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	<title>AL6400 Blog</title>
	
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	<description>Making, Saving and Investing Money For Business and Personal Finance</description>
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		<title>Carrying A Reusable Bag To Save Money</title>
		<link>http://www.al6400.com/blog/2009/11/07/carrying-a-reusable-bag-to-save-money/</link>
		<comments>http://www.al6400.com/blog/2009/11/07/carrying-a-reusable-bag-to-save-money/#comments</comments>
		<pubDate>Sun, 08 Nov 2009 04:29:52 +0000</pubDate>
		<dc:creator>Alan Yu</dc:creator>
				<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[recycle]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[shopping bags]]></category>

		<guid isPermaLink="false">http://www.al6400.com/blog/?p=1754</guid>
		<description><![CDATA[While shopping at the mall today one thing I realized is that while it is generally a good thing to bring reusable shopping bags with you, sometimes you don’t know if you are going to make an unexpected purchase such as seeing a very good item on clearance.  Therefore, I don’t usually bring any [...]]]></description>
			<content:encoded><![CDATA[<p>While shopping at the mall today one thing I realized is that while it is generally a good thing to bring reusable shopping bags with you, sometimes you don’t know if you are going to make an unexpected purchase such as seeing a very good item on clearance.  Therefore, I don’t usually bring any bags with me unless I am expected to make a big purchase.</p>
<p>Today I saw some good sales for a few items and therefore I decided to pick it up.  These were all in containers and so carrying them would be a bit odd as it would be like trying to carry a bunch of pool billiards with you. Therefore, I opted to pay the seven cents for the bag.  Might not seem like much at all, but it adds up and not to mention all the extra clutter you get.</p>
<p>Most of the reusable bags I see are for people who are doing like their weekly grocery shopping.  Therefore, I am not inclined to carry those things around unless I know for sure I will put them to use.  Sometimes what I do is that I just fold up an old plastic bag and stuff it in my inside jacket pocket for future use.  It’s just that I don’t remember to put it back in the pocket after unloading everything.</p>
<p>Too bad no one has invented anything that is a pocket sized and is easy to put in and take out.  Then again, I am still waiting for the day where we can just light-beam stuff to our houses.   <img src='http://www.al6400.com/blog/wp-includes/images/smilies/icon_biggrin.gif' alt=':grin:' class='wp-smiley' />
<p>
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		<title>Interesting Conversation With The Credit Card Company</title>
		<link>http://www.al6400.com/blog/2009/11/06/interesting-conversation-with-the-credit-card-company-bluefur-billing-issues/</link>
		<comments>http://www.al6400.com/blog/2009/11/06/interesting-conversation-with-the-credit-card-company-bluefur-billing-issues/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 22:03:41 +0000</pubDate>
		<dc:creator>Alan Yu</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[bluefur]]></category>
		<category><![CDATA[chargeback]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[customer service]]></category>
		<category><![CDATA[manticore media group]]></category>
		<category><![CDATA[merchant protection]]></category>
		<category><![CDATA[mosaic mastercard]]></category>
		<category><![CDATA[support ticket]]></category>
		<category><![CDATA[web hosting]]></category>

		<guid isPermaLink="false">http://www.al6400.com/blog/?p=1752</guid>
		<description><![CDATA[So I called the credit card company to dispute charges from that BlueFur web hosting company.  It was handled pretty professionally I thought.  At first the person didn’t know what company it was and just asked generally if I had an agreement with the business as he was trying to understand why they [...]]]></description>
			<content:encoded><![CDATA[<p>So I called the credit card company to dispute charges from that BlueFur web hosting company.  It was handled pretty professionally I thought.  At first the person didn’t know what company it was and just asked generally if I had an agreement with the business as he was trying to understand why they would bill me still.  </p>
<p>Immediately, I started to mention how upon doing research on the Internet it seemed like a ton of other people have had similar issues with this company when it comes to billing issues and so it seems like there is something wrong with the company’s processing system.</p>
<p>Afterwards I questioned as to how the company was able to bill me still too when technically I was given a new chip credit card.  Hence, in my view you should have to literally give the vendor your new number before they can charge you.  The representative told me that merchants have this protection that enables them to charge people if the customer agreed to like an annual payment plan.  That does and doesn’t make sense to me personally.</p>
<p>The customer service representative then tried to think of another possible scenario where maybe when the company credited me back initially they now realize that they gave me too much credit and so they charged me this new fee to balance out the difference.  I mentioned that wasn’t the case for sure and that the fee was a service that was related to hosting a site with them.  </p>
<p>The guy was actually tech savvy and understood what it was.  As well, I told him that I clearly stated on my request to cancel all the services and because of the nightmare stories I have read from others I have kept a record of all of my requests.  I even told the representative that the owner of the company replied right here on my blog saying that everything was canceled too.</p>
<p>The person then commented how it was a very smart move to document everything and it seemed like he never seen anyone that prepared to dispute a charge.  Tell you this much, that comes from life experience in dealing with people and companies that don’t want to honor their side of an agreement or all of a sudden begin to play dumb.  Business can be an ugly thing.</p>
<p>Here is the unfortunate part.  Basically, I still need to manually fill out these forms apparently which the person mentioned that he will send to me immediately and it can take up to 10 days.  Afterwards, the process itself can take up to another 45 days.</p>
<p>I questioned if in the meantime that means that I have to actually pay for the charge.  He replied by saying that I appeared to be a person who always fully pays his monthly credit card bill and so to avoid the possible interest charges I should pay it to be safe.</p>
<p>Hopefully by doing this I will block out the company completely as at this point I don’t trust Blue Fur to do a competent job in not billing me for stuff that I have requested a cancellation for. </p>
<p><strong>Past Post Reference:</strong></p>
<p><strong>Part 1</strong><br />
<a href="http://www.al6400.com/blog/2009/07/15/possible-chargeback-coming/">Possible Chargeback Initiation</a></p>
<p><strong>Part 2</strong><br />
<a href="http://www.al6400.com/blog/2009/07/17/credit-card-chargeback-bluefur-web-hosting-manticore-media-group/">Credit Card Chargeback BlueFur Web Hosting</a></p>
<p><strong>Part 3</strong><br />
<a href="http://www.al6400.com/blog/2009/07/18/credit-card-chargeback-bluefur-web-hosting-manticore-media-group-part-2/">Credit Card Chargeback BlueFur Web Hosting Part 2</a></p>
<p><strong>Part 4</strong><br />
<a href="http://www.al6400.com/blog/2009/07/19/looks-like-the-credit-was-given/">Looks Like The Credit Was Given</a></p>
<p><strong>Part 5</strong><br />
<a href="http://www.al6400.com/blog/2009/11/05/credit-card-chargeback-bluefur-web-hosting-again/">Credit Card Chargeback BlueFur Web Hosting Again</a>
<p>
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		<title>Credit Card Chargeback BlueFur Web Hosting Again</title>
		<link>http://www.al6400.com/blog/2009/11/05/credit-card-chargeback-bluefur-web-hosting-again/</link>
		<comments>http://www.al6400.com/blog/2009/11/05/credit-card-chargeback-bluefur-web-hosting-again/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 01:38:12 +0000</pubDate>
		<dc:creator>Alan Yu</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[bluefur]]></category>
		<category><![CDATA[chargeback]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card chargeback]]></category>
		<category><![CDATA[customer service]]></category>
		<category><![CDATA[manticore media group]]></category>
		<category><![CDATA[mastercard]]></category>
		<category><![CDATA[outsourcing]]></category>
		<category><![CDATA[phone support]]></category>
		<category><![CDATA[support ticket]]></category>
		<category><![CDATA[web hosting]]></category>

		<guid isPermaLink="false">http://www.al6400.com/blog/?p=1749</guid>
		<description><![CDATA[This is incredible.  Just when I thought it was all done with in regards to this company, just recently a transaction was posted on my credit card from them.  Sure enough, it was connected with the service that I clearly requested to be canceled.
As you may all recall too, the owner of the [...]]]></description>
			<content:encoded><![CDATA[<p>This is incredible.  Just when I thought it was all done with in regards to this company, just recently a transaction was posted on my credit card from them.  Sure enough, it was connected with the service that I clearly requested to be canceled.</p>
<p>As you may all recall too, the owner of the company even responded on my blog saying that it was indeed canceled.  As well, it seems like he was trying to imply that I did something wrong in submitting the cancellation.  Wow, I’m interested in hearing their excuse this time.  I even e-mailed the guy to his personal e-mail address too.</p>
<p>I did phone in again and have yet to hear back.  I think by tomorrow if I don’t hear anything I am just going to phone in to the credit card company and just request a chargeback immediately as opposed to going with the online method.  I’m almost thinking they will continue to charge for services and therefore I need to tell the credit card company to block them or something.  Never had to do anything like that before.</p>
<p><strong>Past Post Reference:</strong></p>
<p><strong>Part 1</strong><br />
<a href="http://www.al6400.com/blog/2009/07/15/possible-chargeback-coming/">Possible Chargeback Initiation</a></p>
<p><strong>Part 2</strong><br />
<a href="http://www.al6400.com/blog/2009/07/17/credit-card-chargeback-bluefur-web-hosting-manticore-media-group/">Credit Card Chargeback BlueFur Web Hosting</a></p>
<p><strong>Part 3</strong><br />
<a href="http://www.al6400.com/blog/2009/07/18/credit-card-chargeback-bluefur-web-hosting-manticore-media-group-part-2/">Credit Card Chargeback BlueFur Web Hosting Part 2</a></p>
<p><strong>Part 4</strong><br />
<a href="http://www.al6400.com/blog/2009/07/19/looks-like-the-credit-was-given/">Looks Like The Credit Was Given</a>
<p>
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		<title>Visiting A Warehouse Sale</title>
		<link>http://www.al6400.com/blog/2009/11/04/visiting-a-warehouse-sale/</link>
		<comments>http://www.al6400.com/blog/2009/11/04/visiting-a-warehouse-sale/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 05:50:32 +0000</pubDate>
		<dc:creator>Alan Yu</dc:creator>
				<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[chip credit card]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[croc]]></category>
		<category><![CDATA[discounts]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[tommy hilfiger]]></category>
		<category><![CDATA[vancouver]]></category>
		<category><![CDATA[warehouse sale]]></category>

		<guid isPermaLink="false">http://www.al6400.com/blog/?p=1744</guid>
		<description><![CDATA[Today I went to a warehouse sale as I thought I would find some decent stuff.  The prices didn’t seem too bad compared to what the original retail prices were supposed to be for each product.  As usual, in these types of sales virtually every category type of clothing all share the same [...]]]></description>
			<content:encoded><![CDATA[<p>Today I went to a warehouse sale as I thought I would find some decent stuff.  The prices didn’t seem too bad compared to what the original retail prices were supposed to be for each product.  As usual, in these types of sales virtually every category type of clothing all share the same price point.  Example, all jeans are one price and all coats are another.</p>
<p align="center"><img src="http://www.al6400.com/bpic/tommywarehousesale.jpg" /></p>
<p>Usually at the door they give you these large see-through bags too as many people just go crazy and start dumping a bunch of clothing items in it.  For the most part, it is pretty civilized unlike say a boxing day sale where everyone is at each other’s throat </p>
<p align="center"><img src="http://www.al6400.com/bpic/tommywarehousesale2.jpg" /></p>
<p>All I bought was one shirt as funny enough most of the clothing sizes were in large or extra large sizes. One interesting thing was that at the checkout this is technically the first time ever that I was able to put that chip credit card to the test.  Basically, no signature as all I needed was a PIN code.  It was apparently new for the employee too.  It made the transaction a lot faster I thought.</p>
<p>This event is actually still going on for a few days at the PNE if any of you live in the Vancouver area and want to check it out.  There was also a whole load of Croc shoe clearances too.
<p>
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		<title>Hot Real Estate Market</title>
		<link>http://www.al6400.com/blog/2009/11/03/hot-real-estate-market/</link>
		<comments>http://www.al6400.com/blog/2009/11/03/hot-real-estate-market/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 04:52:27 +0000</pubDate>
		<dc:creator>Alan Yu</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[house investment]]></category>
		<category><![CDATA[houses]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[renting]]></category>
		<category><![CDATA[selling property]]></category>
		<category><![CDATA[vancouver market]]></category>

		<guid isPermaLink="false">http://www.al6400.com/blog/?p=1742</guid>
		<description><![CDATA[I got an e-mail this afternoon from a real estate agent who was telling me that the real estate market was hot right now and that the price point of houses can be sold at a very attractive point.  Basically, anyone thinking of selling should be able to turn a decent profit.  To [...]]]></description>
			<content:encoded><![CDATA[<p>I got an e-mail this afternoon from a real estate agent who was telling me that the real estate market was hot right now and that the price point of houses can be sold at a very attractive point.  Basically, anyone thinking of selling should be able to turn a decent profit.  To make it more likely you can sell it the mortgage rates are pretty low here as of now.</p>
<p>People usually say that a house is a better investment than say going to the stock market.  I can’t imagine someone treating their house like some kind or Forex investment though where they say buy and live in a house that they were able to get cheap and then sell and move to a different one when the market is good to make a profit.</p>
<p>Think the only real practical way to do this I think is if you literally purchased another house or property and treated it as an investment where you rent it and then sell it in the future.
<p>
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