We only refund purchases made by error (I think that's fair - our refund policy is already very generous) to users account balance and not their card (kinda like store credit).

That is part of your return and you have to account for it.Since the beginning of time middle people have basically exploited inefficiencies in the market but eventually get eliminated or their role is drastically reduced: travel agents, stock brokers, floor traders, money changers, banks with tellers, cashiers, book stores, etc...

Protect Documents: Store originals safely and keep digital backups.2.

It may be a pet store, a pizzeria, movers, renter's insurance.

I noticed the lack of nearby stores.

One of your minions popped right in and quickly promoted, well, you need get this book to start off and pointed her to the BP store. 

Commercial Brokers/ Investors that are familiar with Family Dollar/ Dollar Tree stores.

We don't allow access to our garage as we have a lot of stuff for the house stored there, but having some cool game area in there or more storage would be nice.

Now applying this to Philadelphia, you can easily go into areas of North Philadelphia or areas of SW Philadelphia just as examples and find properties that pencil as BRRRR's as easily as it is to pick produce out at a grocery store.

Do you go to stores around there all the time, have friends in the area, have other ties to the area?