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25.03.2014
Images,snapshots,and pics often capture a sentiment,a mood,a feeling,or even an idea of a person who's at the center of attention.
Throughout the years,pictures has become one of the most popular ways to capture memorable moments.
And certainly,for a tantamount of consumer and shoppers you cant put a price tag on family and holiday pics.
Decades after the invention of the first camera, a large number of consumers and shoppers continue to take pics, in a hgh tech fashion. Instead of the antiquated bulky cameras with huge lenses,consumers and shoppers frequently use SmartPhones and digital cameras to capture images and to take holiday pics. A  Due to the format of the B of A email, and the copious amounts of "filler" statements they use; the series is a bit difficult to follow.
From family gatherings,to family picnics to traditional weddings to the holidays,consumers and shoppers often seize the opportunity at planned events and during the holidays for instance Thanksgiving and Christmas to take pictures of loved ones,family,friends and co workers.
A  I usually write correspondence to fit the lowest common denominator, but how low can one go?A  Although I'm willing to bet that if I reverted to primal grunts, and what could be considered a primitive, yet well understood gesture even in our modern world; that someone on the other side of the Banking Center counter might have their mind bulb flash, if only momentarily. Since founding csaccac Inc in 2010, as Founder and President,I fill many hats including Product Tester and photographer.
And truthfully speaking,in the beginning I experienced some difficulty;however,after I purchased my first digital camera I began to feel comfortable and enjoy the ease of taking pics with a digital camera. Months after I purchased my first digital camera,I set my sights on a tripod, a universal stand to hold my digital camera.
The main reason I purchased a tripod__ at the time, I wanted to create high quality self pics and group pics. Eventhough, I've had my tripod for some months,I am still learning the ins and outs of both my digital camera and tripod. Well,if you havent guessed or envisioned what the featured product for the month of November 2013 looks like or remotely even resembles __then as productor tester I guess I'll do the honors first__it's my tripod.
I have a few of my portion of the email, as I cut and pasted it into my regular email service; don't know how they lost theirs. They relate to the Merlin Teller, and how a fully paid balance of mine is being carried on their books as an outstanding balance on their system for months after I paid the account in full, probably sometime in October of 2007. I was repeatedlyA  told this same information by various B of AA  staff that I spoke with in person, numerous times, in various locations, but I did not record the conversations and wish that I had. Eventually, I wanted to find out what the craze had been all about and the reason that consumers seemed to ofA  been trading in personal computers for Tablets,_well, at least leaving them at home.
Ultimately, I placed online an order for a NookHD+ then opt to pick up the tech item from the store instead of waiting for it to be shipped to my place of residency. AA  few weeks with the NookHD+, I was hooked_eventhough, IA  wasna€™t a fan of touchscreen only. When first asked how and why they would do that; as it didn't sound logical or legal to me, I was informed by more than one staff person at more than one branch that it was expected to be carried for 16 to 19 Additional months!A  That is some kind of accounting system. And in all honesty, since the beginning of the Smart Phone craze, I had insisted upon that all of my primary tech gadgets used for work, research and blogging had to be equipped with a QWERTY keyboard.
However, in this particular instance,The NookHD+, again, touchscreen only, I made an exception.
A  That didn't sound accurate, as I was able to access the information on both the old 3732 account AND the new account until approximately January of 2008, and the phone rep I spoke who made arrangements for a balance transfer from another VISA Account I have at another bank for me on either April 3 or 4, 2008, said he would have copies of those 3732 statements mailed to me that day, at no charge to me.A  (I have received an envelope at my P.
As I continued to learn the ins and outs of my newly purchased NookHD+ , at the same time, I began to inquire about the accessories compatible with the tech gadget.
Box from B of A; I'll expect the contents are the account statements, but won't know for certain until they are forwarded to me.
In doing so, I foundA  the tech item had a Stylus Pen specifically made to use with the NookHD+. Weeks later, I purchased a different kind of Stylus Pen , I noticed while standing atA  the checkout counter at Walgreens,pictured next to this article is that Stylus Pen. Quite astonishing the Stylus Pen worked wellA  with both of my tech gadgets ( Smart Phone & Tablet). A frequent question a tantamount of consumers and shoppers find themselves entertaining especially during the holidays when manufacturers and retailers offer what they consider to be great deals and bargains. A  Bank of America?A  I'm almost on their side for this particular incident; as I know that avoiding lawsuits and payouts is high on their priority list. Unless some staffer slipped up, yapped out my private account activity, and didn't take time to note it in my file.
After giving the device a run for its money as well as a brief critique of the various apps and functions,I stated in my review of the Nook HD+ how pleased I was with the tech gadget. Further into the critique, I also commented that I was soooo pleased with the tech gadget that I wanted to protect my investment. Based on my income and budget,I considered the purchase of the Nook HD+ to be a major purchase of the year. Shortly after, I purchased the Nook HD+,I began to look at the recommended accessories for the tech gadget. Eventually, after I and my Nook HD+ survived the return and exchange 14 day trial period,I chose to protect my investment with a Nook HD+ cover. As I began to search and think of different items that could be the product of the month for September,I began to heavily weigh in on August's product of the month,the Nook HD+cover.
Hours later,I arrived to the assertion that there's more than one way to protect your investment.
With the assertion___, there's more than one way to protect your investment, I made the final choice to make Smart Phone covers as the product of the month for September.


A  I learned something from every man I met or exchanged emails with, and Lou taught me a few words in Spanish.A  Ole!
Furthermore, within the past five years,Ive purchased several Smart Phones from Virgin Mobile. To be truthful, I've even purchased Smart Phone insurance,a good choice because a few months later my Smart Phone had an accident.
Despite all of the stuff I tried, sampled, tasted and tested during the recent months, as a result of a long review and critique besides from featuring the Smart Phone as a product of the month,I began to think of the different ways Ia€™ve used to protect my Smart Phone as an alternative product of the month.
For instance,Smart Phone insurance has been one the ways I protect my investment from unexpected accidents. Ostensibly, there's more than one way to protect your Smart Phone from accidents such as, for example, you accidentally drop and break your Smart Phone or in some weird, odd, freak accident as you rush out the door you accidentally step on your Smart Phone or heaven forbids the same thing happens to you that happen to me, a few months ago, I dropped my Smart Phone in the toilet. Without a question, eschewing further debate, Smart Phone insurance is a great investment for consumers and shoppers who use their Smart Phone daily and for work. Best of all, Smart Phone insurance usually saves the consumer from digging deep into their pockets. So, what about before those mishaps and accidents, if you havena€™t figured it out__ there's more than one way to protect your investment. Even though, at first, I might of skipped over protecting my investments, I am more open to the idea of investing and protecting my major purchases.
Here's an example of what I am talking about, I currently have several Smart Phone covers to protect my Smart Phone from breakage, moisture, and malfunctioning. Varying in price,color,size and shape, most of today's Smart Phone manufacturers and retailers offer to consumers and shoppers Smart Phone covers as an accessory.
From passwords, to anti-theft apps, to screen locks and codes, there's more than one way to protect your investment. Regardless of the price, and hopefully it is within your budget, a true frugal savvy shopper knows the importance of protecting their investment.
Above everything else,both I and my Nook HD+ survived the return and exchange process,quite remarkable,I even have the receipt to prove it. Unlike sooo manyA  items, I ve returned and exchanged in the past,__it,meaning my Nook HD+ survived the fourteenth days as printed on the receipt.
A business practice that's part of Barnes and Noble store policy that allows customers fourteen days to return an item.
We can take a little walk, maybe get our feet wet, and then lie on a blanket and listen to the waves. In short,the 14th day, adhering to store policy was the final day that I couldA  actually return my Nook HD+ and get cash back. It goes without saying ,I readA  the instructions,totally unavoidable with a new tech gadget,as well as,downloaded apps,and,uploaded wallpapers. Not quite sure,on the day I purchased my Nook HD+__ifA  in fact, I would be satisfied with my purchase,I chose at the time not to purchase any kind of accessories. As it turns out,I was soooo pleased with my purchase of the Nook HD+,I wanted to protect my investments.
I do the same thing myself, when the mood strikes.A  And how about this for being an "in tune with women" kinda guy?A  A few days after I had ordered myself 2 new green dresses and several in black to add to my collection from a mail order company named Newport News, he sent an email asking:A  "So, what are you wearing right now?
It doesnt matter if you're on lunch break,on a mini vacation,at a webinar or conference,filling out an online report or having to send emails can be a hassle if you don't have a wifi connection,a Broadband device is just one of the many tech gadgets that consumers and shoppers frequently use to get an internet connection. Constantly,on the go,I wanted to have access to wifiA  while away from my place of residency. Because,I perform an arrary task that frequently requires wifi access ,I purchased a Broadband to Go device from Virgin Mobile. Egregiously,as a Virgin Mobile customer and fan,I live by Virgin Mobile products except in the case of Virgin Mobile wifi devices.
Recently,I purchased Virgin Mobile's MiFi 2200 to conciliate my worries about not being able to access wifi home.
Please do your employer a favor, and provide me with the written documentation that I have repeatedly requested.A  Thanks for your cooperation.
Aside from very slow internet speed,the device could only connect to one tech gadget and,the 3G USB plug n play stick broke too easily.
Affordable,great to have on hand for shopping emergencies,the latest in recycling,a recyclable tote makes shopping less of a hassle.
A  For Christ Sake!!A  How about saving the Taxpayers a buck?A  In addition to that $6 million you've already blown by hovering and covering me, and scheduling a proper Face to Base meeting in your office; at my convenience?
Ditching the old biodegradeable plastic bags for a recyclable tote,it's a smart move and a great investment for frugal,savvy,and environmentally conscious consumers and shoppers.Available in most local chain stores and at grocery stores,recyclable totes are becoming the better choice than leaving stores with the traditional biodegradeable plastic bag. Part of a movement to get consumers and shoppers involved in recycling and to think about going green,consumers and shoppers now have the option of trading in those plastic bags for a recyclable tote. A frequent shopper,I usually purchase a couple of recyclable totes to hold store purchases and other stuff. Eventhough,I like having the choice to purchase a recyclable tote,I havent completely stop using biodegradeable plastic bags.
However,I have to point out the fact that when a consumer and shoppers purchase a recyclable tote they're not limited to using the tote only in that store,that's why they're called recyclable totes because they can be used more than once. In fact, most recycable totes last for more than a week,I should know because I still have a few leftover from the previous month. Stockton: Please forward this email to someone up the ladder who can provide WRITTEN confirmation and information on who requested, and was provided, information on my Visa Card ending in 3732, activity in July or August of 2007. A great deal,a really good find,a price you wont find anywhere else,and the best price among competitors,I love a great sale and I love rewards for shopping.


Savings and Rewards,for most consumers and shoppers,it's all about getting the best price for items purchase daily. From household supplies to groceries,anyone who shops frequently knows consumers and shoppers love a really good sale_,the economic recession of 2008 could be the culprit. In fact,since the 2008 economic recession savings and rewards has become extremely important to American families on a budget.
For many American consumers and shoppers,the unexpected downturn of the American economy caused a disruption in their daily activies thus forcing consumer and shoppers to rethink the way they shop and how they shop. As a frequent shopper and consumer,I am constantly looking for a great deal and sales on items I purchase regularly,mainly because I do live on a strict budget.
Dramatic, but no drama.A  Short black skirt, or long black dress?A  Heels or boots?A  Camo, or commando? Admittedly,after the 2008 economic recession,I rediscovered coupons,and began clipping coupons frequently. In addition to clipping coupons,I also began to check sale ads at home and at the door of stores before shopping. Along with making a shopping list,clipping coupons at home,checking sale ads at the door and comparing prices,these days one of the best ways to save and get the best deals,I feel without a question has to be with a savings and reward card.
And speaking honestly, a savings and rewards card from your local chain store should be a consumer or shoppers BF(bestie). A must have for consumers and shoppers who seriously want to save,a savings and rewards card.
Throughout the years, my experience with last minute shopping in most instances was not too pleasant. Admittedly,I empathize as well as concur with consumers who express sentiments that last minute shopping makes the shopper(consumer) feel uncomfortable and forlorn with the just thought of buying a gift at the last minute. Often tight on funds to purchase a gift ahead of time,last minute shopping for an overwhelmed consumer with a limited budget could cause the consumer to be late and in some instance not to attend the event or special function. Subsequently, over the years, I have come to realize that last minute shopping it's not the best of fun.
As a result, I definitely would not recommend last minute shopping to a consumer as a shopping tip. Unequivocally, shopping for special events and functions such as finding an appropriate could take several visits different stores. Finding the appropriate could mean spending an entire day in a Hallmark store reading cards, it could also mean spending all day on the phone with friend or relatives discussing gift registry,preferences,stores,likes and dislike of the recipient. Ostensibly,the older you get the adults in your life expect two things from you one not to embarrass them in public and two if you don't have a gift to bring at least show up at special functions on time. Rose, Good afternoon and thank you for contacting Bank of America in regards to account documentation.
Indeed, an earnest shopper as well as a meticulous shopper knows finding the right gift or card for a special function could require hours of shopping and visiting different stores.
Shopping done precipitously could result in purchasing the wrong size,color, or something way out in left field. Don't wait until the last minute to shop for a party,baby showers,bachelorette bash,birthdays,holidays ,and anniversaries avoid uncomfortableness and the feeling of being inadequate,plan the week before.
On certain days, I have even shopped the day of the event that often leaves me feeling embarrassed ashamed, and guilty about my finances even worse depress. Incontrovertibly,last minute shopping in many instances could causes the consumer to become distraught,exasperated, and disconcerted not surprisingly all the emotions take away from the planned day. What's more important being punctilious for the planned event or arriving with a hand picked gift for the recipient or recipients? Ultimately,the answer remains with the shopper (consumer) The answer should be non bias and based on the event as well as the recipient and not the shoppers wallet . The meticulous consumer that normally keeps track of birthdays, holidays,and anniversaries with calendars,through emails,P DA's ,Smart phones and other tech savvy gadgets of courses would not necessarily share the same feelings of a last minute shopper . Until then, as in the end,there is much more to come.A A A  Once Upon a Time, a little mushroom popped through the moss covered ground of the Southeast Alaska Rainforest. Grant, Attorney at Law, Juneau, AK From Wedding Bells to Tales to Tell: The Affidavit of Eric William Swanson, my former spouse AFFIDAVIT OF SHANNON MARIE MCCORMICK, My Former Best Friend THE AFFIDAVIT OF VALERIE BRITTINA ROSE, My daughter, aged 21 THE BEAGLE BRAYS! HELL'S BELLS: THE TELLS OF THE ELVES RING LOUD AND CLEAR IDENTITY THEFT, MISINFORMATION, AND THE GETTING THE INFAMOUS RUNAROUND Double Entendre and DoubleSpeak, Innuendos and Intimidation, Coercion v Common Sense, Komply (with a K) v Knowledge = DDIICCKK; Who's Gunna Call it a Draw?
For B of A to be carrying its customers former credits and debits on their books for 16 plus months would be an accounting nightmare, in addition to being out of compliance with several Federal Banking Regulations. Please adjust all records statingA A  any balance due on my past and present Visa accounts to reflect the current credit balance only.A  Also, please update day ph.
A  But do note that when I asked him a specific question about them, he couldn't answer it. A  And he didn't volunteer any details on the account maintenance that he appeared to have access to.A A  A A  This message is not flagged. A Can you please provide me with your 16 digit credit card number so I can review your account?
Gordon: The minimum payment is 1% of your balance and any finance charges and applicable fees. The system will not allow the rate to change until the cycle closes and a new cycle starts.



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