There have been some services online and auctions on ebay that I regreted not being able to buy, so now that I have a mastercard, I figured I'd get a pay-pal account. I know absolutely nothing about Paypal, so I have a few questions. 1. How old do I have to be? I'm exactly 1 month shy of being 18. 2. How does it work? Do I transfer funds to a paypal account, and then use those funds to make my purchases? Or does it do all the work for me, and all I need to do is tell it the amount of money to take out and my info. 3. Should I get the 'premier account' or not? And if so, what are the charges?