Accept Payment Online

PHP and Online paymen t processing: http://paypal-ipn.com/ & credit card processing?:? Hi I just found this online payment and purchase software for paypal: http://paypal-ipn.com/ I want to create a secure and efficient way for visitors to download stuff form my website after making a paypal payment. Is this secure? and the best one? In addition is it worth getting credit card payment processing on my site, which one is the cheapest and securist? I dont have any knoweldge of ecommerce, so any examples and proven stuff (secure and liked by visitors) with competitive rates would be appreciated. thanks in advance Tovia SInger

What are the best practises for developing a secure asp.net website.? Site should be secure enough to safely allow online payment processing.

Ecommerce online Security: Download page and how to make it secure, http://paypal-ipn.com/? Hi I just found this online payment and purchase software for paypal: http://paypal-ipn.com/ I want to create a secure and efficient way for visitors to download stuff form my website after making a paypal payment. Is this secure? and the best one? In addition is it worth getting credit card payment processing on my site, which one is the cheapest and securist? I dont have any knoweldge of ecommerce, so any examples and proven stuff (secure and liked by visitors) with competitive rates would be appreciated. thanks in advance Tovia SInger

Website Online Credit Card Payments with Offline Processing? I have a shop at present selling car parts. I would now like to sell some online, but the quotes i have been given are very expensive. Is it possible to take online credit card payments, via a secure html form and then enable me to retrieve the details the next day and process them in my shop? From what i've read it is possible and ideal for me. How would i technically do this??? 1and1.co.uk host my website at the moment. Many thanks, Sean

Is there a UK website where you can have images printed on merchandise, and they deal with distribution, etc? I'm looking for something like CafePress but UK based. This is what CafePress do: customers are able to open an online shop to sell prints of their own artwork and images on clothing, badges, bags, all sorts of products - all with no upfront costs and no inventory to manage - Cafe Press manage it all and do the printing for you. They manage every aspect of doing business online, including storefront development, site hosting, order management, fulfillment, secure payment processing, and quality customer service - enabling anyone to open a free shop with no upfront costs and no inventory to manage. So now you know what it is, is there anything like this in the UK and is it any good? Has anyone used it and how has it worked for you?

Are working from home opportunities always a scam if they request a one off up-front fee, in this case £10 to? cover equipment; "Hi Thank you for your enquiry. Here is the information you requested. We are currently seeking home-based Data Entry Clerks and Online Order Processors to start immediately in your area. No experience is necessary as full training will be provided and this opportunity will allow you to work from home, with flexible hours and a lucrative primary or secondary income. This is a data entry position involving; Ÿ filling in forms online Ÿ responding to enquiries Ÿ processing orders using your home computer The only requirements are that you have; Ÿ Reliable internet access Ÿ Basic typing skills Ÿ A valid e-mail account Ÿ The ability to follow simple, clear instructions All contact is online so you can work whichever hours are most convenient for you and we can provide ongoing support, 24 hours a day. E-mail us today at enterdatahome@gmail.com HOW DOES IT WORK? You will be processing orders for online information products and entering data into specific company databases. There is a comprehensive training plan to guide you through the process and there is no limit to the number of orders you can process. You will receive £10-20 for each order you process, paid immediately into a secure online payment processor, such as Paypal, for you to withdraw at any time. Each order takes approximately 15 minutes to process and once you've accessed the training materials you can start immediately. THE TRAINING We will provide you with instant access to all the training materials, including step by step tutorials guiding you through each stage of how to begin, what data to enter and where to enter it. You will also be provided with access to our extensive database of online companies requiring this type of data entry and even provide you with the data to enter! The training area also provides you with details of how you can simply keep submitting forms every day to make a generous income from your home computer. THE FEE There is a one-time registration fee of £10 for the training materials and access to our catalogue of company databases, inclusive of all processing fees and ongoing guidance. This package is delivered online and we can provide continuing support 24 hours a day. Once your payment has been received you will be given immediate access to all the materials you need to start this lucrative home-based opportunity. Don't forget you will be paid immediately upon completion of each order processed! This is a proven and genuine work-from-home opportunity allowing you to earn a generous income around other commitments such as full-time work, studies or children. Upon completion of the training materials you will be a home-based Data Entry Clerk, processing orders online and entering details on company databases. Remember there's no limit to the number of orders you can process and, once you've completed the training programme, you can start work today. If you have any further queries then contact us today at enterdatahome@gmail.com Kind Regards, Angela"

Recommended automated payment notification system for a website? Hi All, I am creating a website which will involve customers, let’s say, purchase widgets to be sent by post or posted online to my website. Once the customer has confirmed the payment amount on my site, they should be directed to an online third party payment website to undertake the payment process. The customer will then complete the payment within the third party payment website. What I am looking for is a third party payment management system (like Paypal) for instance, which, at the end of the customer payment process, automatically notifies me when the customer has made payment and can integrate with my system to let me know this - in a secure, timely and reliable manner. Once this payment acknowledgement is all done, my system will then automatically send/post the widgets online. My questions are: 1 - Apart from the Paypal 'Instant Payment Notification' process - are there any other payment notification processes you know of provided by other online payment management companies that can do this? (Any links to their sites would be most appreciated) 2 - If you use Paypal's IPN process, have you come across any problems with this or do you strongly recommend it??

How many Americans are paying bills online as opposed to sending payment via a mailed check? In Sweden, paying bills by writing out a check went out of fashion 25 years ago. Every business or service has a special billing code by which you can easily pay your bills directly from your bank account (or even the post office) via a super-secure code system. That way, the payment reaches the business or service within 24 hours! Some of our American friends have "online bill pay", but the only difference is that bank writes a check and sends it instead of you doing it yourself. Even worse is that can take up to 10 business days for the payment ot be processed! Can the ability to pay bills online quickly and efficiently directly from your bank account vary from state to state? How is it in your state?

Automate the ordering process means...? I'm doing a report about a website, and the report guideline says mention the following 3.Online Purchasing (80 words) oCustomer account oSecure payment processing oAutomate the ordering process I understand the first 2, but what does automate the ordering process mean? how am i meant to write about it if i havent got a clue what it is? Thanks in advance!

how safe is paypal in craigslist? I'm selling an hp pavilion dv2745se in san diego California for $450 and someone in craigslist send me a message telling me that she wants to do the deal in paypal, she told me the following: Thanks for the response. I willing to purchase this item and I will prefer sending the payment via paypal service because i think they are the most secured online payment for now. All i need now is your paypal email and the go ahead to send the funds so as to transfer it immediately. If you don't have an account with paypal that means you will have to open immediately at www.paypal.com because is safe, fast and easy, so you can get back to me with the email you have used to register so i can transfer the funds there. Once we complete the payment process, then we can now arrange on how i will be getting the item.. Thanks so, is it safe?

i got this email today...is the job oppotunity for real? From: David Martins (davidmartins89@yahoo.com) Sent: 30 October 2008 16:15:30 HERE IS MORE INFO ABOUT THE JOB: This Self Employed Data Entry/Online Information Products Processor opportunity requires that you have a reliable computer with Internet access and capabilities, a valid E-mail account, basic Internet knowledge, and basic typing skills. You must also be able to conduct yourself in a professional manner. This includes having excellent grammar and spelling when communicating with clients via E-mail. In addition to the above requirements, you MUST be able to follow instructions closely and completely! You will do all contact via E-mail, so you will not be required to call anyone at anytime. This allows you to work whichever hours are most convenient for you (days, night, or weekends). You will be processing applications/orders, as well as placing ads by filling out forms in specific company databases (this tends to be tedious at times, so please be sure that you have the patience to do so before proceeding). This is why you will need to have basic Internet knowledge, though the training provided will give you step-by-step instructions on how to perform these tasks properly. There are no "down-times" with this position, so you will have a constant flow of work to complete. THIS IS NOT A GET RICH QUICK SCHEME, so if that is what you are looking for please do not pursue this opportunity. There is work involved. You will be processing applications and orders from people responding to ads for a home based online information products business placed by you, which will be explained to you in the training materials. As with any business opportunity you must be willing to work hard and try to respond to the orders in a timely manner. You will be earning $10 - $20 (depending on what you charge) for each application/order you process. For example; if you process 30 applications/orders in a week you will make $300.00 - $600.00 weekly. The amount of money that you earn is entirely up to you, it depends on the amount of time and effort you choose to put in. Also to process just one order usually takes about 15-20 minutes. The average part-time person makes $150 - $250 per week. This work from home opportunity is legitimate, has excellent products and is very lucrative. When you begin your new home based business as a Data Entry/Online Information Products Processor, you are considered a Self-employed Independent Home Based Business Owner. This means that as with any self employed position your taxes etc will be your responsibility. The training provided will go a little more in depth about what to do with your taxes. You will receive your pay through a secure online payment processor that deals with worldwide transactions or whichever online payment portal you choose. When an application is completed, $10 - $20 will be credited to your online payment processor account, which can be withdrawn into your bank account at your leisure. You will have access to over 100 products valued at over $150 for your own or business use. The 100+ information products come with resell rights and most have their own order pulling websites that you can set up and advertise to increase your income, you can sell this as a complete package or choose to sell the products separately. There is a one-time non-refundable fee for the training materials and information products package. This also includes all processing fees and training costs. We offer professional on-line support for as long as you may need us. This is a one-time fee, and there will be no other charges to you. However, the fee must be received before you can gain access to the Training materials. We must accept this fee to cover training costs, products, processing fees etc as well as to ensure that only serious applicants apply. This is a non-refundable fee, as this entire package is delivered via the internet and once you have received it, it is impossible to ensure its return. All will be explained in the training materials. This fee will not be waived for anyone, and cannot be sent from your first earnings. Once your payment is received, you will be given a Login ID and Password via email to gain immediate access to your training materials. You will also get another email with information on how to access your downloadable online information products. You will need a word processing program in order to perform this position successfully (MS Word, Works, Notepad, etc.) Once you have logged into the Training Area, you will be able to access the training materials, and START working from home TODAY. Most people typically complete the training within 24 hours or less. However, you can do this at your leisure. Keep in mind that the sooner you go through the training materials, the sooner you will START earning money with your new online business. I will be able to be contacted via E-mail at anytime af

Paraphrase? Electronic Commerce (EC) is where business transactions take place via telecommunications networks, especially the Internet. E-Business describes the broadest definition of EC. It includes customer service and intrabusiness tasks. It is frequently used interchangeably with EC. 2) Privacy: The right to be left alone and the right to be free of unreasonable personal intrusions Personalization: The ability to tailor a product, service, or Web content to specific user preferences. Virtual office: Is a an office that is virtual and is not physical and conducted via using technologies such as emails or fax, or internet. 3) A global networked environment is known as the Internet A counterpart within organizations, is called an intranet An extranet extends intranets so that they can be accessed by business partners 4) Business-to-business: involve electronic catalog, exchange, and auction marketplaces that use Internet, intranet, and extranet websites and portals to unite buyers and sellers. Business-to-customer: Businesses typically sell products and services to consumers at E-commerce websites that provide attractive Web pages, multimedia catalogs, interactive order processing, secure electronic payment systems, and online customer support. Consumer to Consumer: Individual uses the web for private sales or exchange.

After opening a paypal(/other e-paymentaccount), precisely how convenient is using it to make online payments? I think that 3rd-party online payment systems have a ways to go before they are reliable enough for common use; that said, to be fair I am looking into how secure, insured, and convenient they actually are [I personally have no idea]. w/r/t Paypal: assuming that I go through the online paperwork of opening an online account, and the next week I decide to buy a pet cat online: what is the process, specifically? About how many data fields do I have to fill in during the process, beginning to end?, I mean, 1) Press "Pay using Paypal" 2) Enter the following data: ________??? 3) Click accept/complete/agreed (w/e). I have the same question for other online payments [Wirecard, Moneybookers, etc.]: assuming that I go through the online paperwork of opening an online account, and the next week I decide to buy something, About how many data fields do I have to fill in during the process, beginning to end?, I mean, 1) Press "Pay using (whatever)" 2) Enter the following data: ________???

Do u use your credit card online ? Do u use credit card for making payments online? Do u feel secure in using ur card online?. Actually i am appearing for this Oxford business plan cometition where in we are developing alternative payment methods for online purchases , we plan to open payment kiosks at various locations (like grocery stores etc) where u can pay cash for ur purchases , what happens in our model is that you order something online u get a order code for that particular order , which is valid for a fixed time , u got to the store and pay in cash the amount for that order and ur order gets processed , other wise the order terminates if payment is not made in that period , so the model is pretty safe as well.., so wud u prefer to use our mode of payment instead of the credit card ? for using our service u just need to sign up ( like for email ) and pay a little annual fee... please give ur suggestions for developing the model Thanks!! thanks bubblegumbum.... how about if we placed the cash recieving counter in every apartment building ? or we ensure that the counter is accessible to all that is the person can just go there as a evening walk.. like it is so near to u that u can just go for a stroll and make payment in the evening for ur day's purchases ? Please give ur suggestions...

whats the best way to protect our passwords from theft? I have started to do online jobs, i process payments through websites too. Its getting more scary when i think what if someone stole my passwords or personal data. Can someone share some tips on how to use our personal info on the net to be safe and secure? Thanks

Trying to buy a car from online. Possible SCAM??? Plz HELP~~!!!? I am trying to buy a used car from craigslist. I contacted one and it's what he emailed me. My apologizes for the delay, my 2007 Audi A4 2.0T Sedan is in great condition, has about 42,200 miles on it, Black Paint, Super Clean, 4 Cylinder Turbo Engine, Automatic, 2 wheel drive - front, VIN: WAUAF78EX7A282287, No DINGS, No Accidents, ALWAYS garage kept, service records up-to-date, no loan or lien on it. I want to be honest with you, the car is in perfect condition,. . .My price on it is $9,000 (OBO) the price is low because I'm in a bit of a time crises, I am a Navy SEAL and my unit will be sent back in to action in December. So I need to sell my car as soon as possible before I leave. . . My main problem in selling this car is that, at the present moment, I’m in combat training at the Naval Air Station Corpus Christi and I don't have permission to leave the base. My final price on the car is $9,000. The car is with me in Corpus Christi, TX, from my last selling attempt (shipping is available free of charge). Because of my situations I will like to use AutoCheck Buyback Protection. I don't know if you heard of it, it a service similar to Carfax. After I signed up for the program they offered me a protection plan that offers buyer and seller protection, title guard, testing period prior to purchase and many more. . . I am writing to let you that I've sent the details to AutoCheck and they will contact you soon. As I said, that at this point you have no obligations; all you have to do is to just read the transaction details regarding buyer protection and tell me if you’re interested in doing this deal. . . I got an email from AUTOCHECK about it. . . Guiding Buyers and Sellers Safely Through the Online AutoCheck Buyback Protection Process Step 1: Buyer and Seller Agree to Terms Both parties agree to terms, which includes a description of the merchandise, sale price, number of days for the Buyer's inspection, and shipping information. Either the Buyer or Seller signs in to AutoCheck and creates a transaction. The initiating party defines the terms of the transaction and provides information about the merchandise. The initiating party confirms the information entered, and agrees to the AutoCheck instructions. The other party is notified by e-mail, to sign in and agree to the terms of the transaction provided by the initiating party.After both parties have agreed to the terms, the Buyer will be asked to submit payment to AutoCheck. Step 2: Buyer Pays AutoCheck When the transaction is started the Buyer will receive an invoice with the payment details. The Buyer will have to make a deposit to AutoCheck, representing 75% from the total price of the vehicle, for safety reasons. The payment will be verified and secured, by our expert staff, it into a non-interest bearing trust account. Payment verification process usually takes less than 24 hours. During the transaction we will use state-of-the-art technology to prevent fraud and our expert staff will monitor the transaction 24/7, enabling you to pay safe. AutoCheck has 100% Money Back Guarantee if the transaction is unsuccessful. Step 3: Seller Ships Merchandise to Buyer The Seller ships the merchandise to the Buyer's address, provided by him. The Seller must pay for the shipment of the merchandise. If the Buyer is responsible for paying the shipping costs and a dollar amount is named in the shipping field, then Seller will be reimbursed that amount when the transaction is complete. The inspection period will not begin until AutoCheck has confirmed delivery of the merchandise or the Buyer marks the merchandise as received on the transaction screen. Step 4: Buyer Accepts the Merchandise When the Buyer accepts the merchandise or the inspection period expires (at which point, the Buyer automatically accepts), the disbursement of payment will begin. Please note that AutoCheck may perform additional verification before funds are released. If he refuses it, the Buyer will ship the vehicle back to the Seller, at seller's expense, plus 5% from the total price penalties for false information; Step 5: AutoCheck Pays the Seller Upon the merchandise being accepted, AutoCheck verifies the transaction information and releases funds per the Seller's instruction. The default method of disbursement to Seller is an AutoCheck check mailed to the address in the Seller's profile. The Seller may expedite payment from AutoCheck by selecting an alternate method of disbursement for an additional fee. The Seller is asked to choose the disbursement method after they agree to the transaction terms. the thing is that i heard autocheck does not handle the money. AM I BEING SCAMMED???????? Your help will be greatly appreciated :) Thanks Thanks you all ~~ Just saved my $9000 :) THank you very much

Travel lodge and payment? Me and my friend need to book a travel lodge. However im confused about how to book this. During the booking process at the payment part it asks for payment method. The Solo option is displayed. However i decided to check the FAQ before i finalised anything. Can anybody make sense of this copy and pasted directly from the travel lodge website and tell me if i can or cant use my solo card to secure a room: How do I pay for a room? Supersaver and Saver rate rooms are only available online and payable via credit or debit card at the time of booking. These rates cannot be refunded. Please check the details carefully before you complete your booking. There is no checkout process at the hotel. You can use Visa, MasterCard, American Express, Switch/Maestro and Visa Delta/Debit cards to pay online. PLEASE NOTE Payment using the Visa Electron and Solo debit cards cannot be taken for bookings or guarantees. Flexible and Partner rate rooms are payable via credit or debit card at the time of booking. There is no checkout. You can use Visa, MasterCard, American Express, Switch/Maestro and Visa Delta/Debit cards to pay online. The Visa Electron debit card cannot be used. Thanks http://www.travelodge.co.uk/help/index.php?category=6#q75

Is this an online scam? Thank you for your interest in the position. Here is a brief overview of what we have to offer you. Job Description: Work from home full or part time Full online training pay based on per-completion basis Work your own hours/days Details: We are seeking only self motivated people with the desire to work with online advertising. No experience is necessary. You must have a computer with internet access, a working email account, and basic typing skills. You can choose to work full or part time and the hours are set by you. You will be processing responses from advertisements; this will be explained to you in the training materials. Everything is sent to you via your email account. There is no contract to sign. The amount you choose to process is entirely up to you. As with any job, you must be able to respond to advertisements in timely manner. Compensation: You will be paid $10.00 to $20.00 for each application you process. For example, if you process 35 in a week you will make $350-$700 weekly. The average person makes $500 per week. The amount of money you earn is entirely up to you. You will be responsible for keeping track of your earnings for tax purposes. We do not take out anything for taxes or provide you with a 1099 form. Training: The training materials you receive will give you step-by-step instructions on how to get started. When you receive your training materials, you may begin working the same day. There are no special software requirements for this position. Payment for work completed: You will receive your payments through PayPal for each application you process. If you do not have a PayPal account, please sign up for one at www.paypal.com. The sign-up process is very secure and simple and takes about 10 minutes. It is the easiest way for you to get paid. If you are still interested and would like the training materials, please email me at ---------@optonline.net and I will forward the training materials to your email address within 24 hours. There is ONE TIME non-refundable fee of $15.00 to cover the cost and processing of the training materials, which can be paid from your PayPal account. This payment can be made to yaggyma@optonline.net through PayPal. This money will easily be made back by processing one response and it shows you are sincere about the job. This is the only fee you will incur for this job. After receiving the materials fee, I will send you the materials to your email address within 24 hours. Please respond promptly as we only have a few more positions available. Thank you again for your interest. Hope to hear from you soon, Matthew Yaggy

debit card online? i made an online debit card purchase and recieved conformation from the seller i have enough in my account but how long should it take to process since its a check card will it take 4 to 6 weeks and on my account when i log in it says i payed with a credit card whats up with that the site uses authorize.net to secure payments yoo can anyone gimmie any insight thanks

Paypal needs tracking verified to credit **SCAM??**? i hhad a long conversation with this person on craigslist and i got 2 legit emails (or so i think) that say for protection of both the sender and the receiver, paypal is holding the money until i ship the item and confirm through tracking, the address was from " service@paypal.co.uk " here is the 1st email " From: service@paypal.co.uk (funding.requirement@consultant.com) Medium riskYou may not know this sender.Mark as safe|Mark as unsafe Sent: Tue 9/09/08 3:22 AM Reply-to: funding.requirement@consultant.com To: kevingatch@hotmail.com PayPal Dear kevingatch@hotmail.com, This email confirms that you have received $530.00 USD from trogers@eufaula.rr.com Ruth Elaine is a Verified Buyer View the details of this transaction Payment Details Transaction I.D: 5Y758872CS5622823 Item Title Quantity Price Subtotal Ipod Touch 1 $430.00 USD $430.00 . USD Shipping & Handling via Usps Expressmail Intl (includes any seller handling fees) $100.00 USD Shipping Insurance (optional) : -- Total: $530.00 USD Shipping Information Address: Name:Phillip James Address;block 11,academy road City:Ibadan State:Oyo state Country:Nigeria 23402 Address Status: Confirmed Note:Ruth Elaine has provided a confirmed Address and want you to ship the item via Usps international priority mail(EMS) to this address . Ruth Elaine provided Confirmed Address and Payment has been "CONFIRMED" fund will be credited into your account, Note that shipment will be verified before the payment can be credited into your account. We therefore implore you to dispatch the item and provide the Customer Care section verified.helpdesk@representative.com An evidence of (Postage Receipt or Tracking number and the Courier Service).You will then be sent a URL that will link you into your account.This is to secure both the buyer and the seller. Bear with us for any inconveniences this might have caused you. Copyright © 1999-2008 PayPal. All rights reserved. PayPal (Europe) Limited is authorized and regulated by the Financial Services Authority in the Europe as an electronic money institution. PayPal FSA Register Number: 356007. Thank you for using PayPal! The PayPal Team PayPal Email ID PP370" HERE IS THE 2nd " RE: **** A WEALTH OF PROTECTION FOR OUR CUSTOMER****‏ From: kevin g (kevingatch@hotmail.com) Sent: Tue 9/09/08 4:53 PM To: funding.requirement@consultant.com Date: Tue, 9 Sep 2008 02:34:30 -0700 From: funding.requirement@consultant.com Subject: **** A WEALTH OF PROTECTION FOR OUR CUSTOMER**** To: kevingatch@hotmail.com A Wealth of Protection for Our Customer Your protection is one of PayPal's biggest priorities. By using the very latest in secure technology and employing a large team of experts in all areas of online safety, PayPal continues to be a leader in safe online payments around the world. PayPal protects her customers in ways that many other financial institutions do not. For instance, card issuers often charge for their fraud prevention tools, but at PayPal you'll find the same tools for free. Not only that, but unlike many of our competitors, PayPal's fraud experts work behind the scenes, monitoring activity and possible fraud indicators to help ensure an extremely safe network. Read about: PayPal versus the Competition | Prevention | Action and Resolution Dear (kevingatch@hotmail.com), This message is originated from PayPal company.We have received an order from our client Ruth Elaine regarding the payment made to your PayPal account. The payment has been successfully made but due to security reason we have to receive the shipment tracking number that will be given to you after shipping the item to the buyer specify address before the next 24 hours for the processing of your order. This a new measure we are taking to protect both our sellers and buyers against fraudulent customers. Once you have shipped the item send us the shipment tracking number for verification after the tracking number has been verified your account will be credited instantly. This PayPal® payment has been deducted from the buyer's account and has been " APPROVED " but will not be credited to your account till the shipment reference/tracking number is sent to us for shipment verification so as to secure both the buyer and the seller. Below are the necessary information requested before your account will be credited. Send tracking number to us or email us through this mail verified.helpdesk@representative.com **PLEASE NOTE** Once shipment has been verified and the tracking number sent to us, You will receive a "CONFIRMATION Email" from PayPal® informing you that the Money has been credited. Note: Craigslist and PayPal will be responsible for the item loss or damage once we receive the tracking number. Thank you for us

does some one know if adrivila11@yahoo.com is a spammer??? as he bought anotem from in ebay and wants to ship it immediatly for her grand son in nigeria and are these emails spams?? Dear sexypris, PayPal™ Luxembourg Ltd hereby inform you that we have received your payment of $280.00USD by your buyer Adriana Pessoa (adrivila11@yahoo.com) for your :mini iphone, and you are secure with PayPal .The money has been deducted from your buyer's account and is ready to be credited into your account (maltesefemale@hotmail.com) as we await to authenticate the reference/tracking number that we requested from you on the transaction you made with your buyer Adriana Pessoa, You are hereby advice to go to the post office that is close to you and ship out the item, we assure you that your fund will reflect in your account as soon as the shipment is confirmed. This is in order for us to make sure that all transactions made through PayPal are abiding to our online payment policies. Please carefully note that the transferred funds have been fully deducted from your buyer's account and can not be refunded back. Therefore your co-operation is highly important regarding this transaction. We assure you that you are secured with us and as soon as we receive the shipment verification details (which is A Scanned Copy of the Shipment Receipt/Label and the Shipment Tracking Number from USPS Express Mail International) they will be promptly sent to our Verification department for immediate processing and as soon as shipment is confirmed and verified, you will receive a confirmatory mail, and your PayPal account will be credited immediately. Once again, we are very sorry for any inconveniences that these Updated PayPal Policies might have caused you. As you know, we are striving to protect both parties online from any form of fraudulent activities, so your cooperation is highly vital. Be rest assured that you are secured using PayPal. You are urge to email all the necessary details to our account/verification department at payseller@officeemail.net for quick processing. ------------------------------ Details of Funds Available ------------------------------ - Amount: $280.00 USD thanks help me thanks !! does he tryed to send buy something from you aswell like this email up

Have you gotten this letter from a source? STRICTLY CONFIDENTIAL. I am Mr. James Bari a senior staff and Procurement officer "Tender Board Committee" on the award of contracts in Department of Public Works here in South Africa. I got your contact E-mail address from a secure server online in my quest to find a trustworthy person on whom I can repose confidence for a transaction of this nature. My aim of sending this "business proposal" to you is to solicit for your assistance and co-operation to transfer huge amount of money into your account overseas. Therefore, this communication should be held in high confidence. l as the chairman "Tender Board Committee" on the award of contracts in Department of Public Works wish to transfer into a safe and secured account overseas the sum of US $27Million which is over-invoiced amount from contracts l awarded to foreign contractors who have been duly paid on completion of their various contracts. This money right now is in a coded account in the National Treasury of South Africa. However, by virtue of my position as civil servant, l cannot acquire these funds in my name or in the names of any companies here in South Africa. I therefore deemed it necessary on trust and sincerity to look for a reliable international outfit/ partner abroad into whose account the sum of US $27 Million will be transferred. l have agreed on the sharing ratio of 70% for me and 30% for you as the account owner. My choice of you for this transaction is basically hanged on trust and I hope you will not let me down. Please, be informed that all arrangemenents will be made for the processing of claims of payment once I am in receipt of the information required from you, and the funds will get into your account within 7 working days by Telegraphic Transfer(T.T).All that l need from you at this moment is your telephone and fax numbers for both of us to get a proper communication in detail. I am waiting for your very urgent response by calling me on my private number TEL.NO. 00-27-73-966-9485 and forward all your response to my private email address as follows jamesbari2008@yahoo.com Best Regards Mr. James Bari.

How can I recieve credit card information from my webstore? I have looked into online processing, but it seems expensive both monthly and per transaction. As does PayPal. My customers all have accounts set up with me, but I would like to find some way that they can make payments on their accounts using their credit card. Is there some way around this. Would it be possible, for example, to have them complete a form with all of the credit card info that I need and submit it to me over a secure connection and then I could just punch the info into my credit card machine manually and then e-mail them a confirmation of payment? That should work right? Please let me know if I am missing something!

please check the following mail and confir m about the validit of authentcity? Date: Tue, 27 Feb 2007 10:37:48 +0000 (GMT) From: "Halifax Bank Plc" <halifax.bankplc@yahoo.co.uk> Add to Address Book Add Mobile Alert Yahoo! DomainKeys has confirmed that this message was sent by yahoo.co.uk. Learn more Subject: WELCOME TO HALIFAX BANK PLC (ATTENTION : Saqlain Tauraizue Ahmad) To: sakrez@yahoo.com Halifax Bank PLC 2 PARADISE STREET LIVERPOOL L1 8JF London Email: halifaxbankingonline@yahoo.co.uk info_halifaxbank@fbenv.net Tel;+44-704-570-9563 +44-701-115-0386 Fax: +447075055364 27th February, 2007 TRANSFER PROCESS Attn;Saqlain Tauraizue Ahmad, Good day to you my name is Mr. John Kerry and welcome to Halifax Bank PLC. Please be informed that a Cheque of the Yahoo Lottery Promo in the sum of $800,000.00 USD (Eight Hundred Thousand Us Dollars) in your name was delivered to us this morning by the Lottery Organization for online wire transfer. Please be informed that before we can proceed to transfer the fund, a transit account has to be activated/opened for you. It is this account that the said fund ($800,000.00) would be deposited. Once this account has been activated/opened, you would transfer online the said fund to any of your designated bank account across the globe. So you are therefore required to pay an account activation fee to open the transit account. All banks in the UK , including ours, are authorized and regulated by the Financial Services Authority and as a result, clients are required to abide by the Banking policies of the British Government by making security deposit for ACTIVATION FEES. The Financial Services Authority is the independent regulator set up by Government to look after the financial services industry and protect consumers. The activation fee is £300 Great British Pounds The United States Dollars Equivalent of this is $589.229 Note that we can not continue with the online bank transfer until the activation fees is paid because this said fund has to be deposited into an account before it can be transferred to you. This is in accordance with section 17(1) (n) of the National Online Transfer Act as adopted in 1998 and amended on 3rd July 2001 by Parliament. Note; that your total prizes claim has been insured to the real value and as such the ACTIAVTION FEE cannot be deducted from it. This is in accordance with section 13(n) of the national gambling acts as adopts this in 1993 and amended on 3RD July 1996. This is to protect winners and to avoid misappropriation of funds Payment for the activation fees can be made either via WESTERN UNION MONEY TRANSFER. On receipt of this email you are to contact us to provide you with details of our Accounts Manager to effect payment. Upon your reply and consent I would provide you with the necessary details to effect payment for the 'ACTIVATION FEE" Yours Faithfully, Mr. John Kerry Account Officer. -------------------------------------------------------------------------------- To help you stay safe and secure online, we've developed the all new Yahoo! Security Centre. DeleteReplyForwardSpamMove... Previous | Next | Back to Messages Save Message Text | Full Headers Check MailCompose Search Mail: Search MailSearch the Web Move Options [New Folder] CHENAB Forward Options As Inline Text As Attachment Reply Options Reply To Sender Reply To Everyone Mail Shortcuts Check Mail Ctrl++C Compose Ctrl++P Folders Ctrl++F Advanced Search Ctrl++S Options Help Ctrl++H Address Book Shortcuts Add Contact Add Category View Contacts View Lists QuickBuilder Import Contacts Synchronize Addresses Options Addresses Help Calendar Shortcuts Add Event Add Task Add Birthday Day Week Month Year Event List Reminders Tasks Sharing Synchronize Calendar Options Calendar Help Notepad Shortcuts Add Note Add Folder View Notes Notepad Options Notepad Help Advanced Search Advanced Search

how to verify that I won yahoo lottery or it is fraud/joke? Date: Tue, 27 Feb 2007 10:37:48 +0000 (GMT) From: "Halifax Bank Plc" <halifax.bankplc@yahoo.co.uk> Add to Address Book Add Mobile Alert Yahoo! DomainKeys has confirmed that this message was sent by yahoo.co.uk. Learn more Subject: WELCOME TO HALIFAX BANK PLC (ATTENTION : Saqlain Tauraizue Ahmad) To: sakrez@yahoo.com Halifax Bank PLC 2 PARADISE STREET LIVERPOOL L1 8JF London Email: halifaxbankingonline@yahoo.co.uk info_halifaxbank@fbenv.net Tel;+44-704-570-9563 +44-701-115-0386 Fax: +447075055364 27th February, 2007 TRANSFER PROCESS Attn;Saqlain Tauraizue Ahmad, Good day to you my name is Mr. John Kerry and welcome to Halifax Bank PLC. Please be informed that a Cheque of the Yahoo Lottery Promo in the sum of $800,000.00 USD (Eight Hundred Thousand Us Dollars) in your name was delivered to us this morning by the Lottery Organization for online wire transfer. Please be informed that before we can proceed to transfer the fund, a transit account has to be activated/opened for you. It is this account that the said fund ($800,000.00) would be deposited. Once this account has been activated/opened, you would transfer online the said fund to any of your designated bank account across the globe. So you are therefore required to pay an account activation fee to open the transit account. All banks in the UK , including ours, are authorized and regulated by the Financial Services Authority and as a result, clients are required to abide by the Banking policies of the British Government by making security deposit for ACTIVATION FEES. The Financial Services Authority is the independent regulator set up by Government to look after the financial services industry and protect consumers. The activation fee is £300 Great British Pounds The United States Dollars Equivalent of this is $589.229 Note that we can not continue with the online bank transfer until the activation fees is paid because this said fund has to be deposited into an account before it can be transferred to you. This is in accordance with section 17(1) (n) of the National Online Transfer Act as adopted in 1998 and amended on 3rd July 2001 by Parliament. Note; that your total prizes claim has been insured to the real value and as such the ACTIAVTION FEE cannot be deducted from it. This is in accordance with section 13(n) of the national gambling acts as adopts this in 1993 and amended on 3RD July 1996. This is to protect winners and to avoid misappropriation of funds Payment for the activation fees can be made either via WESTERN UNION MONEY TRANSFER. On receipt of this email you are to contact us to provide you with details of our Accounts Manager to effect payment. Upon your reply and consent I would provide you with the necessary details to effect payment for the 'ACTIVATION FEE" Yours Faithfully, Mr. John Kerry Account Officer. -------------------------------------------------------------------------------- To help you stay safe and secure online, we've developed the all new Yahoo! Security Centre. DeleteReplyForwardSpamMove... Previous | Next | Back to Messages Save Message Text | Full Headers Check MailCompose Search Mail: Search MailSearch the Web Move Options [New Folder] CHENAB Forward Options As Inline Text As Attachment Reply Options Reply To Sender Reply To Everyone Mail Shortcuts Check Mail Ctrl++C Compose Ctrl++P Folders Ctrl++F Advanced Search Ctrl++S Options Help Ctrl++H Address Book Shortcuts Add Contact Add Category View Contacts View Lists QuickBuilder Import Contacts Synchronize Addresses Options Addresses Help Calendar Shortcuts Add Event Add Task Add Birthday Day Week Month Year Event List Reminders Tasks Sharing Synchronize Calendar Options Calendar Help Notepad Shortcuts Add Note Add Folder View Notes Notepad Options Notepad Help Advanced Search Advanced Search

Does Suntrust have to give me an account number? I am repaying a debt to Suntrust. To date, I have been sending them a check each month (on time) in the amount due, sometimes more. To be literal, I put a check in a secure envelope and send it to my representative with no account number, etc, just a check made out to Suntrust in the amount due and on the memo line I write, for example, 'July payment.' It takes about a week for them to get it and process it. The last time I spoke with my rep - who, for the record, is a new rep for me as my initial one who was honestly great to work with, is no longer with the company - I asked if she would give me my account number so I could set up the payment through my online banking and have it for my personal records. She told me I didn't have an account number and that wasn't an option. It seemed strange to me, but I (maybe mistakenly) took her word for it. I have started doing some financial planning in the last week as I will be graduating college in December and want to be prepared. The more research I've done, the more I'm starting to question this practice. My question to you all is - does Suntrust have to give me my account number if I request it? I'm not so much worried about setting up an online payment. I can and will continue with checks, but I am become increasingly weary of the way this matter is being handled as far as no paper communication and refusal to give me my account number. Like any sensible person, I would like to have it on file as I do with my other bills. It's simply good practice. Also, as an aside, who would you recommend I talk to about this and should I seek out legal advice? My rep is not the easiest person to work with and has in fact changed my due date twice without putting it in writing. The more research I have done, the more skeptical I'm becoming of Suntrust's practice concerning this manner. Thank you for your input!

What US banking cards accept miniTellers? The miniTeller acts exactly as your own personal ATM machine which allows you to make direct payments from your bank account to your favorite online merchants, all from the comfort of your own home with the utmost security. The miniTeller is an external card-reading device used to process Debit/Bank card transactions safely and securely over the internet. The 3 oz. device plugs directly into your computer and has its own secure keypad for entering of your PIN number.

Dear i received email from united kingdom lottery annex? Dear Sir i received email from UNITED KINGDOM LOTTERY ANNEX Box 1010 Liverpool,L70 1NL,London. United Kingdom WINNING NOTIFICATION/FINAL NOTICE Winners Name: Taj Muhammad, Winning Email : mtaj82@yahoo.com The notification mail sent to you is to inform you that you emerged as our lucky winner.and this explains how you became a winner,The online cyber lotto draws was conducted from an exclusive list of 21,000 E-mail addresses of individual and corporate bodies picked by an advanced automated random computer search from the internet, no tickets were sold. After this automated computer ballot, your e-mail address emerged as one of two winners in the category \\"A\\" You are therefore been approved to claim the sum of £1.000.000 (One Million Pounds Sterlings ) GBP You are required to make contact with the Bank with all the details written below CONTACT INFORMATION:- Bank Name: CITI BANK UNITED KINGDOM Website : http://ctbnk.allbonline.com/secured/ Contact Person: Mr.GEORGE WHITE Telephone: +44-702 402 4597 E-mail: georgewhiteoffi01@live.com With this you are required to fill the form below to enable you recieve your funds in your account without delays. PAYMENT PROCESSING FORM (1) FULL NAME (2) FULL ADDRESS (3)NATIONALITY. (4) DATE OF BIRTH (5) OCCUPATION (6)WINNING EMAIL (7)TELEPHONE NUMBER (8) SEX (9) MARITAL STATUS (10) BANK ACCOUNT INFORMATIONS WHERE YOU WANT YOUR FUNDS TO BE TRANSFERRED TO. You are to respond to this mail by sending the above informations as well as your full banking details, to the Bank so that your funds can be transferred to your account without delays Yours Sincerely, Mrs Pamela Dave. May i Fill Payment Processing Form i do'nt Know about this lottery PLEASE HELP ME.Your Sincerely Taj Muhammad email address; (mtaj82@yahoo.com ) THANKS.

Can anyone guide me for opening a Business Merchant Account with HSBC-U.K. without physical presence? We are based in Taiwan, planning to run an overseas tea trade business exporting tea from Taiwan to U.K. We are planning to sell tea from Taiwan to UK retail customers for which we initiated to launch a website. We will take on-line orders on our Website and the Customers will make secure payment through debit/credit card. The payment gateway company requires for us to have a UK Merchant number and a UK bank account to where we can deposit the funds. We understand that once the Merchant Bank deposits the funds in our UK bank account we may transfer those to our Hong Kong account which we would need to arrange with the bank. Though we have our Business account and Merchant account with HSBC-H.K., for the above nature of our online retail business with U.K. Shoppers, we need to have a UK Merchant number and a UK bank account as mentioned. However, our Banker i.e. HSBC-H.K. assured us that for opening an account in HSBC UK, the process they will help to do referrals for us for opening the account. We seek one's kind advice as to whether he/she can help us for the UK merchant account initiation without a need of our physical visit to UK!! Please guide us with the best solution and oblige.

Personal Loan Online, I am trying to figure out if this company is legitimate? need some other opinions???!!? I do not have great credit and I am looking online for a personal loan, I have been emailed by tons of scammers asking me for up-front fees of $250 etc. to get the loan from them. I have tried everywhere and I have decided that I cannot obtain an UNSECURED personal loan. I applied on one website that looked legit, and I was called the next day by a company called century financial incorporated. Their website is www.century-financialinc.com. they have offered me a SECURE personal loan at a rate of 8.75 % from a 3rd party lender. Since I do not have the credit rating to get an UNSECURED personal loan (which means I recieve money with no collateral or co-signer). This company has outlined to me 3 different options to SECURE my personal loan. 1. co-signer. must have a cosigner with perfect credit. I said no thanks. 2. monetary collateral....which they have outlined the payments of $235/month which will be taken out of direct deposit, they have asked for a lump sum of my first 4 monthly payments, which turns out to be $940. Option 3. is Insurance coverage I would have to purchase from them $1800, to secure the loan, after 5 consecutive months of on-time payments, the $1800 would be refunded. I am seriously considering option #2, sending them $940 they said I would send it securly through western union, and within 3-4 hours, the loan would be deposited into my account, or I could have a certified cheque delivered to my house via fedex. I just have worries that after I send them $940, nothing will happen. I have talked to this man adam wilcox on the phone, he sounds like a very nice, understanding, knowledgable financial advisor, I do trust him I expressed my concerns with him and he assures me that this whole process is legitimate. can somebody visit thier website for me, the website states an actual address under contact information which is always a good sign, let me know how the website looks to you, below is the first page of the loan contract they sent me. I am on the fence about this one, but I really need a loan, but I do not want to be scammed. please advise on your opinions, or if anybody has experience dealing with this company? or a loan process like this, does this sound like the general way things need to be done? please give your opinions... thank you very much FEBRUARY 2ND, 2010 REFERENCE NUMBER: LA239876 REP: ADAM WILCOX EXT#223. DEAR: _____________ You can rest assure knowing you have made the right decision by choosing CENTURY FINANCIAL INC to act on your behalf, in finding an appropriate solution to your financial needs. CENTURY FINANCIAL INC has been committed to helping our clients achieve their financial goals since 1987. Our owner and Co founder, Ronald Taylor, vision is to win loyal clients through excellent customer service and as a result 100% customer satisfaction. We respect your privacy and guarantee the information you have provided to us will remain confidential. We see this as our responsibility and the minimum standard for meeting and exceeding our client’s expectations. At CENTURY FINANCIAL INC we realize carefully planned budgets may not always stretch as far as you may need them to. Borrowing is always an option that can be taken, yet for some; it may make life more complicated than easy. Here at CENTURY FINANCIAL INC we welcome all of your questions. We will work with you exploring all financial options available to you. Our company is committed to treating our clients with courtesy, professionalism and respect. CENTURY FINANCIAL INC would like to take this time to congratulate you and inform you that we are in receipt of all the necessary documents necessary to process your loan application. Here at, CENTURY FINANCIAL INC we abide by all laws governing documents handling for identification purposes. All documents supplied to us are used solely for the purpose of obtaining your loan. This information is confidential and cannot be released without the verbal and /or written consent of the client. We trust that all information provided on your application is accurate. Failure to provide correct information on your application could result in this contract determined null and void. Thank you for accepting the terms and conditions negotiated on your behalf by CENTURY FINANCIAL INC who will be securing the loan on your behalf. Based on the information you have provided, we have obtained a lender to process and approve your loan request of $18,000.00CDN on a Secured Basis. Your representative, Adam Wilcox, has outlined the 2 options in which you may secure your loan (Refer to Page 5 & 6 for Security Options). The Insurance Coverage protects the lender in the event you refuse to pay back the negotiated terms due to the fact that you the client have become unemployed

Is this a Craigslist scam? Help please thanks.? I recently sent an email to a Craigslist posting. The job looked very appealing working from home until they asked for a 20 dollar charge for training materials through paypal. Now I'm not really sure about online jobs but I'm a student so I would prefer a job that's online if possible. Knowing that there are many scammers online, I do not want to be a victim. I would really appreciate it if you guys gave me some opinions on this job. Thanks. Thank you for your interest in the position. Here is a brief overview of what we have to offer you. Job Description: Work from home full or part time Full online training pay based on per-completion basis Work your own hours/days Requirements: Computer and e-mail access Competent typing ability Basic internet knowledge Willingness to learn and set goals Details: We are seeking only self motivated people with the desire to work with online advertising. No experience is necessary. You must have a computer with internet access, a working email account, and basic typing skills. You can choose to work full or part time and the hours are set by you. You will be processing responses from advertisements; this will be explained to you in the training materials. Everything is sent to you via your email account. There is no contract to sign; the amount you choose to process is entirely up to you. As with any job, you must be able to respond to advertisements in timely manner. Compensation: You will be paid $10.00 to $20.00 for each application you process. For example, If you process 35 in a week you will make $350-$700 weekly. The average person makes $500 per week. The amount of money you earn is entirely up to you. You will be responsible for keeping track of your earnings for tax purposes. We do not take out anything for taxes or provide you with a 1099 form. Training: The training materials you receive will give you step-by-step instructions on how to get started. When you receive your training materials, you may begin working the same day. There are no special software requirements for this position. Payment for work completed: You will receive your payments through PayPal for each application you process. If you do not have a PayPal account, please sign up for one at www.paypal.com. The sign-up process is very secure and simple and takes about 10 minutes. It is the easiest way for you to get paid, seeing as this is a completely online business. If you are still interested and would like the training materials, please email me at daisy103mae@comcast.net and I will forward the training materials to your email address within 24 hours. There is ONE TIME non-refundable fee of $20.00 to cover the cost and processing of the training materials, which can be paid from your PayPal account. This payment can be made to daisy103mae@comcast.net through PayPal. This money will easily be made back by processing one response and it shows you are sincere about the job. This is the only fee you will incur for this job. After receiving the materials fee, I will send you the materials to your email address within 24 hours. Please respond promptly as we only have a few more positions available. Thank you again for your interest.

Does this sound like a scam to you? Please read? I replied to a advert on craigslist for a at home working opportunity, i got this response , it is only saying it cost 10 dollars to start and they go and pay through paypal which is safe so I thought maybe its legit....here is the email, I blocked out the ladys email at the end. Hello Angie, Thank you for your interest in becoming an online ad processor. Here is a more detailed overview. Job Description: Work from home full or part time Full online training Pay is on per-commission basis Work your own days/hours Requirements: Computer and a valid email account Competent typing ability Basic internet knowledge Willingness to learn and set goals Details: We are seeking only self-motivated people with the desire to work with online advertising. No experience is necessary. You must have a computer with internet access, a valid email account, and basic typing skills. You can choose to work full or part time--the hours are set by you. You will be processing responses from advertisements. Everything is sent to you via your email account. There is no contract to sign; the amount you choose to process is entirely up to you. As with any advertising job, you must be able to respond to advertisements in a prompt and timely manner. Compensation: You will be paid $10.00 to $20.00 for each application you process. For example, if you process 35 in a week, you will make $350-$700 weekly. The amount of money you earn is entirely up to you. You will be responsible for keeping track of your earnings for tax purposes. We will not take out anything for taxes or provide you with a 1099 form. Training: The training materials you receive will give you step-by-step instructions on how to get started. When you receive your training materials, you may begin working the same day. There are no special software requirements for this position. Payment for work completed: You will receive your payments through PayPal for each application you process. If you do not have a PayPal account, please sign up for one at www.paypal.com. The sign-up process is very secure, free and takes about 10 minutes. It is the easiest way for you to get paid, as this is a completely online business. If you are still interested and would like the training materials, please email *** and the training materials will be forwarded to your email address within 24 hrs. There is a ONE-TIME non-refundable fee of $10.00 to cover the cost and processing of the training materials, which can be paid from your PayPal account. This payment can be made to **** through PayPal. The money will easily be made back by processing 1 response from one ad and it shows you are sincere about the job. This is the only fee you will incur for this job. Once you have made the payment, please email ***** so that your training materials will be expedited quicker, and please indicate which zip code that you reside in.

anyone think that this is a scam? Hello, READ AND FOLLOW INSTRUCTIONS Thank you for your interest in becoming an online ad processor. Here is a more detailed overview. Job Description: Work from home full or part time Full online training Pay is on per-commission basis Work your own days/hours Requirements: Computer and a valid email account Competent typing ability Basic internet knowledge Willingness to learn and set goals Details: We are seeking only self-motivated people with the desire to work with online advertising. No experience is necessary. You must have a computer with internet access, a valid email account, and basic typing skills. You can choose to work full or part time--the hours are set by you. You will be processing responses from advertisements. Everything is sent to you via your email account. There is no contract to sign; the amount you choose to process is entirely up to you. As with any advertising job, you must be able to respond to advertisements in a prompt and timely manner. Compensation: You will be paid $10.00 to $20.00 for each application you process. For example, if you process 30 in a week, you will make $300-$600 weekly. The amount of money you earn is entirely up to you. You will be responsible for keeping track of your earnings for tax purposes. We will not take out anything for taxes or provide you with a 1099 form. Training: The training materials you receive will give you step-by-step instructions on how to get started. When you receive your training materials, you may begin working the same day. There are no special software requirements for this position. Payment for work completed: You will receive your payments through PayPal for each application you process. If you do not have a PayPal account, please sign up for one at www.paypal.com. The sign-up process is very secure, free and takes about 10 minutes. It is the easiest way for you to get paid, as this is a completely online business. If you are still interested and would like the training materials, please email ****** and the training materials will be forwarded to your email address within 24 hrs. There is a ONE-TIME non-refundable fee of $10.00 to cover the cost and processing of the training materials, which can be paid from your PayPal account. This payment can be made to ******* through PayPal. The money will easily be made back by processing 1 response from one ad and it shows you are sincere about the job. This is the only fee you will incur for this job. Once you have made the payment, please email ******** so that your training materials will be expedited quicker, and please indicate which zip code that you reside in. Thank you again for your interest in this position. Sincerely, Customer Service Manager William

Is this "Email Responders" job a scam? I am a recent University graduate and am having an extremely hard time finding a job (thanks to the economy). I am in desperate need of a job soon to pay off my student loans. This job would be perfect, but I am worried about the $12 up front fee. Kind of sounds "scammish" to me. I don't want to risk it because even $12 is tough for me to come up with right now. If anyone has any experience with similar listings, please advise. I would greatly appreciate it. Here is the email response I got when I responded to an ad on kijiji.ca for this job: ---------------------------------------------- HELLO SHAUN: Thank you for your interest in the position.We still have a few spots open.HERE IS THE BRIEF DESCRIPTION AGAIN.PLEASE READ IT CAREFULLY. *JOB DESCRIPTION: Work from home full or part time Full online training Pay based on per-completion basis Work your own hours/days *REQUIEMENTS: Computer and e-mail access Competent typing ability Basic internet knowledge Willingness to learn and set goals *DETAILS: We are seeking only self motivated people with the desire to work with online advertising. No experience is necessary. You must have a computer with internet access a working email account and basic typing skills. You can choose to work full or part time and the hours are set by you. You will be processing responses from advertisements this will be explained to you in the training materials. Everything is sent to you via your email account. There is no contract to sign the amount you choose to process is entirely up to you. As with any job you must be able to respond to advertisements in a timely manner. *COMPENSATION: You will be paid $10.00 to $20.00 for each application you process. For example if you process 35 in a week you'll make $350 to $700 weekly. The average person makes $600 per week. The amount of money you earn is entirely up to you. You will be responsible for keeping track of your earnings for tax purposes. We do not take out anything for taxes or provide you with a 1099 form. *TRAINING: The training materials you receive will give you step-by-step instructions on how to get started. When you receive your training materials you may begin working the same day. There are no special software requirements for this position. ***PAYMENT FOR WORK COMPLETED: You will receive your payments through PayPal for each application you process.If you do not have a PayPal account please sign up for one at www.paypal.com. The sign up process is very secure and simple and takes about 10 minutes.It is the easiest way for you to get paid seeing as this is a completely online business. If you are still interested and would like the training materials please email me at (johnrendy@live.com). And I will forward the training materials to your email address WITHIN 24 hours. There is a ONE TIME non-refundable fee of $12.00. This cost covers the training materials sent to you. Once you process your first response you will have made back this fee. This is just a small processing fee protecting from those who are not serious about doing this work. No business can cover administrative cost wasted time or provide costly materials to everyone who inquires about this position. If this is not acceptable for you or you cannot afford this small cost please disregard this email. You can send this payment to (johnrendy@live.com) through your PayPal account.This money will easily be made back by processing one ad response and it shows you are sincere about the Job.Please notify me once you have made the Payment so I can be sure the materials are sent to you.This is the ONLY fee you will incur for this job.After receiving the materials fee I will send you the materials to your email address within 24 hours. Please respond promptly as we only have a few more positions available. Thank you again for your interest! Jhon --------------------------------------------

Need advice on this job? Should I believe this? I dont want to lose money just because. Work from home full or part time Full online training pay based on per-completion basis Work your own hours/days Requirements: Computer and e-mail access Competent typing ability Basic internet knowledge Willingness to learn and set goals We are seeking only self motivated people with the desire to work with online advertising. No experience is necessary. You must have a computer with internet access, a working email account, and basic typing skills. You can choose to work full or part time and the hours are set by you. You will be processing responses from advertisements; this will be explained to you in the training materials. Everything is sent to you via your email account. There is no contract to sign; the amount you choose to process is entirely up to you. As with any job, you must be able to respond to advertisements in timely manner. Compensation: You will be paid $10.00 to $20.00 for each application you process. For example...If you process 35 in a week you will make $350-$700 weekly. The average person makes $300 per week. The amount of money you earn is entirely up to you. You will be responsible for keeping track of your earnings for tax purposes. We do not take out anything for taxes or provide you with a 1099 form. Training: The training materials you receive will give you step-by-step instructions on how to get started. When you receive your training materials, you may begin working the same day. There are no special software requirements for this position. Payment for work completed: You will receive your payments through PayPal for each application you process. If you do not have a PayPal account, please sign up for one at www.paypal.com. The sign-up process is very secure and simple and takes about 10 minutes. It is the easiest way for you to get paid, seeing as this is a completely online business. If you are still interested and would like the training materials, please email me at veracruse@hotmail.com and I will forward the training materials to your email address within 24 hours. There is ONE TIME non-refundable fee of $15.00 to cover the cost and processing of the training materials, which can be paid from your PayPal account. This payment can be made to veracruse@hotmail.com through PayPal. This money will easily be made back by processing one response and it shows you are sincere about the job. This is the only fee you will incur for this job. After receiving the materials fee, I will send you the materials to your email address within 24 hours. Please respond promptly as we only have a few more positions available. Thank you again for your interest.

Is making payments by Paypal safe? I've finally located a rare item from Japan in very good condition but just like 99.99% of us, the money's just not there. I've spent a GREAT amount of time tracking it down but currently don't have enough to make the purchase. This will be a private trade if it goes through. I am planning on offering a deal in which I will ask him to hold onto the item for me while I process a down payment to show I'm serious (and pay off the rest of it when I find the funds to do so via Paypal). However, I am aware that after 45 days past the day of the payment, I cannot file a dispute on that transaction. I am pretty sure I will still be making payments to him after 45 days and am scared that the down payment or whatever money I've sent more than 45+ days old will not be able to be disputed if he decides to try and scam me in the end by not sending the wheel. I've been talking to him for some time but obviously I don't trust him like a good friend or family. Like they say- you can't really trust anybody you don't know..especially online. Does anyone know of another way to make payments that's more secure and disputable past 45 days? If not, does anyone know if I'm somehow able to link a recent payment to that of an older one on Paypal so they can both be disputed if necessary? Any other solutions? Thanks for any advice in advance. Also, the one who answers with a scam proof solution will be credited maximum stars for helping me out..it's the least I can do to say thanks to that person!

i want easy cash? You have to try this! This can work for you! Can you really make money so easily? I am and this helps whilst developing my own online selling business! I thought it was impossible. Just read this. I don't even have to convince you that this is not a scam because it makes logical sense how you can earn money through paypal. A little while back, I was browsing through a newsgroup, just like you are now and came across an article similar to this that said you could make thousands dollars within weeks with only an initial investment of $6.00! So I thought, "Yeah, right, this must be a scam", but like most of us, I was curious, so I kept reading : OPRAH WINFREY and an article published in the Wall Street Journal, here is some of it!! Everyone has heard about "PayPal" (if you haven't you will soon) and, when I came Across this concept I knew it would work because, as a member of PayPal, I had already experienced their efficiency and excellent standing. Additional Details PayPal is the simplest method of making and receiving payments online anyone has ever seen! Anyone with an Email address can join, for FREE! Please read further before you go there... You can complete this whole process in less than one hour and you will never forget the day you decided to do so!!! Oh!, Did I say FAST? By fast I mean 'the speed of the Internet-type fast.' Everything is done on the Internet by E-mail. And, if you abide by the rules, it is NOT considered SPAM, so it's perfectly legal! Anyway, it said that you send $1.00 through paypal to each of the emails stated in the article. You then place your own email address in the bottom of the list at No.6, and post the article in at least 200 Newsgroup. (There are thousands) No catch, that was it. So after thinking it over, and talking to few people first, I thought about trying it. I figured what have I got to lose except $6.00,right? Like most of us I was a little skeptical and a little worried about the legal aspects of it: It follows the same regulations as the mailed chain letters, which according to the U.S. Post Office (1-800-725-2161) is indeed legal! Then I invested the measly $6.00. WOW! Within 7 days, I started getting money in my PayPal account! I was shocked and excited! I figured it would end soon, but the money just kept coming in. In my first week, I made about $25.00. By the End second week I had made a total over $1,100.00! In the third week I had over $9,000.00 and it's still growing. This is now my fourth week and I have made a total of just over $22,000.00 and it's still Coming in rapidly. Its : Certainly worth $6.00., I have spent more than that on the lottery!! : Let me tell you how this works and most importantly, why it works? Also, make sure you print a copy of this Article NOW, so you can get the information off of it as you need it. REQUIREMENTS: You must have a verified PayPal account. If you do not have an account you can go to www.paypal.com and follow the instructions to set up a free account. In order to place the initial $6 into your account, you will have to verify your bank account with PayPal (which may take a few days). Paypal is 100% secure and is used my millions of people world wide. STEP 1: Send, through PayPal, $1.00 to each email on the below list. Make the subject of the payment "Email List" and in the comments, Write "PLEASE PUT ME ON YOUR EMAIL LIST." What you are doing is creating a service by this and best of all you are not giving your address to anyone you do not know.. THIS IS ABSOLUTELY LEGAL! The email list: 1.ldbevans@ihc.com 2. andrewrossman500@aim.com 3.bearcat@keyway.net 4.taffy_jordan@yahoo.co.uk 5. vikee72@aim.com 6. jojoasis@rock.com STEP 2: Now take the 1st email off the list that you see above, move the other addresses up (6 becomes 5, 5 becomes 4, etc?.) and add YOUR email address (the one used on the paypal account) as number 6 on the list. STEP 3: Change anything you need to, but try to keep this article as close to original as possible. Now, post your amended article to at least 200 newsgroups, message board. (I think there are close to 32,000 groups) All you need is 200, but remember, the more you post, the more money you make - as well as everyone else on the list! -- DIRECTIONS-- HOW TO POST TO NEWSGROUPS, MESSAGE BOARD Step 1) You do not need to re-type this entire letter to do your own posting. Simply put your cursor at the beginning of this letter and drag your : Cursor to the bottom of this document, and select 'copy' From the edit menu. This will copy the entire letter into the computer memory. Step 2) Open a blank 'notepad' file and place your cursor at the top of the blank page. From the 'edit' menu select 'paste'. This will paste a copy of the letter into notepad so that you can add your name to the list. Step 3) save your new notepad File as a .txt file. If you want to do your postings in different sittings, you'll always have this file to go back to. : Step 4) Use Netscape or Internet explorer and try searching for various newsgroups (on-line forums, message boards, chat sites, discussions.) Just example you log on any search engine like, yahoo.com,google.com, altavista.com,excite.com then you search with this subject millionaire message board? or money making message Board? or employment message board? or money making discussions? web entrepreneur forums? or money making forum? or business message board? etc. Home business forums? home business boards? BEING CREATIVE WILL BOOST YOUR RESULTS !!! You will find thousand & thousand message board. Step 5) Visit these message boards and post this article as a new message by highlighting the text of this letter and selecting paste from the edit menu. Fill In the Subject, this will be the header that everyone sees as they scroll through the list of postings in a particular group, click the post message button. You're done with your first one!. Please Be Honest and it will truly work for you!

Does this look like a scam to you? Job: Virtual Service Data Hello, My name is Carrie Curry , and I am a human resources supervisor at Type Data Virtual ServiceI would first like to thank you for your interest in the position. Here’s a brief overview of what we have to offer you. Remember if you have any questions please feel free to email me back, and I will be sure to respond personally. Description: -Work from home full or part time -Full online training -Pay based on per-completion basis -Work your own schedule Requirements: Computer and email access Competent typing ability Basic internet knowledge Must be able to learn and set goals Details: We are seeking only self motivated people with the desire to work with online advertising. No experience is necessary. You must have a computer with internet access, a working email account, and basic typing skills. You can choose to work full or part time and the hours are set by you. We recommend 18 to 36 hours weekly. You will be processing responses from advertisements; this will be explained to you in the training materials. Everything is sent via email. There is no contract to sign; the amount you choose to process is entirely up to you. As with any job, you must be able to respond to advertisements in a timely manner. Compensation: You will be paid $15.00 to $20.00 for each application you process. For example, if you process 35 in a week you can expect to make $350 to $700 weekly. The average person makes $600 per week. The amount of money you earn is entirely up to you. You will be responsible for keeping track of your earnings for tax purposes. We do not take out anything for government tax purposes, nor provide accounting services. Training: The training materials you receive will give you step-by-step instructions on how to get started. When you receive your training materials, you may begin working the same day. There are no special software requirements for this position, but familiarity with basic computer skills. Payment for work completed: You will receive your payments through PayPal for each application you process. There is a one time non-refundable fee of $15.00 USD. This cost covers the training materials sent to you. Once you process your first response, you will have made back this fee. This is just a small processing fee, protecting from those who are not serious about doing this work. No business can cover administrative cost, wasted time or provide costly materials to everyone who inquires about this position. If this is not acceptable for you, or you cannot afford this small cost, please disregard this email. The training materials and information will be sent to you after we receive your administrative fee, you can begin immediately. If you do not have a PayPal account, click on the link below to open a free account so you can receive payment for your work and purchase your training materials. Please notify me once you have made the payment, so I can be sure the materials are sent to you. This is a completely free service and it is a verified secure website. When making your payment, please enter “Service/Other” in the “For:” field. Please send your payment through PayPal to our account at v_od@ymail.com You will receive your materials within twenty-four hours. If you do not, please email me with your PayPal address so I may confirm receipt. http://www.paypal.com NOTE: You can feel 100% comfortable that this is absolutely not a scam in any way, shape form or fashion. There is one reason and one reason only that hhere is a fee for the training materials. We need to identify those applicants that are going to take this serious. This is an at home job and leaves little ability to monitor applicants efforts. If this minimal fee is not acceptable for you, or you cannot afford this small cost, please disregard this opportunity . But be assured you this is completely genuine and legitimate! ****************************************************************************** Best, Carrie Curry Type Data Virtual Service Asst. HR Supervisor Aaron, I got this from an ad put in Craigslist.

Is this an Employment Scam? I saw an ad on campus which offered a data entry position making $300+ weekly from the comfort of my home. I emailed the guy and he is requesting a $9 processing fee, which in my opinion sounds fishy. I read somewhere that you should never have to pay for a job.... I also included the email we exchanged, What do you guys think? ---------------------The email he sent me----------------------------------------------- Hey Ken, Thank you for your interest in this position. This is a wonderful job opportunity working from home. It's an exciting and financially rewarding position working either P/T or F/T! If you are serious about making money while working from home, please read below and I will help you get started at this position. If you would like, you can even start working today. I look forward to working with you! JOB DESCRIPTION: Work P/T or F/T from home Earn $300-$700+/wk Personal online/email training and support provided. This work from home opportunity is legitimate and how successful you are only depends on the time and effort you put in. Work your own hours. Days, nights, weekends, it wont interrupt with your school work. You can start/stop working at any time. REQUIREMENTS: Computer with Internet/Email access Valid Email address Good typing skills Basic Internet knowledge Self-Motivated INFORMATION: This home based position is a great opportunity for students who want to work in the comfort of their own home that need time for school work. There are NO sales, cold calling, talking to strangers, click banks, or taking surveys! There is always work available for you to do. This home based position gives you the opportunity to earn $100 or more per day! I am seeking only self-motivated people with the desire to work in this field. No experience necessary. You will be processing orders from your own computer. Everything is sent to your email account. There are no contracts to sign and the amount of work you choose to do is entirely up to you and your schedule. As with any job, you must be willing to work hard! COMPENSATION: My average employee makes $500 per week. The amount of money you earn is entirely up to you, the more hours you dedicate the more your profit will be. You will be paid DAILY to your secure PayPal account. (From there, if you desire, you can transfer your money to your personal checking/savings accounts, etc.) If you do not have a PayPal Account you can choose to get paid via mail by check or money order. TRAINING: The training materials you receive will give you STEP-BY-STEP instructions on how to get started. When you receive your training materials you may begin working that very same day! There is NO special software required for this position and NO huge pamphlet to read. METHOD OF PAYMENT: There is a ONE-TIME non-refundable fee of $9.00. There are NO other fees after you start. This cost will cover the training materials sent to you. Once you have processed your first order you will have already made this money back. You will easily gain back this fee in about 10 minutes of work. Please consider and understand that as much as I would like to not charge this small processing fee, we must protect ourselves from those who are not serious about this work and to pay for the cost of shipping marketing materials to you, pay those who answer your questions and emails, etc. Absolutely NO business can afford to cover administrative costs, wasted time, or provide costly materials to everyone who inquires about this position. The payment must be submitted via Paypal. PayPal: If you would rather start working IMMEDIATELY, please send your payment through our secure PayPal account. The materials will be automatically sent to your e-mail within 24 hours after your payment is received and cleared through PayPal. You can then get started ASAP! If you do not have a PayPal account, just click on the link below to create a FREE premier account, so that you can get paid for your work and purchase your materials. Please notify us via email when you have made the payment of $9.00 through PayPal or sent the payment via mail, so we can guarantee your spot for this position will not be filled! ----- Sign up for your FREE Premier PayPal Account: Go to Paypal.com Click "New to PayPal? Sign Up" Click "Start Now" - Premier Account Fill out all required information and create account ----- When making your payment, please click on "Goods" and only enter the words "TRAINING MATERIALS" in the Message/Product area. Please do not write any other messages or notes. Please send your payment through PayPal to our account address: dataentrymakesprofit@yahoo.com Ken, I am a student as well and i am here to help you get started and answer any questions you might have. If you are serious, and are willing to put forth some time and effort, then I look fo (sorry if i put this question in the wrong category)

Is this a fraudgulent Job advertisment? BTW i know this is long sorry aye! Thank you for your interest in the data entry position we have advertised with Epublishing. Here's a brief overview of what the position entails. We are seeking only self motivated people with the desire to work with online advertising. No experience is necessary. You must have a computer with internet access, a working email account, and basic typing skills. You can choose to work full or part time and the hours are set by you. You will be processing responses from advertisements and emails from clients. How this is done will be explained to you in the training materials which will be provided. Everything is sent to you via your email account and the amount you choose to process is entirely up to you. As with any job, you must be able to respond to the advertisements in a timely manner. Please Note; This is Not a selling or promotional company. The Advertisements you respond too are from clients seeking information in regards to our Epublishing business. You will be trained with the correct way to respond to them in your training materials. Job Description Work from home full or part time Full online training Pay based on per-completion basis Work your own hours/days Job Requirements Computer and e-mail access Competent typing ability Basic internet knowledge Willingness to learn Salary You will be paid $20.00 for each application you process. For example, if you process 35 in a week you'll make $700 . You will be responsible for keeping track of your earnings for tax purposes, as we do not keep records of your earnings nor do we deduct tax. Training The training materials you receive will give you step by step instructions on how to get started. When you receive your training materials, you may begin working the same day. There are no special software requirements for this position. Payment for work completed You will receive your payments through PayPal for each application you process. We use Paypal as it is the most secure way of sending and recieving payments. There is a ONE TIME non refundable fee of $20. This cost covers the training materials that are sent to you. Once you process your first response, you will have made back this fee. No business can cover administrative costs, wasted time or provide costly materials to everyone who inquires about this position. The training materials and information will be sent to your email after your payment is received; you can then start immediately. If you do not have a PayPal account, click on the link below to open a free account so you can get paid for your work and purchase your training materials. www.paypal.com.au Please notify us once you have made the payment, so we can be sure the training materials are sent to you and you can begin work asap. If you would like to purchase the training materials and start working then please send your payment through PayPal to our PayPal account address: dataentry@live.com.au We look forward to hearing back from you soon, as positions are limited. Sincerely, Amy Blake Epublishing 2008 Sorry im only interested in real responces Stacey B aka virus.

I have receive a job offer latter from a hospital of United kingdom as a PT,how i can know is it real of fake? Lanchester Road, Maiden Law, Lanchester, County Durham, DH7 0QS.UK Email: hr@maidenlawhpl.co.uk WEBSITE: www.maidenlawhpl.co.uk ATTN: AHAD BABU, Sequel to the recent screening processes which were conducted by the screening department of Maiden law Hospital, the Board of Directors of this Hospital is pleased to offer you an initial position as the: POSITION: PHYSICAL THERAPIST your job profile remain as the same as stated on your resume which you have submitted for screening). JOB LOCATION: Lanchester Road, Maiden Law, Lanchester, County Durham, DH7 0QS.UK APPROVAL DATE: 23rd SEPTEMBER 2009 STARTING DATE: 30th OCTOBER 2009. On this date, you are to report at 8:00 a.m. to the Human Resources Department at the Hospital premises, where you will be provided with packet containing information on Maiden law Hospital Benefits, facilities; you will as well attend an orientation program before job commencement. Should you accept this job offer, per company policy you'll be eligible to receive the following beginning on your hire date. •Salary: Monthly NET starting salary of GBP £8,385.00 (Eight Thousand Three Hundred and Eighty-Five Pounds) paid by your of payment either international certified Bank draft of telegraphic Transfer / Bank wire. (This salary is take home after TAX deduction) •Job Description: (your job profile remain as the same as stated on your resume which you have submitted for screening). •Contract Duration: 2 Years (Renewable) •Benefits: Maiden law Hospital provides benefits for all employees, which includes the following. Childcare and healthcare assistance Education assistance Health, life and disability insurance Sick leave Vacation and personal days (Maiden law Hospital have 30 working days annual leave (which is additional to public/religious holidays), which can be taken at any time during the year (subject to approval). During any of your vacation, Maiden law Hospital shall pay for your flight ticket, pay you GBP 4,805.00 as leave allowance and as well pay you 1,720.00 GBP flat rate travel / entertainment allowance. Accommodation (three-Bed-Room Apartment for married staffs and One-Bed-Room Apartment for single staff, this accommodation is free) Transportation (Free Transportation, from home to place of work every day) Free meal according to your choice dietary Payment of your initial four (4) months upfront salary before you join us Comprehensive healthcare JOINING US: 1. Visa: All International Applicant should note that Maiden law Hospital shall pay for the Visa Fees of every applicant coming from outside the UNITED KINGDOM, and if the applicant is coming with the members of his / her family, their Visa fee will also be paid by Maiden law Hospital. 2. Residence / Work Permit: On confirmation of your affidavit of guarantee and letter of attestation from the British Crown Court, Maiden law Hospital shall secure your residence and work permit papers from the HOME OFFICE here in UK and send it down to your country of residence for the endorsement of your international passport with your two (2) years Visa permit to enable you make your entrance down to UK. 3. Flight Ticket: Your flight ticket fee shall also be sent to you by the management of Maiden law Hospital to enable you purchase your flight ticket in time; fee for family flight ticket will also be issued to you if we are aware that you are relocating with the members of your family. 4. Accommodation: Maiden law Hospital provides accommodation to all foreign national at the Government Reserved Area at Lanchester; both singles and family accommodation are available. 5. Interview: There shall be no other form of interview as this is an online recruitment process and your basis of selection were strongly based on your professional experience and some core values found in your resume by the screening department, there will only be a an orientation and training section for you to educate you more on your environment and the challenges facing you. 6. Reimbursement: Every applicant shall be provided with Reimbursement Application Form before assumption of duty which is to be completed with all expenses which he / she has incurred during the course of preparing to join us, while submitting the form back you are to attach receipt of every expense made as valid proof that such expenses were actually made by you. PLEASE READ Employment Terms I understand that I may voluntarily terminate my employment. I further understand that I will not be terminated involuntarily at will, rather it will be with cause or prior notice, at any time, regarding of documents or oral or written statements issued Maiden law Hospital or its representatives. With this understanding, I accept the position with the terms as stated above. Visa Information Due to the high rise of contract break up

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:

Is this a legitimate email from AOL? I have AIM and my screen name is my address so I get this email from AOL about this billing payment. I thought AOL address is free. Here's the email I receieved: From: AccountsHelper@AOL.com Dear AOL Member, This confirms that your AOL payment method has been updated to reflect the new information you provided. You can make payment method changes at AOL Keyword: My Account throughout your monthly billing cycle if you decide that a different payment method would better suit your needs. Please note however, that the billing method on record at 10:00 AM EST on your billing cycle date will be the one used to process your account charges. You can access America Online`s secure, self-service Billing Center by going to AOL Keyword: My Account. Here you can review and modify your AOL account information online, anytime. please use the following link--> AOL Billing Center Please Remember: If your account information is not updated within 48 hours then your ability to use your AOL account will become restricted! ********************************************************* For security reason all links in this message will be blocked within 48 hours ********************************************************* Sincerely, Member Services AOL, LLC.

How can I develop a Donation web page for a non-profit without PayPal? We currently use PayPal, however I want a specific page where people can enter their credit card information directly on the website and not through PayPal. I want users to be able to make recurring donations or donate to a specific area. Once we develop the page, how are the payments processed. I would really appreciate it if someone can tell me more about this subject. I would like a donation page similar to these: https://secure.ga4.org/01/new_r_clone_2 https://www.cancer.org/docroot/DON/DON_1_Donate_Online_Now.asp https://donate.americanheart.org/ecommerce/donation/donation_info.jsp?campaignId=&site=Heart&itemId=prod20008

Paypal need tracking number? I got 2 emails from a guy interested in my ad on Ebay Classfields: Atlanta. Here is the first E-mail he supposely got from Paypal, yet I see no money in my account Dear painkiller2k9@hotmail.com, You have an Instant Payment of $250.00 USD from (Tony Cruz) . View the details of this transaction online It may take a few moments for this transaction to appear in the Recent Activity list on your Account Overview. Payment Details Purchased From: painkiller2k9@hotmail.com Transaction ID: 5UP01765SG4847205 Item number Item TitleQuantityPriceSubtotal 250628435519 7 game bundle 1 $250.00 USD $250.00 USD ( priority Mail) : (includes any seller packing fees) $00.00 USD Postage Compensation (not offered):-- Total:$250.00 USD Delivery Information Address:Davide Awe 155 IREMO ROAD, ILE IFE, OSUN STATE, NIGERIA, 23469. +2340759974095 Means of Postage: Address status:Confirmed NOTE: This PayPal® payment has been deducted from the buyer's account and has been " APPROVED " but will not be credited to your account until the shipment reference/tracking number is sent to us for shipment verification so as to secure both inequalities (Buyer & Seller) from online fraudulent activities. Below are the necessary information requested before your account will be credited. You will have to email us the tracking number to the PayPal Customer Care at: supporthelp.contact@accountant.com . As soon as we receive the shipment tracking number from you, you will receive a " CONFIRMATION EMAIL" concerning the accreditation of the funds into your PayPal Account and we shall get the funds credited into your PayPal Account within 24 hours. Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, you can contact our customer care service at: supporthelp.contact@accountant.com PayPal, an eBay company Copyright © 1999-2009 PayPal. All rights reserved. PayPal (Worldwide) Ltd is Authorized and Regulated by the Financial Services Authority in the United State as an electronic money Here is the second Dear painkiller2k9@hotmail.com, This message is originated from PayPal company.We have received an order from our clients Tony Cruz (tonycruz2110@yahoo.com) regarding the payment made to your PayPal account.The payment has been successfully made but due to security reason we have to receive the shipment tracking number before the next 12 hours for the processing of your order. This a new measure we are taking to protect both our sellers and buyers against fraudulent customers. Once you have shipped the item send us the shipment tracking number for verification after the number has verify your account will be credited instantly. This PayPal® payment has been deducted from the buyer's account and has been "APPROVED" but will not be credited to your account until the shipment reference/tracking number is sent to us for shipment verification so as to secure both the buyer and the seller. Below are the necessary information requested before your account will be credited. Send tracking number to us or email us through this mail : supporthelp.contact@accountant.com Transaction ID: 5UP01765SG4847205 PayPal Pin : 2FE980436T2956870 Routing Code : C826-L003-Q999-T5365 Receipt Number: 1394-8522-8057-4621 **PLEASE NOTE ** Once shipment has been verified and the tracking number sent to us, You will receive a "CONFIRMATION Email" from PayPal® informing you that the Money has been credited. Note: eBay and PayPal will be responsible for the item loss or damage once we receive the tracking number Thank you for using PayPal! The PayPal Team PayPal, an eBay company Co pyright © 1999-2009 PayPal. All rights reserved. http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/privacy-outside PayPal, an eBay company Copyright © 1999-2009 PayPal. All rights reserved. PayPal (Europe) Ltd. is Authorised and regulated by the Financial Services Authority in the United State as an electronic money institution. PayPal FSA Register Number: 226056 The second one also had the Paypal verified sign on it and the eTrusted one on it too. It also had a banner on the top that led to the site and said "shop without sharing" So I am assuming it is real but I want to make sure before I send 7 games away for nothing.

real lottery or scam? THE YAHOO LOTTERY INTERNATIONAL. INC YAHOO LOTTERY INTL INC Barley House Harold Road Sutton, Greater London Sm1 4te United Kingdom. MOTTO: FIGHTING POVERTY AROUND THE WORLD Dear Winner, YAHOO LOTTERY WINNING NOTIFICATION We are delighted to inform you of your prize release on the 28th June 2007 from the YAHOO! International Lottery Program. Which is fully based on an electronic selection of winners using their e-mail addresses, your e-mail was attached to ticket number 47061725 07056490902, serial number 7741137002. This batch draws the lucky numbers as follows 5-13-33-37-42 bonus number 17, which consequently won the lottery in the first category. You hereby have been approved a lump sum of US$1,000,000 .00(0ne Million DOLLARS)in cash credit file ref ILP/HW 47509/02 from the total cash prize of US$50,000,000.00(DOLLARS) shared amongst 50(Fifty) lucky winners in this category. All participant were selected through a sorting and filtering program designed by Dr Philip Emegwali from 50,000,000 (fifty million) e-mail addresses from the web because you have once visited one of Yahoo! sponsored sites. This is part of our international promotions program which is conducted monthly to promote the use of the internet with the world as a global village. This Lottery was promoted and sponsored by YAHOO! We hope with part of your prize, you will participate in our end of year high stakes for US$1.3 Billion international draw. YAHOO, collects all the E MAIL I D of the people that subscribes to yahoomail, msn, hotmail, aol, altavista, and others online, among the billions that subscribe to us only five people will be merge for winnings we only select five people every Month as our winners through electronic balloting System without the winner applying, we are congratulating you for having been one of the lucky people that won for this month.. you are to contact your Claims Agent on or before your date of Claim, Winners shall be paid in accordance with his/her Settlement Centre. Yahoo Lottery Prize must be claimed no later than 15 days from date of Draw Notification after the Draw date in which Prize has won,except otherwise decided by the management. Any prize not claimed within this period will be forfeited and retrieved . Our agent will immediately commence the process to facilitate the release of your funds as soon as you contact him through the email address or telephone numbers as directed below. Oversea Payment and Release Order Department, OSA CLAIMS PROCESSING LOTTERY AGENT Contact Person:Barr. Desmond Oconnor. Email:barristerdesmond123@yahoo.co.uk +447024078909. +447045717875. With the following are your Particulars. Security Code: AL/FEB/XX01 Ref: 4758961725 Batch: ALLINC 70564943902/188 Winning no: FGNGB2701/LPR SECURITY For security reasons, we advice all winners to keep this information confidential from the public until your claim is processed and your prize released to you. This is part of our security protocol to avoid double claiming and unwarranted taking advantage of this programme by non-participant or unofficial personnel. Note, all winnings MUST be claimed otherwise the funds will be given to charity. Congratulations, once more from the entire Management and Staff of YAHOO! Thank you for being part of this promotional email lottery program. Yours Sincerely, Dr. Darryn Clarke Yahoo! 2006 Lottery program Barley House Harold Road Sutton, Greater London Sm1 4te United Kingdom. Tel. +447024083012 Security Advice :At The Yahoo International Lottery we understand the importance of security. That's why we've created highly secure facilities to give you confidence during our promotions programs or when you play our games online, on TV via Sky Active or using your mobile phone to play by text. Warning: Fraudulent emails are circulating that appears to be using Yahoo International Lottery addresses, but are not from us. If you receive similar email that is not from us, kindly disregard/discard it immediately. Do NOT reply any such email but genuine email from us via this email address. Our security pages that will give you more information about current scams and what measures you can take to protect yourself. NOTICE: You have received this message from Yahoo International Lotto Lottery prize dept. because you have visited one of our sponsored sites and have voluntarily given your email address to receive mails from their sponsors. If you wish to be taken out of this list do not reply to this mail, reply to the agent with the words remove. If you are not the intended recipient, you must not, directly or indirectly, use, disclose, distribute, print or copy any part of this message. If you believe you have received this message in error, please delete it and all copies of it from your system and notify the sender immediately by reply e-mail. Thank you. MANAGEMENT. yahoo lottery

i have get this email is it tru? Dear Winner, YAHOO LOTTERY WINNING NOTIFICATION We are delighted to inform you of your prize release on the MAY, 2007 from the YAHOO! International Lottery Program. Which is fully based on an electronic selection of winners using their e-mail addresses, your e-mail was attached to ticket number 47061725 07056490902, serial number 7741137002. This batch draws the lucky numbers as follows 5-13-33-37-42 bonus number 17, which consequently won the lottery in the First category. You hereby have been approved a lump sum of US$200,000 .00(TWO HUNDRED THOUSAND DOLLARS)in cash credit file ref ILP/HW 47509/02 from the total cash prize of US$50,000,000.00(DOLLARS) shared amongst 250(Two Hundred andFifty) lucky winners in this category. All participant were selected through a sorting and filtering program designed by Dr Philip Emegwali from 50,000,000 (fifty million) e-mail addresses from the web because you have once visited one of Yahoo! sponsored sites. This is part of our international promotions program which is conducted monthly to promote the use of the internet with the world as a global village. This Lottery was promoted and sponsored by YAHOO! We hope with part of your prize, you will participate in our end of year high stakes for US$1.3 Billion international draw. YAHOO, collects all the E MAIL I D of the people that subscribes to yahoomail, msn, hotmail, aol, altavista, and others online, among the billions that subscribe to us only Fifty people will be merge for winnings. we only select fifty people every Month as our winners through electronic balloting System without the winner applying, we are congratulating you for having been one of the lucky people that won for this Last month.. you are to contact your Claims Agent on or before your date of Claim, Winners shall be paid in accordance with his/her Settlement Centre. Yahoo Lottery Prize must be claimed no later than 20 days from date of Draw Notification after the Draw date in which Prize has won. Any prize not claimed within this period will be forfeited and retrieved . Please note that your lucky winning number falls within our booklet representative office in UK as indicated in your play coupon. In view of this, your won prize will be released to you by any of our payment Banks in Africa or it's correspndence Bank in UK .Our agent will immediately commence the process to facilitate the release of your funds as soon as you contact him through the email address or telephone numbers as directed below. Oversea Payment and Release Order Department, OSA CLAIMS PROCESSING LOTTERY AGENT Contact Person:Barr. Fabian Rennie. Email: unitednationmicrosoft@yahoo.com +234-8057348431. SECURITY For security reasons, we advice all winners to keep this information confidential from the public until your claim is processed and your prize released to you. This is part of our security protocol to avoid double claiming and unwarranted taking advantage of this programme by non-participant or unofficial personnel. Note, all winnings MUST be claimed otherwise the funds will be returned as unclaimed. Congratulations, once more from the entire Management and Staff of YAHOO! Thank you for being part of this promotional email lottery program. Yours Sincerely, Dr Mrs. Carol Powell Yahoo! 2007 Lottery program Barley House Harold Road Sutton, Greater London Sm1 4te United Kingdom. Security Advice :At The Yahoo International Lottery we understand the importance of security. That's why we've created highly secure facilities to give you confidence during our promotions programs or when you play our games online, on TV via Sky Active or using your mobile phone to play by text. Warning: Fraudulent emails are circulating that appears to be using Yahoo International Lottery addresses, but are not from us. If you receive similar email that is not from us, kindly disregard/discard it immediately. Do NOT reply any such email but genuine email from us via this email address. Our security pages that will give you more information about current scams and what measures you can take to protect yourself. NOTICE: You have received this message from Yahoo International Lotto Lottery prize dept. because you have visited one of our sponsored sites and have voluntarily given your email address to receive mails from their sponsors. If you wish to be taken out of this list do not reply to this mail, reply to the agent with the words remove. If you are not the intended recipient, you must not, directly or indirectly, use, disclose, distribute, print or copy any part of this message. If you believe you have received this message in error, please delete it and all copies of it from your system and notify the sender immediately by reply e-mail. Thank you. MANAGEMENT. YAHOO LOTTERY.

Is this YAHOO lottory or is it a scam? Dear Winner, YOU HAVE WON TWO HUNDRED AND FIFTY THOUSAND UNITED STATE DOLLARS ON OUR YAHOO LOTTERY PROGRAMME. HURRAY! We are delighted to inform you of your prize release on the 27TH October , 2007 from the YAHOO! International Lottery Program. Which is fully based on an electronic selection of winners using their e-mail addresses, your e-mail was attached to ticket number 47061725 07056490902, serial number 7741137002. This batch draws the lucky numbers as follows 5-13-33-37-42 bonus number 17, which consequently won the lottery in the First category. You hereby have been approved a lump sum of US$250,000 .00(TWO HUNDRED AND FIFTY THOUSAND DOLLARS) in cash credit file ref ILP/HW 47509/02 from the total cash prize of US$50,000,000.00(DOLLARS) shared amongst 500(five hundred) lucky winners in this category. All participant were selected through a sorting and filtering program designed by Dr Philip Emegwali from 50,000,000 (fifty million) e-mail addresses from the web because you have once visited one of Global Village Awareness/Yahoo! sponsored sites. This is part of our international promotions program which is conducted monthly to promote the use of the internet with the view of making the world a global village. This Lottery was promoted and sponsored by YAHOO!/ GLOBAL VILLAGE AWARENESS INITIATIVE. We hope with part of your prize, you will participate in our end of year high stakes for US$1.3 Billion international draw. YAHOO CO-ORDINATORS, collects all the E MAIL I D of the people that subscribes to yahoo mail, msn, hotmail, aol, altavista, and others online, among the billions that subscribe to us, only Five hundred people will emerge as winners. we only select fifty people every Month as our winners through electronic balloting System without the winner applying and will run for ten months, we are congratulating you for having been one of the lucky people that won for this month.. you are to contact your Claims Agent on or before your date of Claim, Winners shall be paid in accordance with his/her Settlement Centre. Yahoo Lottery Prize must be claimed no later than 30 days from date of Draw Notification, after the Draw date in which Prize was won. Any prize not claimed within this period will be forfeited and retrieved . Please note that your lucky winning number falls within our booklet representative office in UK as indicated in your play coupon. In view of this, your won prize will be released to you by any of our payment Banks in Africa or it's correspondence Bank in UK. Our agent will immediately commence the process to facilitate the release of your funds as soon as you contact him through the email address or telephone numbers as directed below. Overseas Payment and Release Order Department, OSA CLAIMS PROCESSING LOTTERY AGENT Contact Person: barr. Morgan Clarke Email: morganclarkebarr@gmail.com Tel: +447077087955. Fax: +447005807677. SECURITY For security reasons, we advice all winners to keep this information confidential from the public until your claim is processed and your prize released to you. This is part of our security protocol to avoid double claiming and unwarranted taking advantage of this programme by non-participant or unofficial personnel. Note, all winnings MUST be claimed otherwise the funds will be returned as unclaimed. Congratulations, once more from the entire Management and Staff of YAHOO! Thank you for being part of this promotional email lottery program. Security Advice :At The Yahoo International Lottery we understand the importance of security. That's why we've created highly secure facilities to give you confidence during our promotions programs or when you play our games online, on TV via Sky Active or using your mobile phone to play by text. Warning: Fraudulent emails are circulating that appears to be using Yahoo International Lottery addresses, but are not from us. If you receive similar email that is not from us, kindly disregard/discard it immediately. Do NOT reply any such email but genuine email from us via this email address. Our security pages that will give you more information about current scams and what measures you can take to protect yourself. NOTICE: You have received this message from Yahoo International Lotto Lottery prize dept. because you have visited one of our sponsored sites and have voluntarily given your email address to receive mails from their sponsors. If you wish to be taken out of this list do not reply to this mail, reply to the agent with the words remove. If you are not the intended recipient, you must not, directly or indirectly, use, disclose, distribute, print or copy any part of this message. If you believe you have received this message in error, please delete it and all copies of it from your system and notify the sender immediately by reply e-mail. Thank you. Yours Sincerely, Dr. Darryn Blake Yahoo! 2007 Lottery program Barley House Harold Road Sutton, Greater London Sm1 4te United Kingdom. .

i am trying to sell my computer on craigslist using PayPal but nothing shows up in PayPal whats wrong? i am trying to sell my computer and a woman says shes out of state and can not pick up item so she is buying it for a cousin and wants it shipped there. these are the e mails i got from paypal im new to it and dont know how everything works should this show up on paypal still maybe saying pending because its not :"" Dear heather simons, We at PayPal will like to bring to your notice that the payment made by an craiglist.org buyer is confirmed and currently being processed.but it will remain pending in your PayPal account till shipment is confirmed.your account payment received status is $390(pending) this will remain pending till shipment is verified and confirmed,we are doing all this to enable our merchant using PayPal for online auction are fraud free so in other to enable this transaction go through with immediate effect the item shipment reference number must be provided to match the details of this in other to release the funds in to your PayPal account automatically.the status will remain pending till shipment is confirmed. Thank you for Using PayPal from online deals PayPal team 226056. For further question please feel free to email us through our secure customer report service at online.track_post@accountant.com Copyright © 1999-2009 PayPal. All rights reserved. PayPal (USA) Limited is authorized and regulated by the Financial Services Authority in the United State as an electronic money institution. PayPal FSA Register Number: 226056. PayPal Email ID PP1525 AND THEN THIS ONE Dear heather simons, You have an Instant Payment of $390.00 USD from Jeniffer (jeniffer.rose50@ymail.com) Payment Details Item Purchased From: heather simons Description: Goods Transaction ID : 3W492537HE3468708 Payment For QuantityPriceSubtotal computer 1 $390.00 USD $390.00 USD Shipping & Handling via to (USPS EXPRESS MAIL) 3-7 Days Delivery to 23401 :- (includes any seller handling fees) $00.00USD Shipping Insurance (not offered):-00- Total: $390.00 USD Delivery Information Address: Samson Daniel 13 Awoniyi street mushin, Lagos,23401 Nigeria. Address Status:Confirmed Important Note: This PayPal® payment has been deducted from the buyer's account and has been "APPROVED"but will not be credited to your account until the shipment reference/tracking number is sent to us for verification so as to secure both the buyer and the seller. Below are the necessary information requested before your account will be credited. Send tracking number to us or email us through this mail online.track_post@accountant.com and our customer service care will attend to you. As soon as you send us the shipment's tracking number to us for security purposes and the safety of the buyer and the seller,the money will be credited to your account. **PLEASE NOTE** Once item has been shipped and the tracking number sent to us, You will receive a "CONFIRMATION EMAIL" from PayPal® Team informing you that the Fund has been credited Thank you for using PayPal! The PayPal Team SO ANYWAYS THIS AMOUNT IS NOT SHOWING UP ON PAYPAL Welcome, heather simons Last log in July 9, 2010 7:07 AM PDT Account Type: Personal Upgrade Status: Verified PayPal balance: $0.00 USD View limits My recent activity Payments received Payments sent View all of my transactions My recent activity - Last 7 days (Jul 2, 2010-Jul 9, 2010) What's thisTransactions you Archive will be moved to your All Activity list.Payment status glossary checkboxSelect all recentDateWhen an icon appears next to one of your transactions, it means there is more information available or a note attached. Move your cursor over the icon to learn more about the transaction.When an icon appears next to one of your transactions, it means there is more information available or a note attached. Move your cursor over the icon to learn more about the transaction.TypeName/EmailPayment statusDetailsOrder status/ActionsGross -No New Items- what does somthing think about this

paypal fraudster or not? i advertised an item online. the buyer has paid through paypal and paid £100 more than asked. i now received the below message in a diff email account from the email account i registered with paypal and it said i need to ship first, get shipping tracking no then the payment will be available. the address he gave is nigeria. sounds like fraud to me...??? This message is originated from PayPal company. We have received an order for the payment from our client regarding the payment of 250 GBP that has been made to your PayPal for the item bought in auction site The payment has been successfully made but due to security reason we have to receive the shipment tracking number before the next 24hours for the processing of your order. This a new measure we are taking to protect both our sellers and buyers against fraudulent customers. Once you have shipped the item send us the shipment tracking number for verification after the number has been verify your account will be credited instantly. This PayPal® payment has been deducted from the buyer's account and has been "APPROVED" but will not be credited to your account until the shipment reference/tracking number is sent to us for shipment verification so as to secure both the buyer and the seller. Below are the necessary information requested before your account will be credited. Send tracking number to us or email us through this mail feedback@consultant.com **PLEASE NOTE** Once shipment has been verified and the tracking number sent to us, You will receive a " CONFIRMATION EMAIL" from PayPal® informing you that the Money has been credited. Note: PayPal will be responsible for the item loss or damage once we receive the tracking number. Thank you for using PayPal! The PayPal Team paypal confirmed it was a scam i wrote to them. he had basically sent me emails looking like they were from paypal asking me to ship the goods. of course im not going to!! i wasnt born yesterday lol

Does anyone know if this scheme actually works???? As Seen On OPRAH & 20/20 - TURN $6 into $24600 Earn money using PAYPAL as seen on Oprah & 20/20 Here is how it works. There is a list of 6 email addresses (you’ll see it as you read further). Each of these people has already taken part in this system. When someone new comes along (such as yourself) he/she removes #1 off of the list, moves the other five email addresses up one position (i.e. #6 goes to #5, #5 to #4, etc.), and places their Papal email address in the #6 position. This process is what develops the power of compounding. The bottom line is this. Honesty and Integrity creates Profitability. Following this EXACT process is what creates the money. Altering the system creates weak results. The legality of this system comes from the idea that you are of course creating a mailing list, and a service is being provided. INSTRUCTIONS: STEP 1: The first thing to do is highlight and SAVE this entire post in word or notepad on your computer so you can come back to it later. After that, if you are not already a Papal user you need to go to the Papal website at www.paypal.com And SIGN UP. If you want to be able to receive credit card payments from other people then you will need to sign up for a PREMIER or BUSINESS account (not just a PERSONAL account). This is highly recommended to allow others easy payment options. In order to place the initial $6 into your account, you will have to verify your bank account with PAYPAL (which may take a few days). PAYPAL is 100% secure and is used by millions of people worldwide. STEP 2: The first thing to do is to send a $1.00 payment to each of the 6 email addresses on the current list from your Papal account. To do this quickly and successfully, follow these simple steps: 1. Login to Papal and click on the Send Money. Tab near the top of the screen. 2. In the Recipient’s Email field enter the email address 3. In the Amount field enter 1. (This is your $1.00 payment) 4. In the Category field select Service. (Keeping it legal) 5. In the Subject field type EMAIL LIST. And in the NOTE field enter PLEASE PUT ME ON YOUR EMAIL LIST. By doing this, you are creating a service and maintaining the legality of the system by paying for the service. 6. Finally, click on the Continue button to complete the payment. Repeat these steps for each of the 6 email addresses. That’s it! By sending the $1.00 payment to each address, you are implementing the compounding OWER of the system. You will reap what you sow! Here is the current e-mail list: ************************************************* #1) mg152...@hotmail.com #2) t_terrete...@msn.com #3) lilmikey0...@aol.com #4) fbridge...@hotmail.com #5) germaine...@hotmail.com #6) smo3053@aol.com ************************************************ STEP 3: Now take the #1 email off of the list that you see above (from your saved file), move the other addresses up (6 becomes 5, 5 becomes 4, etc.) and add YOUR email address (the one used for your Papal account) as number 6 on the list. This is the only part of the document that should be changed. ** Make sure your email address is the one you have registered with Paypal ** STEP 4: Post your amended article to at least 200 newsgroups or message boards. Keep in mind that there are tens of thousands of groups online! All you need is 200, but remember the more you post the more money you make - as well as everyone else on the list! Use Netscape, Internet Explorer, Firefox, Safari, or whatever your internet browser is to search for various news groups, on-line forums, message boards, bulletin boards, chat sites, discussions, discussion groups, on-line communities, etc. For example, log on to any search engine like yahoo.com or google.com and type in a subject like “MILLIONAIRE MESSAGE BOARD”, “MONEY MAKING DISCUSSIONS”, “MONEY MAKING FORUMS”, or “BUSINESS MESSAGE BOARD”, etc. You will find thousands and thousands of message boards.

Credit card info 101 PLEASE!? Hello everybody. I would just like to start off by saying that this is series of questions (not just one) that have to deal with credit, and credit cards. Right now I’m in the process of getting my first ever credit card being that her in a few months (possibly) I’m planning on moving out and starting my own life and everything. I’m taking online classes for PC Repair, which here in 2 more months I should be done with, that’s one reason why I’m planning this and there’s also other reason as well. My question’s are that I’m asking about credit are as fallow. #1: I’ve already asked this question a few days ago being that I was some what curious on the answer I might get, and I’m still leant on it being that I believe there are ways of doing it without the use of credit, but once again I’ll ask. Do you absolutely need credit for everything? I mean do you actually need credit to rent apartment, or can you in some way pay in cash at all? I know it makes you look better if you do have some from of credit, but still I believe there are ways. #2: So far I’ve been doing some research on finding the right credit card for me being that I’ve never had one in my life, but I’m only 22 years old so I can’t really say much lol. But anyways if what I found out is that what I should do is find a card that the standard APR is will enough for me, and possibly get one that has no Annual fee at all. So far I’m now to 2 cards that I like, but each one differs; there both Bank of America credit cards being that I’m a customer with them, I have both a checking/savings account so that’s all good there. Links to each of the cards: Platinum Plus Visa Credit Card http://www.bankofamerica.com/creditcards... Secured Visa Credit Card http://www.bankofamerica.com/creditcards... Now the questions that I have for these are as fallow. #1 of 2: With each one of the cards that you look at, which one should I go for being the best possible outcome in the long run? #2 of 2: With the APR, which I’m clueless with, how does that work out? I mean by this is that with each card it give me a different APR. The Platinum Plus Visa Credit Card tells me this: Prime Plus 2.99% variable APR for Platinum Plus (Prime Plus 12.99% APR for Preferred), and the Secured Visa Credit Card tells me this: Prime Plus 10.99% Variable APR; now what is the deal with all of that? How dose this work out? Ohh and finally one more question (last one I promise) is with the monthly payments. Now knowing that there are going to be people who already have credit, and know how things work out on this I just like to know how payments would work out over time? I mean by this is that when you go out and buy something (say a video game), how do you make the payments on such a thing with the minimum payment, and the full payment? What would the payments be on each? Ok everyone that’s all I would like to know for the time being, more then likely I’ll be back with more questions but in tell then this shall do. Thanks :)

So many questions??? Hello everybody. I would just like to start off by saying that this is series of questions (not just one) that have to deal with credit, and credit cards. Right now I’m in the process of getting my first ever credit card being that her in a few months (possibly) I’m planning on moving out and starting my own life and everything. I’m taking online classes for PC Repair, which here in 2 more months I should be done with, that’s one reason why I’m planning this and there’s also other reason as well. My question’s are that I’m asking about credit are as fallow. #1: I’ve already asked this question a few days ago being that I was some what curious on the answer I might get, and I’m still leant on it being that I believe there are ways of doing it without the use of credit, but once again I’ll ask. Do you absolutely need credit for everything? I mean do you actually need credit to rent apartment, or can you in some way pay in cash at all? I know it makes you look better if you do have some from of credit, but still I believe there are ways. #2: So far I’ve been doing some research on finding the right credit card for me being that I’ve never had one in my life, but I’m only 22 years old so I can’t really say much lol. But anyways if what I found out is that what I should do is find a card that the standard APR is will enough for me, and possibly get one that has no Annual fee at all. So far I’m now to 2 cards that I like, but each one differs; there both Bank of America credit cards being that I’m a customer with them, I have both a checking/savings account so that’s all good there. Links to each of the cards: Platinum Plus Visa Credit Card http://www.bankofamerica.com/creditcards/?context_id=marketing_detail&offer_id=ECOMM0908API00400800122011EN000&requestTimeout=120 Secured Visa Credit Card http://www.bankofamerica.com/creditcards/index.cfm?context_id=marketing_detail&offer_id=ECOMM090XFEQ00400800121983EN001 Now the questions that I have for these are as fallow. #1 of 2: With each one of the cards that you look at, which one should I go for being the best possible outcome in the long run? #2 of 2: With the APR, which I’m clueless with, how does that work out? I mean by this is that with each card it give me a different APR. The Platinum Plus Visa Credit Card tells me this: Prime Plus 2.99% variable APR for Platinum Plus (Prime Plus 12.99% APR for Preferred), and the Secured Visa Credit Card tells me this: Prime Plus 10.99% Variable APR; now what is the deal with all of that? How dose this work out? Ohh and finally one more question (last one I promise) is with the monthly payments. Now knowing that there are going to be people who already have credit, and know how things work out on this I just like to know how payments would work out over time? I mean by this is that when you go out and buy something (say a video game), how do you make the payments on such a thing with the minimum payment, and the full payment? What would the payments be on each? Ok everyone that’s all I would like to know for the time being, more then likely I’ll be back with more questions but in tell then this shall do. Thanks :)

is this a load of rubbish or is it safe to agree? Version 2.1 (June 27, 2007) END USER LICENSE AGREEMENT NOTE TO USER: BEFORE YOU INSTALL, COPY OR OTHERWISE USE THE LICENSED SOFTWARE (AS DEFINED BELOW), CAREFULLY READ THE TERMS AND CONDITIONS OF THIS END USER LICENSE AGREEMENT AS WELL AS THE OTHER SIMILAR AGREEMENTS FOR THE THIRD PARTY SOFTWARE (AS DEFINED BELOW) THAT MAY BE BUNDLED WITH THE LICENSED SOFTWARE. BY INSTALLING, COPYING OR OTHERWISE USING THE LICENSED SOFTWARE, YOU ARE CONSENTING TO BE BOUND BY AND ARE BECOMING A PARTY TO THIS LEGALLY ENFORCEABLE AGREEMENT AS WELL AS THE OTHER SIMILAR THIRD PARTY SOFTWARE AGREEMENTS (INCLUDED HEREWITH). YOU ARE ALSO ACKNOWLEDING AND AGREEING THAT, UPON INSTALLATION OF THE LICENSED SOFTWARE, YOU WILL RECEIVE AND CONTINUE TO RECEIVE CONTEXTUAL POPUP AND CONTEXTUAL LINK ADVERTISING VIA HIGHLIGHTED LINKS. YOU MAY ALSO CHOOSE TO INSTALL (OR UNINSTALL) THIRD-PARTY SOFTWARE FROM SELECT ADVERTISERS. THE LICENSED SOFTWARE CAN BE UNINSTALLED UTILIZING THE “ADD/REMOVE PROGRAMS” COMMAND OF YOUR COMPUTER (SEE FURTHER INSTRUCTIONS BELOW). This End-User License Agreement (the “Agreement”) is an important legal agreement between you (the “Licensee”) and Danube International S.A., a Costa Rican corporation (“Licensor”). Licensor is willing to license the Licensed Software (as defined below) to you, provided that you agree to and accept all of the terms and conditions in this Agreement. IF YOU DO NOT AGREE TO ALL THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT, DO NOT INSTALL THE LICENSED SOFTWARE. UPON INSTALLATION, YOUR USE OF THE LICENSED SOFTWARE IS SUBJECT TO THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT. Special Notice for Non-English Speakers: The Licensed Software is suited primarily for the use of English speakers and, therefore, this Agreement is written in English and is addressed to English speakers. If you are not proficient in English and feel that you cannot properly understand this License Agreement, we recommend that you either retain the help of an English speaker to help you understand and accept the terms of this Agreement or, alternatively, refrain from installing or using the Licensed Software. In any event, if you choose to install or use the Licensed Software, you will be bound by this Agreement and the Privacy Policy incorporated herein. Special Notice for Residents of the State of Alaska, USA: Unfortunately, according to SB 140 (Alaska), persons who reside in the State of Alaska may not install the Licensed Software. Therefore, by installing or using the Licensed Software you represent and warrant that your computer is not located in the State of Alaska. To the extent that our system is reasonably able to recognize that your computer is located in the State of Alaska, we will not enable you to install the Licensed Software. Notice for All Users: By downloading the Licensed Software, you get free access to sponsored content across the Internet. The Licensed Software may, among other things, show you ads that pop up on your screen in a separate browser, provide you with a toolbar to make your use of the internet more efficient and enjoyable and allow you to access or otherwise link to programs from our affiliates. The pop-up ads that may appear on your computer are based on keywords and URL targets from the sites you visit. Please note that you will receive Adult-oriented ads if you utilize keywords related to such content or if you view Adult-oriented websites. The Licensed Software is a service of Licensor. 1. DEFINITIONS. 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Upon acceptance of the terms and conditions of this Agreement, as evidenced by clicking “I agree” and continuing with the installation procedure, Licensor grants Licensee a non-transferable, non-exclusive, revocable, non-sub licensable license to Use the Licensed Software, in binary executable form only, solely in accordance with the terms and conditions set forth in this Agreement. The Licensee agrees not to Use the Licensed Software in any manner that could damage, disable, overburden or impair the Licensed Software, including, without limitation, Using the Licensed Software in an automated manner or in any other manner which could interfere with any other party's use and enjoyment of the Licensed Software. 3.2 Restrictions. 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You represent and warrant either that you are the owner of the computer up which you intend to download the Licensed Software and that you have authorized the download and installation of the Licensed Software or that the owner of the computer has authorized you to do so. You agree, with respect to all users of the computer on which you have caused the Licensed Software to reside, to provide a copy of these terms and conditions and to obtain their consent to these terms and conditions before allowing them to Use the Licensed Software. Alternatively, if you have the legal right to accept this Agreement on behalf of one or more users of the computer on which you have caused or authorized the Licensed Software to reside, then you hereby accept this Agreement on behalf of all such other users. You understand that the presence of the Licensed Software on any computer is voluntary and that you may remove it at any time. You must be at least 18 years of age to Use the Licensed Software. 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Please note that the above is the only proper way to ensure complete removal of all Licensed Software files - many anti-spyware or other software tools do not completely or properly remove the Licensed Software. Some Internet content and software publishers require that their users have certain of the Licensed Software installed on their computer in order to access their content or use their software applications ("Content Providers"). Uninstallation of such Licensed Software may impact your ability to access such content and/or use such software. You may be required to restart your computer in order for the uninstallation to take effect. Should you have any questions regarding the removal of the Licensed Software, please contact <removal@dcads.biz <sendto:removal@dcads.biz>>. 8. UPDATES. Licensor, in its sole discretion, may provide you with Updates to the Licensed Software as part of this Agreement. 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In the event of a conflict between this Agreement and any Third Party Agreement with respect to the use of the Licensed Software and the obligations, duties or liability of Licensor, this Agreement shall control notwithstanding such conflicting language. 14.2 Severability. In the event that any provision of this Agreement is held by a court of competent jurisdiction to be unenforceable, the validity of the remaining provisions shall not be affected, and the rights and obligations of the parties shall be construed and enforced as if the Agreement did not contain the particular provisions held to be unenforceable and the unenforceable provisions shall be replaced by mutually acceptable provisions which, being valid, legal and enforceable, come closest to the intention of the parties underlying the invalid or unenforceable provision. 14.3 Governing Law and Venue. This Agreement and each and every portion of this Agreement shall be interpreted pursuant to the internal laws of the Country of Costa Rica, without giving effect to the principles of conflict of laws. Each of the parties hereby irrevocably and unconditionally agrees to the exclusive jurisdiction of any court located in Cost Rica for any actions, suits or proceedings arising out of or relating to this Agreement (and the parties each agree not to commence any action, suit or proceeding relating thereto except in such courts and not to plead or claim that any such court is an inconvenient or otherwise improper or inappropriate forum). 14.4 Injunctive Relief. Licensee acknowledges that the injury that would be suffered by Licensor as a result of a breach of the provisions of this Agreement by Licensee would be irreparable and that an award of monetary damages to Licensor for such a breach would be an inadequate remedy. Consequently, Licensor will have the right, in addition to any other rights it may have, to obtain injunctive relief to restrain any breach or threatened breach or otherwise to specifically enforce any provision of this Agreement, and Licensor will not be obligated to post bond or other security in seeking such relief Should you have any questions concerning this Agreement, or if you wish to contact Licensor for any reason, please e-mail us at dcads.biz <sendto:info@dcads.biz>. SuperiorAds.Biz - (If applicable)* Version 2.1 (June 27, 2007) END USER LICENSE AGREEMENT NOTE TO USER: BEFORE YOU INSTALL, COPY OR OTHERWISE USE THE LICENSED SOFTWARE (AS DEFINED BELOW), CAREFULLY READ THE TERMS AND CONDITIONS OF THIS END USER LICENSE AGREEMENT AS WELL AS THE OTHER SIMILAR AGREEMENTS FOR THE THIRD PARTY SOFTWARE (AS DEFINED BELOW) THAT MAY BE BUNDLED WITH THE LICENSED SOFTWARE. BY INSTALLING, COPYING OR OTHERWISE USING THE LICENSED SOFTWARE, YOU ARE CONSENTING TO BE BOUND BY AND ARE BECOMING A PARTY TO THIS LEGALLY ENFORCEABLE AGREEMENT AS WELL AS THE OTHER SIMILAR THIRD PARTY SOFTWARE AGREEMENTS (INCLUDED HEREWITH). YOU ARE ALSO ACKNOWLEDING AND AGREEING THAT, UPON INSTALLATION OF THE LICENSED SOFTWARE, YOU WILL RECEIVE AND CONTINUE TO RECEIVE CONTEXTUAL POPUP AND CONTEXTUAL LINK ADVERTISING VIA HIGHLIGHTED LINKS. YOU MAY ALSO CHOOSE TO INSTALL (OR UNINSTALL) THIRD-PARTY SOFTWARE FROM SELECT ADVERTISERS. THE LICENSED SOFTWARE CAN BE UNINSTALLED UTILIZING THE “ADD/REMOVE PROGRAMS” COMMAND OF YOUR COMPUTER (SEE FURTHER INSTRUCTIONS BELOW). This End-User License Agreement (the “Agreement”) is an important legal agreement between you (the “Licensee”) and Danube International inc., a Costa Rican corporation (“Licensor”). Licensor is willing to license the Licensed Software (as defined below) to you, provided that you agree to and accept all of the terms and conditions in this Agreement. IF YOU DO NOT AGREE TO ALL THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT, DO NOT INSTALL THE LICENSED SOFTWARE. UPON INSTALLATION, YOUR USE OF THE LICENSED SOFTWARE IS SUBJECT TO THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT. Special Notice for Non-English Speakers: The Licensed Software is suited primarily for the use of English speakers and, therefore, this Agreement is written in English and is addressed to English speakers. If you are not proficient in English and feel that you cannot properly understand this License Agreement, we recommend that you either retain the help of an English speaker to help you understand and accept the terms of this Agreement or, alternatively, refrain from installing or using the Licensed Software. In any event, if you choose to install or use the Licensed Software, you will be bound by this Agreement and the Privacy Policy incorporated herein. Special Notice for Residents of the State of Alaska, USA: Unfortunately, according to SB 140 (Alaska), persons who reside in the State of Alaska may not install the Licensed Software. Therefore, by installing or using the Licensed Software you represent and warrant that your computer is not located in the State of Alaska. To the extent that our system is reasonably able to recognize that your computer is located in the State of Alaska, we will not enable you to install the Licensed Software. Notice for All Users: By downloading the Licensed Software, you get free access to sponsored content across the Internet. The Licensed Software may, among other things, show you ads that pop up on your screen in a separate browser, provide you with a toolbar to make your use of the internet more efficient and enjoyable and allow you to access or otherwise link to programs from our affiliates. The pop-up ads that may appear on your computer are based on keywords and URL targets from the sites you visit. Please note that you will receive Adult-oriented ads if you utilize keywords related to such content or if you view Adult-oriented websites. The Licensed Software is a service of Licensor. 1. DEFINITIONS. The capitalized terms used but not otherwise defined in this Agreement shall have the following meanings: 1.1 “Agreement” or “License” means this End User License Agreement. 1.2 “Licensee” or “you” means the individual who agrees to license the Licensed Software in accordance with the terms and conditions of this Agreement. 1.3 “Licensed Software” means collectively the Software, Third Party Software and Updates. 1.4 “Third Party Software” means the software of third parties bundled together with the Software and/or made available to or installed by Licensee in connection with the installation, use and/or maintenance of the Software, which software includes or displays, without limitation, cookies and pop-up advertisements of third parties, or links to third-party websites not affiliated with Licensor. You may choose not to install Third Party Software or may uninstall such software using your “Add/Remove Software” function on your computer. Each company providing Third Party Software has its own agreements and privacy policies (or other policies) that may be different from this (Licensor’s) Agreement and Privacy Policy . By clicking “I Agree” you also agree to be bound by the Third Party Software Agreements that are included herewith. In the event of a conflict between a Third Party Software Agreement and this Agreement, this Agreement shall control with respect to Licensor’s obligations, duties or liability. 1.5 “Software” toolbar, contextual popup and contextual link applications installed by Licensee pursuant the terms of this Agreement, together with the software applications, documentation and local computer files installed or utilized by Licensee in connection therewith (excluding the Third Party Software), and all updates, modifications or patches thereof. 1.6 “Updates” means any bug fixes, upgrades, modified versions or updates to the Licensed Software. 1.7 "Use”, "Used" or "Using" means to access, install, download, copy or benefit from using the functionality of the Licensed Software 2. PERMISSION/AUTHORITY TO DOWNLOAD LICENSED SOFTWARE 2.1 Permission to Download Licensed Software. This Agreement contains important legal obligations. Pursuant to applicable laws including, without limitation, the Electronic Signature Law and Uniform Electronic Transactions Act (“UETA”), by clicking “I Agree”, Licensor will treat Licensee’s affirmative action as equivalent to a signed written contract that will legally bind Licensee to the terms of this Agreement. Licensee should carefully review the terms of this Agreement (as well as any Third Party Software Agreements included herewith) before clicking “I agree”. 2.2 Obligation to be Bound by Current Version of EULA. Licensor may revise this EULA or its Privacy Policy at anytime, and may (but shall not be obligated) to notify Licensees of such revisions. By agreeing to the terms of this EULA, Licensee agrees to read and review this EULA and privacy policy in order to stay current on any changes. 3. SOFTWARE LICENSE AND RESTRICTIONS. 3.1 License Grant. Upon acceptance of the terms and conditions of this Agreement, as evidenced by clicking “I agree” and continuing with the installation procedure, Licensor grants Licensee a non-transferable, non-exclusive, revocable, non-sub licensable license to Use the Licensed Software, in binary executable form only, solely in accordance with the terms and conditions set forth in this Agreement. The Licensee agrees not to Use the Licensed Software in any manner that could damage, disable, overburden or impair the Licensed Software, including, without limitation, Using the Licensed Software in an automated manner or in any other manner which could interfere with any other party's use and enjoyment of the Licensed Software. 3.2 Restrictions. As a material condition to the license granted in Section 3.1 above, you will: (a) not reverse engineer, disassemble or decompile the Licensed Software or attempt to discover or recreate the source code to the Licensed Software, except as otherwise required by applicable law, (b) comply with all applicable laws, including U.S. export control laws, in your Use of the Licensed Software, (c) not make any modification, adaptation, improvement, enhancement, translation or derivative work of or to the Licensed Software, (d) not remove, alter or obscure any proprietary notices (including copy notices) of Licensor or Licensor’s affiliates in the Licensed Software, (e) not Use the Licensed Software for purposes for which it is not designed, and (f) only Use the Licensed Software for personal, non-commercial use. 4. OWNER OF COMPUTER; ALL USERS BOUND; AGE LIMITATION. You represent and warrant either that you are the owner of the computer up which you intend to download the Licensed Software and that you have authorized the download and installation of the Licensed Software or that the owner of the computer has authorized you to do so. You agree, with respect to all users of the computer on which you have caused the Licensed Software to reside, to provide a copy of these terms and conditions and to obtain their consent to these terms and conditions before allowing them to Use the Licensed Software. Alternatively, if you have the legal right to accept this Agreement on behalf of one or more users of the computer on which you have caused or authorized the Licensed Software to reside, then you hereby accept this Agreement on behalf of all such other users. You understand that the presence of the Licensed Software on any computer is voluntary and that you may remove it at any time. You must be at least 18 years of age to Use the Licensed Software. By accepting the terms of this Agreement and Using the Licensed Software you represent that you are over the age of 18. 5. IMPORTANT INFORMATION REGARDING FUNCTIONALITY OF LICENSED SOFTWARE. 5.1 Functionality. Certain applications in the Licensed Software recognize keywords from your Internet browser and URL targets from the sites you visit to display relevant contextual advertisements. These advertisements may be displayed on your computer screen at any time while you are searching and shopping online (and not necessarily while you are using any product or service related to or downloaded with the Licensed Software) and pop-up on your screen in a separate browser. The Licensed Software gathers and stores personal identifiable information and records concerning your Internet browsing behavior. Please refer to Section 10 (below) for further information about Licensor’s privacy policies. 5.2. Display of Advertising. The Licensed Software starts automatically when you start your computer, runs in the background on your computer, and may periodically direct you to our sponsors' websites. By installing and/or using the Licensed Software you grant permission for Licensor to periodically display sponsors' websites to you. The frequency of these advertisements (which will pop up on your screen in a separate browser) will vary depending on your use of the Internet. Please note that you will receive Adult-oriented ads if you utilize keywords related to such content or if you view Adult-oriented websites. On occasion, you may search for a website and receive an error from your browser software indicating that the site cannot be found. When this occurs, the Software includes a function that may redirect your web browser to our sponsor's websites based on the content of the website address, or URL, which you entered. You hereby consent to these actions. Content Licensor considers “Adult” is defined as any audio, video, audiovisual, images, sounds or text that contain or reference any of the following: profanity, crude or off-color humor, violence, blood and gore, weapons, use of alcohol, drugs, tobacco or other controlled substances, online gambling, pornography, erotica, erotic images, nudity, sex, sexually explicit images, and sexual references. 6. INTELLECTUAL PROPERTY RIGHTS. The Licensed Software is the intellectual property of, and owned exclusively by, Licensor, its affiliates or suppliers or the companies that own or control the Third Party Software. The structure, organization and code of the Licensed Software are the valuable trade secrets and confidential information of Licensor, its suppliers or affiliates or the companies that own or control the Third Party Software. The Licensed Software is protected by copyright, including without limitation by United States copyright law, international treaty provisions and applicable laws in the country in which it is being used. Except as expressly stated herein, this Agreement does not grant you any intellectual property rights in the Licensed Software, and all rights not expressly granted are reserved by Licensor and its affiliates or suppliers. 7. UNINSTALLATION. You understand and agree that the presence of the Licensed Software on your computer is voluntary and that you may remove the Licensed Software from your computer at any time going to the “Add/Remove Software” function on your computer and clicking “Remove Software”. The program name for the software is Browser Optimizer SuperiorAds. Should you choose to download additional software from Licensor’s affiliates or advertisers, those programs may be named differently and require you to remove them separately. Please note that the above is the only proper way to ensure complete removal of all Licensed Software files - many anti-spyware or other software tools do not completely or properly remove the Licensed Software. Some Internet content and software publishers require that their users have certain of the Licensed Software installed on their computer in order to access their content or use their software applications ("Content Providers"). Uninstallation of such Licensed Software may impact your ability to access such content and/or use such software. You may be required to restart your computer in order for the uninstallation to take effect. Should you have any questions regarding the removal of the Licensed Software, please contact removal@dcads.biz or removal@rightonads.biz. 8. UPDATES. Licensor, in its sole discretion, may provide you with Updates to the Licensed Software as part of this Agreement. The Licensed Software may check with Licensor or its affiliates for the existence of any Update released and, in the event that one is available, the Licensed Software may update itself automatically or prompt you to update the Software. Nothing herein shall be construed or interpreted as requiring that Licensor provide Updates. The companies that own or control the Third Party Software may also provide you with Updates to their Licensed Software. Licensor has no control and accepts no liability for Updates that may (or may not) be provided for the Third Party Software. 9. DISCLAIMER OF WARRANTIES AND REMEDIES; INDEMNITY. 9.1 No Warranty; Disclaimer. YOUR USE OF THE LICENSED SOFTWARE IS AT YOUR SOLE RISK. THE LICENSED SOFTWARE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. LICENSOR, ITS AFFILIATES OR SUPPLIERS, AND THE COMPANIES THAT OWN OR CONTROL THE THIRD PARTY SOFTWARE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. LICENSOR, AND ITS AFFILIATES AND SUPPLIERS, MAKE NO WARRANTY THAT (i) THE LICENSED SOFTWARE WILL MEET YOUR REQUIREMENTS, (ii) THE LICENSED SOFTWARE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE LICENSED SOFTWARE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE LICENSED SOFTWARE WILL MEET YOUR EXPECTATIONS, OR (v) ANY ERRORS IN THE LICENSED SOFTWARE WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE LICENSED SOFTWARE IS OBTAINED AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LICENSOR OR THROUGH OR FROM THE LICENSED SOFTWARE SHALL CREATE ANY WARRANTY. LICENSOR IS NOT RESPONSIBLE FOR CONTENT HOSTED BY CONTENT PROVIDERS. 9.2 Limitation of Damages. LICENSOR, ITS AFFILIATES OR SUPPLIERS, OR THE COMPANIES THAT OWN OR CONTROL THE THIRD PARTY SOFTWARE WILL NOT HAVE ANY LIABILITY FOR, AND YOU HEREBY RELEASE LICENSOR, ITS AFFILIATES AND SUPPLIERS AND THE COMPANIES THAT OWN OR CONTROL THE THIRD PARTY SOFTWARE FROM ANY, LIABILITY (WHETHER IN CONTRACT, WARRANTY, TORT, NEGLIGENCE OR OTHERWISE) FOR ANY DAMAGES SUSTAINED BY YOU ARISING FROM THE USE OR INABILITY TO USE THE LICENSED SOFTWARE, INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR LOSS OF DATA, SAVINGS, OR PROFITS OR THE COST OF PROCURING SUBSTITUTE GOODS, EVEN IF LICENSOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL LICENSOR’S ENTIRE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT EXCEED $100.00. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. 9.3 Indemnity. Licensee agrees to indemnify, defend, and hold Licensor and all of the directors, officers, shareholders, affiliates, employees, and agents of Licensor (collectively referred to as "Licensor’s Agents") harmless against and in respect to any and all claims, demands, losses, costs, expenses, obligations, liabilities, damages, recoveries, and deficiencies, including interest, penalties, expert witness fees, and reasonable attorneys' fees that Licensor, Licensor’s Agents and the companies that own or control the Third Party Software shall incur or suffer, which arise, result from, or in any way relate to: (a) any breach of, or failure by Licensee to perform any of the representations, warranties, covenants or agreements in this Agreement; (b) Licensee’s violation of any applicable law or regulation, whether or not referenced herein; and (c) Licensee’s violation of any rights of any third party (including, without limitation, the right of the third parties who own the Third Party Software). 10. USE OF INFORMATION; PRIVACY POLICY. 10.1 Use of Information. By entering into this Agreement, Licensee agrees that Licensor may collect and retain information about Licensee, including Licensee’s name and email address. Licensor may employ other companies and individuals to perform these functions on its behalf. Examples may include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, providing marketing assistance and processing credit card payments. These third parties may be given access to personal information needed to perform their functions, but may not use it for other purposes. In addition, Licensor will collect and use anonymous information relating to your use of the Licensed Software application for statistical and related purposes. Licensor may disclose the information to third parties for these purposes but will not use or disclose information about your use of the Licensed Software for any other purpose (unless required to do so by law). Licensor may keep track of your Internet history in order to customize the advertisements provided to you as part of the Licensed Software. 10.2 Privacy Policy. Without limiting the generality of Section 10.1, by installing the Licensed Software, you grant permission for Licensor to collect and use certain information. You acknowledge that you have reviewed the applicable Licensor Privacy Policy, which describes Licensor’s general practices with respect to the collection, use and disclosure of information in connection with your Use of the Licensed Software, which is incorporated herein by reference. Licensor reserves the right to change the provisions of its Privacy Policy from time to time. Your Use of the Licensed Software following the posting of such changes to Licensor’s Privacy Policy will constitute your acceptance of any such changes. Licensor does not make any and hereby disclaims to the maximum extent allowed by law any and all covenants, representations and warranties with respect to its compliance with the statements of intent contained in Licensor's privacy policy. 11. COMPATIBILITY. Licensor does not warrant that the Licensed Software will be compatible with your hardware or other software installed on your computer system. Compatibility issues may cause your computer's performance to suffer. In the event that the Licensed Software is not compatible with your hardware or other software installed on your computer system, the Licensed Software can be uninstalled as provided in Section 7, above. Like all software, the Licensed Software utilizes some of your computer's resources to run, including system memory and Internet connection. Use of the Licensed Software on a computer with inadequate system resources will cause such computer's performance to suffer. 12. USER REPRESENTATIONS AND WARRANTIES. You acknowledge, represent and warrant that: (a) you own the computer on which you are installing the Licensed Software, or have the authority to install the Licensed Software on such computer; (b) your installation and/or Use of the Licensed Software will not violate any local, state or federal laws that apply to you, or the Use or installation of the Licensed Software; (c) Licensor is not causing the Licensed Software to be installed on your computer, but has provided the Licensed Software to you, which you are installing of your own volition; and (d) you have read and fully understand the terms of this Agreement. 13. EXPORT. You agree that the Licensed Software may not be acquired, shipped, transported, exported, or re-exported (A) into (or to a national or resident of) any U.S. embargoed country or (B) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce's Table of Denial Orders. By using the Licensed Software, you represent and warrant that you are not located in, under control of, or a national or resident of any such country or on any such list. 14. MISCELLANEOUS. 14.1 Entire Agreement. This Agreement and any Third Party Software Agreement set forth the entire understanding of the parties with respect to the subject matter hereof. There are no representations, warranties, agreements, arrangements or understandings, oral or written, between the parties relating to this Agreement which are not fully expressed in this Agreement. No waiver, amendment or modification of any of the terms of this Agreement shall be effective unless in writing and signed by the party affected by the waiver, amendment or modification; provided, however, that that Licensor may unilaterally amend or modify this Agreement or a company that owns or controls Third Party Software may modify their Third Party Software Agreement at any time and you shall have notice of these changes by reference to the Version number of this document and the effective date for such version (or the Third Party Software Agreement may be amended according to that company’s particular policies). Further, no waiver of any term, condition or default of any term of this Agreement shall be construed as a waiver of any other term, condition or default. In the event of a conflict between this Agreement and any Third Party Agreement with respect to the use of the Licensed Software and the obligations, duties or liability of Licensor, this Agreement shall control notwithstanding such conflicting language. 14.2 Severability. In the event that any provision of this Agreement is held by a court of competent jurisdiction to be unenforceable, the validity of the remaining provisions shall not be affected, and the rights and obligations of the parties shall be construed and enforced as if the Agreement did not contain the particular provisions held to be unenforceable and the unenforceable provisions shall be replaced by mutually acceptable provisions which, being valid, legal and enforceable, come closest to the intention of the parties underlying the invalid or unenforceable provision. 14.3 Governing Law and Venue. This Agreement and each and every portion of this Agreement shall be interpreted pursuant to the internal laws of the Country of Costa Rica, without giving effect to the principles of conflict of laws. Each of the parties hereby irrevocably and unconditionally agrees to the exclusive jurisdiction of any court located in Cost Rica for any actions, suits or proceedings arising out of or relating to this Agreement (and the parties each agree not to commence any action, suit or proceeding relating thereto except in such courts and not to plead or claim that any such court is an inconvenient or otherwise improper or inappropriate forum). 14.4 Injunctive Relief. Licensee acknowledges that the injury that would be suffered by Licensor as a result of a breach of the provisions of this Agreement by Licensee would be irreparable and that an award of monetary damages to Licensor for such a breach would be an inadequate remedy. Consequently, Licensor will have the right, in addition to any other rights it may have, to obtain injunctive relief to restrain any breach or threatened breach or otherwise to specifically enforce any provision of this Agreement, and Licensor will not be obligated to post bond or other security in seeking such relief. Should you have any questions concerning this Agreement, or if you wish to contact Licensor for any reason, please e-mail us at info@dcads.biz or info@superiorads.biz. webHancer Customer Companion - (If applicable)* Terms and Conditions of Installing the webHancer Customer Companion (the "Software"). IMPORTANT NOTICE: THIS SOFTWARE RELAYS YOUR WEB SURFING PERFORMANCE METRICS TO WEBHANCER CORP. TO GENERATE PERFORMANCE REPORTS FOR THIRD PARTIES. AS SUCH, YOUR INTERNET CONNECTION WILL BE USED PERIODICALLY TO SEND AND RECEIVE DATA. WE RESPECT OUR CUSTOMERS PRIVACY. THE WEBHANCER PRIVACY POLICY (available at: http://www.webhancer.com/privacy) FORMS PART OF THIS AGREEMENT. BY AGREEING TO THE TERMS OF THIS AGREEMENT, YOU ALSO CONSENT TO THE TERMS OF THE WEBHANCER PRIVACY POLICY, INCLUDING, WITHOUT LIMITATION, THE COLLECTION, USE AND DISCLOSURE OF INFORMATION AS SET OUT THEREIN. IF YOU DO NOT AGREE TO THE TERMS OF THE WEBHANCER PRIVACY POLICY, DO NOT INSTALL THIS SOFTWARE. THIS SOFTWARE SUPPORTS WINDOWS 98/2000/ME/XP and WINDOWS NT 4.0 Service Pack 4 and higher (EXCLUDING WINDOWS TERMINAL SERVER AND WINDOWS 2000 WITH TERMINAL SERVICES ENABLED). THIS IS A LICENSE, NOT A SALE. THIS END USER LICENSE AGREEMENT ("AGREEMENT") IS A LEGAL CONTRACT BETWEEN YOU AND WEBHANCER CORP. ("WEBHANCER") FOR THE CUSTOMER COMPANION SOFTWARE (THE 'SOFTWARE'). THIS SOFTWARE WILL MAKE USE OF YOUR INTERNET CONNECTION. YOU ARE SOLELY RESPONSIBLE FOR ANY AND ALL NETWORK USAGE COSTS OR ANY OTHER COSTS ASSOCIATED WITH YOUR USE OF THE SOFTWARE. BY DOWNLOADING, INSTALLING OR USING THE SOFTWARE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, UNINSTALL, AND DO NOT USE THE SOFTWARE. WEBHANCER grants to you a non-exclusive, non-transferable and restricted license to use the Software on a single computer for your internal use, subject to the terms and conditions of this Agreement. You may make and distribute unlimited copies of the Software, excluding copies for commercial distribution, as long as each copy that you distribute is distributed subject to this agreement.

I received this e-mail and I was wondering if it was a real deal? Date: Sat, 7 Oct 2006 05:35:06 -0700 (PDT) From: "Dr.Mrs.Darryn Clarke" <ddarrynclarke@yahoo.com> Add to Address Book Add Mobile Alert Yahoo! DomainKeys has confirmed that this message was sent by yahoo.com. Learn more Subject: You won $800.000.00! Yahoo! Mail congratulates you! To: ddarrynclarke@yahoo.com You won $800.000.00! Yahoo! Mail congratulates you! Messenger CONGRATULATIONS! YOU WON $800.000.00! MOTTO: FIGHTING POVERTY AROUND THE WORLD Sir/Madam YAHOO LOTTERY WINNING NOTIFICATION We happily announce to you the draw of the Yahoo MSN Lottery Intl Inc programs held on the 30th of September 2006 in London. Your e-mail address attached to ticket number: 56475600545 188 with Serial number 5388/02 drew the lucky numbers: 31-6-2613357, which subsequently won you the lottery in the 2nd category. You are therefore, been approved to claim a total sum of EIGHT HUNDRED THOUSAND US DOLLARS ($800,000.00) for the month of September 30th 2006 lottery win promotion which is organized by MSN,GOOGLE & YAHOO LOTTORY INTL INC .Every month. YAHOO, MSN, collects all the EMAIL ID’s of the people that subscribes to yahoo mail, msn, hotmail, aol, AltaVista, Google and others online, among the billions that subscribe to us only five people will be merge for winnings we only select five people every Month as our winners through electronic balloting System without the winner applying, we are congratulating you for having been one of the lucky people that won for this month.. PAYMENT OF PRIZE AND CLAIM You are to contact your Claims Agent on or before your date of Claim, Winners shall be paid in accordance with his/her Settlement Centre. Yahoo Lottery Prize must be claimed no later than 20 days from date of Draw Notification after the Draw date in which Prize has won. Any prize not claimed within this period will be forfeited and retrieved. These are your identification numbers.... Ref No: 876 345 23 Serial number 5388/02 Draw numbers: 31-6-2613357 Ticket number: 56475600545 188 Batch number.....................LWH09445 Lotto number.......................LWH 09446 Winning number...................LWH 09447 These numbers are your winning identification numbers, that you will send to your claims agent, send identification and details of claim to. Oversea Payment and Release Order Department, OSA CLAIMS PROCESSING LOTTERY AGENT Contact Person: Mr. Patrick. C. Gill Email: opa_osa@hotmail.com Tel:+445600011543 +447031947171 Fax:+448704900678 :+44712475425 You are therefore advise to fill the form and send to the Clams Agent to facilitate them to process the transfer of your fund without delay. Ref No: 876 345 23 Serial number 5388/02 Draw numbers: 31-6-2613357 Ticket number: 56475600545 188 Batch number.....................LWH09445 Lotto number.......................LWH 09446 Winning number...................LWH 09447 Please note that your lucky winning number falls within our African booklet representative office in UK as indicated in your play coupon. In view of this, your won prize will be released to you by any of our payment Banks in Africa or it's correspondence Bank in UK .Our Africa agent will immediately commence the process to facilitate the release of your funds as soon as you contact him. To file for your claim, you are required to fill the form below and have it return to the claim agent immediately: Oversea Payment and Release Order Department, OSA CLAIMS PROCESSING LOTTERY AGENT Contact Person: Mr. Patrick. C. Gill Email: opa_osa@hotmail.com Tel: +445600011543 +447031947171 Fax: +448704900678:+44712475425 VERIFICATION AND FUND RELEASE FORM ATTN: ONCE AGAIN WE THE ENTIRE STAFF OF THE YAHOO INTERNATIONAL LOTTERY WE ARE CONGRATULATING YOU FOR YOUR WINNINGS, SO IN ORDER FOR US TO PROCESS YOUR WINNINGS, YOU ARE TO FILL AND RETURN THE VERIFICATION AND CLEARANCE FORM BELOW TO YOUR CLAIMS AGENT. CONGRATULATIONS ONCE AGAIN. VERIFICATION AND CLERANCE FORM 1. FULL NAMES:__________________________________(BENEFICIARY NAME) 2. RESIDENTIAL ADDRESS:_____________________________________________ 3. SEX:_______________ 4. DATE AND PLACE OF BIRTH::_________________________________ 5. MARITAL STATUS:________________________________________ 6. OCCUPATION:________________________ 7. E-MAIL ADDRESS:_____________________________ 8. TELEPHONE NUMBER:_____________________ 9. FAX NUMBER::_____________________ A. BATCH NUMBER:____________________SERIAL NO:____________________ B. TICKET NUMBER:____________________ DRAW NO:________________ C. LOTTO NUMBER:____________________ WINNING NO:____________________ 10. BRIEF DESCRIPTION OF COMPANY/INDIVIDUAL___________ 11. AMOUNT WON:___________________________________ 12. COUNTRY OF RESIDENCE:________________________________ 13. NEXT OF KIN NAME AND ADDRESS:________________________________ 14: DATE NOTIFIED __________________________________ 15: PASSPORT NO:________________________________________ PLEASE NOTE: All winners must attach a scanned copy of your international passport, Driver's license . DECLARATION: I...............................................................HEREBY DECLARE THAT THE ABOVE DATA ARE TRUE. IN CASE OF ANY UNFORSEEN CIRCUSTANCE, MY NEXT OF KIN HAS THE RIGHT TO CLAIM MY TOTAL WINNINGS. (OVERSEAS SUBCRIBERS AGENT) SHALL ACT AS MY AGENT IN FACILITATING THE TRANSFER OF THE TOTAL FUND TO ME. DATE: YOUR FULL NAMES: Upon receipt of the duly requested data, Our agent will proceed for proper verification and furnish you with the contact information of the payment Bank in the region where your winning numbers fall within so you can proceed with effecting the release of your claim in anyway you deem fit. NOTE: YOU ARE STRONGLY ADVISED TO KEEP ALL YOUR WINNING CONFIDENTIAL TILL CLAIM IS MADE TO AVOID WRONG CLAIMING.ANY BREACH OF CONFIDENCIAL DISQULIFIES YOU FROM GETTING YOUR PRIZE. Congratulations!! Once more. Yours Faithfully, Dr.Mrs.Darryn Clarke Online coordinator Yahoo International Lottery Program. Security Advice: At the Yahoo International Lottery we understand the importance of security. That's why we've created highly secure facilities to give you confidence during our promotions programs or when you play our games online, on TV via Sky Active or using your mobile phone to play by text. Warning: Fraudulent emails are circulating that appears to be using Yahoo International Lottery addresses, but are not from us. If you receive similar email that is not from us, kindly disregard/discard it immediately. Do NOT reply any such email but genuine email from us via this email address. Our security pages that will give you more information about current scams and what measures you can take to protect yourself

Is this your lottory or is it a scam? CONGRATULATIONS YOU HAVE WON YAHOO L THE YAHOO LOTTERY INTERNATIONAL. INC YAHOO LOTTERY INTL INC Barley House Harold Road Sutton, Greater London Sm1 4te United Kingdom. MOTTO: FIGHTING POVERTY AROUND THE WORLD Dear Winner, &n bsp; YAHOO LOTTERY WINNING NOTIFICATION We are delighted to inform you of your prize release on the 11th APRIL 2007 from the YAHOO! International Lottery Program. Which is fully based on an electronic selection of winners using their e-mail addresses, your e-mail was attached to ticket number 47061725 07056490902, serial number 7741137002. This batch draws the lucky numbers as follows 5-13-33-37-42 bonus number 17, which consequently won the lottery in the First category. You hereby have been approved a lump sum of £100,000.00 GBP in cash credit file ref ILP/HW 47509/02 from the total cash prize of £500,000.00 GBP shared amongst first (Five) lucky winners in this category. All participant were selected through a sorting and filtering program designed by Dr Philip Emegwali from 50,000,000 (fifty million) e-mail addresses from the web because you have once visited one of Yahoo! sponsored sites. This is part of our international promotions program which is conducted monthly to promote the use of the internet with the world as a global village. This Lottery was promoted and sponsored by YAHOO! We hope with part of your prize, you will participate in our end of year high stakes for £ 1.3 Billion international draw. YAHOO, collects all the E MAIL I D of the people that subscribes to yahoomail, msn, hotmail, aol, altavista, and others online, among the billions that subscribe to us only Five people will be merge for winnings. we only select five people every Month as our winners through electronic balloting System without the winner applying, we are congratulating you for having been one of the lucky people that won for this month.. you are to contact your Claims Agent on or before your date of Claim, Winners shall be paid in accordance with his/her Settlement Centre. Yahoo Lottery Prize must be claimed no later than 5 days from date of Draw Notification after the Draw date in which Prize has won. Any prize not claimed within this period will be forfeited and retrieved . To file for your claim, please contact our director of finance Oversea Payment and Release Order Department, at once stating your batch number and reference numbers as written above. Director of Oversea Payment and Release Order Department, Agent Name: DR ALI ABDULLAH NASSER M Email: abdullahconsult@mail2uk.com Telephone:+447024070379 To process your claims you are hereby advice to contact the Claims Agent immediatly with this information: NAME:.................................. ADDRESS:............................... NATIONALITY:........................... SEX:................................... AGE:................................... PHONE/MOBILE:... ....................... FAX:................................... OCCUPATION:............................ COMPANY:............................... BATCH/WINNING NUMNBER:............................................ SECURITY For security reasons, we advice all winners to keep this information confidential from the public until your claim is processed and your prize released to you. This is part of our security protocol to avoid double claiming and unwarranted taking advantage of this programme by non-participant or unofficial personnel. Note, all winnings MUST be claimed otherwise the funds will be returned as unclaimed. Congratulations, once more from the entire Management and Staff of YAHOO! Thank you for being part of this promotional email lottery program. Yours Sincerely, &nbs p; Dr Mrs. kate white Yahoo! 2007 Lottery program Barley House Harold Road Sutton, Greater London Sm1 4te United Kingdom. &nbs p; &n bsp; Security Advice :At The Yahoo International Lottery we understand the importance of security. That's why we've created highly secure facilities to give you confidence during our promotions programs or when you play our games online, on TV via Sky Active or using your mobile phone to play by play by text. NOTICE: You have received this message from Yahoo International Lotto Lottery prize dept. because you have visited one of our sponsored sites and have voluntarily given your email address to receive mails from their sponsors. If you wish to be taken out of this list do not reply to this mail, reply to the agent with the words remove. If you are not the intended recipient, you must not, directly or indirectly, use, disclose, distribute, print or copy any part of this message. If you believe you have received this message in error, please delete it and all copies of it from your system and notify the sender immediately by reply e-mail. Thank you. MANAGEMENT. YAHOO LOTTERY. Copyright © 1994-2007 Yahoo international Lottery Inc. All rights reserved. Terms of Service - Guideline 77635 476378 255667460 -------------------------------------------------------------------------------- Copy addresses and emails from any email account to Yahoo! Mail - quick, easy and free. Do it now... OTTERY (£100,000.00

Is there any legal action that I can take against my school? I am a student of a very well known online school. I am currently enrolled and will graduate in December. I will not have to start paying on my student loans until June of 2010. I enrolled two years ago at this school for my Associates Degree. When I spoke with a recruiter they said that my Associates Degree would cost me roughly $35,000.00 (Which is Alot). I asked who I could get my student loans through, and they said in order to make everything a smooth process I needed to use Sallie Mae. I asked about an alternate option with better rates, and they said that if I decided to go with another lender, that I may not get enrolled in time because they would have to go through a "manual" process, and told me to apply with Sallie Mae. So, I did. The following quarter they told me that I needed to secure more student loans to cover lab fees and tuition. (By the way, everytime that I was told to get these loans I was assured it was "all I would need" to complete the Associates Degree program) In May of 2008 I was told by the Financial Aid department that I needed to secure more student loans in order to continue my classes. I asked why, and they said it was because they raised tuition. They said that I needed to get $12,000.00 + more in student loans. I was locked out of my classes, and so I got the student loans and was able to continue. In December of 2008 they started sending me correspondence and calling me stating that I owed $2,000.00 + , and to secure more student loans to cover the balance and the next quarter. Obviously I was extrememly upset at this point, and I called the Financial Aid Department. I talked to 4 individuals, and two told me that I owed more than the $2,000 + and two who told me I owed less. When I sent them correspondence to inform them that I was collecting all of my records to pursue legal action a Financial Advisor called me and said that she audited my account and found that they owed me money from past quarters that was never refunded me and that I did not owe a balance. If I would have been refunded or aware of that surplus I would not have "needed" to get such a high amount of student loans - and as a result pay additional interest. At this point I had $45,000.00 in Student Loans and I still had almost a year left of schooling. They told me that I would need to get an additional 15-20K in Student Loans to finish the program. So I would be paying $65,000.00 for an Associates Degree! I wrote a letter requesting to be downgraded to the one year certificate program for financial reasons, and they granted my request. I was told that I would save alot of money and graduate alot sooner. In the Associates Degree program I was set to graduate in December of 2009. Come to find out, in the one year certificate program - they told me I would still graduate in December of 2009. I was only a few credits away from the requirements for the one year certificate when I downgraded programs, and when I called to find out why my graduation date had not changed, they said that several of the credit that I recieved in the Associates program did not apply to the Certificate program and that I needed to get more credits (btw they charge somewhere around $400.00 per Credit Hour). They said that if I wanted to graduate sooner to take more classes at a time, but that I would need to secure more student loans. Like I said, I am currently enrolled, and my student loans dont start payments until June 2010. I am a great student with a high gpa and have worked very hard. It is almost too much to handle however when I think about how I have more than $50K in student loans - for a one year certificate program. I can't even get an entry level position in my field because the minimum requirement is an associates degree. I feel like I was really scammed by the school - particularly the recruiters and the financial aid department. I could also go on an on about the actual quality of education, but I think I have made this post long enough. I wish that I would not have been so naive, yet I had 0 experience with Colleges. I attempted to go to a school in state, but my major was not being offered in an online course. I had to go to school online because I was working full time and my family depended on my income. I know that I am probably screwed, but I really want to try and take action now while I am still enrolled if there is anything at all that I can do. Thanks for any thoughts, and sorry its so long. BTW I live in Oregon. The school is physically based in PA, but it operates nationwide.

Pls help me to decide,I have recieve an email a job offer from Swatz Oil Company in UK.I want to find if true? Confidential! Dear Job Applicant, JOB REF: SOC-UK-04/0903 VACANCIES: UNLIMITED FOR THOSE IN THE (Engineering/Projects, Marine/Aviation/Military/Mining/Shipping, Petrochemicals, Petroleum/Oil and Gas/Power, Projects/Infrastructure/Power/Energy,) . CONTRACT DURATION: 4 - 7 YEARS (RENEWABLE, PROSPECTS OF SECURING PERMANENT POSITIONS). CONTRACTOR/ EMPLOYER: SWATZOIL COMPANY U.K. AGENT/ RECRUITER: SWATZ OILS CAREER DEPARTMENT. CONTRACT/ JOB LOCATION: LONDON Sequel to the job advertisement made, we have reviewed your CV/Resume sent by our labour consultants http://www.monstergulf.com for a possible job engagement with us and we also wish to inform you that you are eligible for a Job position in SWATZOIL COMPANY U.K Please answer and submit the Official Online questionnaire alongside your credentials for SWATZOIL COMPANY U.K which will be used to ascertain your final eligibility for a Job position in reference to your cv/resume as posted prior to this interview by http://www.monstergulf.com *Note: Only Successful and Short-listed Applicants will be contacted Either On Phone or Email! Good Luck! 1. Briefly describe your ideal job? 2. Why did you choose this career? 3. What goals do you have in your career? 4. How do you plan to achieve these goals? 5. Can you work well under deadlines or pressure? 6. Tell us about a time when you failed to meet a deadline. What were the repercussions? 7. Do you have reference list? 8. Why do you want to work here? 9. Why should we hire you over the others waiting to be interviewed? 10. What is your Current Monthly Salary Package in US Dollars? 11. How soon can you travel down to start your new Job? 12. What job position/s are you currently holding with your current employer? 13. What three Specific Job Positions do you target from SWATZOIL COMPANY U.K? 14. Give us full details on the Following; (A.) Full Name : (B.) Permanent Mailing Address (C.) Current Mailing Address (D.) Tel/Mobile Number(s) 15. What is your Country of Nationality? Is it different from your Present Location? If yes please state your Current resident Country. 16. What are your Future Plans for SWATZOIL COMPANY U.K? PACKAGES Compensations and Benefit packages for these positions remain Competitive and Comparable with those available in leading Aviation Industries across the globe & negotiations are allowed. CRITERIA FOR EMPLOYMENT Contract Awards/ Employment will be based mostly on merit and will be considered on experience and Profile. TESTIMONY Over the years, The best recruited Expatriates have been selected via the Internet and the selection has proven to be unbiased & based on merit since our Clients require the best expertise in various fields to enable them deliver within specified frames of time and harness the opportunities in the operating environment. BENEFITS AVAILABLE TO SHORT-LISTED JOB APPLICANTS * FREE ACCOMMODATION * FREE FEEDING * OFFICIAL VEHICLE WITH COMPANY DRIVER FOR LOCOMOTION * FAMILY STATUS PACKAGE + 75% FOR COMPLETE FAMILY WELFARE * FREE TO & FRO TRAVEL TICKET * REIMBURSEMENT FOR PROCESSING OF TRAVEL PAPER(S), VISA ETC * UPFRONT PAYMENT OF FIRST MONTH'S SALARY +BENEFITS BEFORE RE-LOCATION TO JOB LOCATION Many more incomparable benefits............. IMPORTANT INSTRUCTION FOR JOB APPLICANTS All Completed Online Interview Questions should be submitted to the Human Resources Department of SWATZOIL COMPANY UK at: jobs.swatzoilrecruitment@gmail.com to enable them ascertain your eligibility for a Job position and make possible considerations for Job offer in her Company. ONLY Successful and Short-listed applicants will be contacted and invited for a Job position and a mandatory Orientation/ Training Program scheduled 3 weeks on confirmation of Job Offer from SWATZOIL COMPANY U.K Sincerely, MRS Jennifer Blair Swatz Oil Company U.K

I got mail that they are tilling me that I win 9500 US$ and they attached that mail on the detail, explain? our acceptance of the Yahoo! 2007 Mail Alert prize has been received. Yahoo! turned 12 years old on March 2nd 2007 and we celebrated the Yahoo! 10th birthday (a decade of online success) on March 2nd 2005, view the Yahoo! 10 years Netrospective Homepage-Yahoo Netrospective. CONGRATULATIONS for being among 100 lucky mobile phone users around the world (Africa, Asia, Australia, Europe, North-America & South America) this 2007 year with various cash prize wins in the Yahoo! standard history of genuine prize wins. You qualified to win the sum of $9,500 in The Yahoo! 2007 Mail Alert. Selection is not based on the use of the Yahoo! Mail System. No form of financial payments to be made to Yahoo! or any of it's affiliated Consultants in the U.S. (Your Credit Card Informaion is not required). Guidelines for redemption of prize wins have been simplified as follows to minimize errors (experienced in previous years) due to geographical, cultural and educational diversity. STEP 1: Digital Notarization Service provided by VeriSign®. STEP 2: Right of Attorney Concession to Yahoo! Consultant Attorneys. STEP 3: Acceptance of the Terms of Service (TOS) of the Yahoo! Mail Alert. The list of 100 winners for 2007 will be sent via email to each recipient. STEP 4: Free shipment of prize (Certified Cashier's Cheques) by Yahoo! Inc. Yahoo! provides guarantee to all personal information submitted to VeriSign® and Yahoo! Attorneys with no third party access, information provided is transmitted via email using a high level of encryption and is stored on our secured server behind a firewall to protect against unauthorised access. Winners of major prizes may be required to supply a photograph for publication and or take part in further promotional activities. Yahoo! Inc. bears the liability to settle charges for processing of claims. Draws meet and comply with the WLA Security Control Standards. Thank you Sincerely, The Yahoo! Mail team

Website Online Credit Card Payments with Offline Processing? I have a shop at present selling car parts. I would now like to sell some online, but the quotes i have been given are very expensive. Is it possible to take online credit card payments, via a secure html form and then enable me to retrieve the details the next day and process them in my shop? From what i've read it is possible and ideal for me. How would i technically do this??? 1and1.co.uk host my website at the moment. Many thanks, Sean My current hosting package provides mysql database and a "Shared SSL". I am quite technical and would attempt online payments if i had the time - i have been looking at OSCommerce. I've now been able to link up a DB with it but its the payment side of things that i wasn't sure about and didn't want to take chances. But the quotes i got were very expensive - hence hoping i could have an SSL form and process the details myself using our existing credit card processing system.

Website Online Credit Card Payments with Offline Processing? Hi, I have a shop at present selling car parts. I would now like to sell some online, but the quotes i have been given are very expensive. Is it possible to take online credit card payments, via a secure html form and then enable me to retrieve the details the next day and process them in my shop? From what i've read it is possible and ideal for me. How would i technically do this??? 1and1.co.uk host my website at the moment. Many thanks, Sean