In September 2022, the CFPB took action against Regions Bank for charging surprise overdraft fees known as authorized positive fees. ![]() For instance, after the bank allows one debit card transaction when there is sufficient money in the account, it nonetheless charges a fee on that transaction later because of intervening transactions. Often, the financial institution relies on complex back-office practices to justify charging the fee. These overdraft fees occur when a bank displays that a customer has sufficient available funds to complete a debit card purchase at the time of the transaction, but the consumer is later charged an overdraft fee. The circular provides some examples of potentially unlawful surprise overdraft fees, including charging penalties on purchases made with a positive balance. Today’s Consumer Financial Protection Circular explains that when financial institutions charge surprise overdraft fees, sometimes as much as $36, they may be breaking the law. For instance, even if a person closely monitors their account balances and carefully manages their spending to avoid overdraft fees, they can easily incur penalties when financial institutions employ processes that are unintelligible or manipulative. Financial institutions can generally stay on the right side of the law when they employ more tailored fee policies that charge depositor fees only in situations where a depositor could have avoided the fee, such as when a depositor repeatedly deposits bad checks from the same originator.Īn overdraft fee can become a surprise fee when the customer doesn’t reasonably expect their actions to incur an overdraft fee. The bulletin explains that indiscriminately charging these depositor fees, regardless of circumstances, likely violates the Consumer Financial Protection Act. Charging a fee to the depositor penalizes the person who could not anticipate the check would bounce, while doing nothing to deter the originator from writing bad checks. In fact, there are many reasons deposited checks can bounce, and the most common reason is that the check originator does not have enough money available in their account. However, a person trying to deposit a check has no idea or control over whether the check will clear, and sometimes, that person is the victim of check fraud. When a consumer deposits a check that bounces, banks sometimes charge a fee to the depositor, usually in the range of $10 to $19. ![]() Today’s Consumer Financial Protection Circular on surprise overdraft fees and the CFPB’s compliance bulletin on surprise depositor fees lay out when a financial institution’s back-end penalties likely break the law. ![]() Overdraft and depositor fees likely violate the Consumer Financial Protection Act prohibition on unfair practices when consumers cannot reasonably avoid them. “We are providing guidance on existing law that will help law-abiding businesses seeking to fairly compete and the families they serve.” “Americans are willing to pay for legitimate services at a competitive price, but are frustrated when they are hit with junk fees for unexpected or unwanted services that have no value to them,” said CFPB Director Rohit Chopra. ![]() The penalty is an unexpected shock to depositors who thought they were increasing their funds. The second is the practice of indiscriminately charging depositor fees to every person who deposits a check that bounces. The first, surprise overdraft fees, includes overdraft fees charged when consumers had enough money in their account to cover a debit charge at the time the bank authorizes it. – Today, the Consumer Financial Protection Bureau (CFPB) issued guidance about two junk fee practices that are likely unfair and unlawful under existing law.
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AUTOCLEAN automatic main filter cleaning system with infinitely adjustable cleaning intervals for consistently high suction powerĬan be individually retrofitted with an additional compressed air or Bluetooth® module for remote control on the suction hose or automatic start via the Bluetooth® battery pack. Whether its used on the construction site or in the workshop, thanks to its huge container capacity of 36 l, the CT 36 provides maximum volume with compact dimensions. Perfect for Drywalling No more clogged filters the AUTOCLEAN (AC) automatic main filter cleaning keeps the filter clean and provides a continuously high.US985. If you don’t already have one, use Buy Debug mode to add extra objects. This display rack holds one of each element in the collection, and when you’re done with it, you can simply drag and drop them onto the display. After you’ve found them all, you can purchase an elemental display rack for SS85. You can also use the buy debug cheat to find all of these rare elements in the game. The last Element you need to complete your Sims 4 collection is Crytacoo, which you can find only in two crystals of the rare element, crytunium. These plants will also help you create potions! Find Crytacoo There are also two new plants, Mandrake and Valerian Root, which come in a magical seed packet. You can buy and collect them at the Caster’s Alley, as well as purchase them in the wild. ![]() The collection of Magical Artifacts in The Sims 4 includes 26 items, including broomsticks and spellbooks. Minor artifacts for the head cost 4000 and provide +1 scouting radius and 2 percent experience points. The quest to find Artifacts in Magical Adventures has been updated in Sims 4, so you can now explore and find artifacts with even more powers! Now you can transform yourself into various characters and improve your skills, and you can buy powerful artifacts in the game! There are seven sets of Artifacts in this new adventure game, each consisting of six different items. ![]() There are guides available on the Internet that walk you through the entire process. There are several ways to earn MySims Trophies in the game, but you need to know where to look for them. As you collect MySims Trophies, you can even sell them for money. Using the Treasure Maps on other rocks will guarantee rare collectibles, which you can sell or display. MySims Trophies are also a good way to unlock special traits, such as ‘Playful’ Aura’, which will make them automatically enter the specified emotional state when they’re nearby.Ĭollecting in MySims 4 is surprisingly easy. This interaction guarantees that your Sims will find a Time Capsule, but this trick only works for one treasure map. If you dig up a rock and open it, you’ll find a treasure map that will help you unlock the Dig for Treasure interaction. MySims Trophies are hidden in Mysterious Time Capsules, which you can find in town by digging up rocks. ![]() These spawners also give out three other collectibles, including fossils, crystals, and metals. However, one of the easiest ways to find these is to dig up rocks that contain Mysterious Time Capsules. There are many ways to find MySims Trophies in the game, including the Mysterious Time Capsules that you’ll need to complete Mysterious Quests. However, the post-COVID landscape brought new challenges, primarily centered around abandoned pets. Initially, Barkville's goal was to rescue and rehabilitate homeless (stray) dogs and other animals in need. Barkville's vision is to end the cycle of abuse and pet overpopulation through rescue operations, investigations, spay/neuter programs, and educational initiatives while fostering lasting relationships between people and animals through their adoption programs. Their unwavering commitment revolves around offering a safe and caring home for animals in dire need-whether they are large or small, abused, neglected, or abandoned. Situated on a sprawling 17,000 square feet of land in Dabhod, Gandhinagar, Barkville Foundation is on a mission to provide second chances for our four-legged companions. ![]() ![]() Together, we are sowing the seeds of compassion and sustainability, ensuring that 'Earth is for All,' now and for generations to come.” Through our partnership with the Barkville Foundation, we are nurturing a Green Oasis for Rescued Animals, a sanctuary that embodies the spirit of harmony and coexistence. Nishant Shah, Joint Managing Director, Ratnaakar Group, emphasized, “Caring for our planet and its inhabitants is not just a responsibility it's our privilege. Additionally, a drip irrigation system was implemented to ensure efficient water usage and accelerate the growth of the newly planted trees. The designated area underwent meticulous preparation, including tilling and pit creation for plantation, and protective fences were installed to safeguard specific plants. Under this remarkable initiative, one thousand trees of various species, ranging from the majestic Neem to vibrant flowering varieties like Drumstick, Billi Patra, Madudo, Champa, and Jasud, were planted. Swati Verma and Hemani Mod, the Founders of the Barkville Foundation, conveyed their heartfelt appreciation to Ratnaakar Group and extended their gratitude to the dedicated employees of Ratnaakar who actively participated in a tree plantation activity. The message resonating from this endeavor is clear: “Earth is for All.” This initiative, unveiled on September 28th, underscores Ratnaakar Group's commitment to providing a safe and nurturing environment for animals under the care of the Barkville Foundation. Ahmedabad (Gujarat), October 10: In a green initiative, Ratnaakar Group has collaborated with the Barkville Foundation to establish a Green Oasis for Rescued Animals. ![]() Read our full Kindle Paperwhite Signature Edition review. For standard users or those on a budget, though, the 8GB or 16GB options still offer plenty of storage space, while including enough upgrades to make them worth the spend. The Signature Edition also offers a couple of additional features like wireless charging and the aforementioned 32GB of storage, making it a better choice for audiobook lovers who need the extra space. The screens of all three editions are brighter, and they have adjustable warm backlighting however, only the Signature Edition has an auto-adjust feature that adapts the backlighting to your surroundings, making it even easier to read outdoors or in the dark. You also get the same IPX8 waterproof rating, non-slip rubber backing and 300ppi resolution we saw on the previous Paperwhite model, making the eReader a great all-rounder. Each device now includes USB-C charging, a faster page-turn rate and a larger 6.8-inch screen (up from six-inches on the previous model), which I found to be the ideal reading size. I reviewed the Signature Edition model and scored it a 4.5 out of five, but all three options are solid choices. With three different size options available – 8GB ($249), 16GB ($269) and a 32GB Signature Edition ($299) model – it’s easy to find a version to meet your budget and storage requirements. Tried and tested by Lauren Chaplin, Consumer Technology ReporterĪmazon released an updated version of its Kindle Paperwhite back in 2021, and it’s still our top eReader pick for most people. Kindle Paperwhite (11th Gen), from $249, Amazon Australia In addition, we read hundreds of customer reviews and looked at test results and ratings from product review sites, eliminating any options that aren’t readily available here in Australia. ![]() To help you find a great eReader, we road tested four well-known products at different price points. To help you find the right one for your needs, we’ve compiled a list of the best eReaders for all budgets and preferences below. While Australia’s eReader market is limited to just a few brands, there are still plenty of models to choose from. (Not to mention, they’ll save you the heartache of spilling a coffee all over your favourite novel). If you’re an avid reader, you know the struggle of trying to fit a stack of books into your luggage or fighting to find space for them in an already heaving bookcase.įortunately, eReaders offer a lightweight and convenient solution that makes reading on-the-go a breeze. ![]() All trademarks, registered trademarks, product names and company names or logos mentioned herein are the property of their respective owners. This site is not directly affiliated with Adobe Systems Inc. DisclaimerĪdobe Flash Player is a product developed by Adobe Systems Inc. You dont need to download and Install Flash Player on Windows10, if you are using Microsoft Edge, Google Chrome or Internet Explorer 11. No es posible instalar Adobe Flash Player en Google Chrome debido a que este ya no es compatible ni recibe actualizaciones o soporte por parte de Adobe. Install Adobe Flash Player on your Android to enjoy multimedia content on your smartphone or tablet. Is the Adobe Flash Player plug-in installed on your phone? This means that you can automatically download Flash videos, various games, animations, and applications from the Internet. Una delle soluzioni che puoi impiegare per visualizzare i file contenenti animazioni in Flash e dotati dell’estensione SWF Adobe Flash Projector: se non ne avessi mai sentito parlare, si tratta di uno strumento ufficiale di Adobe, gratuito, dedicato agli sviluppatori. CompatibilityĪdobe Flash Player works on specific smartphone models until 2021, as the program ceased in 2021. Come scaricare Adobe Flash Player gratis su Windows. With Adobe Flash Player, you can get the full ability to view web pages immediately on your smartphone. You can watch videos on the web or play flash games with the program. The application on the smartphone allows you to use standard navigation tools, which you can do on a PC. Adobe Flash Player for Android allows users to access the flash content of any page on the Internet without getting blank windows. ![]() You can search for specific products such as kitchen utensils or niches like running, and narrow down the results by usage rights to find copyright-free images for your business. You’ll notice that most of the images in these sections come from various free stock image sites.Īs the best image search engine in the market, Google Images will provide you with a more extensive collection of pictures on Google Images than on any other platform. While not all images found in Google Images can be used for commercial purposes without permission, Google Images aggregates an extensive collection for you to sort through. Have you always wanted to know how to search images on Google? Using Google Images, you can look for images to use for your website, blog, ads, and other marketing content. Here are the best image search engines you can use: 1. The best image search engines are the ones that can provide the best match to a query and also have a large enough database to cater to their audience. What these tools have in common is a database of images that can be searched using keywords, tags, or topics. Some are very broad and all encompassing, like Google’s and Yahoo’s, and some are niche and confined, like HONmedia’s. ![]() There are many image search engines in the world. → Click Here to Launch Your Online Business with Shopify The best image search engines Google realized an image result would be much better than the text results it delivered back at the time. In 2001, Google noticed a huge search demand for a specific query that its regular search couldn’t provide a result on: the green Versace dress Jennifer Lopez wore to the Grammy Awards. Google’s image search engine is the most comprehensive and known search engine of its kind. By entering keywords closely related to your business, you can find the right images that will appeal to your customers. Once you type in a query, the images corresponding to your search phrase will appear. An image search engine is a database of images that can be searched through the use of keywords. ![]() Picasa Web Albums’ stance doesn’t sound too comforting, does it? I wouldn’t dare to put any important pictures there, while I love Flickr’s actions about it coupled with their humble attitude. When you upgrade again, all of your photos will be waiting for you.Īny sets you’ve created that disappear when your Pro account expires will also return when you renew or upgrade. This means instead of enjoying the super-duper capacity of your Pro account, you are now subject to the limits of a free account. If your Pro account expires, don’t panic! None of your photos have been deleted! What happens to my photos if my Pro Account expires? If you cancel your subscription at any time, your Picasa Web Albums account will revert to 250MB of free storage space, and any photos beyond the 250MB limit may be deleted. Picasa Web Albums comes with 250MB of free storage, and the option to get a 6GB subscription for $25.00 per year. If I cancel my subscription for additional storage, what will happen to my photos ? Here’s what Picasa Web Albums respectively Flickr has to say about that: Picasa Web Albums The biggest fear for me, though, is to lose all the images I’ve uploaded to a service either if my paid account expires or if anything else happens. For the Flickr Pro account, one has a 2 GB monthly upload limit, but no storage limit whatsoever. A fixed 6 GB storage it’s actually not that much.No way to share specific albums/photos with certain other users. ![]() No way to have (totally) private photos.For Mac users, there’s a Mac OS X uploading tool that, as opposed to the Flickr Uploadr, actually works and doesn’t crash every second time.Īlso, according to the What’s New page, people with 6 GB storage can now also upload videos. Uploadingįor PC and Linux users, the Picasa software is the given way to go. Extra storage is only available to people in the US at the time of writing this, and they will get a fixed 6 GB limit for $25 a year. The free account includes 250 MB of storage, and you can upload as many photos you want, an when you want, within that range compare that to the Flickr monthly 20 MB bandwidth upload limit. You get to see large versions of every image, and again, it is up to the end user to choose whether to display each image’s caption or not. Compare that to Flickr who defaults to showing the image file name as the title not nice.Ī nice addition is the slideshow view. Another thing I like, compared to Flickr, is that if you don’t give an image a caption, no text is shown. Way more user-friendly than Flickr’s small thumbnails where the current one also mysteriously disappears. This is also accompanied by arrows pointing left and right. One more great, and given, feature is that in a photos separate page, you can navigate to the previous or next picture with your left and right arrow keys on your keyboard. Another upside of this is that you directly in the overview can see any eventual caption for the images. Naturally, the preference you choose in one gallery is then kept in the other galleries as well. You can make them small to get a good overview, medium, or large if you want to look at all the pictures in the same page, hence eliminating the need to go into each photo’s page to be able to view it. One of the things I really like is the possibility as an end user to, in the gallery overview, choose in what size you want to view the thumbnail images. All you need to start is a Google Account, and you here’s my albums if you want to test drive the service. ![]() While it isn’t as sophisticated as Flickr, its simplicity and some of the features are definitely better than Flickr’s. Personally, I think it’s a shame that it isn’t available for Mac OS X as well, since iPhoto is sub-par (more about that and Mac in general in My MacBook Pro – first-time Mac owner).ĭuring June this year they took the natural next step and released Picasa Web Albums: online photo sharing. Picasa is a software for organizing, editing and sorting your pictures, aimed at PC users, but there’s also a Linux version available in Google Labs. This is Google’s picture service: Picasa Web Albumsīack in 2004, Google bought Picasa Inc, a digital photo company, and it become known as one of the numerous items in Google’s product flora: Picasa. Well, as we all know, time flies but now I’m ready to tell you about a service that I believe have a serious potential to become a Flickr contender. When I wrote my post about the Flickr photo service, I promised that I’d review another one within the next week or so. Picasa Web Albums – A serious Flickr contender Published on Friday, October 20, 2006 The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. The cookie is used to store the user consent for the cookies in the category "Performance". This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other. 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After a few hours in that world, I'm not just intrigued, I'm invested. His story's a compelling one, and it happens to be set against a distressing but historically significant backdrop. Protagonist Lincoln Clay's tale consistently felt human rather political, even when he was gunning down apparent white supremacists. The historical context colors the events and informs certain aspects of the characters, though the campaign's primary focus remains squarely on Lincoln's deeply personal quest for revenge.ĭuring the sections I've seen so far, racism was primarily depicted as a fact of life. But the setting is handled deftly, and it genuinely adds to the story being told. Its story follows a mixed-raced war hero working for the black mob in the American South in 1968, so as you can imagine, grotesque and abhorrent discrimination is pretty much the norm.Ĭertain players will undoubtedly recoil when confronted with the harsh, shameful realities of America's past, especially since Mafia doesn't sugarcoat any of it. And that's not the only bold choice Mafia III makes. Players looking to dive straight into the action will likely grow impatient waiting to be let loose in the world, but that just makes Mafia's admirable insistence on worldbuilding that much bolder. Rather than rush you through some hackneyed set up so you can skip straight to the carjacking and cover-based shooting, the narrative takes its time, lingering on scenes that make all the action that comes afterwards feel far more meaningful. Unlike many sandbox shooters, Mafia III takes great pains to introduce its major players and flesh out their motivations. Now Playing: Mafia III - Video Review in Progress By clicking 'enter', you agree to GameSpot's |
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