Everyone can agree that some drivers are idiots on the road. And everyone can agree that some cyclists are reckless morons.
Most of us fall somewhere in the middle of being safe and courteous on the road with occasional instances where we act irresponsibly, be it in a car or on a bicycle.
What has always amazed me is the passion that is evident whenever the topic of sharing the road comes up, either on the side of the driver or on the side of the cyclist.
I, despite years of cycling, am a driver. Not that I think I shouldn’t share the road with cyclists, more along the line of being irritated that cyclists in the city of Toronto seem to think that the rules of the road don’t apply to them. Don’t get me wrong, there are some cyclists that are perfectly responsible. And to them, I wish nothing but the best in their travels.
It’s the other guys that drive me crazy. Those who seem to be out looking for the person that is going to accidentally kill them. The following is a list of occurrences that I notice on a regular basis. Each is an example of a person that seems to have a death wish:
Take my advice: follow the rules of the road; use your head; and wear your helmet.
N
Read MoreI’ve just reached three months with my new Capital One Aspire MasterCard. My wife and I travel a great deal and a travel rewards card fits our lifestyle perfectly. I have to say that I have very mixed feelings about this acquisition. I was so excited to apply for and receive this card that it could do no wrong for my honeymoon phase. Unfortunately, the honeymoon seemingly can’t last forever.
On one hand, you really cannot beat the rewards that are offered by this card if you are a traveler and if you know you way around the rewards program. On the other hand, I have had nothing but issues in dealing with Capital One. I guess it comes down to a balance between whether or not the higher rate of rewards is worth the hassle of dealing with Capital One. I just realized that the Capital One tag line for rewards is “No-Hassle Rewards” … how ironic that rewards is the only thing I’m really thrilled about.
Earning points is extremely easy. You get 2 “miles” for every one dollar that you spend. Those “miles” can be redeemed for account credits or miscellaneous other reward merchandise or non-travel related account credits. As with any of these programs, the merchandise and account credit options tend to be of a low value compared to the premium offer on what the card is intended to do, such as reward travel in this case.
The redemption system for points is extremely easy to use. They definitely win points for making the process idiot-proof. This is where you need to be aware of what you are redeeming and what kind of value you are getting out of your rewards. Take a look at the following rewards translation chart. This is found at the very bottom of the redemption page and it makes a big difference in the value that you get out of the rewards.
I have a perfect example. I have a taxi transaction for $8 available for redemption. I also have a hotel stay for $148 available for redemption. You will notice that both rewards require the same number of miles for redemption. This means that if you want to get the optimal opportunity to redeem the highest value of your transactions you need to buy things that always have charges that are close, but not over one of the rewards levels. Another example from my own account is a hotel stay that cost $153. You will notice that the travel redemption for this stay falls into the 35,000 miles category.
At first I was upset that this was how things were being charged as I could rarely redeem for the highest level possible, but now I know to ensure that there are individual travel transactions that fall close to the top of the designated ranges when I want to redeem. The other way that you can avoid worrying about getting the most out of your travel rewards is to only redeem for large purchases. Once you get over $600 for a single transaction you are automatically given the highest rate of return.
Looking at my rewards to date, I have been able to achieve just over 2% of my total charged dollars. If I had been aware of how to take advantage of the system better from the beginning I think that I could have achieved almost 2.5%. I encourage you to look around, but you will not find a credit card on the market today that offers a better rewards return.
My negative experiences with Capital One have to do with a number of little things and one deal-breaker. As far as the little things go, nothing is even close to making me reconsider cards.
For example, I requested a second card for my spouse and I was told that it should arrive with mine. It did not. I called to ask for a spouse card to be issued after it did not arrive and a card was sent to our home. Unfortunately, it was not the right card. I have the Aspire card, but they sent a generic card for my wife. Once again I called to ask that the Aspire card be sent and it was explained to me that the account details were the same, but only the card artwork was different. I like the Aspire artwork. I consider the black card to have an almost aspirational quality and I would like my wife to have the same artwork. So I asked for the card to be re-issued with the same artwork as mine, as I had expected from the beginning. Today my wife still has the card with the generic artwork.
Another example is the way that Capital One handles fraud prevention. I have used credit cards every day since I turned 18 and prior to using the Capital One Aspire card I have only had one instance whereby my credit card was declined due to possible fraudulent activity. In that case, I completely understand the reasoning behind the trigger setting off the fraud warning. I had made purchases in Moncton, Toronto, Atlanta, San Jose Costa Rica, and London, England, all within 3 days. I definitely should have let VISA know that I had travel coming up in advance before that trip. Since I’ve been using the Aspire MasterCard I have had my account frozen on suspicion of fraudulent activity on four separate occasions. Only one of those occasions actually involved me traveling on a weekend trip to NYC. The other times, it simply happened because I was using the card. It’s easy enough to get the fraud alert lifted … you just call them and confirm a few recent transactions. Where I am getting annoyed is the embarrassment of having your credit card declined while you are waiting in line at a retailer. Also, the annoyance of not being able to collect the “miles” for transactions that I had to switch to a backup credit card in order to complete the transaction. As of today, I have been declined for about 2,500 “miles” because I had to use other forms of payment at cashiers when my Capital One card has been declined on fraud alert. Guess what? They don’t care if you miss out on the miles due to their randomly putting your account on fraud alert.
My third example of a “little thing” is that Capital One hasn’t moved from the dark ages to the enlightened age of the Smart Card. Every other card in my wallet has chip technology. The Aspire MasterCard is Capital One’s newest product and is in market without the Smart Card technology. It seems that I am the only guy left who needs to sign for almost every transaction. I say almost because, oddly enough, the card does include the PayPass technology. The only problem is that PayPass has not and likely will not be implemented on a widespread basis.
And now, on to the Deal-Breaker. Since November 29, 2010 there has been a glitch in the Capital One online banking site. Supposedly, this glitch is only affecting Canadian consumers. When a Canadian user tries to view their transaction details, they are affronted with this message:
I let this slide for a few days before I called, per the instructions above. The Capital One representative had no idea what I was talking about. I tried again the next day and the next representative suggested that I may need to update my browser. I should mention that I check my transactions on a regular basis. I use multiple computers, multiple operating systems, and multiple devices. I assured the person on the phone that I was certain the issue was not on my side. The response was an exasperated “Then I cannot help you today”. I have since spoken to a number of other representatives at Capital One and have been told that this is a reported issue and that they were working on a solution. They have no time frame for a fix and they have no further information. Now I’ve tracked down a
To make best use of the rewards program, my family uses this card for every transaction possible. From a $1.79 pack of gum to a $3,000 vacation package, it all goes on the card. The benefit to this is that we collect a lot of reward miles. The down side is that I now have no idea how much of my monthly budget has been spoken for in any category.
Since launch day in Canada, I have been using Mint.com to track my financial life. Mint.com is an awesome tool for tracking and managing your budget and transactions. It easily and quickly downloads and updates all of your transactions from all of your different banks and provides snapshots and trending for spend categories and budgets. You can also track all of your investments and a fluid snapshot at your net worth, all from the home page.
The issue with the Capital One online banking site is stopping me from pulling all of my transactions after Nov 29, 2010 into Mint.com so now I have no idea where I stand financially without going back and retracing my steps with my receipts and manually keying in every transaction and categorizing them myself.
Now I’ve reached the point where I need to decide if the added value of the higher reward is worth putting up with the hassles, or if I am better to consider another card. I’m taking a serious look at the Scotiabank Momentum card this week. Their promotion of offering 2% cash back for the first three statements is appealing for the short term and the average payout will approach 2% after the incentive period given most of my transactions can be considered part of their 2% every day transactions. At least with Scotiabank I can be confident that I will be able to review my transactions.
One final note that will definitely play in to my decision going forward is the travel coverage offered by Capital One. On par or better than any of the other cards on the market, they offer: Emergency Medical, Trip Cancellation, Trip Interruption, Flight Delay, Baggage Loss, Baggage Delay, Accident Insurance, Car Rental Insurance, and their MasterAssist Travel Assistance, which provides 24/7 assistance for a variety of things from lost luggage to legal assistance outside of your home province.
I guess I’ll give it until the end of the holidays before I make a decision. It also won’t hurt to have the travel coverage for my upcoming vacation.
N
Read MoreHi Olivia,
Thanks for your response.
While I am currently a resident of your constituency, I was born and raised in Northern Ontario. Fishing and hunting are both a part of my heritage. My grandfather taught my mother and my uncles and both generations taught me the process and ritual of hunting. I intend to teach my children the same as a way of preserving the memories of what previous generations needed to do in order to survive in Northern Ontario.
In this day and age it is becoming more and more difficult to hold on to traditions and practices of the past. The recent passing of my grandfather resulted in my being bequeathed a 303 Lee-Enfield that he had reconditioned and customized as his own personal hunting rifle. This heirloom means a great deal to me but, without kneeling to the process of a gun registry that I don’t believe in due to sky-rocketing costs and poor management, I am unable to have that important piece of family history in my home without fear of being called a criminal and being charged because that piece of my property is not registered. Instead I am extorted to pay fees, simply to stay out of jail if ever questioned about my possessions.
I agree that all owners of firearms must be licensed in order to ensure that owners understand proper storage and handling of their long guns. I also agree that all hunters need to be properly trained to ensure humane treatment of animals and responsible hunting practices.
The long gun registry, in its current format, does nothing to help law enforcement deal with gun violence in urban areas, saves but a few moments worth of time per year in catching assailants who use gun violence domestically, and costs a ridiculous amount of money. There is no benefit to me as a taxpayer. There is no benefit to me as a gun owner. Do you honestly think that the perpetrators of urban gun violence are registering their firearms?
If you and Jack Layton want to do something useful, help to scrap this useless and expensive political jockeying tool and do something about the laws that would actually deter gun violence. For instance, if we had a Zero Tolerance policy with mandatory jail time for all possession of restricted weapons (outside of law enforcement) we could start to affect change on the streets.
Get tougher on thugs who carry guns for the purposes of violence, not guys like me, who are upstanding citizens who want to carry on family traditions, or folks who live in rural areas and keep long guns for safety and food provisioning purposes.
To date you have not supported my views in this matter and the NDP is playing politics (http://www.theglobeandmail.com/news/politics/ottawa-notebook/trumpeting-rural-roots-ndp-predicts-tory-defeat-on-gun-registry/article1710105/) rather than helping to affect the change that I, as a member of your constituency who has supported you consistently, have voiced as a strong opinion.
I suggest that you focus on one this one issue without clouding it with other, unrelated pieces. There is no evidence of an increase in male on female violence in homes that have unregistered long guns. Whatever Michael Ignatieff does is of no consequence to this discussion. If rural NDP MPs are unsupportive of their constituent’s views on this issue they should be replaced by candidates who represent their communities.
The right thing to do is to scrap the gun registry and stop playing politics.
N
Nathan Greene
—–Original Message—–
From: Chow.O@parl.gc.ca
Sent: Friday, September 10, 2010 7:34 PM
To: Greene, Nathan
Subject: RE: Gun Registry
Dear Nathan,
Thank you for taking the time to write to me about the long gun registry.
My commitment to end gun violence has been consistent and clear. I have always voted in Parliament to support the gun registry. When I was on Toronto City Council and on the Police Services Board I worked closely with Susan Eng and Wendy Cukier of the Gun Control Coalition to ban guns in Toronto. Since December 6, 1989 I have been unwavering in my commitment to battle male violence against females, in both my volunteer work at the December 6 Fund and my teaching position with George Brown College’s Assaulted Women and Children Advocacy and Counselling Program.
However, there is another perspective urban Canadians like me must confront and understand. I was in the North West Territories last week and I heard many stories of what the gun registry means to Aboriginal people and to those who farm or are from rural parts of Canada.
At a meeting with the Status of Women Council in Yellowknife, Angela of the Dene Nation told me how she wants her two sons to be hunters, just like her father. She also shared that unless her dad goes hunting she cannot afford milk and meat for her kids. Surely registering long guns doesn’t mean taking them away, I asked. Angela, with her voice breaking, said that it takes three months to register a gun and during this time they are not allowed to use it. She asked me how her family is supposed to eat during this time, why the white men are always telling the Aboriginal people what to do, and treating them as criminals if they don’t obey.
Everywhere I travelled in those three days, people of the First Nations asked why we want to take away their way of life, their means of existence, and if we hadn’t already damaged their lives enough.
This is why as New Democrats, we want to focus on a new approach: an amended gun registry that accommodates rural, northern and Aboriginal concerns, and gives the power to municipalities like Toronto to ban hand guns in Toronto, which cause much more death and violence in big cities.
Unfortunately, instead of building bridges between urban and rural Canada,
Stephen Harper is using the gun registry issue in an attempt to get his majority by eliminating New Democrat MPs that represent rural ridings and replacing them with Conservatives, one-issue (guns) candidates. We must not allow him to do this. Instead f falling into Harper’s trap and playing politics with such a divisive issue, Michael Ignatieff should be assisting our rural NDP MPs to battle the Conservatives. Training the guns on urban MPs like me, who have consistently supported gun control, will not gain any extra points with rural NDP MPs. I note that Michael Ignatieff, at his public meeting in Yellowknife on September 8, did not dare to mention the importance of saving the gun registry, nor did he take any questions from the public.
Liberals have voted 120 times with the Conservatives on continuing the war on Afghanistan, on the expansion of tar sands, on abortion and on Conservative budgets that give the most to the rich, and the least to those living in poverty. New Democrats do not need any lectures from Michael Ignatieff Liberals on principles.
There is no good reason why Parliament shouldn’t be able to work together and forge a solution that brings rural and urban Canadians together on gun control, while maintaining the long gun registry. Jack Layton and the New Democrat team will continue to work towards this goal. It’s the right thing to do.
Thanks again for taking the time to write to me.
Sincerely,
Olivia Chow, MP
NDP critic for Citizenship and Immigration, Child Care, Child Poverty, and Public Transit
www.oliviachow.ca
________________________________
From: Greene, Nathan
Sent: June 8, 2010 6:26 PM
To: Chow, Olivia – M.P.
Subject: Gun Registry
Hi Olivia,
It was nice to meet you in person on the weekend.
Once again, as one of your constituents, I ask that you vote to scrap the gun registry when the time comes:
N
Nathan Greene
Read MoreStreet parking is available pretty much everywhere in Toronto.
As a good citizen I usually pay for my parking, partly because I don’t mind paying for a service being delivered to me for my own convenience, and partly because I don’t want to get fined for not paying.
I’ve done the quick run into a store without buying a ticket and I’ve taken the calculated risk that I’ll be quick enough to beat the hornet before he stings my car.
I realize, of course, that if I do get tagged, that I deserve it, and I pay my fines like everyone else.
Where this rant comes into play is where I’ve caught the city of Toronto running a scam that will get pretty much everybody that lives in the city at some point or other if they aren’t made aware of it.
We have a pretty standard guideline across the city: you pay to park all day and into the evening, up until 9:00pm, then parking after 9:00pm is free.
And this isn’t about me thinking that I should be getting anything for free.
Where I have a problem is in the “entertainment district” where the hornets all know that the time for “free parking” has been pushed back to midnight, but the dolt city-dwellers have no idea that the rules have changed for that specific couple of blocks compared to the rest of the city.
I recently parked and paid my parking fee for up to 9:00pm and headed into my local pub to meet some friends and watch part of a hockey game, only to come out and find that I’d been tagged for $30 for “not displaying a valid ticket” at 9:10pm.
I actually caught the guy in the act and was sickened by the smug look on his face as he explained the later deadline for parking in that exact spot.
My point is: Be aware of the parking start and stop times in the city. The hornets know exactly when each spot expires and they fly in immediately in areas that they know people can be fooled.
Oh yeah, and also be very aware of the areas that say “1-hour free parking”. I see the hornets driving through my neighbourhood every day, parking illegally themselves, handing out tickets to cars that have just barely exceeded their hour of parking time.
How do they possibly know the amount of time a car has been parked? They chalk the tires. I saw a guy last week that was so lazy he didn’t even get out of his hornet-mobile … He had taped caulk to the end of a stick and was just leaning out the window to mark tires.
Whenever I see one of these guys I fondly remember my favourite scene from Lock, Stock and Two Smoking Barrels when our pseudo heroes realize that they have a knocked out parking attendant in the back of their van when they’re getting away from robbing a grow house and they all just beat the crap out of the guy … because he is a parking attendant.
Who hasn’t dreamed about punching one of these guys in the face? I can’t imagine doing that job … The self-loathing would be unbearable.
Read MoreThe flash revolution feels like it’s starting to happen. I have been annoyed with flash ever since I bought an iPhone and found that a lot of sites included components that couldn’t be viewed properly.
Steve Jobs actually published a position piece about why Apple is taking the stand it is today on Apple.com. You can read the full text here.
It got me to thinking about sites that irritate me in my online travels via iPhone and iPad. Here are a few of the offenders who need to smarten up and have flash alternatives:
Pretty much any restaurant site designed by menu palace, like this one. Menu Palace probably offers a cheap rate for flash design because there are a lot of restaurants in their portfolio that do not have HTML alternative sites.
CTV and Global here in Canada are both still using flash for their video, despite availability of h.264 standard.
There are over a million of us on iPads and over 86 million of us on combined Apple devices. How long until publishers and advertisers realize that we are out here and that they are missing out on their chance to be part of our site rotation. People only frequent a small number of websites on a regular basis. If you want to be part of my rotation, you had better be ready for me when I come to you the first time I come to you, or you likely won’t see me again.
Read MoreIf you’ve tried browsing the internet from an iPhone, iPod Touch or, for those lucky early adopters who got their hands on one, an iPad, you’ve come across scenarios where you are faced with the blue Lego block from hell.
For those who haven’t seen this little bugger, this little symbol represents web content that has been developed in flash.
Here is an article that I just read this morning:
And this is what it was supposed to look like on a regular browser:
As you can see, I miss out on the video on this page using an iPhone, but I have no idea that this is what is missing unless I go back to the site using a different browser.
This got me wondering about how many people are having this issue so I checked the stats for this site. Looking only at visitors to this site who are using an iPhone or iPod Touch (It’s a little early to hope for iPad visitors!), I can say that, for sure, 18% of my traffic cannot see flash.
And that 18% is not counting visitors using software like Click to Flash on a Mac, intended only to view flash when it is needed rather than letting it eat up your battery power and CPU usage while slowing your web browsing experience.
My point is this: If any publisher knows that up to 18% of their users will have a crappy experience every time they see the blue Lego block from hell, why not put steps in place to ensure that there is an alternative?
The advertising community has come up with a brilliant solution to this problem. You will notice in both of the above sceenshots that the advertising banner and box ads show just fine. This is not rocket science, this is a policy put in place by an advocacy group (e.g. in Canada the IAB) that insists that all campaigns running flash provide a backup gif or jpg image that can be served in it’s place for users that do not have the flash plugin.
How hard is that? If a publisher absolutely has to have their precious flash, why not put some kind of backup to ensure that those of us who have chosen incompatible devices are able to either see what we are missing out on or, even better, offer us an alternate experience.
I think that this whole argument will be moot in a few years. I’m in the camp that wants to see the use of flash for published content go the way of the Dodo.
I know that sounds somewhat hypocritical given the sexy flash Tag Cloud you see to the right if you are not visiting on an iDevice, but you should be aware that the folks visiting us from an iDevice see a normal Tag Cloud that gives credit to the developers of the sexy flash Tag Cloud if they are using this full site. Alternatively, I have provided iDevice users the option of an iDevice optimized site that delivers only HTML content to ensure super quick load times.
Don’t get me wrong, I think that flash has it’s uses. I love flash for advertising purposes because it allows a single file to be served quite simply and, with the backup strategy already in place, quite effectively to all kinds of devices and browsers. I just think that publishers need to be cognizant of the fact that they are alienating a portion of their visitors by providing crappy user experiences.
I know that I am, and will continue to be, more loyal to sites that are aware of me and that cater to me as a visitor.
Read MoreI’ve just been through a long and exhaustive search before deciding to buy a second hand 2001 Honda Shadow Spirit with some beautiful after-market accents.
I’ve been keeping my eye on the market through the end of last season and the winter. Every week I check the usual suspects: autotrader; craigslist; kijiji, eBay, etc.
I’ve been keeping up with what asking prices have been and I’ve even gone so far as to throw out a few low ball offers to see what the price flexibility has been. At first, I started with much less focus but thanks to Kijiji I was able to narrow my search considerably.
First of all, I want to explain that Autotrader.ca has almost become useless to me. Their new search is not intuitive and most of their listings are over-priced dealer ads. Also, their new photo gallery loads slowly and with an irritating pixelated preview page. I had purchased my last bike on Autotrader but this time around I gave up after only a few visits.
Until now, I have always conducted and classified transactions via craigslist. I’ve bought and sold tickets to events and goods.
For some reason I’ve always thought that craigslist was the easiest choice and I’ve been able to accomplish whatever I wanted so I haven’t broadened my horizons.
Since I was buying without a schedule I had the time to really look in a lot more detail than ever before and what really impressed me was the forced added detail in the kijiji posts.
Kijiji allowed me to drill down into much better quality information about the bikes I was considering. I could instantly find mileage, engine displacement, manufacturer, price, etc. I could also sort and filter by each of those same values.
Craigslist only forces a poster to choose a broad category and search by term.
The one great thing about Craigslist us that it is where many people instinctively turn for their classified needs. The net result is a lot of ads for the products that you are searching for at a variety of qualities and price points.
Presumably because of the added effort to get set up, you get fewer listings on Kijiji, but generally higher quality of goods. It seems to me that attention to detail in creating a posting eliminates some of the posters who have the attitude “fuck it, there’s an easier way” and tend not to take care of their belongings as well as others.
Hands down, I am a convert to Kijiji.ca. Really, my only real gripe is that there is no connection between their .ca site and their .com site. I actually had to go back and google “Kijiji Canada” because they didn’t have an easy link from the .com site for me to follow after going direct to the site via typing in what I expected to be the address.
Read MoreI’ve just discovered the game of Sledge Hockey. I wish this was a regular TV sport. Seriously, I just can’t get enough.
At the end of the Olympics this year I was left feeling saddened because, for the first time, I was really invested in the games. Then, on Saturday, I caught the first preliminary game (CAN vs Italy) of Sledge Hockey and I’m simply hooked.
It is truly an impressive sport. I thought hockey had a tendency to be pretty violent with some of the big hits, but I’ve never seen anything like this before. These guys are athletic, strong, and not afraid to give or take a huge hit at all. In hockey, it’s always impressive when a player labels somebody and they fall to the ice, but NHL players really have no idea how hard you can really get hit. I saw a Canadian and an Italian come into each other full speed at centre ice and the Canadian earned a penalty with an elbow to the face of the Italian.
I hate to say it, but I’ve always considered the Paralympics to be something that I couldn’t really relate to, possibly because I’ve never known someone who is handicapped. The amazing thing to me now is that I admire these athletes as true competitors, not as disabled or disadvantaged.
The whole Canadian crew is strong and very talented, but nobody is as fast as my early favourite player (#27) Bradley Bowden. With this guy on the ice, everybody is second to the puck.
So far we’ve won two games with the third against Norway tomorrow night at 8:30pm. I feel like this team is capable of a Gold Medal and I intend to watch it happen.
Go Team Canada!!
Read More
So I read in the news today that Lindsay Lohan is sueing the folks at Etrade for $100 million because they have apparently used a recognizable likeness of her for a commercial.
The funny thing is that she thinks the line “that milkaholic Lindsay” could possibly conjure up the image of her in someone’s mind.
I hate to be the one that has to point this out, but there is no way that Lindsay Lohan is a one word name like Sting, Madonna, or Oprah.
Nobody, anywhere, hears someone say “You wouldn’t believe what Lindsay did!” and immediately thinks about Lindsay Lohan. In fact, I think Lindsays everywhere should be offended by this ridiculous lawsuit.
Sure, maybe Lindsay isn’t the most common name in the world, but I’m willing to bet that the first thing 90% of people that don’t know a Lindsay personally would think when faced with the above exclamation would be the question “Lindsay who?”
Read More