Archive for February, 2010

So, I’m 18 and very confused with this whole credit card "business". All I want is a simple credit card that I can use that when use it, it will extract the exact amount out of my account and pay the merchant in full with out letting me go over the set money in my account. THAT’S IT. No monthly payments, no credit points, just cut and dry card. I’m getting this so I don’t have to carry around cash and if im every mugged I can cancel the card before anything is spent. So what do I get? A visa? A master card?

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From what I recall it is. My problem is I have DSL internet and a phone jack where I plan to process credit cards, but where I plan to set up office, I only have a cable (and nowhere else in the space) and no phone jack. I need internet in my office!

Is it possible to switch to cable and still process credit cards with cable internet, or is the only solution to go wireless (w/ either internet or credit card processing)?

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okay so this is what i want to know
-is there an activation fee
-what is the process to upload money on to it
-if i buy it at the store do i need to give my social security number
-what if i want to cancel it
-can i use it to buy things over the phone

please answer all if you can please
and please don’t say just get a normal credit card

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PLEASE HELP me. the machine is a lip nurit 3010

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A customer purchased a ,000 item at ApplianceWorld, paying with a credit card (VISA). The merchant is charged a 2% fee by the credit card company. When recording this sale, the merchant would:
A) debit accounts receivable for ,000.
B) credit sales revenue for ,000.
C) credit sales revenue for ,800.
D) credit unearned sales revenue for ,000.
E) None of the above is correct.
2-
The primary objective of financial accounting is to
A) provide information about a business to internal parties.
B) provide information about a business’ future business strategies.
C) provide useful economic information about a business to help external parties make sound financial decisions.
D) provide predictions of future stock price.
E) none of the above is the primary objective of financial accounting.

When credit terms for a sale are 2/15, n/40, the customer saves by paying the bill early. Approximately what percent would this savings amount to on an annual basis?
A) 18%.
B) 20%.
C) 30%.
D) 37%.
E) None of the above is correct.
18.
A post closing trial balance would include account balances for only the
A) assets and liabilities.
B) revenues and expenses.
C) assets, liabilities, and stockholders’ equity.
D) assets, liabilities, stockholders’ equity, revenues, expenses, and dividends.
E) None of the above is correct.

19.
Which of the following activities violates the revenue recognition principle?
A) Recording revenue in December 2006 for units manufactured but not yet sold to customers
B) Recording cash received in advance from customers as revenue when the product is not yet shipped
C) Not recording interest earned in 2006 until the cash is received in 2007
D) None of the above violates the revenue recognition principle
E) All of the above violates the revenue recognition principle

Marion Company had these transactions during the first month of the new accounting period.

Sold merchandise for ,000 on credit; its cost was ,000 and it was purchased and paid for last year.
Collected ,000 from an account receivable. The account was established in the previous year.
Used office supplies of ,500 purchased and paid for in the prior year.
Reference: 03_02

Marion’s net income for the new period would be
A) ,500
B) ,000
C) ,000
D) ,500
E) None of the above is correct
21.
When the price earnings (P/E) ratio for a company decreases from 2006 to 2007, it means the company’s investors
A) believe the future earnings will exceed the current earnings level.
B) believe the future earnings will be lower than the current earnings level.
C) are confident about the company’s future operating effectiveness.
D) are not confident about the company’s future operating effectiveness.
E) both B and D are true.

On January 1, 2007, Denmark Inc., started the year with a 0,000 credit balance in its retained earnings account. During 2007, the company earned net income of ,000 and declared and paid dividends of ,000. Also, the company received cash of ,000 as an additional investment by its owners. Therefore, the balance in retained earnings on December 31, 2007, would be
A) 0,000.
B) 0,000.
C) 5,000.
D) 0,000.
E) None of the above is correct.

23.
Financial accounting
A) provides information primarily for external decision makers.
B) is required for corporations but probably would not be done by other business entities.
C) provides information primarily for the use of managers of the company.
D) has been practiced in this country for approximately the last 15 years.

The purchase of supplies for cash would
A) Not change total assets.
B) Increase total assets.
C) Increase liabilities.
D) Decrease liabilities.
E) None of the above is correct
Bad debt expense should
A) appear on the balance sheet as a contra-asset.
B) appear on the income statement as part of selling expenses.
C) appear on the income statement as a contra- revenue.
D) not appear in the financial statements.
E) None of the above is correct.

26.
Which of the following is/are criteria for recording a sale?
A) Title and risks of ownership have been exchanged.
B) The company is reasonably assured of collecting the receivable.
C) The sales price has been fixed.
D) Both A and B are correct.
E) All of the above are correct
27.
Which of the following statements is true?
A) Deckers Outdoor sells primarily to other businesses on a credit basis.
B) Deckers Outdoor would record revenue when cash collection is made from their customers.
C) Deckers Outdoor records sales upon shipment of product to their customers.
D) Both A and C are true.
E) All of the above are true

28.
An income statement reports
A) revenues, expenses, assets, and liabilities during an accounting period.
B) resources, liabilities, and stockholders’ equity of a business at a point in time.
C) net income of a

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i am looking in to wireless credit card machines and wondered what companies have the best service and deals.

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well its my first time using Ebay. i got an account and a Paypal account yesterday. So, today i tried bidding on a cell phone, i put 5.00 as my maximum bid. i confirmed it, but everytime i try this page pops up saying: You can increase the activity limits on your account by taking one or more of the following actions:

1. Sign Up For PayPal

Registration is free and you do not have to pay with PayPal.

PayPal is the best way to pay for your purchases on eBay and offers 00 in buyer protection.
Existing PayPal account holders can click here to link their account.

2. Verify using a Credit Card
Process is immediate and your card will not be charged.
Important: only available for Visa Credit and Mastercard.

so i linked my account.. and it says that Ebay and Paypal was successfully linked but it may take up to a few hours until i can bid. so i waited for a day.. and i tried again AND THAT PAGE STILL POPPED UP.. HOW DO I BID?! thanks. :)

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My work changed venting companies here recently. The drinks are only .25 (coke, pepsi products)

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Will my Voice Out ammount/ Account will get Freezed or locked ?? I cant find out the way to log on a complain Direct to yahoo. Also i am continuously trying to get in touch with you customer care but its really pathetic & horriable i am not able to get any of you customer care no one is coming online.

I register for Voice Out on 21st Oct,06 and its asking me for Amount Verificaion, whereas checking online my Credit Card account i found not Transations till date 23rd Oct,06. credited

Where this below Answer from Yahoo Help Says
How long does it take to activate my new Yahoo! Voice service?

After going through the sign up process, your account will be activated faster than you can say "activated"! If for any reason your account is not activated immediately, please log in to Yahoo! Voice

No Where the Verification Time or the Process (Calling up your credit card and asking for Exact Amount…) is mention

Yahoo IF YOU CAN SEE THIS reply back soon!

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ok I got credit card from citibank in newyork. i’m us citizen.

I have never used a credit card. so please understand my trivial questions.
1. continuing from the above question, will my credit card work on any atm machines in the states? as long as the machine says mastercard?

2. Can I use any mastercard atm machine in south korea? will I be able to take out their cash currency which is Won? meaning, will I be able to take out cash using atm machine in korea?

3. If I buy clothes, or other goods in south korea, will they charge me in dollars? of course the price will be in Won, korean currency, but would they automatically convert it to dollars and charge me in dollars?

Please answer me in details! thanks! it’s so exciting to have a credit card!

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can i withdraw my money in my credit card in an atm machine? do i have to insert my card whatsoever or should i just type it…?

thanks!

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I’m going for a job as a medical sales rep. I have a resume now, not sure how it looks, I would love an outside opinion. Thanks for your consideration!

Molly ********
408 Washington Street
*******************
(443) 310-*****

Objective:

To obtain a professional sales position, leading to management in the pharmaceutical and medical device sales industry, where my administrative experience, communication skills, and initiative can be utilized to increase sales and improve customer relations.

Education:

Towson University, 9/2001 – 5/2003
B.S. Sociology/Anthropology, Criminal Justice Concentration

Anne Arundel Community College, 9/1999 – 5/2001
A.A. General Studies Transfer

Member of Phi Theta Kapa Honor Society

Experience:

Gee Cosper & Associates 2007 – present

Assistant to the President
• Performing a variety of detailed office administrative tasks, including developing daily office procedures
• Compose technical correspondence, including writing a variety of reports and materials from notes, research and source material in files
• Maintaining a complex filing system, including confidential material
• Preparing agenda and other materials, distributing as necessary
• Maintaining of records on office activities pertaining to personnel, purchasing, travel expenses and related activities
• Development and maintenance of our company website

Pusser’s Caribbean Company Store and Grille 2004 - present

Retail Sales Associate
• Operating a computerized point of sale cash register and inventory management system; including the accurate entering of sales information, receiving payment for products, processing credit card transactions, refunds, exchanges and voids
• Reconciling daily sales, prepare deposits, and produce end of day reports for management
• Actively engaging customers in conversation and assisting in the understanding, demonstration, description and selection of merchandise

Training Server
• Escorting guests to tables, cocktail preparation, wine service and sales
• Explaining the menu and special orders items to guests and cooks
• Providing a high level of quality customer service to patrons
• Training of new employees in customer service standards and procedures and use of computer systems.

Anne Arundel Community College, Academic Advising 1999 - 2001

Student Worker, front desk
• Answered telephones and gave information to callers, and transfer calls to appropriate individuals
• Scheduled appointments for students with certain advisors after determining their particular educational needs
• Greeted all visitors and callers, handling their inquiries, and directing them to the appropriate individuals according to their needs
• Operated office equipment such as fax machines, copiers and phone systems and used computers for word processing, spreadsheet and other applications

Jerome H. Markoff, Esq. 1999 - 2002

Legal Secretary
• Contacted clients on a daily basis, updating outstanding balances and court pleadings.
• Filed documents with courts and assisted in trial preparation
• Collected data and reviewed research materials, determined accuracy and validity of sources and appropriateness for use
• Typed and prepared reports or other written materials from source documents and transcription
• Received calls and greeted visitors, recorded and relayed messages, responded to requests for information

Anne Arundel County State’s Attorney’s Office, Summer 1999

Volunteer
• Assisted the criminal investigative unit by preparing and analyzing evidence for trial.
• Located and attached appropriate files to incoming correspondence
• Prepared and processed documents; reviewed for accuracy and completeness
• Maintained files and record keeping systems

References available upon request.

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Last night I closed all the credit card checks on the credit card machine at work (I am a bartender) but I didn’t add a tip on my most generous check! How do I reopen it?

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1. Spanish injustice against Native Americans included
A.the practice of indigenous religion.
B.the destruction of native temples.
C.forced conversion to Christianity.
D.forced labor and the confiscation of land.

2. The first circumnavigation of the world was completed by the crew of
A.Vasco da Gama.
B.Pizarro.
C.Columbus.
D.Magellan.

3. Cortes’s expeditions were motivated primarily by the desire
A.to place Mexico under Portuguese rule.
B.to control the spice trade.
C.for gold.
D.to find sources of slave labor.

4. England was declared a commonwealth after the defeat of
A.Oliver Cromwell.
B.Charles I.
C.Charles II.
D.George II.

5. The French and Indian War involved disputes over
A.land claims and fur-trading rights.
B.smuggling and shipbuilding in colonial ports.
C.French adherence to the Navigation Acts.
D.the right to tax Canadian colonists.

6. The policy of summoning civilian men into military service is
A.conscription.
B.scorched-earth.
C.coup d’etat.
D.feudalism.

7. The Declaration of the Rights of Man guaranteed all of the following EXCEPT
A.freedom of speech.
B.equal rights for women.
C.freedom of religion.
D.protection against arbitrary arrest.

8. One of the National Assembly’s most important reforms was to
A.lower taxes on the nobility.
B.abolish feudal dues.
C.restore absolute monarchy.
D.raise taxes on the artisans.

9. Before the revolution, members of the Third Estate had
A.a smaller tax burden than the other estates.
B.a voice in government equal to that of the First and Second Estates.
C.greater political influence than the clergy.
D.a high tax burden and little political power.

10. A major factor in Napoleon’s failure to defeat Russia was
A.the harsh Russian winter.
B.Russian naval supremacy.
C.the opposition of the Catholic Church.
D.the Continental System.

11. Pedro Alvares Cabral’s defeat of the Arab fleet helped to establish
A.Portuguese control of the Indian Ocean.
B.Spanish dominance in South America.
C.Spanish control of the Spice Islands.
D.the spread of Christianity in the Americas.

12. The formation of joint-stock companies allowed private investors to
A.make government-chartered banks obsolete.
B.share the risks and profits of an undertaking.
C.obtain church support for voyages of exploration.
D.use coins as a medium of exchange.

13. By 1650, the population of Europe had reached about
A.20 million.
B.50 million.
C.55 million.
D.100 million.

14. The European class that benefited most from the economic expansion of the Commercial Revolution was the
A.peasantry.
B.nobility.
C.merchant class.
D.clergy.

15. In the West Indies, Columbus believed that he had discovered
A.a "New World."
B.Asian islands off the coast of India.
C.the Northwest passage.
D.Australia.

16. A rebellion of enslaved Africans led to the proclamation in 1804 of an independent
A.Brazil.
B.Bahamas.
C.Haiti.
D.Peru.

17. The greatest increase in trade during the 1600s took place in
A.countries bordering the Atlantic Ocean.
B.countries bordering the Mediterranean Sea.
C.Germany and Italy.
D.countries along the overland trade routes to Asia.

18. The first European country to explore the Atlantic in search of a sea route to Asia was
A.England.
B.Spain.
C.Portugal.
D.the Netherlands.

19. Through the 1500s, merchants raised the money for overseas ventures primarily from
A.banking families.
B.government-chartered banks.
C.individual entrepreneurs.
D.feudal lords.

20. The Act of Union in 1707 united
A.England and Ireland.
B.the House of Stuart with the House of Hanover.
C.England and Scotland.
D.France and Scotland.

SHORT ANSWER:

21. Critical Thinking Describe the expedition of Ferdinand Magellan. Who sponsored his voyage? What did it prove?

22. Critical Thinking Describe the class structure of prerevolutionary French society

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Received a offer to work with them cashing their order payment because they are International trading company with difficult for them to process causing delay.They are requesting only full name,address,phone#and occupation. They will never ask for bank,credit cards, passwords,ssn#,routing#.

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I live in Brazil and here there are a lot of card machines in the commerce, but all the machines work by phone line. But I knew that is possible to save money using a VPN instead of a phone line.

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I guess I will start by explaining my story. I would basically like to know what you would do in this situation, are there any legal steps I can take against them? Please let me know. January of 2008 I applied and was hired for an agent position with West Corporation (a telecommunication company thats "services include processing of customer initiated contacts, automated voice response services and direct marketing services, over the telephone and Internet." on the Bank of America line group (there are several different client based groups throughout the building.) Anyways, I was hired and have been working on this line group processing credit card and loan requests over the phone for 9 months. When I got the job initially I asked my interviewer, a woman in HR, and my trainer if it was against company policies to wear my piercings at work (I have my lip pierced twice and my nose twice). All of them said it was not a problem as this was not a job where I would be seeing the customer. In my entire 9 months of employment not one supervisor, manager, employee or CEO has said a word to me about my piercings. I have shook hands with Don Lawson who is the site director and he never said anything. Well last week I applied for a new line group within west corporation working on the PAL line group as an aide for at home agents. I had my interview last thursday with the operations supervisor for the line group. I was hired that day and Friday I had orientation. Both of those days John (the operations supervisor) never said a word about my piercings. I started training on Monday at 10am I worked monday, tuesday, wednesday and thursday…nothing was said. Friday I come in and John informs me that there is a West policy that states employees are allowed one discreet facial piercing. I asked him to show me this policy as I didn’t believe it seeing as I have been working there 9 months. Sure enough there is a policy on the employee website but I could not find it in the actual policy manual. Anyways to make a long story short I think it is awful that they are giving me an ultimatum of either loosing my job or taking out my piercings. It is my cultural belief that one should be able to do as they please with there bodies and I feel as if I am being singled out and discriminated against. All the other line groups have plenty of people with piercings. Is this discrimination? Am I being singled out? Is there anything I can do about it or what would you do in my situation. I have bills to pay and I am scared of loosing my job but I need to decide what I am going to do monday morning when I arrive at training. I just dont know if I can take my piercings out and feel like I’m not letting someone walk all over me and not standing up for my beliefs. Any suggestions would be appreciated.
Also, I realize due to social stigmas that to some people a piercing may be seen as nothing more than a fashion trend. Its like wearing a bracelet its just an accessory. Well to someone like me it is more than that. It is deeply rooted into my beliefs that one can do whatever they please with their own bodies. Noone else has the right to tell me I am less of a person or uncapable of performing above and beyone what the average employee could because I choose to pierce myself. I am really just looking for some insight. A similar experience maybe or a suggestion?

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I sometimes see questions about how to get a cash advance on a credit card and people recommend using an ATM machine. I have never done it and have no need to. It just got me interested. Since there is no PIN number associated with a credit card (not a credit/debit card) how could it be used in an ATM machine?

Please only answer if you have done it. I can make guesses such as calling up to bank or going down to a branch.

I only use a debit card for travel and I had never heard of credit card companies issuing pins. I guarantee they have never issued one to me. They sure don’t advertise it.
I meant to say for ATM use while traveling. I use a credit card for purchases and a debit card to obtain cash.

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To make a long story short, I had a merchant credit card processing account setup through the original creditor, Cardservice International, approximately 4 years ago. During that time I only made a few charges using the account. They were large charges and totaled just over ,000 altogether. These charges were never deposited into my bank account and I was contacted by a man working with their fraud management department. He wanted me to send out products before receiving the funds so I did not agree and I stopped using the merchant account. I also contacted my bank to block their access to my checking account.

Now they have hired the collection agency Allen & Associates on their behalf to collect the ,000 that they never gave me in the first place! I’ve obtained former bank statements from Wachovia and spoken to a branch manager. I attempted to send this information to Allen & Associates, but the agent on the phone refused to provide me with a fax number where I could send documents to dispute this debt and told me that I should just get an attorney because they will sue me. They did "claim" that a representative from Wachovia will be present to testify that the deposits were made so tomorrow I plan to bring the list of supposed deposits into a branch to get a certified letter from a branch manager stating that they were not. This invalid debt for ,000 is also on my credit report as of right now. I’ve disputed it and it was removed at one point, but it appears that A&A has reported it again.

I need to legal advice on how to proceed. I’ve tried to dispute the debt, but obviously they will not allow me to even show them the documentation I have to support my claims. If I do file a suit against them do I file against the CA or the original creditor?

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This is the motor for paper feed for HyperCom T7P-T credit card processing machine

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I am trying to copy and paste a template I downloaded. I think its html but when I put it into a browser?
the page is coming out as if it were a website on a cell phone. The page is a little watered down and doesn’t look like it should. Can somebody please help?

this is the actual page I am trying to bring up in my browser

http://www.fdis-ohio.com/

this is the actual code for this page<now if you copy and paste it it will not look like this in the browser please help.

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-…
<html xmlns="http://www.w3.org/1999/xhtml" xml:lang="en" lang="en">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
<title>Welcome to First Data Independent Sales</title>
<link rel="shortcut icon" href="favicon.ico" />
<link rel="stylesheet" href="styles.css" type="text/css" media="screen" charset="utf-8" />
</head>
<body class="home">
<div id="wrapper">
<div class="container">
<div id="header">
<div class="container">
<h1><a href="http://www.fdis-ohio.com">First Data™</a></h1>
<h2>Independent Sales</h2>
<ul class="topNav">
<li class="contactUs"><a href="contact-us.html">Contact Us</a></li>
<li class="customerService"><a href="customer-service.html">Customer Service</a></li>
</ul>
<ul class="nav">
<li class="merchantSolutions"><a href="merchant-solutions.html">Merchant Solutions</a></li>
<li class="marketsWeServe"><a href="markets-we-serve.html">Markets We Serve</a></li>
<li class="aboutFDIS"><a href="company-profile.html">About FDIS</a></li>
</ul>
</div>
</div>
<div id="banner">
<h3>Welcome to First Data Independent Sales</h3>
<p>As a leader in the credit card processing industry, First Data Independent Sales (FDIS) offers small and mid-size businesses merchant accounts that enable them to accept credit cards.</p>
</div>
<div id="content">
<div class="merchantMarkets">
<div class="container">
<div class="merchantSolutions">
<h4><a href="merchant-solutions.html">Merchant Solutions</a></h4>
<ul>
<li class="gettingStarted"><a href="getting-started.html">Getting Started</a></li>
<li class="productsAndServices"><a href="merchant-services.html">Products & Services</a></li>
<li class="merchantResources"><a href="merchant-resources.html">Merchant Resources</a></li>
<li class="fraudProtection"><a href="fraud-protection-services.html">Fr… Protection</a></li>
<li class="sendMeInfo"><a href="inquiry_merchant.html">Send Me Information</a></li>
</ul>
</div>
<div class="marketsWeServe">
<div>
<h4><a href="markets-we-serve.html">Markets We Serve</a></h4>
<ul>
<li><a href="gas-convenience.html">Gas Stations & Convenience Stores</a></li>
<li><a href="restaurant.html">Quick Service Restaurant</a></li>
<li><a href="wireless.html">Wireless</a></li>
<li><a href="ecommerce-solutions.html">E-Commer…
<li><a href="health.html">Health & Beauty</a></li>
</ul>
</div>
</div>
</div>
</div>
<div class="supportContact">
<div class="supportSites">
<div>
<div>
<h4>Support Sites</h4>
<p>FDIS merchants have access to valuable tools and resources to conduct business online.</p>
<ul>
<li><a href="http://mymerchantoffice.com" target="_blank">Mymerchantoffice.com</a>…
</ul>
</div>
</div>
</div>
<div class="contactFDIS">
<div>
<div>
<p><strong>Contact FDIS Today!</strong>
(888) 967-7222</p>
</div>
</div>
</div>
</div>
</div>
<div id="footer">
<ul>
<li class="home"><a href="http://www.fdis-ohio.com">Home</a>…
<li><a href="merchant-solutions.html">Merchant Solutions</a></li>
<li><a href="markets-we-serve.html">Markets We Serve</a></li>
<li><a href="company-profile.html">About First Data Independent Sales</a></li>
<li><a href="privacy-policy.html">Privacy Policy</a></li>
</ul>
<h4>Services by Cardservice International.</h4>
<p>© 2009 First Data Corporation. All Rights Reserved.<br>
All trademarks, service marks and trade names referenced in this material are the property of their respective owners. The First Data Independent Sales Agent Program is operated by Cardservice International, Inc. Cardservice International, doing business as First Data Independent Sales (FDIS), is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA.<br>
American Express requires separate approval.<br>
FDIS Agent #10391 is an independent agent for Cardservice International.</p>
</div>
</div>
</div>
</body>
</html>

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I have wireless 5GB broadband internet service on my computer. Is there anyway I can hook a credit card machine to my usb port and use the internet to run credit cards for my business. If so, what is a good setup.
Thanks!

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About 2 years ago I opened up a merchant account with a credit card processing company called Card Service International so I could charge credit cards for my ebay sales instead of using Paypal. Well the first week of sales totaled about ,200 or so. A few days after charging the cards I still saw no sign of the money in my bank account. Then a few days later I saw a DEBIT for ,200 on my account from CSI (card service international). I called them about they explained that since my accoutn was new a red flag was triggered in their system and they were going to have their fraud dept review my account and until the review was complete they would have to chargeback all my recent orders. I explained to the man on the phone SEVERAL TIMES that they have never DEPOSITED the money from the orders into my account int he first place so they didn’t need to DEBIT my account because they never gave me the money to begin with that I had earned from the sales. Apparenly he didn’t care….
I researched the company and found several other complaints similar to mine that and that many class action lawsuits had been filed against CSI b/c they had a history of fraud. I quickly blocked all access to my bank account by this company and filed a chargeback to get my 00 back.

So this morning (2 years later) I wake up and find that I have some new info on my credit report. CSI is claiming that I have debts owed to them amounting ,500! I cannot imagine that the amount of money I owe them could possibly even be anywhere NEAR this amount. My merchant fees per month were only a minimum processing fee and a statement fee. How could I POSSIBLY owe them over 16 grand?

Now is it just me, or can they legally do that? There is just NO way I could owe them that much money. I don’t know what to do. Should I consult an attorney?

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