GWguy
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When I have "bulk" photos to print, I go through an online service too. But every now and then you want/need a photo printed really fast. That's when it's nice to be able to print it at home rather than having to go somewhere and pick them up or have them mailed.
There is that, about the instant gratification, and being able to tweak the settings on demand. If not, an on-line printer may suffice. Or take them to Wal-Mart/CVS, but that can get pricey too.