Expenses

January 09 Credit Card Bills: It’s all on the cards

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This is my personal credit card report which highlights my spending for this month. In fact, I have two credit cards: One of which I use primarily for online transactions courtesy of Shanghai Bank, and one for general use courtesy of Taishin Bank.

Be CAREFUL with your Cards

With the second one, we had a bit of a fuss this month. I had just finished upgrading the server at school, when I decided to replace one of the staff computers, too. It was partly to save money on electricity that we switched to low power computers and to save carbon (specifically, the Asus Eee Ebox 202 series, which is a fine complement for teachers in our school).

So I ordered an extra computer from our local supplier. It came, and I took out my credit card to pay the bill. No success. Tried again. Turned out the credit card had been canceled and that it had been fraudulently used abroad somewhere towards the end of 2008. Since I hadn’t noticed any odd transactions, I can only assume that the anti-fraud measures banks use had been successful in preventing the abuse of the card.

I’m still surprised that it happened. The gentleman at Taihsin International Bank was surprisingly polite and efficient. I had my new cards within just a few days, and was able to use them again. But I still have no idea when or how my card details were skimmed. I have checked my PCs for viruses and bugs and other nasties. All of them are totally clean. My only guess is that someone skimmed the details when I was in the UK, perhaps with a small hand scanner, at one of the hotels or restaurants or stores I went to.

This month’s report. Anyway.

Personal Shopping Purchases

  1. For school, we bought several memory cards which were unbelievably cheap (2 cards at about NT$200 each for 2MB), a PC computer extension cord with lots of extra sockets, and a USB socket charger for the wife so she can charge her MP3 player without worrying about access to a PC. That cost NT$2477 in total.
  2. The mobile phone bill was for two months at NT$376. Google AdWords was NT$8. I pretty much stopped my campaigns for the time being as the clickthroughs were really bad for both my personal sites and my business sites. In fact, the visitors clicking through were just bad quality.
  3. We also paid our car insurance again this year for NT$3864: of course on the form that we received we noted that our car had devalued again! It’s quite surprising how F-A-S-T an NT$500K car becomes only NT$200K. And our regular payment of NT$2000 was also made as usual.
  4. The biggest shopping purchase damage in January was our trip to Mitsuokoshi at Taipei 101 right at the end of December. Christine bought ear-rings for herself and her sister at NT$4480, and two pairs of shoes that she really liked which cost NT$6552.

Business Purchases

  1. With the most recent set of fusses at the Server, I started migrating my domain registrations from Dreamhost to NameCheap. It has cost quite a lot of additional money to do this as I had to pay additional registration fees for extending the registration period. Given that I now control over 20 domains, you can imagine. Fortunately, NameCheap has been running special offers for domain transfers (US$7.99 for the first year). I have to say that I have been solidly impressed with the quality of the help and service I have received from NameCheap. It has been absolutely outstanding as they have dealt with three queries of mine: billing, DNS issues and non-transferred domains. On each occasion, the issue was satisfied. Good service. Damage to my wallet: NT$3241. I know there is at least one other bill coming for about NT2500 as well in February.
  2. Dreamhost bills came up twice in December for December and November: total NT$1181 which included one domain renewal. There was another NT$101 for something that I can’t quite remember. I’m still checking what that was for. In fact, that was a payment to Scratchback. I had about US$15.00 in their system that had sat for months. I decided to stop using the widget on my blogs, so to get the money out, I bought a slot myself with one paypal address. And then I was able to withdraw the amount as it met the minimum required. It did cost me a little, but I figured it was better than letting the money sit in Jim Krukal’s Paypal account.
  3. A New Theme: I promised a new theme for InvestorBlogger for 2009. And indeed I purchased the theme for InvestorBlogger (to be revealed) at about the same that this server was attacked and it was useless. I implemented it on EeeBlogger for a while, and discovered that there were some issues with the premium theme I bought. I’m still hoping to use it on InvestorBlogger soon, but implementation is a real pain. NT$2385.
  4. Database and Scanner: Our business (a language school) decided to start categorizing and organizing the books we have for children to read. In other words, we felt we should have some facilities to start a small lending library. So we purchased software and a hand scanner to start cataloguing the books. We’re hoping to find out how many books we have, how much we spent on them, and have facilities to keep tabs on the books, too. Perhaps I’ll review the software one day. NT$2719.

Final Note: I use Paypal a lot for my online purchases, it’s pretty handy. But it’s difficult to keep tabs on what money goes out and how. So I’ve opted to use one account for money received, and one for purchases only. It hasn’t quite worked out like that yet. But it’s getting there.

Oh, and I earned a little cashback on one of the cards: NT$46.00. There were no penalties, no interest charges, or other surprises, and the total amount owed on each card WILL be paid in full. But I stupidly let over 4000 bonus points expire without using them. What a shame. I just noticed that they expired on the last day of January. Oh, well.

Christmas Shopping: Don’t just focus on the price, focus on the play value

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With Christmas just around the corner, it’s getting tough in this economic environment to justify spending a lot of money on anything other than the essentials: rent, food, fuel and clothes. With Christmas just a short month of shopping days left, parents everywhere are scratching their heads wondering what gifts are affordable and desirable for their kids.

One Christmas my parents bought me a toy called FlightDeck. I wonder if anyone remembers that! The object was to land a plastic aircraft via a pulley system on the deck of an aircraft carrier. I loved it, and it was no doubt fairly expensive. But it suffered three main flaws: it was pricey, it was easily broken, and its play value was limited. In fact, I broke on Boxing Day, and couldn’t play with it after that! I was sorry, and never told my parents.

It’s not a mistake I would repeat on buying presents for any kids of mine! I’ll always try to find toys that have extended play value, such as Lego, Games, etc… One such toy that is perpetually popular: cars for the little boys. If I was able to play ‘secret santa’ to some little boys in our school, I’d be heading for the toy car section in the local department store looking for popular models or familiar models.

I was enchanted especially with the character cars from the movie created by Pixar. This set provides three vehicles for kids to play with as they recreate and relive the scene from the movie “Cars”. Of course, my own favorite has to be Lightning McQueen, but that’s a personal favorite.

tipping tractor

For the little girls, perhaps a disney figurine would be great, too. Either way, perhaps the easiest way to a kid’s heart this Christmas is to buy them a gift that helps them to rediscover their innate imagination and story telling skills (or yours!). Three simple cars, like this, can recreate hundreds of variations on the scenes in Cars. Who knows? Perhaps they’ll be able to play with them even when some of the parts have gone missing, or the toys are broken.

Whatever gifts you choose, especially from a store like Mega Brands Toys, you’ll find that the play value will far exceed the monetary value.

Keeping a track of your expenses: using Google Docs

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When we were away on our travels, we really had a good time, and we found that Taiwan is really a place for enjoying yourself. For better or worse, we used our credit cards to pay the hotel fees. It was just so much more convenient and we’ll earn the points.

But I failed to have a great system for recording these expenses. I read about using Google Docs to create an expense list from somewhere. So I decided to see what I could create in a few minutes. Surprisingly it was easy.

Google Docs now allows users to create forms. Sign into Google, click on Google Docs and on the right hand side you’ll see a short menu that allows you to create four types of documents. Click on the ‘New’ tab. You’ll see the first item is called ‘Forms’. When you click on that, you’ll be taken to a simple form that is populated with the first item already.

Try it out for yourself or read my full post. As you approach a major spending time, such as summer travel or Christmas, this can be a great way to monitor your spending. You’ll find the tool quite easy to use. For more, read this post on Google Docs and Forms.

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