My Sister went to work at the bank that I have an account with found out my account information and

her advantage. She convinced my Mother that had a stroke to take me off her Will after she meaning my Mother had a stroke. I had no idea my Sister went to work at my Bank she did it after she stopped talking to me. who is to blame and do you think I have a law case against my bank for not keeping my information private? This would maybe be a law question about banks credit unions .

My Sister went to work at the bank that I have an account with found out my account information and used it to

It sounds like your sister abused her privilege. You should talk to the bank manager first and explain the situation. He will probably fire her. That%26#039;s pretty serious. I used to work for a bank.

My Sister went to work at the bank that I have an account with found out my account information and used it to

Yes you do and a case against your sister!

My Sister went to work at the bank that I have an account with found out my account information and used it to

I would certainly think that you DO have a case.. But be prepared to GET that case you will have to press charges against your sister and she will be responsible for her actions. Otherwise you don%26#039;t have a case against the bank.

My Sister went to work at the bank that I have an account with found out my account information and used it to

The financial institution is responsible for all their employees. I don%26#039;t know if the fact she%26#039;s your sister would have any bearing on this or not, but I certainly would pursue this by talking with a legal adviser.

My Sister went to work at the bank that I have an account with found out my account information and used it to

Your sister will be fired and probably go to jail. What she did was both illegal and unethical. The bank might be held liable, but probably not, since she worked there. They had no idea what she was going to do with the information. So if you pursue it, be preparedto take your sister down, since she%26#039;s really the one at fault.

My Sister went to work at the bank that I have an account with found out my account information and used it to

Suing the bank would be counterproductive. They%26#039;ll lawyer up and win. You%26#039;d be better off getting a lawyer, making an effort to get the bank to work with you, and get your sister fired. Bankers kinda need to see accounts to do their jobs, but your sister definately violated bank policy if she took your information and showed it to a third party, that being your mom.

My Sister went to work at the bank that I have an account with found out my account information and used it to

this is a matter for the police... i doubt the bank could be held liable...

My Sister went to work at the bank that I have an account with found out my account information and used it to

If your moms stroke rendered her unable to make decisions then any will could be challenged.

Also please contact the bank- THEY have a problem.

My Sister went to work at the bank that I have an account with found out my account information and used it to

First, decide how far you want to take this.

I would go to the bank manager and explain what has taken place (preferrably on a day when your sis is not there).

Ask him what course of action he plans to take.

Is it enough if she gets fired?? She will find it hard to find a new job.

If it isn%26#039;t enough after that, see about taking legal action.

However, be careful when doing this as once family finds out, you may be hearing from more than just your sister.

Good Luck.

My Sister went to work at the bank that I have an account with found out my account information and used it to

First of all, employees are told that any and all information on customers is completely confidential and not to be discussed with ANYONE except between employees of the bank within the bank setting. Your sister had to know this. She has absolutely had NO right whatsoever to do what she did to you. However, what you do all depends on how you feel about your sister. Are you prepared to press charges on your sister and possibly get her fired? I don%26#039;t believe you have a lawsuit against the bank. The bank cannot %26quot;babysit%26quot; all of their employees to keep them from devulging confidential information. Your sister was trusted as an employee to not do that when she was hired. It%26#039;s hard to say if you have a absolute lawsuit unless you see an attorney first because there has to be alot of things proven in order to find someone guilty of what you are saying she is guilty of. By your sister working for the same bank as you did she has access to your information and that is not the fault of the bank. All you can do is go to an attorney and have him/her inform you of what you can do. Good luck, hope it goes your way.

My Sister went to work at the bank that I have an account with found out my account information and used it to

I worked for a bank for 6 years and as an employee you need access to customers account in order to do you job... That being said you sister also signed and agreement with the bank to protect her customers information. You had a right to that privacy, and your sister was unethical. But I do not think the bank was at fault here, and I dont think a judge will either. If you have your lawyer contact the bank she works for she may be fired and also they might turn this info over to the police to help you build a case against her... But how did she use your info to her advantage, I dont get it?? Do you mean she saw you had a huge balance and told your mom you didnt need the money, because you have enough? If so then she was wrong but I dont know that she broke the law. Maybe you should sit down with your family (all of you together at once) and hash this all out with a mediator.

Where/How Can I take over Car Loan, bankruptcy foreclosure Assuming I have $$, and will cover 100% o

Where on internet can I find info from Banks or Credit Unions, that have a list of Car Loans that buyer was not able to cover 100% so bank had to take over, the bank want $$ back NOT the Car, so the bank either puts cars on auction or for sale for the Difference to recover the $! For example New car $ 20K 2K down 4K paid but 14 K + interest the person for some reason stop paying, so bank took over payment and took the car from the Person! NOW WHERE CAN I find this kind of unsuccessful Car Loans, bankruptcy %26amp; foreclosure?

Where/How Can I take over Car Loan, bankruptcy foreclosure Assuming I have $$, and will cover 100% of the loan

Ok, read it again and I think I may have deciphered it this time.

It%26#039;s called any used car lot in your neighborhood or Carmax.com or about a million other places that sell used cars. Or try Copart, they are an auto auction company.

http://www.copart.com

Where/How Can I take over Car Loan, bankruptcy foreclosure Assuming I have $$, and will cover 100% of the loan

In your sitation,I would like to suggest you have a look here.http://carloan.featured-resources.info/c...

Who is best to get a home mortgage through?

Would it be best to go through banks, credit unions or other lenders that mortgage brokers might suggest? What are competible and reasonable mortgage rates? Is 6.25% legit for an first offer or should I definitely keep looking?

Who is best to get a home mortgage through?

As of today%26#039;s rates, depending on where you%26#039;re buying and how much you%26#039;re financing, 6.25% is dead-on for the 30 year fixed mortgages today. Assuming no more than 1% origination fee and other costs being reasonable.

I never discourage my clients from getting other offers. You should always talk to a couple places, I%26#039;d recommend 1-2 brokers, 1-2 banks, and try the credit union too. In my experience, credit unions have decent rates and low costs. Banks have higher rates and average costs. Brokers will come in on both sides, depending on who you find. Theoretically, a broker should be able to get you the best deal. In practice, not always the case.

But it doesn%26#039;t sound at all like you%26#039;re getting screwed or taken advantage of, again assuming that%26#039;s 6.25% 30 year fixed with reasonable costs.

Who is best to get a home mortgage through?

All banks just about offer the same products and loan programs with the different qualifications in each of their programs.

Your interest rate is based on your credit score and how well you have paid your consumer debt over time.

In order to find out the type of loan programs you are qualified for you will have to fill out a loan application, with a mortgage broker, which you can find one in your local telephone book.

He will fill out this application, which takes awhile so grab your favorite beverage and sit down. Once you have completed the application, he will run your credit report which will have your credit scores. These credit scores will determine your interest rate.

The amount of your monthly debt payments you are required to pay as per your credit report and the amount of mortgage you can take on based on your income will determine the amount of house you will be able to purchase.

When you speak with the mortgage broker you will need the following documents to complete the loan application

#1 One month of pay stubs for each person that will be on the mortgage.

#2 Six months bank statements from each bank in which you bank as well as statements from any 401K from you place of employment.

#3 Two years of federal income tax along with the W-2 that match.

Once he has all that he need to do he can then issue you a pre-approval letter so you can purchase a home.

In this pre-approval letter will be the amount of house you are qualified to purchased.

Once he gives you this pre-approval you may now find a real estate agent to find yourself a home or he might have a referral.

Once you have found a home the real estate agent will then prepare a contract for you and the seller to sign.

Your mortgage broker will now order an appraisal to show proof of the property value.

The mortgage broker might ask for additional information or documentation, don%26#039;t get all up tight this is normal, just supply the information or find the documents needed.

After the appraisal has been completed you will be called by your mortgage broker to sign your loan docs so you can take possession of your new home.

I this has been of some use to you, good luck

%26quot;FIGHT ON%26quot;

Who is best to get a home mortgage through?

go to lending tree.com and lower my bills.com they match u up to 5 different lenders best for you. banks are not that good. mortgage brokers are better because they are connested to over 100 banks to find the best one for u. then compare which one u like better. and always ask for a good faith estimate, they will send you the monthly payments so u see how much it is. some lenders say one thing, but switch ur terms when u sign, and u signed up for something more expensive. some lenders already got caught doing that. but if u have the good faith estimate, and they switch ur terms, u can sue them. they even do it when u try to refinance. it was on the news a few days ago. make sure they are with the better business buruea

and it depends on ur credit score, and ur debt to income ratio and ur job for a interest rate. if u have low debt, a high credit score, you can get 6%. if u buy points you can get 5%.

if u have a high credit score, you dont need to state ur income.

Who is best to get a home mortgage through?

My personal preference is with the banks. If you pick the larger and more stable ones, then you will generally be looked after.

Mortgage Brokers can be good, but be careful and make sure you find out what their fees are and how they are being paid.

If you are new to mortgages, make sure you are aware that loads of banks and lenders make mistakes in their ongoing interest calculations. We all spend so much time looking for the best rate up front, and then just forget about our mortgages once we sign up.

You can use a spreadsheet to track your mortgage and check your statements, or download one of the better mortgagr software packages out there. It could save you thousands.

Who is best to get a home mortgage through?

A couple additional points to keep in mind as you consider the information above:

Sometimes a broker will get a better payment, sometimes a banker. Shop all types of lenders and see which comes out best for you.

While everyone has access to the same programs, there is something called a yield spread that nobody is going to tell you about. Basically, the yield spread is how much the loan originator makes on the back end when your loan is closed/sold. The higher the rate the originator can get you to take, the higher the yield spread and the more money the originator pockets. It%26#039;s basically a game - the originator needs to guess what%26#039;s the highest rate you%26#039;ll accept so as to make the most money. Letting everyone know you are actively comparing offers will help you get the lowest rate.

And another factor in determining your rate is how much money you are putting into the transaction. If you are talking 100% financing, the rate you are quoted is actually decent. But remember, it%26#039;s not all about the rate. There are fees, too. A low rate with high fees can be worse than a higher rate with no fees. You need to see the complete deal to make your decision.

Best of luck!

Who is best to get a home mortgage through?

6.125 - 6.25% with 0% origination fee and 0% discount points is good.

Check with the credit unions....since they have low overhead costs, they are usually very competitive when it comes to rates and fees.

============

REPLY TO TOGSHIYOKUNI%26#039;S COMMENTS:

I was one of the guys that threw up a rate, and I take offense to what you just wrote. If you look at the answers I%26#039;ve written over time, then you%26#039;ll know I%26#039;m not a B.S.%26#039;er.

6.25% w/ 0 pts %26amp; 0 origination is not high - even for those with excellent credit. The rates on a 30 yr fixed w/ 0pts, 0 origination on a 1-unit primary residence, with 5% down, and with good credit - 6.125 - 6.250% is the range.

Did I make some assumptions about the borrower? Yes. I assumed he was quoted the 6.25% by a loan officer. He surely didn%26#039;t just pull it out of thin air. I assumed the LO asked him about the property type, his down payment, his credit, etc. Of course, if the parameters change, eg, bad credit, then the rate will be higher.

You then go on to write that 3/27 ARM may get the borrower into the 5s. If it does, then BARELY - more like 5.875% - 6.000%. Are you familiar with the term inverted yield curve?? Also, why take a 3 yr ARM knowing you%26#039;ll have to refi it in 3 yrs when for another 0.125% you could have a 30 yr fixed. With such a small gap, even if the borrowers plans are to sell in 3 years, I%26#039;d still advise against it - as plans often do change.

Who is best to get a home mortgage through?

First and foremost, do not ever trust anyone who will just throw a rate at you. They%26#039;re the type of people that will get you in their camp, get to step 9 of 10, and then surprise you with a higher rate. What you qualify for depends on your total situation, not just your credit score. And what I mean by total situation is credit score, credit depth, debt ratio, reserves, loan-to-value, everything. An accurate rate cannot be found without this information. For someone who has top-notch credit and has all other factors in line with what the bank wants, a 6.25% rate may be high. All things being equal, it will depend on the product you want. A 30-fix may get you 6.25%, but a 3/27 ARM may get you down in the 5s. It all depends.

Who is best to get a home mortgage through?

Depending on your credit score and loan term, you could probably do better. For more information from someone in our loan officer network , fill out the free form at

www.totaldebtsolutionsllc.com

Can someone explain savings certificates to me?

Here are the rates on my credit unions site. I just don%26#039;t understand what they mean.

3-month certificate 4.35%

6-month certificate 5.05%

12-month certificate 5.20%

24-month certificate 5.25%

36-month certificate 5.35%

60-month certificate 5.45%

I would like to put in about 5000 dollars but am not sure what kinda return I get.

Can someone explain savings certificates to me?

The rates shown indicate how much interest you will be paid ( annualized) if you invest for specific periods of time. The longer the term the higher the rate. However, the money is tied up for the time you choose and you have to wait till maturity to be able to access your funds. There are cashable certificates which will pay a lower rate but will not penalize you for withdrawing early if you are unsure of your plans for the money. To determine how much you would get on a simple interest basis, multiply your 5,000 by the rate ( 5000 X 4.35%= 217.50 ) divide the annual amount 217.50 by 12 months= 18.13 and multiply by 3 months- length of term =54.38. If you go into the credit union and ask an investment person, they should be able to answer any questions you have.

Can someone explain savings certificates to me?

The number of months you put your money into a certificate of deposit changes the amount of interest the bank pays you. The longer the money is in the bank the more useful it is to the bank for investments like mortgages or car loans.

Once you put your money in a certificate you cannot get it out until the certificate matures or pay a fee of 20% of the interest if the certificate was held to maturity.

Can someone explain savings certificates to me?

Thats decent but not great rates

Depends on how long you want to keep your $ tied up ( cant take it out before due date w/o a penalty)

If you can.. go with the 60 month

Look around first- I just got a few 13 week ones for 5.15%

Can someone explain savings certificates to me?

No you don%26#039;t want to go with the 60 month. That%26#039;s 5 years!! You don%26#039;t want to tie up your money for 5 years - the interest rate could go up and you%26#039;d be stuck with a lower interest rate. I%26#039;d go with 6-month or 12-month for right now.

Private Lenders = Scam Artists!?

It%26#039;s a shame when you feel so desperate that after being turned down by banks, credit unions, legit loan institutions that you actually think you have a ray of hope with these so-called private lenders. I recently dealt with GA Trust Financial and threw away $500 and you would think I would have learned by now......ok, I did. When I see blogs and postings by individuals like: Chris Peters, Oliver Jenkins, Richard Walters, Phil Moor, Lomax Milton all saying the same thing: %26#039;you have been approved for a loan%26#039; I%26#039;m like %26#039;What?! - I traded emails with all of these individuals you know what? They have a lot in common: yahoo email accounts, numerous typos in their email, request for a insurance and/or transfer and/or security fee so the loan can be insured/secured, blah, blah. Sounds too good to be true? Because it is! It%26#039;s a shame you have individuals that feed off misleading folks and taking their money. It happened to me once, it%26#039;s not going to happen to me again. Lesson learned.

Private Lenders = Scam Artists!?

Private lenders do not equal scam artists, you dealt with scam artists that were pretending to be private lenders.

Private Lenders = Scam Artists!?

You can get a legitamate private loan at prosper.com.

Private Lenders = Scam Artists!?

I agree with you. That is why I got a mortgage from my own company. Hope your credit improves so that you won%26#039;t trip up on these scammers, and can go to a real company like mine. www.debjim.com- you can join us and learn about what is true or not.

Private Lenders = Scam Artists!?

You have abundantly answered your own question. Email offers are always a scam in one form or another, as you had to find out the hard way.

Private Lenders = Scam Artists!?

anyone asking for money upfront is a scam, you should never have to give money to receive money. Please be carefull

10 out of 60?

1: The two main Ingredients of the U.S. Economy are:

natural resources and land

land and labor

natural resources and labor

land and money

2: The gross domestic product measures the total _____ of goods and services in a given year.

sale

output

profit

import

3: The American free enterprise system emphasizes:

public ownership

private ownership

both public and private ownership

not enough information

4: _______, the benefit from printing money.

Sovereignty

Seignorage

Seniority

None of the above

5: A policy is referred to as _______ if it reduces the size of the money supply or raises the interest rate. An _______ policy increases the size of the money supply, or decreases the interest rate.

contractionary, expansionary

expansionary, contractionary

fiscal, monetary

monetary, fiscal

6: During the 1870-1920 period the industrialized nations set up _______, with one of the last being the Federal Reserve in 1913.

credit unions

gold reserves

central banking systems

private banking systems

7: When used as part of a commodity money system, which of the following is not a function of paper currency?

to reduce the danger of transporting gold

to reduce the possibility of debasement of coins

to avoid the reduction in circulating medium to hoarding and losses

to avoid the decrease in value of precious stones

8: The gold standard, in theory, limits the power of governments to cause _______ by excessive issue of paper currency.

price inflation

unemployment

wealth and poverty

stagflation

9: The Mundell-Fleming Model describes the behavior of ______ under a gold standard.

the economy

stocks and bonds

currencies

all of the above

10: Approximately ____ of all above-ground gold is held in reserves by central banks.

10%

25%

50%

85%

10 out of 60?

1: The two main Ingredients of the U.S. Economy are:

natural resources and labor

2: The gross domestic product measures the total _____ of goods and services in a given year.

output

3: The American free enterprise system emphasizes:

private ownership

4: _______, the benefit from printing money.

Seignorage

5: A policy is referred to as _______ if it reduces the size of the money supply or raises the interest rate. An _______ policy increases the size of the money supply, or decreases the interest rate.

contractionary, expansionary

6: During the 1870-1920 period the industrialized nations set up _______, with one of the last being the Federal Reserve in 1913.

central banking systems

7: When used as part of a commodity money system, which of the following is not a function of paper currency?

to avoid the decrease in value of precious stones

8: The gold standard, in theory, limits the power of governments to cause _______ by excessive issue of paper currency.

price inflation

9: The Mundell-Fleming Model describes the behavior of ______ under a gold standard.

all of the above

10: Approximately ____ of all above-ground gold is held in reserves by central banks.

10%

10 out of 60?

This forum is not a good way to get people to do your homework. In my view, you would have better success in getting help, if you asked specific questions about things that you don%26#039;t understand.

10 out of 60?

I%26#039;ve done quite enough of your homework... get to work on choosing best answers for your questions then maybe someone will be interested in helping you out. If you keep this up in this section you%26#039;ll likely find yourself banned and then you%26#039;ll be stuck doing it yourself. I am quite happy that you are out of points... thankfully we can get to something else.

Who can certify my Treasury direct authorization form?

Acceptable certifying individuals include authorized employees of insured depository institutions and corperate central credit unions. Certification by a notary public is NOT acceptable.

I%26#039;m trying to open a Treasury direct account and I received an e-mail saying I have to mail in a form verifying my identity. Who is an acceptable certifying individual?

Thanks!

Robert

Who can certify my Treasury direct authorization form?

I have an Treasury Direct account and I just used my social security number to confirm my identity. Now of days SSN is needed to open bank accounts I guess.

Is it only Bank of America that routinely blows off their customers?

When I email about a discrepency in account balances, BOA seems to routinely blow off every complaint. They keep replying with a form letter stating that their numbers are correct, the over-balance fee will unfortunately not be refunded and that they appreciate my business, ......even when my question had nothing to do with an overdraft %26amp; my account didn%26#039;t overdraft. I%26#039;ve reiterrated that, and they%26#039;ve resent the same absurd email. They keep messing up my account balances, can%26#039;t tell me how they got their #%26#039;s and can%26#039;t explain when or where a debit was supposedly made by me for %26quot; %26#039;X%26#039; amount of dollars.%26quot; They don%26#039;t have a clue. They just want me, the customer they %26quot;serve%26quot; to know they are taking my $$ and are right because they say so. Is this common for every bank? Are credit unions or savings %26amp; loans any better in customer service? I told BOA this has happened too much and they should see if someone has their hand in the electronic till, there, but they don%26#039;t seem to get it.

Is it only Bank of America that routinely blows off their customers?

they seem like assholes. i%26#039;ve had bank of the west for 3 years and they have never made a mistake and never blew me off or anything.

i%26#039;d change banks, they should value your service if they dont f%26amp;ck them and leave.

Is it only Bank of America that routinely blows off their customers?

I always call them instead of email...but when the supervisor...disconnected my call, I took my business to wachovia.

Credit unions are great too.

Is it only Bank of America that routinely blows off their customers?

This has to be the gol dingdest dumbest bank in all of America and America should take it%26#039;s name off the label! They employ people without college educations. I should know, I used to date one of them! Take your money out. Take it out NOW! Put it in a bank that doesn%26#039;t exploit our beautiful American name!

Is it only Bank of America that routinely blows off their customers?

simple. get a different bank.

Is it only Bank of America that routinely blows off their customers?

Wells Fargo is the same way. They %26quot;lost%26quot; $400 from my friend%26#039;s account. I have had similar problems so I switched to a credit union. I do seem to get much much better service at the Credit Union that I am at than any other bank.

Is it only Bank of America that routinely blows off their customers?

i hate bank of americaaa i suggest you to choose a different bank they charged me with lots of overdraft fees... and it was their mistake... you would think they would put the money back.... and apologize... well they said it was too late :S they didnt give a F** .... really bad customer service!

Is it only Bank of America that routinely blows off their customers?

They are the worst about it. Did you call their customer service number that hangs up on you? That is my personal favorite.

No, not every bank is like that--and it sucks that so many people put up with BoA%26#039;s behavior. I suggest you take your cash and your credit elsewhere.

I belong to a credit union and they have excellent customer service and do not have a business strategy of squeezing some extra interest dollars from their customer base by having lags in deposits and other payment transactions. I know it%26#039;s only a penny or two from your account, but the interest they earn in those lags multiplied by their customer base may amount to some serious cash.

I feel your pain!!!

Is it only Bank of America that routinely blows off their customers?

The people (or maybe robots) who reply to e-mails do not read the e-mails so it%26#039;s pointless to try to reach them that way. I call them now. They are open 24/7 so call them just before you go to bed and you will get a human and an answer. If you get tripped up in the phone tree, hit %26quot;0%26quot; and it will transfer you to a human.

Good luck on your long and winding journey ....

-MM

Is it only Bank of America that routinely blows off their customers?

Stop trying to do it by email. Call them, write them a letter, or go into a bank branch and don%26#039;t leave until they deal with you.

If nothing works, you can file a consumer complaint with the Comptroller of the Currency, which is the agency in the Treasury Department that regulates national banks.

Is it only Bank of America that routinely blows off their customers?

I deposited a check once and online it showed on the account so I paid my bills and stuff and each thing I paid they charged me an overdraft fee because they said it was not posted yet and I said well cancel my account then and they actually would rather have lost a customer then listen to the problem. Wachovia is better

Is it only Bank of America that routinely blows off their customers?

Yeah bank of america can be pretty sucky. I%26#039;ve been a customer since they bought out one of the smaller branches. I%26#039;m in the process switching to another bank...

Is it only Bank of America that routinely blows off their customers?

Funny how I%26#039;ve never had an issue with them.

Tellers/employees are generally pleasant.

When I call them, they are pretty helpful.

Stop wasting your time by emailing them.

Stop by a branch and speak to a manager.

Is it only Bank of America that routinely blows off their customers?

I strongly recommend that you move your business to a small local bank. Because of their size, small locals must be responsive and helpful, otherwise they%26#039;ll be out of business. Unfortunately, their rates/terms are a bit less competitive than BofA, Citi, etc, but sometimes you get what you pay for.

Is it only Bank of America that routinely blows off their customers?

B of A has the approach that customer service issues can be solved by calling a bored CSR in a call center. They can%26#039;t.

Transfer over to Wachovia or Chase and find a local branch with a customer service representative (not teller) or assistant manager that will research the balance for you, preferably in a high net income market that isn%26#039;t terribly busy.

I don%26#039;t have an experience with Credit Unions since I have worked for a bank over ten years. It is more of an issue with not getting your case transferred to someone who has enough experience and critical thinking skills to write a spreadsheet and letter that explains your balance. All debits and credits also have codes that explain if they were for a fee, check, ATM, or other transaction.

Although you state no overdraft happened, It sounds like you may have been hit with daily and then weekly ODP fees if you initially had no overdraft linked account and then didn%26#039;t pay it back within a week, or have exceeded the linked amount in your savings account. If the fee was for something else, then someone in your frustrating attempts at getting this resolved would have mentioned returned check, check printing, foreign currency conversion charge, etc.

Hypothetical charges:

$29 for initial overdraft with no linked account

$6 if linked to overdraft account with balance to transfer

$11 charge if the balance is negative for 7 days

$3 charge per day of negative balance

Another possibility is that your account was not actually linked to an overdraft account like it should be. A linked credit card eliminates everything but the small initial fee because the limit is higher than many savings balances.

Monitoring your account on the internet along with using a Quicken or Money program also helps. I also pay all my bills online and have only an ATM card because the dispute rights of a debit card do not have the same government protection, especially if lost or stolen.

If you note just how the debit is listed on your statement, we can probably determine the cause.

I need a good bank, I hate Bank of America...?

I hate Bank of America, the fees are ridiculous, in fact, I hate banks period. Does anyone know of a good bank, how is Suntrust, or Regions, or US Bank? What do you think of credit unions or things like that.

I need a good bank, I hate Bank of America...?

BOA is a really good bank. I have a checking account, credit card though them for 10 years so far. BOA is a big bank and banks make money only one way though fees. Considering they are offering free checking accounts with free billpay as a drawback you are hit up with fees. I%26#039;ve never paid a fee for 3 years so far. That is because YOU FOLLOW THE RULES AND READ THE SMALL PRINT. A stupid customer is the best customer. If everyone was smart BOA would be out of buiness. If you don%26#039;t want fees go with a credit union at your employeer or small bank/online bank. They charge little to no fees due to low overhead but the convience is gone. Less ATMS, blackouts etc....

P.S. I have my savings account though ING direct. They have probably the highest savings next to emmigrant direct. Countrywide has I belive 5.25% for mortgage holders. I don%26#039;t want to go there because you have to maintain 10K an I don%26#039;t know if any emergency may pop up...

I need a good bank, I hate Bank of America...?

incorrect

Banks make the great majority of their money from loans not miscelenious fees. The problem is that when a company such as BoA or even McDonalds for example, gets too big then they no longer have to care about customer service...they are too busy drowning in money. Report It

I need a good bank, I hate Bank of America...?

Anywhere but boa,I did a charge card transaction and they showed it as a debit,when I proved the business did it as a charge card boa still refuses to correct it. Report It

I need a good bank, I hate Bank of America...?

Credit Union, definitely. They are member-friendly and not for profit!

I need a good bank, I hate Bank of America...?

credit unions are the best. i was the same as you and a co-worker got me to open an account with eastern financial credit union of florida. it is awesome. the checking account is free and u dont have to open with as little as $5.00. they offer saving accounts, checking, christmas club, vacation club, the interest rates are great. once you have been a member for a while, they offer great loans offers.

they are totally worth it. and they also have bill pay, online free checking and banking.

I need a good bank, I hate Bank of America...?

Every bank has its faults, write down what you want or are looking for in a bank. Go in and talk to them. See what they have to say, also tell them of your concerns.

No one has a perfect bank. Maybe attend a financial education class in your area to help you manage your accounts and give you helpful insight.

I need a good bank, I hate Bank of America...?

Citizens bank they have great hours and they are allways willing to help!!

I need a good bank, I hate Bank of America...?

Wachovia is a good bank. Federal credit unions are good too.

I need a good bank, I hate Bank of America...?

go for a local bank

I need a good bank, I hate Bank of America...?

Try your local credit union. You don%26#039;t have to be a member of a union to join one.

I need a good bank, I hate Bank of America...?

I bank at US Bank and like it so far- i would go have a meeting with one of their personal bankers and have a list of questions ready to ask. I have heard good things about credit unions too though

I need a good bank, I hate Bank of America...?

Credit Unions 100%.

They are definitely client friendly, do not rake you over the coals with charges and are willing %26quot;understand%26quot; situations much more readily than FOR PROFIT banks.

If you qualify for a Credit Union... do it... NO QUESTION!

I need a good bank, I hate Bank of America...?

I%26#039;ve been banking at various banks for 20 years and have NEVER paid any fees. Why? I don%26#039;t bounce checks, use another bank%26#039;s ATM, and always pay on time. One more thing, if you use a debit card you have to know what your checking account balance is on a daily basis so you don%26#039;t get slapped with fees. Forgo the debit card and use a credit card instead. You%26#039;ll get one monthly statement on all your purchases and then pay it all off every month.

One more item, if you travel a lot, BofA has ATMs across the US. If you use a local bank or credit union, you%26#039;ll pay fees when you use another bank%26#039;s ATM.

I need a good bank, I hate Bank of America...?

me too.....I love Washington Mutual. Credit Unions are the best. Stay away from Wells Fargo, they are as bad as B of A!

I need a good bank, I hate Bank of America...?

There are ways you can avoid charges at Bank of America, but you need to ask instead of getting mad at them. They are like one of the worlds largest banks, they must be doing something right! What fees are you referring to, they have options for free checking accounts, if you are getting bounced check fees, that is your fault not the banks, I think their fees are right there with other banks, you have to remain competitive. If you are looking for convenience, you can%26#039;t get more convenient than Bank of America. they have ATMs every where, where are the ATMs for a local bank or credit union if you travel to the next city?

Any other fees that you may be charged are all in the brochure they give you when you open you account, you just have to read it. No one to blame but yourself if you don%26#039;t. Any bank or credit union you go to will have fees, no matter what, if you don%26#039;t ask or don%26#039;t read disclosures you will never be happy at any bank or credit union.

Your best option is a Serta!

Has anyone seen - www.bankerspank.com - very funny?

I saw it at AddisonAvenue.com where I got a free checking account. Are all credit unions not-for-profit?

Has anyone seen - www.bankerspank.com - very funny?

Hi~

Yes, all credit unions are not-for-profit. That%26#039;s what makes them unique and better than a bank as far as rates and service. Account holders are member owners of credit unions. Banks just want to make profits for their shareholders. Profits from credit unions go back to their member owners in the form of dividends, higher rates on savings, and lower rates on loans.

Has anyone seen - www.bankerspank.com - very funny?

Those are cute commercials, I like that!

Yes, all credit unions are nonprofit

Has anyone seen - www.bankerspank.com - very funny?

Nope,haven%26#039;t seen it.

Bank fee frustration - why do we persist with them?

With the increase in fees and charges being charged by the big banks and even building societies - why is that more people don%26#039;t take advantage of credit unions with their community minded and low fee culture? Is it a matter of a lack of understanding or lack of confidence in the security of the product?

Bank fee frustration - why do we persist with them?

i think it has to do with the ease and convenience of having an ANZ, CBA, NAB, or Westpac ATM on location when out and about. It%26#039;s a little harder to find the service you want at an impulsive moment when dealing with the smaller financial institutions.

I was trying to keep the money under my bed but i was having trouble with the big lump on one side, it was making me roll over and ending up on top of the misses, she thinks i was trying to get a bit in the middle of the night...... damn its tough having all that money........

Bank fee frustration - why do we persist with them?

There aren%26#039;t enough of credit unions in proximity to people and the general have a loss of access to anything but big conglomerate banks. Plus the general public prefers to walk thru life with blinders on

Bank fee frustration - why do we persist with them?

It%26#039;s complacency and ignorance. People just don%26#039;t want to make that effort to find out what the CUs have to offer. Besides, they probably think the CUs don%26#039;t offer the same services that the big banx offer (ATMS all over town) and all that jazz.

my people perish because of ignorance. That%26#039;s what%26#039;s in the bible.

Would you be fearful of investing part of your savings with a well established, old time, well known

a %26quot;mainline Proestant church%26quot; in a %26quot;bank%26quot; that uses the invested money to build new churches or enlarge established churches? This church and %26quot;bank%26quot; have existed for many years, and is highly thought of. The only negative thing, for me, is that the investment is not %26quot;gauranteed by %26quot;the federal government.%26quot; What do you think? Interest paid is about like regular banks or credit unions, perhaps a little higher.

Would you be fearful of investing part of your savings with a well established, old time, well known arm of?

If the interest is about the same between the guaranteed and un-guaranteed investments, I would without question take the guaranteed option. Even if the interest is slightly higher in the unguaranteed option, having that security is worth the reduction in the interest rate.

Would you be fearful of investing part of your savings with a well established, old time, well known arm of?

I suggest you to invest in the Stock Market with the help of a Financial Advisor like myself where you can make 50% in a year instead of 5% a bank typically pays you.

The risk can be limited to just 10% which means you will only lose $1,000.00 in a year if you invest $10,000.00

Can you handle that?

If you need more detailed information about the Stock Market you can drop me a line.

Top 3 Answerer in Business %26amp; Finance. (Vote for me)

Did Donald T. Sterling Corp. proposed a credit line for acqusition of real propertry in Southern Cal

Did he lown tha banks Bank of America, Wacovia, City Bank, and Union Bank money for equity loans?

Did Donald T. Sterling Corp. proposed a credit line for acqusition of real propertry in Southern Calfornia?

the first commentor hit it on the head....he%26#039;s a CROOK!

Here is some good reading:

http://www.quixo.com/donald_t_sterling_g...

Did Donald T. Sterling Corp. proposed a credit line for acqusition of real propertry in Southern Calfornia?

Yes he sure did.

This guy is a crook, he also owns the LA Clipper Basketball team.

An ____ is an unintended side effect of an action that affects someone not involved in the action.?

a. externality

b. unemployment rate

c. expansion

d. exclusion

_____are low-cost financial institutions open only to workers of the group that sponsor them.

a. Commercial banks

b. Savings and loan associations

c. Credit unions

d. Central banks

An ____ is an unintended side effect of an action that affects someone not involved in the action.?

I%26#039;m not certain but my answers are A)externality %26amp; C) credit unions

An ____ is an unintended side effect of an action that affects someone not involved in the action.?

I am unsure of the first one I would say b but I don%26#039;t know for sure the second I think is C

I am late in an equity line payment .Can my bank freeze my checking account also with them?

Iam trying to make arrangements to bring this loan up tp date.But need time to accumilate the needed funds.Becasue Iam also late in my first mortgage.This is why I have began to think about this.Should I close my checking account and open another one so at least I can other obligations.Or am I safe,is it ilegal for banks to take this action.Because credit unions do this.Iam very concernedmit would not help them or me.

I am late in an equity line payment .Can my bank freeze my checking account also with them?

have you called the mortgage company to explain. Believe me..they will work with you. There are way to many homes going into foreclosure right now. The government has ordered banks to work out plans with people so they can save the loan. The gov. can%26#039;t afford to jump in and head up this foreclosure crisis. They are already hooking up citibank and another lender that is 400 billion in the hole. Call them..explain your situation. great luck to you. Happy Holidays! This is only a speed bump!

Why do people put their money in banks?

I honestly cannot understand why anyone would put their money into a for-profit financial institution. It%26#039;s not like there isn%26#039;t an alternative. Mutuals! In Australia credit unions and some of the building societies are mutuals (I assume most countries have their own equivelants). They make no profits. Why do people stay in the banks as the banks make billions of dollars profit per year? Most of that money is straight out of the pockets of their customers. Whereas the mutuals, all the %26quot;profit%26quot; goes straight back to members (customers) in the form of more services, lower fees, etc.

So why? Please help me understand.

Why do people put their money in banks?

I think in the beginning most people used banks for the safety and protection of their money, and for what little interest they offered. At the time banks were about the only well known option that allow easy access to your funds. However, now many other options exist that allows equal protection, and more opportunities for greater investment (interest, etc) GOOD QUESTION

Why do people put their money in banks?

I spend less when I put it in the bank. It doesn%26#039;t burn a hole in my pocket that way.

Why do people put their money in banks?

In the USA, most credit unions only offer their memberships to people involved with certain organizations or companies. Not everyone has affiliation with a company that provides membership.

Why do people put their money in banks?

BANKS have been around for 300 years!

Check out Encarta.com %26quot;BANKS%26quot;

Why? Do people deposit money into Banks and Credit Unions in the United States?

Because moeny is safer on deposit with an FDIC government insured institution such as a Bank of America, Wells Fargo, Wachovia, JP Morgan Chase, or US Bank among 9,500 other options NOT including Credit Unions which are NON-PROFIT organizations in the US.

Banks pay interest to depositors, banks of the safety and convenience that Consumers and Business Owners and Corporations trust.

Banks also offer investment services, personal trust services, and most of all Consumer, Business, Commercial and Corporate Credit (LOANS) to people to make purchases such as cars, real estate, businesses, homes, etc....

We DON%26#039;T want people to keep their MONE at home and in a mattress for example its NOT safe.

Ture Banks are for PROFIT but they offer many financial services and conveniences such as Credit Cards, Student Loans, Financing, Insurance, Ag Lending, Online Banking, ATMs, Gift Cards, Checks, Money Orders, Wire Transfer Services, Private Banking, International Banking Services, among many more products and services.

The USA was built on economic empowerment, and CAPITALISM.

Banks play a major role in corporate america, mergers and acquisitions, stocks, bonds, corporate financing, Wall Street, etc...

If a mutual goes out of business you loose your money??

If a Bank fails you get your MONEY from the Federal Government in the USA.

Hope this helps you understand our economic system.

More facts can be located at:

www.occ.gov

www.federalreserve.com

www.federalreserve.gov

www.fdic.gov

GOOD DAY MATE! :-)

Why do people put their money in banks?

I have completely free checking plus my balance earns interest so it%26#039;s not costing me much.

Why do people put their money in banks?

People who put money in a bank get interest - the bank PAYS them to keep their money there. Most of the bank%26#039;s profit comes from interest on loans that the bank makes to its customers.

Why do people put their money in banks?

In the US, the equivalent of mutuals are credit unions. I have accounts with both banks and credit unions. I will tend to establish whichever loan or depository relationship benefits me most, i.e., whichever gives me the best interest rate and/or services. Most people are like me, and are going to do whatever is the most self-serving.

It doesn%26#039;t matter to me whether or not the institution makes a profit. However, just because an institution is non-profit does not necessarily mean it offers the best rates and/or services. If that were the case, then banks would promptly go out of business. Banks make a profit, but have to provide services on a competitive basis. Those that are successful find a way to do this.

Note: I%26#039;m a banker (I do construction loans), but yet I do not personally have any accounts with the bank I work for.

Why do people put their money in banks?

Banks generally do not make that much money on fees. They are more interested in getting your cash deposits and making a spread on your money. For example, every dollar you deposit, bank gives you $0.04 as a thank you, while the bank will lend your dollar to others and charge them $0.0825 for every dollar. Hence the spread is $0.0425 on every dollar bank lends. Plus the bank will use a creative way to package your cash and sell it as a derivative in the investment world and make more money.

Your assertion that banks make money is correct. How they make money is arguable. So why not join the gang and buy some shares of the banks you hate the most? That way, you can part-take in the profit.

Why do people put their money in banks?

a lot of people dont know other investment vehicles so just let the money in savings w/c is the lowest . mostly employees 9 to 5 no time to or busy in their job.

How to find a best mortgage lenders, in terms of rate, fee and service?

I am a first time home buyer. I am seeing lot of adv of mortgage lenders in bakerate.com. How do I know those companys are good in terms of rate, fee and service? Is there any review sites? Is there any advantage in getting mortgage loan through reputed banks like wells fargo, chase or bank of america? It seems their rates are higher than Credit Unions. Appreciate, experts answers.

How to find a best mortgage lenders, in terms of rate, fee and service?

check online...easiest way to go...

How to find a best mortgage lenders, in terms of rate, fee and service?

A good mortgage broker will contact at least 3 different lenders to get you the best rate possible find a local one with a good reputation and have them pre approve you make sure they are licensed and bonded good luck!

How to find a best mortgage lenders, in terms of rate, fee and service?

Pay attention to closing costs, rate and APR.

A mortgage broker who tells you there are no closing costs is just pushing up your rate to cover their costs, or including the closing costs in the loan amount.

I have no problem with brokers making money, but we need to understand that they will make money, one way or another.

How to find a best mortgage lenders, in terms of rate, fee and service?

A site that I like quite a bit to follow mortgage information is www.mortgage-x.com. They have terms, graphs and other usefull information.

Different cash loans? please explain?

ok now my mom is arguing that these companies dont operate under the same principle please come up with the reasonably answer so i can show my mother that they all operate under the same pricipal. the companies i am talking about are comanies like %26quot;cash and go%26quot; banks, credit unions, and all forms of financing and loans

please answer me this is there a basic principle to these companies and their various ways of leniding money advancing monye loan money wether it being, 10, 20, 500, 1,000, 50,00 200,000, do they operate in this priciple %26quot;they borrow, then they pay back the money, plus an intrest wether, it coming from a table, apr intrest rate, and all other forms of intrest.%26quot;

basically if all companies are almost the same.

hopefully you guys understand me to end this arguement.

Different cash loans? please explain?

yup, your right, even though places like cash-n-go make you pay more, they are virtually all the same.

Different cash loans? please explain?

Not sure read some finance tips and more on this site

Different cash loans? please explain?

except in the case where the loan has added fees and other %26#039;points%26#039; to increase the yield to investors beyond the stated interest rate. Look for the actual APR in the disclosure documents to include penalties for early repayment.

Different cash loans? please explain?

Try the fact that the interest they charge is outrageous!

For example: You borrow $200.00, and the payback amount is $230.00....do the math. What is the actual interest paid on a loan of $200.00?

Also, if you run into trouble and cannot pay the entire amount, the lender will often allow you to pay the interest on the loan, BUT you do not pay it down like that. They are only going to apply the money you give to the interest on the loan.....the total amount of $230.00 remains due no matter how many times you give them an interest payment!

Say they let you pay the interest five times, on the sixth visit you can pay the entire $230.00...by that time you have paid $180.00 in interest for a $200.00 loan!

Is that reasonable enough for you?

My bank has increased my annual IRA fee from $40 To $75. Are there banks that don't charge annu

Or credit unions with free checking as well. Any feedback

would be greatly appreciated.

My bank has increased my annual IRA fee from $40 To $75. Are there banks that don%26#039;t charge annual IRA fees?

Try a mutual fund company like Vanguard or Fidelity. They don%26#039;t charge annual fees, and you have lots of choices for what to invest in--stocks, mutual funds, money market, conservative, risky, whatever.

My bank has increased my annual IRA fee from $40 To $75. Are there banks that don%26#039;t charge annual IRA fees?

Shop around. I don%26#039;t know if you%26#039;ll find one that is free, but to go from $40 to $75 is a steep increase. What about a 401K from your employer? My employer gives us an annual match that varies year to year depending on how well they do and how good customer satisfaction is. There are both banks and credit unions that offer free checking. Certain rules apply such as age, minimum balance, how many checks you write in a month, having direct deposit. They all have their own rules. Some even pay interest if you keep a certain balance. Good Luck

My bank has increased my annual IRA fee from $40 To $75. Are there banks that don%26#039;t charge annual IRA fees?

If you have a savings account or checking account with the same bank, they usually waive the fees. It depends on how much you have.

Does any one know of any banks in Seattle that sell repo cars?

I already checked most of the credit unions...but their car auction lists are very limited. Has any one here bought a car from a particular bank auction here in Seattle, WA?

Detais appreciated. Thanks.

Does any one know of any banks in Seattle that sell repo cars?

Hi

You can find thousands of different auction and repo cars really cheap in Seattle at http://www.carauctions.co.nr

Hope this helps

Does any one know of any banks in Seattle that sell repo cars?

becu is the only one I know of

Please could you help me find out about first time home buying, and any help out there?

I have recently moved to Sydney Australia, and as with any decent city these days the prospect of getting enough money together to buy a property here is sadly moving further away despite saving up what we thought to be a good deposit. Does anyone know of any alternative ways of getting cash/loans/help/investment other than banks or credit unions? Maybe you know of churches or other benevolant organisations that are able to give a young, hard working family a hand up. We have considered getting a place in need of moderate renovation or improvement in order to get a cheaper place, as we just desperately want to get on the property ladder - do you know where we can get help and advice so as to see all our options?

We are a mum and dad and baby with a modest single income, working our way towards a respectable deposit and don%26#039;t really want to blow a large proportion of this on real estate agents fees and the like if we can help it.

Please could you help me find out about first time home buying, and any help out there?

Wherem ever you choose to look, def. ask them if they offer FHA Loans. Those are loans that are given by the government. Usually cheaper than regular lenders for low income/bad credit families.

Please could you help me find out about first time home buying, and any help out there?

There are some good articles provied here http://forum.dtfinancial.com/index.php?b... Lots of tips and good information.

Please could you help me find out about first time home buying, and any help out there?

You should not blow any of it on Realtor fee, a buyers agent is paid from the seller. so no worries there.

Your first step should be going to www.remax.com and search for a buyers agent in the area of Australia you are thinking of looking. They will be able to help you with all your real estate questions. And remember, their service is free to you.

Good Luck,

RE Agent,

Remax

Please could you help me find out about first time home buying, and any help out there?

Alot of the answer to this is dependant on where you are currently based.

I can give and answer but if you don%26#039;t live in Australia then it won%26#039;t be all that relevant to you.

In Aussie there are a number of options, one being to talk to a company like say Devine who do specials for first home owners regularly.

Here you would also be entitled to the first home owners grant of $7000, if in Victoria you will also get a bonus $3000-$4000 from the state government also.

From a lending point, some of the best products around are the St George products like their 100% product and their 95% product. The interest rate for these is a but higher then the standard rate but it gets you up and going.

If you want anything more specific to Australian states then drop me a line at ojhowden64@yahoo.com.au

I work in the industry and know of a number of companies Aussie wide that may be of help to you.

Does anyone know where I can buty discount tickets for Cedar Point in Sandusky, Ohio?

I am not an AAA member but I was wondering if any grocery stores or credit unions sell them.

Does anyone know where I can buty discount tickets for Cedar Point in Sandusky, Ohio?

I live 15 miles away from Sandusky and they have discount tickets at Discount Drug Mart and Tops. i dont know if they would have discount tickets at the Drug Mart where you live, but you could try.

Does anyone know where I can buty discount tickets for Cedar Point in Sandusky, Ohio?

almost all credit unions do sell discount tickets

Does anyone know where I can buty discount tickets for Cedar Point in Sandusky, Ohio?

credit unions usually sell them

Does anyone know where I can buty discount tickets for Cedar Point in Sandusky, Ohio?

Try the credit union, but believe it or not, ebay has great deals on tickets...or in my town, Speedway gas station give discount tickets... have fun!

Does anyone know where I can buty discount tickets for Cedar Point in Sandusky, Ohio?

I don%26#039;t think Cedar Point offers discount tickets because they are already extremely reasonably priced at $39.95.

Does anyone know where I can buty discount tickets for Cedar Point in Sandusky, Ohio?

Try the Cedar pointe website...they have sales every know and then....Also try ebay.....you can find tickets for anything...CHEAP

Does anyone know where I can buty discount tickets for Cedar Point in Sandusky, Ohio?

no but Cedar Point is the best. It has the best roller coasters!

How much would closing costs be on a 100k condo?

How much do you think closing costs should be on a 1 bed 1 bath condo with 626 sq footage in a nice area. There would be two loans on the condo. 80/20 loan. No PMI. $600 payment per month on the first loan, 6.5% interest.. $180 per month on the second loan. 9% interest. NO MONEY DOWN. Interest only payments. All I want to know is how much do you think closing costs would be? I was quoted around $7,000 for closing costs. If I am putting no money down and paying no PMI....its a good deal. Banks or credit unions have to make money as well as mortgage brokers.

My buddy had almost same exact condo with same scenario EXCEPT....he purchased with no money down AND paid no closing costs. But he is screwed because he got into a 3/1 ARM teaser rate. His condo payment is $800. It is going to double next year. Mine rate is fixed for ten years. hence I would rather pay $7,000 in closing costs up front rather than being slammed with double payments after ARM adjusts. What do u guys think?

How much would closing costs be on a 100k condo?

I agree that $7000 is outrageous for a $100K loan. You should expect about half of that as a high estimate. The first answerer is incorrect-the seller does not pay the closing costs of your loan. However, when making an offer, it has become common to ask that the seller contribute toward your closing costs. My recommendation would be to ask the seller in the contract to pay $4000 toward closing, and then negotiate from there. Also, if your lender is serious about closing costs being 7%, find another lender .

How much would closing costs be on a 100k condo?

You shouldn%26#039;t have to pay any closing costs. The seller always pays the closing costs. Right now is a good time to buy. You should shop around to different lenders to try to find a better mortgage. It%26#039;s a buyers market so name your price and don%26#039;t rush into buying something unless it%26#039;s a really good deal. They%26#039;re out there.

How much would closing costs be on a 100k condo?

if you are buying via realtor you could have written in your offer seller to pay 4% of your closing costs. that will help. its a buyers market in most states. if you have a good realtor that is successful he/she should know which closing company the best and ask them to give you good rates if he gives them a lot of business they will. always always get a fixed interest you never know whats going to happen work wise but you always know what your mortgage will be.

How much would closing costs be on a 100k condo?

$7k is too much in closing costs. You have a decent deal from your lender but that seems out of line. Some of it depends on where you live as well. Some states have higher closing costs then others. Have you shopped the deal at all?

How much would closing costs be on a 100k condo?

You should aim for 1% fees, 1% for title insurance, and depending on taxes it should be1-2% for escrows/prepaids so 3.5% percent of the loan amount should be closing costs. If the seller does not offer to pay the costs offer him 104,000 and 4000 comes back to you for closing costs- this will give the seller his 100k and allow you not have to come out of pocket to pay for closing!

good luck

Kwilson@acmsmortgage.com

New McAfee virus?!?

I don%26#039;t really use my computer for much, I don%26#039;t open emails I shouldn%26#039;t, I have way too much virus, adaware, and firewall protection. I visit websites I need to (Yahoo! Mail, Yahoo! Answers, my credit unions, and ebay). This morning I got up and started my pc as usual...but it didn%26#039;t start as usual. Once the whole computer had finished loading, McAfee announced with in second that it had downloaded and installed an update...which at the moment seemed kinda weird, but I accepted it. But then Microsoft Vista and McAfee both screamed there was no virus protection...and yet, both of mine were turned on (McAfee is also virus protection on top of ClamWin.) So I restarted like McAfee wanted me to, but the computer got to the part where it loads desktop and it doesn%26#039;t. Just a black screen with the mouse saying it was thinking. Immediatly I figured that there was a virus, and that it was probably busy doing something. I have booted into Safe Mode and am scanning now. Any suggestions?

New McAfee virus?!?

***Just called Mcafee 8-1-07 @ 866-622-3911..They are aware of the issue, go to www.mcafeehelp.com and instructions are there to assist you with your issue ** you are protected**

Sorry the problem is purely McAfee. Both McAfee and Symantec produce software that is a disaster, but have large marketing budgets that push their product. The type of problem you are reporting is well known, worse yet are the interactions with other kernel mode software on Windows. Since both of these companies have code to be sure that their software will not run in the presence of a debugger, the number of bad interactions you will get with this crap is amazing.

Sometimes there are glitches (corrupted files) in the download you received from McAfee, try rebooting in a normal mode and see what happens, then through your McAfee control panel select updates and allow the system to get another update, after a few thousand complaints they learn there was a mistake and usually correct it A.S.A.P. If your McAfee has firewall protection ensure the Windows Firewall is disabled.

For your next AV program I recommend AVG from Grisoft.

New McAfee virus?!?

If you have two or more AntiVirus programs, disable one, because both will conflict and cause problems.

For some reason, I cannot post in the order I want to. (Everything just comes out blank) Please go to the bottom, (after Good Luck!) and start reading, then come back to the top. I am sorry for any inconvenience this causes you.

Try these free malware removers:

I prefer Avast, but AVG is just as great.

AVG AntiVirus

http://free.grisoft.com/doc/1

Avast Home Antivirus

http://www.avast.com/eng/download-avast-...

You may also want some other tools to run and use as well

SpywareBlaster

http://www.download.com/spywareblaster/3...

Spybot S%26amp;D

http://www.safer-networking.org/en/mirro...

AVG AntiSpyware

http://free.grisoft.com/doc/20/lng/us/tp...

Adaware (Lavasoft)

http://www.download.com/ad-aware-2007-fr...

If you are currently having a problem:

鈼?Download and install AVG. Use it first and see if it finds any viruses or trojans.

鈽?http://free.grisoft.com/doc/1

鈼?After running AVG go here and run this virus scanner online. There is no need to install it on your computer.

http://housecall.trendmicro.com/...........

鈼?Microsoft%26#039;s New Live Safety Center. Download this scanner to check and remove spyware, viruses, get rid of obsolete files and junk off your computer, and improve your PCs performance.

鈽?http://safety.live.com/site/en-us/defaul...

鈼?The Microsoft Windows Malicious Software Removal Tool checks computers running Windows XP, Windows 2000, and Windows Server 2003 for infections by specific, prevalent malicious software鈥攊ncluding Blaster, Sasser, and Mydoom鈥攁nd helps remove any infection found. When the detection and removal process is complete, the tool displays a report describing the outcome, including which, if any, malicious software was detected and removed. You can run this tool online FREE.

http://www.microsoft.com/downloads/detai...

鈼?Before downloading email attachments in Gmail and Yahoo Mail click on the link that says, %26quot;Scan With Norton Antivirus%26quot;.

鈼?Before downloading any software from the internet type it into http://groups.google.com/ to see if that title is known for spyware or viruses. Google Groups has over 1 billion posts spanning 25 years to help you. Even after checking it there ALWAYS scan it before opening it. You just can%26#039;t be too careful. -- Smart Computing Magazine

鈼?A lot of the download sites like http://www.download.com/ and http://www.tucows.com/ scan software before releasing it to the public. But just for safety sake you should still scan it yourself.

鈼?Here is a really great article on browser hijacking. This will show you how to get rid of it. There is a tutorial and software to get rid of part of it. You%26#039;ll need to make some changes to your computer%26#039;s registry to get rid of the rest of it. Click on the chatroom link on their main page if you need help.

鈽?http://www.spywareinfo.com/articles/hija...

鈼?Here is Yahoo!%26#039;s Internet Security section.

鈽?http://security.yahoo.com/

鈼?Below is Mcafee%26#039;s Site Adviser. Type in a URL in the form here and you will find out if the site you want to go to is known for phising (getting your personal info under false pretenses), viruses, spyware, and many other things. You can use the tool on their site or download an program to do that.

鈽?http://www.siteadvisor.com/

鈼?Get more information at these PC Magazine Web sites.

鈽?http://www.pcmag.com/

鈽?http://www.smartcomputing.com/

鈼?Top 100 Computer %26amp; Software Magazines.

鈽?http://netvalley.com/top100mag.html........

鈽呪槄 TOOLS FOR SPECIFIC VIRUSES %26amp; TIPS 鈽呪槄

鈼?Sometimes you%26#039;ll get a particularly nasty virus that cannot be removed with conventional tools. For times like these you can (quite often not always) download a removal tool for that specific virus. Below are some sites you should look at.

鈽?http://www.grisoft.com/doc/utilities/ing...

鈽?http://www.symantec.com/security_respons...

鈽?http://www.bitdefender.com/site/download...

鈼?Below is a tool called %26quot;Stinger%26quot; that Mcafee put together with all 54 of it%26#039;s tools in it.

鈽?http://vil.nai.com/vil/stinger/............

鈼?GLOBAL VIRUS ALERT -- The latest virus outbreak alerts from F-Secure, Trend Micro, Panda, and Sophos. Each anti-virus fighter is reporting the state of the Virus Battles on its front, which reflects a unique customer and geographic profile.

鈽?http://www.trimmail.com/news/tools/#glob...

鈼?Add free virus alerts to your web site.

鈽?http://www.trendmicro.com/syndication/vi...

For Trojans try these ( free to try),

http://www.ewido.net/en/

Or

http://www.misec.net/trojanhunter/.........

Or

http://www.agnitum.com/products/tauscan/...

And always scan once a week with these free and trusted scanners as well if you go to gaming sites and porn and etc.

http://housecall.trendmicro.com/...........

http://www.webroot.com/freescan............

http://www.kaspersky.com/virusscanner......

http://www.pandasoftware.com/products/ac...

http://www3.ca.com/securityadvisor/virus...

http://www.bitdefender.com/

First, you need anti-virus software - download, install and update AVG anti-virus (it%26#039;s free for personal use) - you can find it here - http://free.grisoft.com/doc/1

Then remove your System Restore points (viruses love to hide in the System Restore files), but be aware that if you do remove your existing Restore Points you will not be able to %26quot;roll back%26quot; your computer to a previous configuration. To find out how to disable System Restore see this page - http://www.pchell.com/virus/systemrestor...

Just to be sure you don%26#039;t have other malware on your computer I recommend that you download SpyBot Search %26amp; Destroy and Adware - both are free spyware/adware detection and removal software.

Next, start the computer in Safe Mode - (as the comptuer is starting up, keep tapping the F8 key on your keyboard until you see a special start-up menu) - more on how to start in Safe Mode here - http://www.microsoft.com/resources/docum...

Using AVG - run a full system virus scan while in Safe Mode

After the viruses have been detected and removed, run SpyBot and AdAware (full system scans) then restart the comptuer, enable System Restore again and enjoy a virus-free computing experience.

If the problems are still there, try using MSCONFIG to help figure out how to manually disable the Trojan from starting up - see more about MSCONFIG here - http://netsquirrel.com/msconfig/...........

To help protect against malware you should install a firewall, Zone Alarm works perfectly well and is free 鈥?http://www.zonealarm.com/store/content/c...

Also, don%26#039;t forget to keep Windows up-to-date - using Microsoft Windows Update!

After following these instructions go to: http://www.geekstogo.com/forum/must-read... they will help you for free, no credit card or personal information needed, and they will analyze Hijack This logs for you, to make sure that your computer is safe. HijackThis helps If persistent spyware is bogging down your computer, you might need HijackThis. The tiny program examines vulnerable or suspect parts of your system, such as browser helper objects and certain types of Registry keys. Pressing the Scan button generates a log of dozens of items, most of which are just customizations. Don%26#039;t check off an item and hit the Fix checked button unless you%26#039;re sure it%26#039;s malware. Clicking Info on selected item tells you why the entry was flagged as suspicious, but not whether it%26#039;s actually malware. To find that out, search the Web for that item%26#039;s name or go straight to a forum, such as SpywareInfo or Computer Cops. Saving the log creates a text document you can post to these forums.

The latest version adds powerful tools to the Config window. The process manager and hosts file editor help you excise virulent infections. The unique ADS Spy tool scans for alternate data streams, which some browser hijackers use to hide from spyware removers. The program still installs into whatever directory in which you unzip the file, which can make it hard to locate. HijackThis is a serious tool for any user who needs to root out a serious infestation, but wield it with caution. So, go to the site I gave you above, and they%26#039;ll help you step by step.

Free registry cleaners:

CCleaner does not specialise in cleaning the registry, it%26#039;s mostly used to speed up your computer by cleaning up your recycle bin, temp files/internet files, browsing history, application errors, log files and so on.. which frees up some space in your harddisk

I%26#039;ve tried these 10 free cleaners

http://www.regsofts.com/freeware/freereg...

I would recommend the following(click on the webpage and follow):

Free Windows Registry Repair(first one) - rather effective, the first scan i did after about a year showed over 500 problems with the registry, fixed them all

RegSeeker(2nd one) - fixed another 300 problems after using the previous one.

and like the two of them said, Eusing Free Registry Cleaner and Abexo Free Registry Cleaner(30 day trial)

Just run them all that%26#039;ll fix most problems! But dont expect 100% fixes because programs might recreate registry entries when used and so a second scan might still show the same few errors. (ignore such errors)

those are all freeware, hope i%26#039;m of some help

P.S. First go to: http://onecare.live.com/site/en-us/defau... Choose full service scan and let it install any active x components

P.P.S You can only have one AntiVirus program running at once, if you have more you will severely slow down your computer, and possible damage you computer through repeated crashes. It is OK to have several adaware/spyware removal tools. You can have one hardware firewall and one software firewall.

Good Luck!

First update your AntiVirus product. Then boot in safe mode: Getting into Windows Safe Mode

http://www.computerhope.com/issues/chsaf...

To use the System Configuration Utility method

Close all open programs.

Click Start, Run and type MSCONFIG in the box and click OK

The System Configuration Utility appears, On the BOOT.INI tab, Check the %26quot;/SAFEBOOT%26quot; option, and then click OK and Restart your computer when prompted.

The computer restarts in Safe mode.

Perform the troubleshooting steps for which you are using Safe Mode.

When you are finished with troubleshooting in Safe mode, open MSCONFIG again, on the BOOT.INI tab, uncheck %26quot;/SAFEBOOT%26quot; and click OK to restart your computer.

After booting in Safe Mode run a full system scan. If you don%26#039;t have an AntiVirus I suggest you get AVG or Avast!. Also get AdAware and Spybot Search and Destroy and maybe even ZoneAlarm.

Bank accounts?

I live in Michigan and I wanted to know if anybody knows of any banks or credit unions that will let u open a checking account, even though your name is on chexsystems? Please help

Bank accounts?

I would check out a credit union. They are not as harsh as the banks. Good luck

Bank accounts?

I worked at a credit union and you can not open a checking account when your on chexsystems until you settle your debts.

Bank accounts?

If you live in Michigan, how are you going to share apartment with me in Toronto?

Regarding your question, the bank here in Toronto that has no prpblem with that is the TD bank. Regards... todoelmundo11@yahoo.es or... flor_de_malva@yahoo.es

Presedential dollar coins?

the u,s, mint is coming out with presidential golden dollar coins .this program is similar to the state quarters program, the coins will be honoring all dead presidents in the order in which they served, releasing 4 different coins per year through the year 2016. what i want to know specifically want to know is, will the average joe smoo be able to buy these coins for face value via local banks, credit unions etc...?

Presedential dollar coins?

Waste of money. Only Buy God at close to Spot Value. Were talking Eagles, liberty%26#039;s, Maple leafs or Krugerrands.

Presedential dollar coins?

can%26#039;t wait for the GWB coin.

Presedential dollar coins?

yes

What does bank of america employees, tellers, agents and etc. do to keep there account holders frm c

do they try to keep you from going to credit unions? or switching to another bank...? because i%26#039;ve been a good acct holder. even if i go over my acct. i still pay the whole fee. my last overdraft charges of 249.?? i paid the whole thing.. what do they do to keep your business from going else where? btw im thinking about closing my acct and moving else where to do my banking needs.

What does bank of america employees, tellers, agents and etc. do to keep there account holders frm clsng act.?

I don%26#039;t think they will actively try to retain your business unless you actually mention closing your account. At this time they will probably ask you if there%26#039;s anything they could do to change your mind, or if there were any problems that they may be able to address now which would make you stay. They may also offer some type of incentive, but doubtful.

Which banks don't use Chex Systems in Texas?

I live in Dallas Texas and was unemployed for 3 months late last year. During that time I overdrew my checking account and couldn%26#039;t afford to pay the $250 negative balance until I found a new job. Well, my bank reported me to Chex Systems and shut down my account. I have since opened up another account with a 2nd chance bank, but not happy with the fees they charge as well as other things. I was wondering which banks and credit unions in Texas don%26#039;t use Chex Systems when you open up a checking account?

Which banks don%26#039;t use Chex Systems in Texas?

HERE IS A WEBSITE FOR ALL STATES

http://approvedchecking.blogspot.com/

Which banks don%26#039;t use Chex Systems in Texas?

I%26#039;m guessing any legitimate bank uses this. I%26#039;ve been in banking 10+ years and it%26#039;s pretty much a standard. Good luck ... I suggest getting a savings account w/a smaller bank or CU and keep in contact w/one of the bankers. While they probably can%26#039;t get around the Chex, developing a personal relationship w/a banker and being very truthful about what your goals are will go a long way. I%26#039;ve done that many times with people in a similar predicament as you.

WA only - Could you please recommend a good deal with mortgages - low interest rates??

Are credit unions better than banks?

WA only - Could you please recommend a good deal with mortgages - low interest rates??

I just went through this process myself. The best rates were at BECU (Boeing Employees Credit Union). They have opened it up so that anyone can join. All you need is 5 bucks in a savings account and you can get qualified for a home loan. Go in and talk to someone. :) Good luck.

WA only - Could you please recommend a good deal with mortgages - low interest rates??

Try these links.....

Good Luck......

WA only - Could you please recommend a good deal with mortgages - low interest rates??

Once you ask a question, it gets read all around the world, even if you clicked on %26quot;YA Australia%26quot; or %26quot;YA Canada%26quot;. I%26#039;m in California, for instance. The web site in your profile is Australian. Does %26quot;WA%26quot; mean Western Australia or Washington (state) USA, or something else?

It makes a difference. 70% of the Q %26amp; A are from people in the USA; without a country, they assume you are one of them.

Where can I buy large quantities of pennies (ie. about $100 or more).?

Banks and credit unions don%26#039;t seem to have very many. I looked into buying from Coinstar but can%26#039;t find a local distributor.

Where can I buy large quantities of pennies (ie. about $100 or more).?

Go to your bank and ask them to order them for you. It may take a few days but it can be done. We ordered a large number of dollar coins for a promotion where I work and had them within a matter of a few days.

Where can I buy large quantities of pennies (ie. about $100 or more).?

your bank will get them for you if you ask in advance

Where can I buy large quantities of pennies (ie. about $100 or more).?

Im sure you can go to a %26#039;checks cashed%26#039; or moneygram place of sorts.... I recently bough change worth $54 from them, but it was quarters/dimes/nickels/pennies. Each roll of pennies is worth 50 cents, so maybe you could try buying 20 rolls at $10 or something,(or as much as theyre willing to sell you), and go to several ones around your area and do the same thing, if youre still short wait a couple days and do it again. I know theres like 4 checks cashes places around a 1mile radius by me, so traveling shouldnt really be a problem those things are everywhere...

Where can I buy large quantities of pennies (ie. about $100 or more).?

Where do you live that banks don%26#039;t have any ?? The nearest banks to me are 1/2 hour away and are in small towns and they have plenty of cents. Go to more than one bank. A quick note, the Coinstar counting machines damage a lot of coins. The ones at the Federal Reserve Banks do a number on coins also. That is why people are finding all kinds of error coins that are really damage from counting machines.

What are some of the better banks in Maryland to bank at??

i live in Baltimore and I am in the process of changing banks. I was using Bank of America and I hate them with a passion cause of all the problems i have had with them. I%26#039;m looking to stay away from credit unions but don%26#039;t just want to jump into another situation with a bad bank like i did with bank of america. do you have any suggestions??

What are some of the better banks in Maryland to bank at??

I have had no problems with BB%26amp;T. They have locations in Baltimore and up and down the East Coast if you ever need them

I have a student debit card account with them and I haven%26#039;t had problems using direct deposit with them.

I also have opened a CD up with them and an eSavings Account which is currently earning 4% apy. I opened up those accounts online in about 20 minutes.

I can easily set up transfers to and from my debit card to my eSavings account.

What are some of the better banks in Maryland to bank at??

have had very good success with M%26amp;T.

What are some of the better banks in Maryland to bank at??

Provident bank of Maryland. They%26#039;re a large bank but not a big bank type of bank. They%26#039;re also open in alot of grocery stores late in the evening and on Sundays.

What are my options for banking?

What kind of banks are there? Regular type banks like Bank of America and then Credit Unions, any other types?

I would like a less %26quot;corporate%26quot; type banking option. I am not looking for loans or to borrow, just be able to have a debit card to make online purchases.

I plan on traveling around the US so i dont want a regional bank.

What are my options for banking?

I would recommend local or smaller banks with a good personal banker. They usually have the same services and are better able to help on a personal level. So make some visits to the banks and interview them like your were their employer, because in a way you are.

Most everyone has free on-line banking and bill payments. With a bank card and employer who has automatic you can travel any where in the world. The bank will even process the exchange rate.

When you do get ready to get a loan that personal connection that you have built up with your personal banker will help.

If your banker goes somewhere else or the bank changes hands, i.e. merger,and the person you have been dealing with is good go to the next bank with them.

In the past 30 years I%26#039;ve had on main bank and two personal bankers. It%26#039;s been a medium sized regional bank.

Experience with Bank of America, Us Bank, WAMU, and Wells Fargo all very depending upon the local branch.

What are my options for banking?

probably washington mutual, I think they are all over.

What are my options for banking?

B of A is expensive.

Wells Fargo is only in the West Coast.

Credit Unions are regional.

Chase is only in East Coast and Midwest.

Citibank sucks.

I%26#039;d try WaMu.

What are my options for banking?

google first

then go to banks

there a few one has the word orange in it

have heard good things

and better intrests rates

What are my options for banking?

Your best bet would be a %26quot;National Bank%26quot; not all National Bank have offices in all states, but you will find them across the U.S. and if you use their locations you may not have to pay debit card fees (depending on the type of account). As far as I am aware, they all offer debit cards, which you can use to make online purchases.

What are my options for banking?

You might want to try an online bank. American Bank ( http://www.pcbanker.com ) offers a checking account that has a rate of 3.25% on balances up to $10,000 and refunds ATM fees charged by other banks up to $6 per cycle. Bank of Internet ( http://www.bankofinternet.com ) has a checking account that earns 3.40% and refunds ATM fees up to $7.

You can find a list of these types of account at http://www.emoneycentral.com in the checking account section.

I need a personal loan, HELP!?

I need to get a $3k personal loan %26quot;for yesterday%26quot;. My score is between 580 to 600. I filed Chapter 7 4 yrs ago, I have the DISCHARGE since the day I filed. Can%26#039;t try with Credit Unions because the don%26#039;t help people in Bankruptcy, I have a house but can%26#039;t refinance becuase the market went down and the house value is less than when I bought it.. what can I do? Please help!

I need a personal loan, HELP!?

Try a 125% home loan with the company below. The 125% Home Loan is a second mortgage that allows you to borrow more than your home is worth.

I need a personal loan, HELP!?

Well, 580-600 all things considered is not %26quot;horrible%26quot;

Ussualy you can get loans at scores around there. You should go into your local bank where you have a checking/savings account and sit down with a loan officer, see what they can do for you. They will be most likely to work with you.

You income is going to be a big factor. I would say as long as you can prove steady income over 1500/month you will be ok. But be prepared for high interest rates.

I need a personal loan, HELP!?

Try going to your bank and getting a signature loan that is what my husband and I did after we filled a chapter 7 and they gave us the money and we had lower credit scores than what you have. I hope this helps.

I need a personal loan, HELP!?

Try a tertiary lender like Citifinancial.com. They are relatively easier than banks when it comes to lending.

I need a personal loan, HELP!?

I would also suggest trying your bank. You could also check out this site for helpful information on personal loans. They might be able to help you. http://loan.divinfo.com/

I need a personal loan, HELP!?

I,m sure you will get a loan keep looking around don,t give up good luck

I need a personal loan, HELP!?

I am Mr chris peter.A legit loan lender.Are you into debts? Do you have a bad credit?Are you financialy down.I give out loans at low interest rate of 3%.I give out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I give out long term loan for three to five years maximum with your interest in this you can as well tell me the amount you need so that I send to you the terms and condition that is if you are realing interested in getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I give is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest I will trust you because I like to do business with Honest people if you are one you will get the loan with out problem and for your information if you should more loan like $10,000,000m I can give only if you are one of these cartigories: Manager of a company A private Holder A broker in banks A director in any office or company A high investor of and compay If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. NAME:............................ PHONE:........................... COUNTRY:.........................

LOAN AMOUNT NEEDED.....................sen... these info it is important. Mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. If you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now at cpc_consultant@yahoo.com