---
title: November Newsletter
description: November Newsletter
---
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# November Newsletter
[Nov 02 2012](http://www.climbpages.com/l3p-02/2018/03/11/)
November is finally here and what an exciting month we have in store!
First, the US Presidential Election takes place on November 6th! As a big fan of American history and politics in general, I'll definitely be getting out there to the polls on Tuesday morning. Also, a bunch of celebrities on TV told me it's important to vote, so I wouldn't want to let them down.
Perhaps even more exciting than the Election is that we get to turn the clocks back 1 hour on November 4th! This means an extra hour of the weekend to lay around and watch sports. Awesome! Oh, who am I kidding? What it really means is that I'll get to spend an extra hour at Target. Somehow, inexplicably, my entire weekend always gets gobbled up by Target.
And speaking of gobbling, Turkey Day - aka Thanksgiving - is on the 22nd! Another great American holiday where we celebrate...eating? I'm sure there's a wonderful story behind the real meaning of Thanksgiving, but I just see it as a perfect opportunity to guiltlessly consume as much food and beverage as I can on a Thursday afternoon.
I'm only kidding, of course. Thanksgiving is, above all, a time to reflect on what we are most thankful for in life. For me, that's family, friends, my job, and the fact that I no longer share an office with Hrag.
Also, in the spirit of Thanksgiving, we're ***giving*** you the opportunity to take a [quick survey](http://l3payments.com/blog/quick-survey/) on our website. We want to hear from you about what additional information we can provide that would help your business. You can have a voice in what information we post about next, so please take a moment to fill it out if you can.
And if you haven't already, be sure to also check out [Melody's latest article](http://l3payments.com/blog/who-has-the-financial-risk-on-a-merchant-account/) titled "Who has the financial risk on a merchant account?". It seems there is a lot of confusion on this topic in the industry and Melody's article provides some much needed clarity. I know I felt a lot smarter after reading it.
Have a great month, everyone! And as always, feel free to contact us any time for support (support@l3payments.com) or sales inquiries (sales@l3payments.com). Or, call us at 805-449-1191.
[Previous Task Force to Curb Fraudulent Merchant Accounts](https://blog.l3payments.com/blog/merchant-account-task-force)
[Next Who has the financial risk on a merchant account?](https://blog.l3payments.com/blog/who-has-the-financial-risk-on-a-merchant-account)
### Related posts
[](https://blog.l3payments.com/understanding-banks-attitudes-towards-negative-option-billing-and-what-merchants-can-do-to-protect-their-businesses)
[Understanding Banks’ Attitudes Towards Negative Option Billing](https://blog.l3payments.com/understanding-banks-attitudes-towards-negative-option-billing-and-what-merchants-can-do-to-protect-their-businesses) February 22, 2020
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- [About L3](https://www.l3payments.com/about/)
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- [Apply](https://www.l3payments.com/apply/)