How Do I Transfer

• Here's what you'll need to prepare for your transfer: An account statement dated within the past 90 days from the company that currently holds the account you want to transfer. The dollar amount you want to transfer. The type of account you want to transfer (IRA, individual, joint, etc.).
• 1) From the Transfer money page, select the External account transfers tab. 2) Enter the amount you want to transfer, the accounts you want to transfer from and to, and select the Make recurring link. 3) In the Make recurring section, enter the start date, frequency and number of transfers for the recurring transfer plan.

1. Transfer From Old Computer To New Computer
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Select all the images you'd like to transfer. Just as in other Windows folders, you can select a range of photos by clicking the first photo you want, and then Shift+clicking the last photo in the range. Or, you can select multiple photos one at a time by Ctrl+clicking them.

If you're in a bind and need cash now, you've got options thanks to the availability of personal loans, credit cards and other methods for stabilizing your finances. One solution is to transfer money from a credit card to your bank account—a cash advance.

A cash advance lets you borrow money directly from your credit card rather than using your account for purchases. Some financial institutions allow you to directly transfer a cash advance to a checking account, while others require an extra step. Either way, due to hefty fees and steep interest rates that kick in right away, cash advances should only be used for emergencies.

Can You Transfer Money From a Credit Card to a Checking Account?

If you have a financial emergency and choose to take cash out via your credit card account, the way you'd do this is through a cash advance. This is a loan you must repay and that can't exceed the current balance available on your credit card. Be aware that interest starts accruing on the cash withdrawal as soon as you take it out. There's no grace period like there is with a typical credit card purchase, so if you need the money for something that you could just pay for with your card, it's better to that.

But if you need cash, the process for getting your money depends on your credit card issuer, so you'll need to find out what they offer. Here are a few ways you can typically get cash advance money into your bank account: How to download pdf viewer.

• Direct transfer: Some financial institutions allow you to directly transfer funds from your credit card to your checking account. U.S. Bank, for example, lets you complete this process entirely online. However, many issuers don't have this option. While this method is convenient, it might also make it a little too easy to take on more debt.
• ATM: Many banks and credit unions allow you to take out money for a credit card cash advance via an ATM; you just need to make sure your credit card has a PIN. If you need this money to go into your checking account, you can then deposit your cash into your account (either at an ATM that accepts deposits, or at a branch).
• In person: You may be able to take out a cash advance out in person at a branch. If you go this route, you could then deposit the cash into your checking account.
• Convenience checks: These are checks your credit card issuer sends you that you can deposit in your bank account or use to pay for something like you would with a personal check. They function much like traditional checks, except the money comes from your credit card's line of credit rather than your checking account.

Is It a Good Idea to Transfer Money From a Credit Card?

The short answer is no, it's not a good idea to transfer money from a credit card to your bank account. It's always a better option to use income or savings when possible to avoid going into debt. If it's an unavoidable emergency and you must take on debt, consider other options that carry lower interest first. This could mean a low interest personal loan, home equity line of credit or a new credit card with a 0% interest introductory offer. Or you could even try to borrow the money from a friend or family member.

They might not be as bad as payday loans, but cash advances should never be the first option you consider for fast cash. For one, the interest rate on a cash advance is typically very high, so if it will take you some time to repay it, you'll pay a pretty penny in fees for this privilege. The interest rate on a cash advance is typically higher than the purchase APR on a credit card. But with a credit card purchase, you'll at least have a grace period of no interest for a few weeks, so a purchase will carry no interest if it is paid off fast enough. Cash advances have no grace period, so the interest starts accruing as soon as you take the cash out.

Then there are the fees. Most credit cards carry a cash advance fee, which will be either a small flat fee or percentage of the advance amount, with the majority of card issuers charging a 5% fee for every cash advance. If you're taking out large amounts, that can add up fast.

Only take out a cash advance if you absolutely need the money in an emergency and don't have more cost-effective options. It's not wise to rely on them whenever you need money. You should also aim to only take out a cash advance if you can pay it back very quickly and minimize the amount of interest you pay. If your financial institution has online bill pay, this makes it easy for you to quickly start repaying what you've borrowed.

How Transferring Money From a Credit Card Can Affect Your Score

Keep in mind that using a cash advance to access money can have a negative impact on your credit. The amount of credit card debt you have relative to your total credit limit is called your credit utilization ratio, a factor that represents 30% of your credit score (it's the second-most important factor).

To find your credit utilization ratio, divide how much you owe on all your cards by your total credit limit. Using a significant amount of your available credit can be a red flag to lenders and creditors. Because of this, it's considered ideal to keep your ratio under 30%. Say your credit card's credit limit is $10,000 and you have a credit card balance of $4,000. Taking out a cash advance of $2,000 would cause your credit utilization ratio to jump to 60%. A ratio this high can start to negatively affect your credit score.

The Bottom Line

Fast cash is tempting, and credit card issuers offer many different ways to easily get a cash advance, including the ability to directly transfer money from a credit card to your bank account. But it comes at a price, with high interest rates, steep fees and the potential to cause dings to your credit score, a cash advance is rarely your best option. If your current credit card's cash advance terms are really bad, consider finding a different credit card with lower cash advance fees or interest rates.

Have you ever tried to send or receive a firearm but weren't sure how to do it?

Maybe you just bought a firearm online, or you need to ship a gun, and you're wondering how to transfer it. You might have looked into transferring the gun and you learned that transfers the gun through an FFL can involve navigating many rules and requirements around firearm transfer laws and shipping.

Worry not! Conducting an FFL transfer is easy…. once you know the firearm transfer rules, you'll be set.

In this article you'll learn:

• What a firearm transfer is
• When a transfer is needed (and when it's not)
• Firearm transfer rules
• How to find the right FFL
• How to ship a firearm
• Tips and tricks for a smooth transfer

FFL Transfers

A firearm transfer, simply speaking, is the change in possession of a firearm from an FFL to another FFL or a person/customer (non-FFL).

Technically, any changing of possession of any item is transferring the item, however, the term 'transfer,' when used with firearms, almost always means processing the gun through an FFL.

Since the Gun Control Act of 1968 (GCA), firearms that travel interstate (across state lines) must be transferred using a Federal Firearms Licensee (FFL). This means that firearm transactions (gift, loan, sale, etc.) that happen within the same state don't require an FFL.

NFA Firearms, like silencers, short barreled rifles, etc. need to be transferred to an FFL that is also an SOT. Despite a lot of people using the term, there is really no such thing as a Class 3 License but rather an FFL dealer (usually a type 1 FFL) with a Class 3 SOT.

NOTE: This is only under federal law – your state may require that all transactions go through an FFL.

So, if you want to loan/gift/sell a firearm to your friend while you are both residents of the same state (and while you're both in that state), you don't need to use an FFL under federal law. This is true even if you're shipping the firearm within the same state! However, see our guide on shipping firearms to see how it can still be problematic.

When an FFL is used to transfer a firearm, the FFL will acquire (receive) the firearm onto the FFL's records from an individual (seller) or another FFL (manufacturer or another dealer). Then, the FFL will dispose (give) the firearm to another FFL or to an individual. That entire transaction is a 'firearm transfer.'

There's a bit of paperwork and rules to follow…

Firearm Transfer Rules

The FFL needs to know where the firearm is coming from to properly log it into the FFL's records. The ATF requires that FFLs maintain a book with all acquisitions and dispositions in a book called the, you guessed it, Acquisition and Disposition Book (A&D).

If you are an individual sending a firearm to an FFL to be transferred, then you should include a copy of your driver's license in with the firearm so that the FFL can record your name and address. You may not like it, but it's a requirement that the FFL knows this information.

You should also contact the FFL prior to sending the firearm. After all, the FFL will need to know what to do with the firearm once they receive it. Often, FFLs will just ask you to write the name and contact information of who it is supposed to go to but sometimes they'll have a form for you to print and fill-in.

If the FFL is transferring the firearm to an individual (either the person buying your gun or you if the transfer is for your gun), then a ATF Form 4473 and background check (with some exceptions) must be completed. This form is the paperwork you fill out whenever you buy a gun from an FFL – it includes your information and answers to questions confirming that you aren't a prohibited person.

For long-guns (rifles and shotguns), the FFL can transfer the firearm to a resident of any state as long as it's legal in both states. Handguns, however, can only be transferred to residents of the state where the FFL is located.

Because you can only ship a firearm across state lines to an FFL, you should ALWAYS get a copy of the recipient FFL before you ship the firearm! Once you get a copy, I highly recommend that you use the ATF's FFL E-Z Check system. It's not a requirement but it ensures that you didn't get a fraudulent copy, a fake address, or a surrendered FFL (after it was copied).

I'm obviously biased, but this is one of the reasons I recommend getting your own FFL (even from your home). With an FFL, guns can be shipped straight to you – no transfer through another FFL needed! And if you'd like to get NFA firearms, you'll want to be an SOT, and not get a 'Class 3 License.'

Finding an FFL for a Transfer

How you do this will depend on whether you are the person shipping/giving-up the firearm or the person receiving it.

If you're shipping the firearm to someone else, you should have them pick the FFL they want to use and have that FFL send you instructions and a copy of their FFL.

If you're receiving the firearm, find a nearby FFL that you like working with and let them know that you're expecting a transfer – include the description of the firearm and the sender's information so that they can call you when your firearm arrives.

Here's a slick resource for finding an FFL: FFLGunDealers.net

FFL Transfer Fee

Your local FFL is likely to charge an FFL Transfer fee.

FFL Transfers fees depend on your local gun dealer. Transfer fees for FFLs typically range from $20 to $75.

You should ALWAYS ask your FFL what their transfer fees are before you pick that FFL for your firearm transfer.

Shipping Firearms

Shipping firearms can be tricky. It is perfectly legal for individuals to ship firearms through FedEx or UPS and long-guns (no handguns) through USPS.

However, FedEx and UPS's rules state that you must have an FFL involved in the transaction (which means they'll need to see the copy – don't tape your box up just yet!). And, it is hit-or-miss on which UPS and FedEx locations know their own rules on whether a firearm can be shipped by an individual. Be prepared for some weird looks.

Transfer From Old Computer To New Computer

If you're an FFL it's a LOT easier. You can have a shipping account and it raises a lot less questions. Also, as an FFL I walk right into a Post Office (despite the 'no guns' signs) to ship firearms (including handguns) because I'm an FFL. If you're interested in becoming an FFL, we offer a step-by-step course on getting an FFL and another for becoming an SOT.

An easy way to ship a firearm is to hire a local FFL to do it for you. You transfer the gun to them, they charge a fee, and then they transfer it to the other FFL.

Try not to include any marks on the outside packaging that indicate that it contains a firearm – a lot of firearm theft happens during shipments.

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And, ALWAYS ship with insurance and tracking information with adult-signature required.

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So, there you have it, transferring a firearm isn't that hard,

Extra Resources: