Department Store‚ SM Supermarket or SM Hypermarket for only P150. Use the temporary card contained in the kit to start earning points. Fill out the enclosed Membership Application Form and submit to the Customer Service Counter of any SM Department Store or selected SM Supermarket and SM Hypermarket branch. Claim your personalized‚ permanent SM Advantage Card at any SM Department Store’s Customer Service Counter after 21 days. As a welcome gift‚ you will receive a set of coupons that amount
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Andrew Tucker Honors Thesis March 31‚ 2004 Fantasy: A World of Sunshine or Shadow Fantasy literature is an object of considerable controversy‚ but this controversy is not specifically or uniquely modern. Arguably‚ fantasy literature has been controversial since its very beginnings in Western Society‚ though I am by no means certain of when that is‚ nor is it the aim here to determine it. The controversy regarding fantasy stories exists mainly on two levels. The first‚ a concern regarding
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The animals have been driven away from their natural habitats and are being ruthlessly poached. The so-called ’sheltered sanctuaries’ too‚ have not been able to provide total security to these animals. There is constant conflict between the wildlife and the people. The farmer’s plough and the poacher’s gun are responsible for the extinction of several species. Take the snow leopard‚ for example. With its grey‚ soft coat and rosette-shaped black dots‚ it ruled over the Himalayas. This beautiful cat
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www.iosrjournals.org A Study on Perception and Awareness on Credit Cards among Bank Customers in Krishnagiri District Dr.S.SUDHAGAR Assistant Professor of Commerce‚ MGR College/Periyar University‚ India. Abstract: A credit card is a small plastic card issued to users as a system of payment. It allows its holder to buy goods and services based on the holder ’s promise to pay for these goods and services. The issuer of the card creates a revolving account and grants a line of credit to the consumer
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All that glitters is not gold is a well-known saying‚ meaning that not everything that looks precious or true turns out to be so. This can apply to people‚ places‚ or things that promise to be more than they really are. The expression‚ in various forms‚ originated in or before the 12th century[1] and may date back to Aesop.[2] Chaucer gave two early versions in English: "But all thing which that schyneth as the gold / Ne is no gold‚ as I have herd it told‚" and "Hyt is not al golde that glareth."
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Cash vs. Credit Cards Brenda Hurtado ENG/130 October 15‚ 2014 James Iddings Cash vs. Credit Cards Which option is better for you? Caring around a credit card or having cash in your pockets? Each option is different for every person. Cash is better for people who do not know how to limit what they spend. Credit cards are for people who know to limit their spending. Because when it comes using cash‚ you do not have to worry about debt. Until you lose your cash‚ it is lost forever. But‚ if you have
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CREDIT CARD FRAUD AND THE LAW By A.L.R. JOSEPH SUBJECT: Banking‚ Criminal Law Malaysia [1993] 2 CLJ xii (Apr) Introduction To most consumers‚ credit cards are pieces of plastic - issued to them by their bank or retail shop which allow payment for goods or services - which give them prestige and flexibility. Further‚ they also provide a convenient avenue of obtaining on-the-spot cash. The credit card is a phenomenally successful development of modern banking and retailing based on technological
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THE ROLE OF CONSUMER PROTECTION AGENCY AND THE JUDICIARY ON CONSUMER PROTECTION A consumer can be defined as someone who acquires goods or services for direct use or ownership rather than for resale or use in production and manufacturing. Consumer protection consists of laws and organizations designed to ensure the rights of consumers as well as fair trade competition and the free flow of truthful information in the marketplace. The laws are designed to prevent businesses that engage in fraud
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1 A Balanced Score Card Lisa Thompson Htt/220 April 17‚ 2011 Samuel L Grant 2 The most important thing to having a successful business is to have the most up to date information. If you have all the information at your fingertips it can help you to make the best possible decisions. What kind of information is available and how do we sort through it and use this information? In the hospitality industry the amount of information received everyday is overwhelming‚ and it
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Disadvantages of Credit Cards Mehmetcan Sevim 070090077 Faculty of Management Faruk Çetiner 070090005 Faculty of Management Ceylin Ulusel 020090306 Faculty of Architecture English 201 Esra Sancak December 28‚ 2011 Disadvantages of Credit Cards Thesis: It is argued that credit cards are beneficial for individuals however they bring many financial problems‚ trigger consuming and cause psychological conflicts in long-term
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