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(Ak: Uusi sivu: It is important to check credit billing and electronic fund transfer account statements regularly because these documents may contain mistakes that could damage your credit status...)
 
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It is important to check credit billing and electronic fund transfer account statements regularly because these documents may contain mistakes that could damage your credit status or reflect improper charges or transfers. If you find an error or discrepancy, notify the company and dispute the error immediately. The Fair Credit Billing Act (FCBA) and Electronic Fund Transfer Act (EFTA) establish procedures for resolving mistakes on credit billing and electronic fund transfer account statements, including:
So now that you are now are in market for a new computer you are faced with a common dilemma. Should you get a desktop or a laptop? Desktops are fine if you an enthusiastic gamer but laptops are the definite choice for the average consumer. Hence, in this article we will examine the many benefits of owning a laptop.


• charges or electronic fund transfers that you – or anyone you have authorized to use your account – have not made;
Mobility
One of the key benefits of owning a laptop is that it is mobile. You longer have to reside behind a computer desk. With a laptop you can take your work outside, on the road, in a plane and practically any place that has a power outlet. Apart from this, the portability aspect of the laptop allows users to be more social than desktop users. Laptops users can mingle with their friends and peers while doing their work done at the local café.


• charges or electronic fund transfers that are incorrectly identified or show the wrong date or amount;
Productivity
It is also now a proven fact that laptops helps to increase productivity, companies and educational institutions are catching on to this fact and are either requiring or issuing laptops to their employees and students. It is shown that only 1 out of 7 of laptop users felt that their laptop added to their stress while the majority believing that their laptop made them more productive.


• math errors;
More Compact
Compared to desktops, laptops are smaller in size and therefore occupy less space. This is an advantage in areas with little free room like a small office or a student’s dorm room. Given its small size, laptops are also easier to maintain, you don’t have to worry about air vents being blocked by dusk balls, and laptops are also more cost effective as they use less electricity than desktops.


• failure to post payments, credits, or electronic fund transfers properly;
Performance
Apart from gaming laptops are similar in performance, if not better, than desktops. Modern laptops can run now programs that previously had only been associated with bulky desktops. Also unlike desktop users, laptop users are more likely to use their laptop as tool rather than a entertain system and tend to install programs that they need. Laptops users are generally more security aware, and are less likely to be infected by spyware and malware.


• failure to send bills to your current address – provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends;
In conclusion, if you like bulky, noise babbling, power sucking, and heat generating machines get a desktop else stick with a laptop.


• charges or electronic fund transfers for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification.
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The FCBA generally applies only to “open end” credit accounts – credit cards and revolving charge accounts, like department store accounts. It does not apply to loans or credit sales that are paid according to a fixed schedule until the entire amount is paid back, like an automobile loan. The EFTA applies to electronic fund transfers, like those involving automatic teller machines (ATMs), point-of-sale debit transactions, and other electronic banking transactions.
 
Knowing your rights is the first step in keeping track of your electronic transactions and thwarting identity thieves.  Checking your records for charges or transfers that you didn’t make will ensure that your credit record is correct and erroneous charges aren’t made.  You are the first line of defense against the bad guys who are trying to access your electronic accounts.
 
Use common sense when making an electronic transaction and ensure that the transaction is secure.  Checking your account online daily will allow you to see any unusual purchases or transfers and report them in a timely fashion instead of waiting for your monthly paper bill to arrive.  You are the first line of defense and can help protect your good credit with very little effort.  It only takes a minute or two per day to log in to your account and make sure that everything is OK.  Take the time and enjoy the peace of mind.
 
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Nykyinen versio 5. syyskuuta 2015 kello 15.39

So now that you are now are in market for a new computer you are faced with a common dilemma. Should you get a desktop or a laptop? Desktops are fine if you an enthusiastic gamer but laptops are the definite choice for the average consumer. Hence, in this article we will examine the many benefits of owning a laptop.

Mobility One of the key benefits of owning a laptop is that it is mobile. You longer have to reside behind a computer desk. With a laptop you can take your work outside, on the road, in a plane and practically any place that has a power outlet. Apart from this, the portability aspect of the laptop allows users to be more social than desktop users. Laptops users can mingle with their friends and peers while doing their work done at the local café.

Productivity It is also now a proven fact that laptops helps to increase productivity, companies and educational institutions are catching on to this fact and are either requiring or issuing laptops to their employees and students. It is shown that only 1 out of 7 of laptop users felt that their laptop added to their stress while the majority believing that their laptop made them more productive.

More Compact Compared to desktops, laptops are smaller in size and therefore occupy less space. This is an advantage in areas with little free room like a small office or a student’s dorm room. Given its small size, laptops are also easier to maintain, you don’t have to worry about air vents being blocked by dusk balls, and laptops are also more cost effective as they use less electricity than desktops.

Performance Apart from gaming laptops are similar in performance, if not better, than desktops. Modern laptops can run now programs that previously had only been associated with bulky desktops. Also unlike desktop users, laptop users are more likely to use their laptop as tool rather than a entertain system and tend to install programs that they need. Laptops users are generally more security aware, and are less likely to be infected by spyware and malware.

In conclusion, if you like bulky, noise babbling, power sucking, and heat generating machines get a desktop else stick with a laptop.

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