Thursday, November 28, 2013

How do I password protect a folder in Windows Vista without having multiple user accounts?

How do I password protect a folder in Windows Vista without having multiple user accounts?
There are no multiple user accounts on our computer, when it boots up it is just to a shared desktop, and I don't wish to creat multiple user accounts, I don't really see a point. Also, I don't want to download and/or purchase any special software for it. Is there any way to do this without doing those things?
Security - 3 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
Go to the folder you want to password protect from Computer-> C drive etc etc. Then right click on the folder name and somewhere there, it should give you either security options and allow you to encrypt/decrypt the folder. You can select the encrypt option and it'll guide you though a bunch of things to help you set up a password for encrypted folders. Once its set up, go back to the folder and right click on the name once more to encrypt it. It'll ask for the password once more and then password protect all of the files within the folder. Then, if you want to access it, you'll have to use the password that you set it all up with. If you don't have that option available and want to protect say word/excel files, click on the 'Save As' button and then click on tools in the box. Then click on general options and you should be able to set a password to encrypt those files. Feel free to drop me a message if you have any other questions =)
Answer 2 :
Get the folder lock software to password protect your files and folders http://www.techvts.com/security/folder-lock-download-to-password-protect-files/
Answer 3 :
You can DIY a Windows password reset CD. There is an Windows password unlocker.ISO image file integrated in the windows password unlocker. Burn the .ISO file onto a blank CD with your favorite burners or use the freely burner included in windows password unlocker. With the newly created windows password reset CD, you can reset windows admin password with our erasing anything else

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Thursday, November 14, 2013

What do I do if a creditor has not reported my account information to credit bureaus while in good standing?

What do I do if a creditor has not reported my account information to credit bureaus while in good standing?
I have had a car loan for two years and I recently checked my credit report and realized that they have not reported any information about this account the entire time. Is this illegal? If so where do I find more information about it?
Credit - 2 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
I don't think they have to report it. BUT most will. I would call them and find out why they are not giving you credit for this purchase. Im sure its just a oversight. I don't know if its a law or not but I would research some more google it and find out more on the topic. If it is then I would call and threaten them with legal action
Answer 2 :
They are not obligated to report it monthly. That's why I always answer on here to make sure they belong to the credit bureau. And yes, if you default on the loan, that will be recorded on your reports.

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Thursday, November 7, 2013

How do I know when money from my PayPal account has been transferred to my bank account?

How do I know when money from my PayPal account has been transferred to my bank account?
On Friday I transferred money from my paypal account into my bank account, how do I know when its done?
Credit - 6 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
i've done this before, but it can take longer than expected. I have got confirmation email when it's completed. Be patient, it's annoying really but can't be helped.
Answer 2 :
If you have online banking, go to your account and look for the transaction. Otherwise you can call your banks hot-line, speak with a representative and ask if the transaction has cleared OR you can walk into your bank and speak with a banker.
Answer 3 :
It normally takes three full working days for money to be electronically transferred, so it should be in your account on Tuesday or Wednesday. Confirm that the money has been deducted from the balance of your Paypal account. Wait 3 days then check your account balance at an ATM (cash machine), or call into your bank and ask for them to check recent transactions, or do it online if you are set up for internet banking..
Answer 4 :
by checking you bank account, it usually takes 3-5 working days, so it might be in on tuesday
Answer 5 :
On Paypal it will say "Completed" on the transaction register when they have transfered the money. I usually find that the morning after it says completed is when it shows up in my bank account.
Answer 6 :
You will have an email confirming the transaction. Then after 2-3 working days, check your bank statement.

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Friday, November 1, 2013

How can I make cash withdrawals with the consent of the account holder?

How can I make cash withdrawals with the consent of the account holder?
I have befriended an older lady who lives in my street, she has consented to pay me £100 per week if I keep her company, as she is very lonely. She wants to know how she can pay me directly from her account and what needs to be done to arrange this. Can you help her?
Personal Finance - 6 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
she could set up a standing order to your account? a bit tight to let her pay you just for being friendly though!
Answer 2 :
I totally agree with Ruthie. If your her friend why does she need to pay you. If you're keeping her company as way of a job then you will need to declare this to the tax and it will effect any benefits you are on. I am concerned about you tapping into her account!!!
Answer 3 :
I agree with the other two posts. Standing order is the way to go but you use the befriend? Like the two ladies have said, you shouldn't be taking payment for that. Make sure you're not exploiting this old lady's loneliness. Or perhaps that doesnt bother you?
Answer 4 :
Her bank can set up an automatic transfer to your account or mail you a check. I assume by keep her company, she means help out around the house and take her for walks and shopping etc, and on a schedule that works well for her? In that case, the criticisms from other posters here may be less relevant. But do examine your conscience please, and don't let a lonely old lady pay you just to come over and chat once in a while. Karma, remember?
Answer 5 :
please be extremely careful, if one of her family or social services finds out about this you could be in trouble.Please contact Age Concern or Social Services for advice and remember that this income will be taxable - you'll have to declare it and do your own tax returns.
Answer 6 :
Help her? or more to the point help you. I can't believe you're serious!

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