp://www.paypal.com/us and set up an account with them with either your Bank account Information or your Credit/Debit Card details and its simple and easier, just in few secs; you get your account activated. PayPal is secure and reliable. hope doing business with you will be favorable. anticipate a favorable response from you. I will need more pictures of this product in your next email as i wont be able to come and check out this product. I reside in scottland but i get fascinated by products from abroad because it costs some fortunes here and hope we have a deal. Your fast response will be greatly appreciated and you can add me on messenger at: more

Voting Question: Questions about changing surname legally while I'm in College?

Right now I'm in my second year of College at Wake Technical Community College to get my A.A. Degree to transfer out to NCSU. I've wanted to change my surname now since I was a child, so I think it is near time. I want to change once I'm accepted into NC State so there is no problems while I'm registering. To be honest, at one point I was thinking about changing my entire name, but not only would I think that would be a hassle for several reasons, I also like my First and Middle name and I'm only changing my surname to separate myself from my family. Just to make it clear I am changing my surname because I want to separate myself from the family I sincerely hate, probably one of the only things I do. But I am also changing it out of discus for my family and the dislike of the name itself. But I do have some questions. Right now I'm in the process of applying to NCSU through he transfer program that my school has, which is a guaranteed acceptance if you follow the guidelines, which I am. So is basically is a guarantee I will be attending NCSU for my junior year next fall. So I plan on changing my surname sometime next year. If you have not picked up yet I do live in the State of North Carolina, so I need the laws and regulations for this state. I will be 19 next year if the age matters, even though if I'm correct 18 is the legal age for change. So I have a few questions though. Please try to answer all of the ones you can. 1. How to change my surname? 2. How long will it take in my case? 3. How do I get it changed on things such as lease, SS card, Driver's License, School transcripts and records, etc.? 4. Will my professors continue to refer to by my past surname? 5. If I want to work for a Government Agency later, will this name change ruin my chances of getting certain security clearances? This includes Military too. 6. Do I have to keep some form of name change form for proof? - I would like to change and try to forget and move on from the past? 7. Anything else you have to offer me? Thanks in advance to all that answer these questions. I would also like to add that I have no problems with the law, credit, past contracts, nothing. So I'm simply trying to change my surname for personal reasons, none business of legal related. more

Resolved Question: Just Ordered Phone Frome Car Toys. Help!!?

Ok i Just Orderd a Phone From CAr Toys But it said it wouldnt need to take money off my card but it did anyway. This is what it says. This order has been successfully placed on Cartoys.com, but it has not yet been approved for fulfillment. Your credit card has not been charged. Your credit card has been pre-authorized for payment. If your credit card is not charged the payment authorization will expire within a week (possibly much sooner depending on your bank.) Order processing may take up to two business days. Wireless orders may take up to 3 business days and may also require that we contact you directly. CAn Someone please fore the love of god Explain this to me. I also have bad credit, when i tried like verizon it declined right away, does this mean it wil be shipped?? more

Resolved Question: last minute usher gift?

Overstock.com completely messed me up! After I placed an order for my last 2 usher gifts on Oct 13th they tell me it can take up to 10 days to be shipped plus 5-7 days for actual delivery. I have the printout from the website that originally it was marked 3-5 days until it shipped but that changed and they "notified" me via e-mail so they say they are covered. 5 days vs 10 days pushes me real close to my 10/31/09 wedding date -- but it should arrive a couple days before. OK, so today is day 10 and exactly 7 days from rehearsal when I need the items. I call them because the order is still "processing". Then they clarify that it is 10 BUSINESS days to ship which is Oct 27th and then 5-7 BUSINESS days for delivery. That is after my wedding so its not going to work. NOW they won't cancel my order - which hasn't shipped yet! - so I can't get the credit on my credit card to go to a store and buy new gifts! With the wedding in 8 days, you can imagine that my budget is SUPER-TIGHT and I'm frazzled that this is one of the very few things I have remaining to do! I'm so angry at not being informed beforehand about this schedule that if I ever get the order from Overstock it is going right back and they can go scratch - I will never buy from them again! The order was for two men's dresser boxes (the equivalent of a mans jewelry box) - it was a nice wood with pewter design on top. I looked at my budget and I can spend $25 per usher and get to a real store over the weekend to pick something else. One usher is my cousin who is in his 50's. Married. Doesn't really NEED anything. The other usher is my fiance's 15 year old Nephew. Would a $25 giftcard for the nephew be OK? I'm thinking either Barnes & Noble or Gamestop if I can confirm there is a gamestop near him. Any ideas on my 50-yr old cousin? The ushers are so hard to buy for and now I'm on a limited budget.I've been dealing with customer service - they are refusing to cancel the order because they say it is "at the warehouse for fulfillment". IMO, if it hasn't shipped, it should be able to be cancelled. I've also lodged a complaint through the credit card that I used to place the order (and of course the charge hit 10 days ago when I ordered!) more

Resolved Question: Help with user requirements for object oriented analysis and design?

For the Fitness Centre Case Study construct user requirements. Can you give me some help and tell me exactly what i am meant to do. Walford Fitness Centre includes a gymnasium and resources to run various classes such as Yoga, Pilates, Aerobics and Circuit Training. You do not need to be a member to use the gymnasium or attend classes. Non-members are charged a fee each time they use facilities at the centre. At present, there are two membership types or categories - ‘Premium’ and ‘Gold’. • ‘Premium’ members pay an annual fee and a discounted rate for each visit to the gymnasium. They pay a fee before attending any fitness classes. • ‘Gold’ membership costs more (currently six times the ‘Premium’ rate). ‘Gold’ members do not pay any further charge to use the gymnasium or take part in classes (these are all included in their membership fee). A potential member needs to complete an application form to join Walford Fitness Centre. Once the application is processed, a member is provided with a membership card that has the member’s name and membership number. Currently the membership number also appears as a bar code. A member may attend as many gym sessions or as many classes as they want to. Each time a member enters the Fitness Centre the membership card must be presented to the receptionist. The receptionist scans the card into the computer system to make sure that the person is a current member, record attendance and in the case of a ‘Premium’ member the system would also display the fee to be collected. Usually a ‘Premium’ member would pay at this stage. However, sometimes a member might forget the membership card and the membership record may be retrieved using a name search. It is not unusual to have members arriving having forgotten their wallet. If they do not have money a member might still be permitted to use the facilities, the amount owing being recorded on the system. Any money owed would be displayed when a membership card is scanned on a following visit. There is a pre-set limit to the amount of credit that can be allowed by the system. Membership may lapse or be terminated by member request. Each training session is identified by a code which has an associated description, instructor’s name (if any) and membership fees. Each working day is also divided into time slots. Each time slot has been assigned a charge to use the equipment. For example, it is cheaper to use the fitness centre before 09:00 as this is considered ‘off peak’. The ‘peak’ rate tariff/charge begins at 09:00. Weekend time slots come with a higher charge. Irrespective of whether it is a training session or a daily time slot, for the staff at the centre it is a ‘resource’. A manger needs to set up each of these resources initially and amend the entry when there are changes to the charges. The centre sends out letters to members asking them to renew their membership one-month before membership expires. Usually, members would renew their membership on receipt of the letter and there is no provision for sending any reminders. When a member presents a card and if membership had expired the system would display the amount of money it costs to renew the membership. The member is given the option to pay the fee and continue his membership when the membership record is re-activated. Although membership fees are relatively low, there are people who find it inconvenient to pay the fee as a single payment. Because the centre sees itself as a service to the local community and not a profit making business, such members may be permitted to pay the fee in two or three instalments spread over a few months. Expired membership records that remain in the system are archived after three months for audit purposes. After that if a previous member wishes to re-join, they must complete a new membership application. It is not unusual for the membership to increase substantially at the beginning of a new year as people make resolutions to look after their health. Unfortunately, a significant number of these newcomers drop out after a few attendances. At the end of each day the duty manager requires two reports from the system. One such report relates to the money collected that day for reconciliation and safe keeping. The money collected on a given day is banked the following morning. The duty manager also receives an activity report showing attendance figures. Some transactions are through credit cards and bank debit cards. These cards are scanned and the transactions processed remotely by an agency. A senior manger receives a weekly report containing all transactions and attendance figures. These figures are important as some training sessions may need to be discontinued or amalgamated with others if the depending on numbers attending. Whenever there is a computer systems failure the back up procedure is to record attendance on paper. The attendances for each training session or gymnasium ‘time slot’ are listed. The rec more

Resolved Question: New Business Schedule C Questions?

I have a new business (embroidery) and have lots of questions on filing my schedule C next year. I want to make sure I'm collecting the right information today so it's not difficult come April. I've tried to research this as much as I can, so would like clarification on if my assumptions are correct: It is my understanding that boxes I purchase for shipping can be expensed as an office expense, such as line 18? I bought them in bulk and have a lot remaining but I've read I don't need to count this as inventory value and can expense it immediately. I also buy a lot of needles, and other items that don't go in the actual products that would be expensed on the same line? What about embroidery software, fonts -- same, line 18? The freight I pay to have fabric brought to me -- that goes as part of the COGS, line 36? But leftover value carries over as value of inventory? Fabric is so difficult -- I know the price per yard that I pay but it will be very time consuming to calculate exactly how much I've used / exactly how much is remaining to determine COGS and remaining inventory values... is it at all possible to expense this raw material (fabric) all at once vs carrying it over year-to-year as inventory? What about thread -- even more difficult to calculate than fabric -- can I expense this all at once as an office expense or do I really have to guesstimate the used portion in COGS and remaining portion as inventory value? The freight I pay to ship the product to the customer -- that goes as an other expense? Line 27/48? Credit card processing fees I pay to paypal -- line 27/48? I have a resale certificate but I've still been paying tax on a lot of my purchases, especially if I shop locally. Am I out those taxes (I shouldn't be paying taxes on materials included in a product I resale (and collect taxes on), right?...) or can I actually expense them as part of the COGS since I've paid them? For office supplies such as needles I mentioned above, I pay tax on those too but those are items I keep and should pay taxes on. Do I include the taxes paid on those items on line 18 or do I break apart these sales taxes as separate items and place them on line 23? And the taxes I've paid on fabric mentioned above, as part of the COGS line 36 or part of the taxes line 23? The sales taxes I've collected from customers go as revenue line 1, but then also get added into line 23? This seems to be a lot of work but any clarification will help. THANK YOU!!Can sewing thread be Sec 179 also (this would be so much easier) or do I need to compute it as ending inventory (since it is a material sold in my products)? Thanks for the great response! more

Voting Question: Please review my resume if I have it?

Please review my resume if I have it right? Name & Address CAREER OBJECTIVE:Administrator Position HIGHLIGHTS OF QUALIFICATIONS •3 years of experience in accounts payable, accounts receivable •6 years of experience delivering excellent customer service by solving issues through the application of conflict resolution techniques •Bachelor of Administrative Studies, Major: Accounting •Enrolled in level IV of CGA Ontario Program •Business Administration Diploma •Specialized tax training through Financial Advocacy and Problem Solving Sessions, and Canada Revenue Agency Income Tax Community Clinic Program •Proficient in ACCPACC, Simply Accounting, QuickBooks, Microsoft Office and Internet Applications •Proven ability to prioritize and complete multiple tasks to meet deadlines •Demonstrated ability to work well with individuals from diverse backgrounds •Languages: English, Farsi, Czech, Dari, Pashto, Slovak EMPLOYMENT EXPERIENCE Administrator2008-Present •Provides administrative support to the estimating department through preparation of meeting agendas, letters, reports, minutes and assisting with other administrative duties including arranging travel, preparing expenses, managed department vacation schedule, etc. •Effectively assists with the preparation and completion of monthly invoicing, progress billings including printing and reviewing spreadsheets and reports while consistently meeting stringent deadlines •Successfully provides reception duties; greeted clients, answered incoming lines, took messages as required, prepared, sent and received courier packages, opened and distributed incoming mail, processed outgoing mail, distributed incoming faxes, managed and ordered office supplies •Responsible for the efficient and timely collection of Statutory Declarations and WSIB Clearance Certificates and submission of Statutory Declarations, other documents •Responsible for accounts payable, accounts receivable, customer service, bank deposits, bank reconciliations, collections of all accounts, weekly payroll, issuing Records of Employment (ROE) •Prepares and remit all government remittances including GST, PST, WSIB and payroll deductions. Prepare annual T4’s and T4 summaries •Reviewed and investigated documents and processes during the audit process for the audit team to carry out audit efficiently and effectively. •Maintains and responsible for petty cash, credit cards and postage stamps Accounting Clerk 2008 - 2008 •Prepared and maintained accounting files and reports related to customers, vendors and employees •Reviewed forms, ledgers and records for accuracy •Assisted with company billings, reconciliations, calculation of commissions •Processed accounts payable and accounts receivable, business transactions •Provided daily bookkeeping support and assisted with payroll preparation •Prepared payroll taxes and recorded cheques in accounting software Assistant Manager2001 - 2007 •Balanced cash with continued accuracy by counting cash at beginning of shift and balanced out each cashier at the end of the shift •Utilized the cash register to complete customer transactions, handling customer refunds and exchanges •Received product shipments and ensured accuracy by matching every item with invoices, issuing damage or shortage claims at the time of delivery •Ordered stock and inventory to meet customer demands, and ensured the general merchandise shelves were stocked and maintained •Processed accounts payables, bank deposits, accounts receivables, logged the information into the company’s accounting system and assessed ATM audit •Aided in human resources functions by creating bi-weekly schedules, payroll processing, and reviewing daily performance to meet established goals •Took the initiative to keep up to date with product knowledge, and communicated with customers concerning their needs and recommended products that suited their needs more

Resolved Question: I am in need of information on how to start a website for my business that has specific capabilities?

Hello All, I have my own business that I feel real strong about. I need to get a Website for my business but I don know much about websites or how they are created. I have done research on the topic but nothing has satisfied my question or where to go to get what it is that I need. Basically, I need a website that has credit card/ checks transaction, as well as being capable to fax order requests. I need this website to allow me to process orders over the internet and for it to be capable of allowing my clients to make transaction over the phone. I need email to come with it, forums and blogs so I can provide answers to my clients question via internet, I also need to be capable of tracking voice mail. Does anyone know how I should go about getting this? Recap: Credit card/ check transaction via phone and internet Faxing of orders to me Allows me to process orders mailed and faxed Email Forum/blogs Voice mail I would like to be able to control everything in the above from my website instead of going to different places to track or process something. I need everything to be tracked and recorded for my records, such as orders, clients that are interested and so forth. I welcome your advice because I need it, Thank You more

Resolved Question: do you trust your bank?

Jul 09, 2009 -- Bank fees on the rise again Fees are on the rise again as banks try to make up for revenue they've lost to bad debt write-offs. In fact, three-quarters of bank revenue on supposedly free checking accounts now comes from overdraft fees. That's why it's called "fee checking" in industry lingo! One of the most controversial practices among the giant banks concerns their overdraft systems. They won't allow you to opt out of the loop where they approve debit card transactions knowing you're overdrawn just to fee you. Bank of America has now increased the maximum amount of its overdraft charges per day to $350. Don't adjust your computer screen…that's $350, according to The Washington Post. If you're in danger of running in the red with your account, then you need to rethink everyday spending. Go old-school -- live a cash-only lifestyle and swear off the debit card. You might also want to fire your giant bank and take your business to a smaller community bank or a credit union. Unfortunately, Clark won't be able to answer any questions submitted via commenting. If you have a question, please try posting it to our message boards. Add your comment Avg. rating: N/A bank fees What has biten me is our checking account, 22 years old with same bank, same address, nothing has changed, and we had a problem, a payment done on line for $1100 appeared not to post, so I did it again, I called the bank and told them to not honor both if both were presented for payment as only one should have, (same amount, same debtor also for over 4 years), well both got drafted out, and we were continuing as usual with our debit card, making purchases, even purchases for $3.00 and less, and every single one we were charged a $35.00 overdraft fee, and were not even aware of this. Well not until nearly 9 days later when pulled up at ATM, went to make $100 withdrawal and the receipt showed a -$746. balance. I was like what? so I presented it again, thinking it was an error, same thing, and to really take an extra bite, each time I presented the card into the machine was a $35.00 fee, twice for the decline and the balance check. I went into our bank, and was told well we are just the small branch in this little town we cant make decisions to reverse any charges, I asked for the Corporate bank and was told that our branch manager would talk with them but she didn't think we would get any help because it was all computer generated. Well 3 days later and I went back in, and she told me, no the Corporate Bank said no help, all charges stand. Because we had the $1,000 protection they continued to pay, but charged us the draft each and every time., over $1300 in overdraft fees. By SCgirl @ 09/25/09 04:57:28 PMreport abuse * Overdraft Changes The first thing I would like to say is the majority of overdraft/insufficient fund fees come from the customer not keeping track of their own account. The customer should always know how much they have in their accounts. If you know you have $50 don't spend $75 and write a check for $100. That is common sense. The next thing is that a major bank I work for is making drastic changes to the overdraft process that will please many people. I'm unable to expand but I'm sure Clark will explain when he reads about the changes. By Personal Banker @ 09/23/09 09:13:25 AMreport abuse * BoA Transaction Ordering to Maximize Fees I've been bitten by this several times in the past few months. I normally keep pretty close track of what's spent and how much we have left, but sometimes mistakes happen. I understand that. I accept responsibility for that. What I do not understand is how they can justify re-ordering transactions to go from largest to smallest rather than chronological order. I've had reps tell me that it's "for my convenience," which is utter hogwash, in my opinion. Typically, I have one transaction that should've gone into the red. Not with Bank of America - they re-order it so that I wind up with multiple fees, instead of just one. I'm going to follow Clark's advice from the other night and go to my branch manager and ask him to stop this madness and refund the fees. Even if they do, I still plan on jumping to a credit union at my earliest opportunity. By Steve Scott @ 09/18/09 06:07:47 PMreport abuse * Bank of America fees I am outraged that Bank of America is riping me and others off. One of my account was overdrawn by $10. I was assessed the $35 OD fee on 8/5/09. So why did I get charged another $35 OD fee on 8/11/09? I called into the bank and was told that since it was not brought up to par within the 5 days, I was charge an additional fee. I have other accounts in other banks and I have NEVER encounter any such nonsense. Bank of America makes sure that the consumer pays for their short falls. By ktlight @ 08/12/09 11:36:53 AMreport abuse * more

Resolved Question: Closed my bar and grill...lost everything, but still have debts..bankruptcy?

Well I tried to beat the economy with a great product and friendly service but I failed to keep up with the declining business. I closed up shop and have a few outstanding debts. Electric bill, Cable and thier rediculous 2 year contract, a food vendor and a 5k loan from a company that leveraged credit card sales. My partners have bailed and changed numbers, i still answer the phone but I have no money to answer these people with. I lost my house in this whole process and had not had a pay check in several months. I just landed a decent job which I am thankful for but I cant afford to pay business debts when I have personal debts that need paid. I am curious about personal guaranty with the credit card loan people and if that would be exempt from a bankruptcy. Also would I just file for the chapter 11 on the LLC? Or do I have to file personally as well? I dont want to ruin the next 10 years of my life with a bankruptcy on my credit report but then again I have a foreclosure so what can I do? more

Voting Question: How can I make the right choice for this time in my life?

I am 53 years old and have been unhappily married for 35 years. My situation in life right now is this: I have lost (had to close) the business my husband and I owned and ran together. The house we have lived in for 18 years is being foreclosed on. My credit is completely destroyed - I have over $75,000.00 in credit card debt. I have a rental house I am in the process of selling and only hope to clear around $17,000.00 from the sale. I have no college education though I am extremely knowledgeable in most all aspects of daily business operations. (Bookkeeping, payroll, taxes, quarterly reports, customer service, management, purchasing, receivables/payables, etc.). Having been self-employed for most of my life, my resume is limited at best. As I said previously, I am in a miserable marriage but have been married for all of my adult life. I am scared, lonely and think that is my only chance to get out of this life. However the thought of walking away with no home, no job and only $8,000.00 is really truly frightening. What should I do? I have no other family or friends to count for help. I am alone if I leave. Also, I live in a Florida county holding one of the highest rates of unemployment in the nation. Jobs are few and far between. If anyone has any positive suggestions, I would be grateful and appreciative. more

Voting Question: Picking tenants for rental property?

I am in the process of re-renting my rental property. I had such trouble with previous tenant so I would like to be careful and thorough with the new potential tenants. I am wondering how are the banking and credit references used? I have received an application from a potential renter with bank and credit card account information. Can I call the bank and credit card company to find out whether the accounts are current and in good status? This potential tenant has low credit score but put a high income on the application. Apparently he has his own business. I asked for copies of last two most recent pay stubs for income verification but i think bank and credit references would be better indicators.No previous landlord info available. Apparently he owns a house but the mortgage became difficult to pay. So he decides to rent his own house and rent a cheaper house to live. I understand he has already found tenant for his house. Can I contact the mortgage company to check on the status? more

Resolved Question: Is it illegal to have more than one credit card processor?

I own a small business and I'm expanding in a couple of weeks. The current credit card company I'm with charges me some pretty high rates but they've been with me since the beginning and took a chance on me. Would it be illegal for me to use another company to process my credit cards for my new location? Can I have more than one credit card processing company? more

Resolved Question: Police Recruit and Background Process. Wanting to become an Officer?

I'm wanting to apply to different police agencies, however I'm not to sure if I should wait or go ahead and proceed with applying my application. - I do not have the best of credit however, I been paying on alot of my old bills and almost caught up. - My license has been suspended for the past seven months, but now its current. I left it on suspension, because I did not have the money to pay it, plus I did not have a car, so I just took the bus. - I will be going to court next month for child support, my son mom is requesting that from me. Which I don't mind at all, being he's my son. - There was a few times the police went to my son's mom house because I called the cops. She did not give me my son, plus she took my car keys away another time. But there was no police reports, (Does this matter if there is no police report) Well those are the only things I can think of The Good Though - I have my A.A in Business - I have my CPR Card - I now have a Full time Job - In school Full time - Taking Report Writing, and Other Adj Courses - I will be an EMT Certified at the end of the semester - Never been to Jail So if you are a background Police officer, or can offer any suggestions on what I should do, please give me some advice. I know this is what I want, and I'm 26 yrs old. I've always wanted to do law enforcement, and I'm more ready than ever before, but I'm not sure what will happen during my process. Any Advice would be great. Thank you more

Resolved Question: Professional Credit Advice in Rochester NY?

I am engaged and due to a couple circumstances my fiance and I are talking about merging a couple things now, before marriage. My fiance is in the process of repairing his credit and has a score in the 600 range while I am around 800. The main thing we would like to do in the next couple months is open a joint checking account to pay the household bills out of while still keeping our own savings and checking accounts we currently have in our own names. He would also like me to add him as an authorized user on my highest limit/oldest credit card. He believes this will help up his score but I would like to talk to someone before doing this. I am looking for someone (a company or non-profit) that will sit down with my fiance and I and go over our credit reports and give us some direction on whether taking these actions are smart right now. We are past the point of needing any sort of debt consolidation or consumer credit type business since the debt is gone but that seems to be all that is out there. more

Resolved Question: Do you know about this? With ACORN running the Census you may want to pay close attention to what the BBB has?

Do you know about this? With ACORN running the Census you may want to pay close attention to what the BBB has? to say. BBB Alerts Consumers about U.S. Census Workers: Be Cooperative, But Cautious! 5/5/2009 For years, Better Business Bureau has educated consumers about not giving out personal information over the telephone or to anyone who shows up at their front door. With the U.S. Census process beginning, BBB advises people to be cooperative, but cautious, so as not to become a victim of fraud or identity theft. The first phase of the 2010 U.S. Census is under way as workers have begun verifying the addresses of households across the country. Eventually, more than 140,000 U.S. Census workers will count every person in the United States and will gather information about every person living at each address including name, age, gender, race and other relevant data. “Most people are rightfully cautious and won’t give out personal information to unsolicited phone callers or visitors, however the Census is an exception to the rule,” said Steve Cox, BBB spokesperson. “Unfortunately, scammers know that the public is more willing to share personal data when taking part in the Census and they have an opportunity to ply their trade by posing as a government employee and soliciting sensitive financial information.” The Census data will be used to allocate more than $300 billion in federal funds every year, as well as determine a State’s number of Congressional representatives. Households are actually required by law to respond to the Census Bureau’s request for information. During the U.S. Census, households will be contacted by mail, telephone or visited by a U.S. Census worker who will inquire about the number of people living in the house. Unfortunately, people may also be contacted by scammers who are impersonating Census workers in order to gain access to sensitive financial information such as Social Security, bank account or credit card numbers. Law enforcement in several states have issued warnings that scammers are already posing as Census Bureau employees and knocking on doors asking for donations and Social Security numbers. The big question is - how do you tell the difference between a U.S. Census worker and a con artist? BBB offers the following advice: • If a U.S. Census worker knocks on your door, they will have a badge, a handheld device, a Census Bureau canvas bag and a confidentiality notice. Ask to see their identification and their badge before answering their questions. However, you should never invite anyone you don’t know into your home. • Census workers are currently only knocking on doors to verify address information. Do not give your Social Security number, credit card or banking information to anyone, even if they claim they need it for the U.S. Census. While the Census Bureau might ask for basic financial information, such as a salary range, it will not ask for Social Security, bank account or credit card numbers nor will employees solicit donations. • Eventually, Census workers may contact you by telephone, mail or in person at home. However, they will not contact you by e-mail, so be on the look out for e-mail scams impersonating the Census. Never click on a link or open any attachments in an e-mail that are supposedly from the U.S. Census Bureau. For more advice on avoiding identity theft and fraud, visit www.bbb.org http://www.bbb.org/us/article/bbb-alerts-consumers-about-us-census-workers-be-cooperative-but-cautious-10306 more

Resolved Question: If Obama is for the "little guy," why do the Big Guys do so much better with him as the POTUS?

The Washington Post carried an article last week outlining the immense consolidation that has taken place in the US banking system as a result of the policies of the Bush and Obama administrations in response to the financial crisis. The article, entitled “Banks ‘Too Big to Fail’ Have Grown Even Bigger,” reports how the largest banks have consolidated control over a greater share of financial markets and are using their monopolistic position to increase their profits by raising fees and interest on consumers and small businesses. “The oligopoly has tightened,” said Mark Zandi of Moody’s Economy.com, who is quoted in the Post article. “There’s been a significant consolidation among the big banks, and it’s kind of hollowing out the banking system,” he added. The newspaper reports that JPMorgan Chase, Wells Fargo and Bank of America now each hold more than 10 percent of all deposits in the country. These banks, plus Citigroup, issue half of all mortgages and two-thirds of all credit card loans. In the past year alone, the ten largest banks have increased their share of bank deposits from 40.6 percent in 2007 to 48.2 percent today. The large banks are taking advantage of their increased control over the market to drive up fees. The Post noted that in the last quarter these banks raised their deposit fees by an average of 8 percent, while the smaller banks lowered their fees by 12 percent. In promoting and subsidizing the takeover of failing banks by the biggest banks and investment houses, the Post notes, the government violated federal antitrust regulations, which prohibit any single bank from controlling more than 10 percent of deposits nationwide. They also violate Justice Department antitrust advisories on the degree of control over regional financial markets by individual banks. In addition to these major acquisitions, more than 80 smaller banks have been seized by the FDIC this year and many have been incorporated into larger banks, with the aid of government subsidies. As a result of this process, three major competitors of the largest Wall Street firms—Bear Stearns, Lehman Brothers and Merrill Lynch—have disappeared, and major commercial banks such as Wachovia and Washington Mutual have vanished, leaving such giants as JPMorgan Chase and Goldman Sachs in a position to dictate market conditions. The growth of the remaining big banks has been staggering. Bank of America grew by more than 138 percent after acquiring Merrill Lynch and Countrywide Financial, according to the Washington Post report. JPMorgan Chase grew by 50 percent after appropriating Bear Stearns and Washington Mutual, and Wells Fargo expanded by 43 percent after snapping up Wachovia. Prior to the crisis, Wells Fargo, JPMorgan Chase and Bank of America controlled 4.4, 7.0 and 9.6 percent of bank deposits, respectively. Now, they control 11 percent, 10 percent, and 12.9 percent. This consolidation, together with the Obama administration’s pledge to spend whatever public funds are required to prevent the failure of the remaining mega-banks, has enabled these banks to borrow funds at significantly lower rates than their smaller rivals, creating the conditions for a further concentration of financial power in the hands of a few super-banks. Banks with $100 billion or more in assets are borrowing money at interest rates on average 0.34 percentage points lower than their smaller rivals, according to the Washington Post. That advantage was only 0.08 percent in 2007. The process of government-mediated consolidation continues. The Wall Street Journal reported Monday that the FDIC has been subsidizing the purchase of distressed banks by larger institutions by guaranteeing virtually all of the potential losses of the bigger banks. The article reports that the FDIC has assumed up to 95 percent of the risk on $80 billion in assets of failed banks bought by other banks. The FDIC’s total potential losses are close to $80 billion, compared to the $10.4 billion it currently holds to guarantee the deposits of millions of consumers. The FDIC’s deposit insurance fund has fallen from more than $50 billion a year ago and is being further depleted by new bank failures. Officials say they expect over 300 more bank failures in the coming months. The agency expects to cover $14 billion in losses on the takeover subsidies it has already extended. It is widely expected that the FDIC will tap billions of dollars in public Treasury funds to shore up its deposit insurance system. As the Wall Street Journal notes, the FDIC’s policy of engineering bank takeovers at public expense “amounts to a subsidy for dozens of hand-picked banks.” The vast concentration of financial power is the result of a deliberate policy of both the Bush and Obama administrations. It is one component of a program to utilize the financial crisis precipitated by the speculation and profiteering of the major banks to carry out a massive restructuring of theI am not "you guys." He is absolutely a waterboy for the corporate oligarchy. He's no socialist. He's emptying the federal treasury into the coffers of private corporations, by the trillions! Follow the money, not the rhetoric. more

Resolved Question: Is this email a scam? Says it's from Paypal?

The address is service@paypal.com. It has all the Paypal logos and all that, but what's all this? I never paid for a TV, I don't even have that much money Congratulations , Your payment has been sent .To view your transaction status or details click here This email confirms that you, have paid 138.14 USD to RH SERVE using PayPal. This credit card transaction will appear on your bill as "PAYPAL *RH SERVE". Payment Details Purchased From:RH SERVE Item # Item Title Quantity Price Subtotal 5676830636 Plasma LCD Flat Screen TV's Up To 90% Off RRP @ Auction 1 138.14 USD 138.14 USD Shipping & Handling via Standard Delivery to 577XX (includes any seller handling fees) $0.00 USD Shipping Insurance (optional): -- Total: $138.14 USD Note: Shipping Information Shipping Info: mohammad 234 east tallent st #2 rapid city, SD 57701 United States Address Status: Confirmed If you have questions about the shipping and tracking of your purchased item or service, please contact the seller RH SERVE. Get Verified – Your Key to More Security and Free Features Get Verified and help increase the security of your PayPal transactions for yourself and for everyone with whom you do business. You can also: * Fund purchases directly from your checking or savings account, in addition to using credit cards * Improve your reputation by letting others know you're a confirmed, Verified member of the PayPal community * Send money to friends, family, and PayPal Personal Account holders Get Verified! Thank you for using PayPal! The PayPal Team Your monthly account statement is available anytime; just log in to your account at https://www.paypal.com/us/HISTORY. To correct any errors, please contact us through our Help Center at https://www.paypal.com/us/HELP. FOR INTERNATIONAL PAYMENTS ONLY Commissions and Fees incurred by sender: ./mail.sh.20279.00 Rate of Exchange: The above exchange rate includes a 2.5% spread above the wholesale exchange rate at which PayPal obtains foreign currency, and the spread is retained by PayPal. If and when the Recipient chooses to withdraw these funds from the PayPal System, and if the withdrawal involves a currency conversion, the Recipient will convert the funds at the applicable currency exchange rate at the time of the withdrawal, and the Recipient may incur a withdrawal fee. RIGHT TO REFUND You, the customer, are entitled to a refund of the money to be transmitted as a result of this agreement if PayPal does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the money shall be forwarded or transmitted are not complied with, and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to PayPal at P.O. Box 45950, Omaha, NE 68145-0950. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to ,000.00 USD and attorney's fees pursuant to Section 1810.5 of the California Financial Code. Important Note: The Right to Refund claim process applies only to payments that have not been successfully transmitted to the recipient. With PayPal, almost all payments are transmitted to the recipient immediately, except for eCheck payments, and payments to non-PayPal members. Please do not file a Right to Refund claim if your payment has already been completed. If you have problems with a completed payment or need assistance with settling a dispute with a seller, go to PayPal's Resolution Center by logging into your account and clicking the Resolution Center sub tab located at the top center of the Account Overview page. You can also click the Help link at the top right of any PayPal page to look up more information about the Resolution Center and filing complaints. Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and choose the Help link located in the top right corner of any PayPal page. PayPal Email ID PP843 PayPal, Inc. P.O. Box 45950 Omaha, NE 68145 Sincerely, PayPal more

Resolved Question: Do you know an easy way to accept credit cards in the Philippines?

Hi, I am about to start a travel website and would like to be able to accept credit cards. Because the number of transactions will first be low I though about offline credit card (getting a credit card machine and entering the transactions one by one into it). Will a bank allow me to do it? Will I be able to get a credit card terminal to charge both in PHP and USD? Otherwise I though about online credit card processing but: - Asiapay need the business to be at least 2 years old - BDO asks for a USD10000 deposit Do you know if any company will offer better terms? more

Resolved Question: How do i stop getting arrested for matters that have already been taken care of or never even happened?...?

two different times in my life i have been arrested for something that was taken care of our never happened at all...9 years ago i was arrested on a traffic stop because i had a warrant for not vaccinating my dog and dog at large from 6 years earlier...the warrant was from a town i had lived in years before and was 3 hours away...i still had proof of the dog's vaccination, license, and i had never gotten a ticket for "dog at large"...i had to spend the whole night in jail and the next day i was bonded out for $160...i had to go to my old town 3 times to go to court to fix this even though i had the proof that the dog had always been legal...2 days ago i was arrested when coming back into the united states after a business trip...i was arrested right at the airport right in front of 6 of my business prospects whom i had been trying to "impress"...i was arrested for a warrant for a dui i had 21 years prior...i had done everything i had to and had cleared that legal issue up completely over 2 decades ago...i had paid all the fines, went to classes and even did community service...i learned my lesson and do not even have a sip of alcohol and drive anymore...i was cuffed and taken to the police station...i was only allowed to make one local phone call...(i knew no one localy as i was in florida and i live across the country)...luckily my business contacts were able to gather up the $3,000 bail and get me out...(they weren't allowed to use credit or bank cards to bail me out)...needless to say i am humiliated and confused, but at least my contacts are not holding this against me...now i will have to travel across the country to take care of a matter once again that has been taken care of...(now i am in the process of working with my lawyer that handled my dui 21 years ago to prove that it was taken care of...)...this matter will no doubt cost me 10-20 grand to finally resolve...(the lawyer and i do have the proof that everything was taken care of)...how can all of these things happen to me?...i live a clean life, pay taxes, and don't do anything wrong...i have been able to get drivers licenses, passports, and security clearances the past 2 decades (all from the state i live in and of course i don't have another "identity")...how does a citizen stop the bullcrap of having arrest warrants issued for things that never happened or that have been taken care of even 2 decades before?...is this a "scam" by the government or law enforcement to gain more revenue from the public?...this just does not seem right!!!...oh...is there a possibility that law enforcement agencies or towns are "making up" or saying that people didn't pay fines so that they can create more revenue?...it really doesn't sound that "crazy" in today economic environment...to the first answer-bill, you are an idiot...top contributer...what the hell do you do...give short answers just so that you can build up your points...if you took the time to read what i wrote you would have seen that the dog ticket arrest was bullcrap...so you are saying that if i made a mistake and got a dui 21 years ago and took care of it and have not had even as much as a traffic ticket since i should be taken into custody two decades later?...is that to teach me a lesson i learned 21 years earlier...why the heck do people give smart alack comments on here...it really is not funny or cute at all...we as citizens should be scared if the govt or law officials can make up charges, or re arrest you for something that has been taken care of... more

Resolved Question: How do I become a credit card processing company?

I have been trying to find out how to open a credit card processing business. I'm in the wholesale business for gas stations and smoke shops and can get alot of my customers to switch their credit card processing to me but I cant find out how to start this business. Please help. more

Voting Question: dishnetwork programming offer scam ?

I was contacted by an agent introduced him self as calling from dishnetwork to offer me programming package. I didn't accept the offer; I told him I am already having programming with dishnetwork. He insisted that he can even save me more with my current programming. He asked me to provide my dishnetwork account number to be able to lookup my account. I gave it to him, he then asked me to call me back in 5 minutes to tell me what exactly how much saving I will get compared to my current account. Five minutes later, he called me back, he has all my programming info already, he reiterated his offer by which I'll get free DVR, free HD programming for 6 months, free installations and with the same programming package I already have, I'll be saving five dollars of my monthly bill. I accepted the offer, sounds good so far! He told me the only way to get the offer is to set it up a new account, when I hesitated since I don't know the consequences on my existing programming or if there will be any interruption, he mentioned that nothing to worry and everything will go smooth. I said OK, then he asked for a credit card info, I questioned him on that, he said for setting up an account, they will typically put one ($1) on hold and will returned back within 1 business day. Since I remember that this was the procedure when I first setup my account, then I gave it to him. After he processed the transaction, he asked for the account setup information, I started giving him name, address, ..etc. He told me that to be able to get that offer; I should provide him with another name, since this offer is not valid for existing dishnetwork customers! WHATTTTT! I told him that you already know that I am a dishnetwork customer, you contacted me from that prospective, you managed to pull my existing programming, and then you know that I am a customer, what a waste of time. He asked me to provide a friend's name or any other person's name and SSN, etc. I decided to finish the call and told him that I'm not interested. He told me to wait; he'll try get around this. I asked how, he quickly said, not to worry, and with a lowered voice I think he said something like he'll punch a name for a friend of him and will switch it later to my name. I said I don't understand what are you saying. He interrupted me by saying congratulations! The application went through; you'll be contacted by dish network within few days for installations. (I wasn't comfortable with that but since I didn't give any more information at that point, waited to see) Couple of days later, I noticed a transaction made from my bank account by the amount of $9.98 by "VMC satellite (not dishnetwork)" and hasn't returned back. It's been a week and nobody called. I called that representative on the phone he gave me. Looked like was a cell phone or so, he answered the phone "same person". I was angry and, he asked for name to look my account up. Then he said, there's no way to look me up since I'm already a dishnetwork customer and not on their system, therefore he can't do anything for me. (At that point I remembered the friend's name thing that he whispered). I told him I don't know what you did, but I need my money. He said the best is to wait few days and the transaction should be reversed back automatically. I called VMC satellite; they don't know a person with that name. I'm confused, a transaction was made by that company, then this person should be affiliated with them some how. He also provided a valid phone number to contact him, if it was a scam, I don't think he'll be providing any true information. There's more than money that I'm concerned about, it's how my personal information and SSN, which was collected by him are used! Should I call the police to locate that person? dishnetwork, or what is the proper place to complain at since I know at least the phone number of the person (assuming his name is incorrect) or what should I do?I requested an investigation from my bank. They provided the phone number of the merchant as: 703 636 4600 Do a google search and you'll be surprised. I'm just wondering how thos guys are still on business after all these reports about them? more