Excel jobs remote jobs

I have a project that entails exporting contacts from one database and merging them in a particular manner. Here's what I need: • Transferring d...exporting contacts from one database and merging them in a particular manner. Here's what I need: • Transferring data between databases -- changing to a new program • Combining the Excel rows into a single cell. Only the address, city, state, zip into one cell. Name, phone, email will stay separate. • The final format for the merged data should be in CSV. Ideal skills and experience required for this project include extensive knowledge about Excel functionalities, CSV formats, and database management. Previous experience with contact data transfer and merging will be highly appreciated. Let me know...

Please Sign Up or Login to see details.

I'm looking to create a binding within Openhab for an Elmo alarm system. The binding needs to enable the following functionalities: - Remote arming and disarming of the alarm system. - Monitoring the status of individual sensors and zones. - Sending sensor states to OpenHAB items. I do have a similar project that was written in Python for Home Assistant which I can provide as reference and guidance. Ideal Skills: - Strong experience with Openhab binding. - Proficiency in Python programming. - Familiarity with the Elmo alarm system will be a plus.

I have a project that entails exporting contacts from one database and merging them in a particular manner. Here's what I need: • Transferring d...exporting contacts from one database and merging them in a particular manner. Here's what I need: • Transferring data between databases -- changing to a new program • Combining the Excel rows into a single cell. Only the address, city, state, zip into one cell. Name, phone, email will stay separate. • The final format for the merged data should be in CSV. Ideal skills and experience required for this project include extensive knowledge about Excel functionalities, CSV formats, and database management. Previous experience with contact data transfer and merging will be highly appreciated. Let me know...

I'm in need of a talented After Effects expert who can handle my project on a very urgent basis. The job entails tasks in both visual effects and motion graphics, requiring exce...to enhance the visual appeal of the content, ensuring it's engaging and high-quality. - Crafting engaging motion graphics: The task includes creating dynamic and appealing animations that complement the content. Ideal Candidate: - Proficient in After Effects: It's crucial that you have substantial experience and expertise in this software. - Skilled in visual effects and motion graphics: Prior jobs or a strong portfolio in these areas would be highly beneficial. - Ability to work under pressure: Given the urgent timeline for the project, you should be able to handle stress and deliver high-...

**Job Posting: AI Music Lyrics Generator** **Position:** AI Music Lyrics Generator Developer **Location:** Remote **Type:** Full-time/Contract **About Us:** We are a cutting-edge tech company dedicated to revolutionizing the music industry through innovative AI solutions. We aim to empower musicians, artists, and producers by providing them with advanced tools to enhance their creativity and productivity. **Job Description:** We are seeking a talented and experienced AI Developer to create an advanced AI Music Lyrics Generator. This bot will be capable of analyzing uploaded instrumentals and generating both the lyrical flow and content to match the music. The lyrics produced must be clean and suitable for audiences aged 18 and above. **Key Responsibilities:** - Develop and imp...

...request to courier confirmation. *** Current Process *** (The current process excel files will be given aswell as the detailed process) Request Submission: Teams within the company fill out an Excel file with transport details, including pickup location, destination, size, and weight of the shipment. Courier Selection: The logistician identifies 3 or 4 potential couriers from a database based on the transport's distance, size, and location. The logistician contacts these couriers via Outlook to inquire about availability and pricing. Selection and Confirmation: Upon receiving responses, the logistician selects the best courier based on price and availability. The logistician fills out an order form in Excel, converts it to PDF, and sends it to the chosen co...

I'm in need of a talented After Effects expert who can handle my project on a very urgent basis. The job entails tasks in both visual effects and motion graphics, requiring exce...to enhance the visual appeal of the content, ensuring it's engaging and high-quality. - Crafting engaging motion graphics: The task includes creating dynamic and appealing animations that complement the content. Ideal Candidate: - Proficient in After Effects: It's crucial that you have substantial experience and expertise in this software. - Skilled in visual effects and motion graphics: Prior jobs or a strong portfolio in these areas would be highly beneficial. - Ability to work under pressure: Given the urgent timeline for the project, you should be able to handle stress and deliver high-...

Hi Rahul - I have an excel sheet that we currently use to calculate fees based off different calculations. I would like this form to be simpler, and easier to use.

I'm looking for an experienced Power BI specialist to create a dashboard for me. The data that I would like to be integrated into this system is in an Excel spreadsheet. Key project requirements include: - Creation of a detailed and interactive Power BI dashboard - Integration of Excel data sources into the dashboard - Configuration of the system to ensure real-time data updates Ideal Skills/Experience: - Proficiency in Power BI, particularly in creating dashboards - Experience in integrating data from Excel spreadsheets - Understanding of how to configure real-time data updates in Power BI.

We are in need of a virtual assistant to post a job daily on LinkedIn following a specific set of steps. Ideal candidates for this position should have: - Excellent attention to detail - Strong organizational skills Only one job post will be required per day; we provide the necessary information to include. This is an ongoing posi...candidates for this position should have: - Excellent attention to detail - Strong organizational skills Only one job post will be required per day; we provide the necessary information to include. This is an ongoing position and the right candidate will be detail-oriented, able to work independently, and have strong communication skills. Please apply if you're interested in becoming a part of our remote operations team as a virtual assist...

We're a dynamic agency specializing in helping businesses stand out on YouTube. We're currently on the lookout for a YouTube SEO specialist to boost the visibility and ranking of our high-quality content on the platform. Key Responsibilities: - Implement advanced SEO techniq...techniques specific to YouTube. - Proficiency in utilizing analytics tools to drive decisions and enhance content performance. - Strong creative skills for developing eye-catching thumbnails and titles. - Passionate about the YouTube platform and staying up-to-date with the latest trends and algorithm changes. If you're ready to join a results-driven team and help businesses across various industries excel on YouTube, we'd love to hear from you. A perfect opportunity to apply your SEO exp...

Beginner level freealancer to create an mcq list for moodle quiz website in Aiken formatting. Aiken format I am following is Frusemide tablets 40mg tablets are in stock. How many would you give for a dose of 120mg? A) 3 tabs B) 2 tabs C) 4 tab...Question and Answer pdf is given, In the format mentioned above, just add another 3 options in Google sheet, and write the answer in Aiken formatting. Note: The question should be in one line (cell). After Each "ANSWER: X" is marked, the next line/row will be blank. Can you do a sample for the first 3 mcq? Can you do this for a 5-star review and lowest price? Do the sample in the attached Excel file by referring to the PDF attached. For sample, do the 3rd, 4th and 5th question as example in google sheet online and share th...

We need an experienced Magento developer to assist with updating third-party extensions when conflicts arise due to newer php/mysql versions. Timeline: Start on the first project on 20th May using remote desktop tools like UltraViewer or AnyDesk for real-time collaboration. Bidders must be highly proficient in Magento 2.4x.

...areas to rectify an unexpected issue with a stolen phone and compromised Gmail account. - Bypass Google's second verification: My Gmail account is currently secure with two-step SMS verification. However, the difficulty is that I don't possess access to the phone where the verification code is sent via SMS. Thus, I need assistance in circumventing this verification to recover my Gmail account. - Remote data wipe: Since my phone has been stolen, I wish to delete all data stored on it remotely. I'm looking for a professional with understanding in Google’s verification systems and proficient knowledge in remotely wiping data from an Android device. Privacy and accuracy are paramount in this task along with a swift completion. Your previous experience in cyber ...

...will be responsible for inputting and maintaining various financial data into spreadsheets and databases. - Accuracy and Attention to Detail: Ensuring the provided data is accurately entered, including cross-referencing and validation. - Data Quality: Assisting in maintaining the quality of the data and suggesting improvements where necessary. Skills and Experience: - Proficiency in Microsoft Excel is a must as this will be the primary tool used. - Previous experience in finance-related data entry is advantageous but not mandatory. - Strong attention to detail and accuracy are highly valued. - Understanding of basic financial jargon will be beneficial. This role requires someone who is organized, reliable and able to work independently. The workload will be part-time with flex...

The ideal applicant will have a significant amount of experience working in the educational sector, with a special emphasis on dealing with material that is written specifically in Chinese. Additionally, the applicant is required to de...a daily commitment of three to five hours, the time period that is anticipated to be required to do this activity is around one to two weeks. The speed has to be moderate and should make it possible to do anything on time. I was wondering how many projects you have finished. Could you please tell me about your previous experience working as a translator and whether or not you are available for jobs of varied lengths? I would appreciate it if you could tell me about your experiences with your prior employment, whether they include pleasant or bad e...

As an experienced data entry professional with three years of remote work experience, I am seeking new data entry opportunities from home. My expertise primarily lies in entering customer information, a task I have performed with precision and efficiency in the past. Key Requirements: - Data Entry: Primarily focused on entering customer information. - Software Proficiency: Proficient with Google Sheets. Ideal Skills: - Exceptional attention to detail. - Strong organizational and time management skills. - Previous experience working remotely. - Familiarity with other tools or software for data entry tasks is a plus.

I'm looking for a skilled and experienced Native Android developer who can help me with an issue regarding my custom-made AZAN alarm app. The problem is that the AZAN Alarm isn't functioning as it should. some time work sometimes no. IMPORTANT NOTE:- *THE ONLY ONE WHO CAN FIX CODE ON MY COMPUTER VIA REMOTE DESKTOP CAN COT HERE. PROJECT WILL BE AWARDED BEFORE START* Key Responsibilities: - Diagnose and troubleshoot the issue with the AZAN Alarm - Fix the alarm, ensuring it works consistently and accurately - Test the app after the fix to confirm the problem has been resolved Regards

...experience with developing chatbots - Familiarity with sentiment analysis - Ability to create personalized recommendations for users - Skilled in extracting and understanding content from PDF files - Strong problem-solving skills and attention to detail Details - Upload Excel file containing Expediente Codes - Use automation and OpenCV to solve Captcha and download files - Upload files to s3 bucket - Integration with existing system - use google to authenticate to the system (maybe change to office 365) Requirements: - REMOTE SERVER: Existing server - Access to S3 Bucket - Access to chatgpt api - Access mysql aws instance We need access to final git repository Project Completion: 2 weeks This project is an exciting opportunity to work on a cutting-edg...

I need a freelancer to search for the "Business Directory" URL on 342 websites. The websites are in the following sheet (I have added business directory URLs for the first four entries, as a sample): You will search for the business directory URL on each website, then enter the URL in the "Business Directory" column of that Google Sheet. (Note: some websites don't use the exact term "business directory". What I'm looking for is the web page on each site that contains the list of businesses in each city, so the business directory could be called something else, for example "business listings".) The task is a one-time search. My budget is $20. This is an excellent project for a new freelancer who is looking for a 5-star review.

...Everyone will see the photos they have permission to. He will be able to filter and sort them on a basic basis - Photographer rating system System users: - Broker ◦ Establishes a request for a photo shoot ◦ Selects the date and service ◦ Sees his orders including the resulting photos ◦ Evaluates - Photographer ◦ Sees assigned jobs with a schedule (calendar) of jobs ◦ Confirms the job ◦ Inserts the resulting photos ◦ Sees your historical orders as well Here is the necessary screens: ### 1. Login Screen - **Purpose:** Allow users (brokers and photographers) to log in. - **Elements:** - Email/Username input - Password input - Login button - Forgot Password link - Signup link ### 2. Profi...

We are developing a spreadsheet-based database of the most popular English quotations (or English translations), and are looking for a researcher with native English language skills who can identify and collate (into Excel or Google Sheets) the following requirements, providing the quotation, the author, and the source document (if available): - 1,000 most popular quotations from literature (prose and poetry), excluding Bible quotations and the works of William Shakespeare - 500 additional most popular English language quotations in addition to the above (from non-literary sources - 200 of William Shakespeare’s most popular quotations Maximum length of each quotation is 55 words. Extensive source material is available online, and we encourage the use of existing source mate...

I need an experienced data entry freelancer who can assist with a high priority task. The project involves inputting data into an Excel spreadsheet and carrying out online data entry tasks. The ideal candidate will be proactive, detail-oriented, and able to work efficiently with minimal supervision.

As discussed, this includes the following - 1. Automated trading functionality in excel using the TWS API 2. Customization of entry and any other rules post discussion 3. Python codes 4. Deployment support and 2-weeks support for smooth operation

I am in need of someone adept in Excel and knowledgeable in medicine, especially in dosages and weight-based calculations. The challenging aspect of this project is to modify an existing locked Excel spreadsheet which is used to calculate dosages once a patient's weight is entered. Tasks involve: - Updating the dosages of specific medications based on the guidelines I have on hand. - Modifying the weight-based formula in alignment to these dosage updates. Skills and experience: - Proficient in Excel and worksheet protection - Comprehensive understanding of medical dosages - Experience or understanding of weight related dosages calculations. I will provide the necessary medication and dosage guidelines to the successful bidder for reference. The idea...

...that I'm developing. The design will be specifically for a mobile platform. Key Features: - Real-time Monitoring: The primary function of the app is to provide users with real-time monitoring of their smart home devices. - Notifications: The app should be able to push notifications to users to alert them of any important events or changes in their home. - Remote Control: While not explicitly mentioned, I'd like to ensure that remote control features are intuitive and accessible in the design. Your deliverables should include wireframes, mockups, and a clickable prototype. Prior experience in designing for IoT or home automation applications is a big plus. Please also provide a portfolio of your previous UI/UX designs for mobile apps. Looking forward to se...

Calling all superstar Business Development Specialists! Do you crave building strong relationships and exceeding targets? Are you passionate about the future of remote work? We're a remote-first recruitment agency on the lookout for an exceptional BDS to supercharge our US client base! Here's the Game Plan: - Target: Verified US companies (1-500 employees) actively seeking top talent for their remote positions. - Become an Expert: Deep dive into the hiring needs and challenges of industries embracing remote work. Master the art of tailoring our recruitment solutions (traditional, RaaS, Staff Leasing) to meet the unique needs of small businesses. - Lead Generation Guru: Craft targeted prospecting and outreach strategies to generate high-quality leads...

I'm looking to test database scraping on a website to extract names and potentially contact emails (if available). The data doesn't necessarily need to be organized or cleaned post-extraction. Ideal Skills: - Proficiency in web scraping tools - Understanding of database structures - Familiarity with handling contact information The data should be organized in an excel and csv based on the desired layout.

...maps. The goal is to clearly illustrate the evacuation routes within the building's layout. Requirements: - The present pdf copy of the floor plans should be converted into an editable format. The preferable formats are Word, Excel, or Editable PDF. - Use color-coding to differentiate the evacuation routes for better clarity. The color to be used for the evacuation routes is Red. Ideal Freelancer: - Proficient in creating and editing floor plans. - Skilled in using software that can create and edit floor plans, such as Adobe Acrobat for PDFs, Microsoft Word and Excel. - Experience working on evacuation plans or similar projects is an advantage. - Knowledge of color-coding and its application within floor plans to ensure the clarity of the evacuation routes. The ...

I'm looking for a skilled 1C developer who can assist with a comprehensive set of tasks related to my 1C:Enterprise 8.2 v system. Main Tasks: * Customizing the existing software * Developing new modules * Integration of the 1C with other systems Industry Application: The tasks should be carried out with an understanding of the retail and wholesale sector requirements. Thus, experience working in this sector will be advantageous. Ideal Experience and Skills: * Extensive knowledge and understanding of 1C:Enterprise 8.2 * Proven experience in customizing and upgrading 1C:Enterprise software * Prior experience in creating and launching new modules * Ability to successfully integrate 1C with other systems, ensuring seamless transition and function. * Knowledge of the specific needs an...

As a company, we're looking for talented freelance individuals in the Design and Creative field. The ideal candidate should: - Have a strong portfolio showcasing a variety of design projects - Be able to take on projects on a freelance basis - Be active on social media platforms, as it is our platform of choice for posting these positions The perfect fit is someone who not only has the skills and experience in Design and Creative roles, but also is comfortable working on a flexible, project-based freelance regimen. If you're a freelance designer looking to take on some extra work and expand your portfolio, we would love to see what you've got.

Start your offer with the word in the att...Videos on their sites. Prepare a list with : Name of the company, youtube Channel, Link to the first youtube video you find on the site, PLZ, City, State, Phone, Mail, Website Niches: Construction Systems in Austria, Germany and Switzerland Phsiotherapeuts in Austria, Germany and Switzerland I would like to have at least 2000 websites with top-quality data. Delivered in 1 day. Delivery in one Excel file. Time of delivery is a key element in our decision. Offer a price for 2.000 data entries. We extend our partners for this kind of task´s. With all of them we have a longterm Partnership. To decide who is our partner and to see your understanding, please provide a sample with at least 50 data entries within 2 hours of starting our...

We are seeking a virtual assistant to assist with daily job posts on LinkedIn. Key Responsibilities: - Daily job post on LinkedIn, once a day at the time slot of your preference. The ideal candidate for this role should be well-versed with LinkedIn and have excellent organizational skills to ensure the job posts are made consistently and timely. A creative individual who understands the dynamics of job postings and can present them in a professional yet engaging manner will be highly preferred. This role need no experiance so anyone can apply, this may be a perfect fit for you.

...understanding of this field. As a VA, you will play a pivotal role in managing various tasks associated with our crypto-related platforms, including a YouTube channel, social media accounts, a blog, and a Telegram community. Key Responsibilities: Research and Summarization: Conduct research on new crypto products, trading companies, and product features. Summarize findings in visually appealing Excel sheets or Designs or reports for easy comprehension. Partnership Outreach: Reseacrch & Contact potential partner programs to explore collaboration opportunities. Negotiate special deals, such as free products or community discounts, or paid sponsorships. Follow up with potential partners to finalize agreements. To manage inbox and keep it up to date Replying to Inquirie...

I am planning to use 1.69" LCD Display Module (240x280) with raspberry pi 5 to draw animated eye … I am looking for a developer to help me in 1- setting up the screen to work with raspberry pi 5 like this :RPI_for_1.69_lcd_module 2- setting python on my rasp...LCD Display Module (240x280) with raspberry pi 5 to draw animated eye … I am looking for a developer to help me in 1- setting up the screen to work with raspberry pi 5 like this :RPI_for_1.69_lcd_module 2- setting python on my raspberry 3 - write a python code to draw animate eye like this I will give remote access to my raspberry pi 5 and the developer should install everything live to my items.

I'm in need of a skilled freelancer to assist with some data entry work. While the specifics of the work have not been defined yet, it will likely involve entering data into a database, transcribing written documents into digital format, and/or filling out online forms. The task can involve different formats such as Excel spreadsheets, Word documents, or online platforms.

I'm in need of a virtual assistant to handle some of my ...communication, organizational and time management abilities. The most important thing is your willingness to learn and your reliability. Please only apply if you can commit to the specified hours and are serious about this opportunity. Having a computer is mandatory Should have at least 1 year of Virtual Assistance experience + Social networks experience is important + Jobs website handling is beneficial+ Ready to work 100% remote / work from home + Flexible hours + 6 days a week + Full time + Good computer + Good Internet connection + Start Immediate + From any country ( Indonesia / Bangladesh / Philippines / Asia / Africa countries / China / Russia / Bulgaria / Colombia / Peru / Venezuela / Sout...

I'm seeking to secure funding for a multi-industry workers' accommodation project. The accommodation caters to construction, seasonal farm, wind farm, abattoir, and gold mine workers. For this, I need a professionally crafted project proposal and a corresponding financial model in Excel. Ideal freelancers for this project should possess: - Proven experience in drafting project proposals related to housing or accommodation - In-depth knowledge in the creation of financial models using Excel - A strong understanding of multi-industry accommodations - Great analytical and strategic thinking skills - Familiarity in the Construction, Agriculture, Energy, Food Processing, and Mining Industries would be advantageous.

Innovation Company Product Manager seeks VBA developer for Excel app development Your resources • Windows 10/11 & MS Office (sorry MS Office MacOS has too many compatibility problems!) • Location with good acoustics, headphones, good internet (so we can have high quality meetings). ESSENTIAL - DO NOT IGNORE THIS! Your skills • Experienced with Excel and Excel VBA coding to professional standards • Good conversational Technical English • Touch typing (we do live meeting notes) • Python OO coding experience would be good Your Technical Knowledge and experience • VBA sufficient so that you can develop (or source and enhance) • Create a professional app/plugin • Create coding standards including trialling GITHUB integr...

I'm looking for assistance with online data entry to Excel. The task is not overly complex but will involve working with reference numbers and ensuring accurate data entry and cross-referencing. Full training will be given and I will explain all. Budget is hourly and $3 max need to have good understanding of English

The Job You will be responsible for : Handling inbound calls and emails in a professional manner. Resolving customer inquiries and requests and ensuring strong customer satisfaction. Working with various internal teams to ensure prompt and accurate order processing and delivery. Escalating customer feedback as required. Ideal Candidate You have at least 1 year experience within a Customer Service or Customer Success role, ideally within the Ecommerce / Marketplaces, IT Services and Retail industry. You possess excellent interpersonal as well as written and verbal communication skills. You are a strong team player who can manage multiple stakeholders You are adaptable and thrive in changing environments You pay strong attention to detail and deliver work that is of a high standard

...BI professional to assist with creating interactive dashboards and generating data visualizations. The selected expert will be expected to work with data from both Excel spreadsheets and SQL databases, so experience with these sources is crucial. I will be looking for an advanced level of expertise, as the job will involve complex data modeling and designing sophisticated, interactive visual reports. A strong understanding of data analysis and visualization techniques is essential. Key responsibilities and qualifications include: - Creating interactive dashboards - Generating data visualizations - Working with data from Excel spreadsheets and SQL databases - Demonstrable advanced level of Power BI experience - Advanced knowledge of data modeling - Proficient in designin...

...Central) • Advanced knowledge of Microsoft Office (expert in Excel) • Experience using project management platforms (Trello) • Able to analyze workload and tasks to estimate turnaround times • Fluent in English, other EU languages is a plus • Strong attention to detail • Analytical skills • Research and Problem solving skills • Strong interpersonal skill • Most importantly be passionate about communicate and helping others Nice to have • Amazon account suspensions & disputes knowledge • Amazon FBA disbursement & shipping plans knowledge • Expert in PowerPoint • Strong analytical and reporting skills including measuring the performance of all Amazon campaigns What we offer • Competitive salary • P...

I have a 1-page Excel spreadsheet with 9 text columns that need to be merged. I'm looking for someone who can start this job immediately and has experience in Excel data manipulation and formatting. Please only bid if you can do this job immediately and I will award and give you the file.

I'm in need of a professional resume tailored for the technology industry. This resume should be ATS (Applicant Tracking System) friendly and highlight my expertise in DevOps and Site Reliability Engineering. The final resume should be provided in PDF format. Ideal freelancers for this project would have: - Experience in resume writing, specifically for technology jobs - Understand ATS compliance to ensure the resume doesn't get overlooked - Ability to highlight specific skills for DevOps / Site Reliability Engineering - Exceptional writing, formatting, and design skills to make the resume stand out Craft the content carefully, with a full grasp of the technology industry standards and jargon. Your attention to detail will be vastly appreciated. Looking forward to workin...

I'm seeking an expert in Excel analytics. This project involves working with existing but undisclosed business data to help me understand and optimize the business's performance through indicators like KPIs. The freelancer's task encompasses: - The creation of robust dashboards that effectively communicate KPI outcomes. - The execution of classification analysis to differentiate key data points. - Clustering the data into discernable patterns to aid business decision making. Ideal skills for this job include Excel proficiency, data analytics experience, and an understanding of key business metrics such as KPIs, dashboards, classification, and clustering. A background in business data analysis and the ability to assign meaning to raw data is desired.

I'm in need of a professional who is highly skilled in Excel for a project involving 4-color conditional formatting. The project will focus predominantly on numerical data. Here are the essentials: - Proficiency in Excel is crucial - Deep understanding of 4 color conditional formatting, specifically with numerical data - Experience with setting color-coding based on specific values I'm looking for an expert who can swiftly and accurately apply this formatting to a substantial amount of data. Thanks for considering bidding on this project.

I am looking for a tech-savvy professional who can create an application that allows for seamless remote control of ventilation systems. The ability to work across multiple platforms is essential as the application needs to be compatible with iOS and Android devices, as well as Windows computers. Primary Features: - Timer scheduling - Remote control of ventilation systems - Monitoring parameters including temperature, humidity, twilight, and weather - Real-time notifications and alerts - Scheduling system actions - Support for multiple users simultaneously Given the sensitive nature of the data and operations, the application must be secure. Your work will involve implementing advanced encryption to safeguard our communications and data. The ideal candidate for this projec...

I HAVE A WORD DOCUMENT THAT FEEDS VIA AN EXCEL SHEET VIA A COMPLEX VBA .. I need the following to addede: Split of Clients for Buys, Sells, Buy/Sell Spreads, Brokerage, Management Costs Currently, the Excel only allows the input of trades for one client, however, we’d like to have this broken up to at least 3 clients (I remarked client and partner in the meeting, however, we have some clients who have an account each, plus a joint-account).