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On the promotional front Visa has linked up 100 million Signature and Rewards accounts to receive merchant mailers.
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Some 19m families, 90% of Iran's population, have done so, setting up bank accounts to receive monthly payments based on numbers of family members.
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Venture capitalists, themselves new on the scene, say entrepreneurs are now willing even to pay taxes and keep accounts in order to receive credits for expansion.
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Users who link their bank accounts to Google Wallet receive transactions for free.
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The government needs to get these people to open bank accounts so that they can continue to receive benefits.
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If the consumers are still Capital One customers, they will receive a credit to their accounts.
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But the example of Japan suggests that nervous savers may be happy to receive nothing at all from their accounts if they think that is the only safe option: the return of capital becomes more important than the return on it.
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Users can become a fan of "Facebook Security" and receive updates on how to protect their accounts.
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Are doctors guilty of fraud if they accommodate patients and write prescriptions not for medical purposes, but to help patients receive reimbursement from tax-favored accounts?
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With these new accounts, Americans can invest as they choose, and receive funds to match a portion of their savings, with extra help for those least able to save.
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However, with interest rates dropped to extreme lows in the Great Depression, those who still had money were eager to invest in something that would provide more income than they could receive on savings accounts.
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