Merrill Lynch OnLine is an Internet-based service that provides a 24-hour connection to Merrill Lynch, giving you access to your account balances and portfolio holdings, statements, stock quotes, news and research.

Merrill Lynch reached a previous settlement with state regulators. As a result, it does not have its own Distribution Fund. Investors qualify to be reimbursed for net losses, which include commissions and fees paid on equity security transactions.

Yes, if you are signed up for Merrill Lynch OnLine and have enrolled in our Client Order Entry service. More importantly, if you're enrolled in our Unlimited AdvantageSM service, you can place trades online, by telephone or through your Merrill Lynch Financial Consultant - however you prefer! See your Merrill Lynch Financial Consultant or click the "Trade" tab within Merrill Lynch OnLine for more details.

Account information is updated on a daily basis and is shown as of the close of business the previous day. All other information (e.g., quotes and other market data) is updated approximately every 15-20 minutes. No, Merrill Lynch OnLine is intended to provide you with on-demand access to current account information whenever you want it. You will continue to receive a printed statement and also be able to view copies of your statements for the previous 18 months online.

When you invest with Merrill Lynch Direct, you can feel confident about investing with a firm that has a long-standing reputation for integrity, financial strength, and stability, as well as the capability to meet your changing financial needs. Our commitment to getting you the best possible execution on your listed equity orders, a practice that saves our clients millions of dollars each year.

Merrill Lynch sells over 3,000 mutual funds offered by more than 120 fund families. In addition, you can purchase well known no-load mutual funds through your Merrill Lynch Direct account. Click here for a complete listing of fund families available to you as a Merrill Lynch Direct client.

Absolutely. When you visit the Merrill Lynch OnLine site and provide your ID and password your session is encrypted at the 128-bit secure level - even if your browser is a 40-bit browser.

Yes. Merrill Lynch OnLine gives you the ability to send e-mail messages directly to your Merrill Lynch Financial Consultant, even if you don't know his or her e-mail address.

The Merrill Lynch OnLine Help Desk is available any time, day or night, by calling 1-888-656-6546 (1-888-ML-ONLINE). This is a toll-free call.

Please contact Merrill Lynch, and they will be glad to assist you. Merrill Lynch contact information can be found on the ESC home page.

Verifying your credit ratings helps to identify and solve any credit issues or discrepancies. In order to check your credit ratings obtain a copy of your credit report from any of the prominent reporting agencies. Few of the top credit rating companies are

Yes, Quantum trains for all ratings from Private to Airline Transport Pilot, including Instrument and Instrument Instructor ratings.

Absolutely! We specialize in dealing with all credit profiles. Waste no time in filling our no obligation mortgage quotes. We will study your situation and your requirements and will find you the type of mortgage you require at affordable rates.

It is advisable to verify your credit ratings before applying for mortgage. This will help you identify and solve any credit discrepancies that may be present in the credit report. This in turn helps to receive better mortgage terms and lower interest rates. You may obtain a copy of your credit report from any or all of the following credit rating companies:

Well, I collect all sorts of humor. The criteria are simple ... if I think it's funny, it'll probably show up here sometime. But, as you can guess by now, the collection may well include things that might offend some people - things like sexual innuendo, nudity or coarse language. This isn't a collection of tasteless or dirty jokes, and in fact most are fairly clean.

raters answer the questions, they think about the main characters in the story and about the overall thrust of the story. If characters change morally, they rate them on how characters were at the end of the story. Because RECS rates the stories for what they can teach children, raters try not to make assumptions about thoughts or actions that were not explicitly in the story, paying attention to what characters say and do.