New Electronic Alerts from your Bank

For example, the letter from Canadian Tire Bank for my Mastercard. It said that the bank will send me a message or email when the credit falls below $100. It starts in June 2022.

It is just one bank. Actually, I got a lot from other banks.

I did some research and found the Government of Canada has a page for this new regulation.

Your bank must send you electronic alerts in 2 situations:

1. When the balance of your chequing or savings account (also referred to as personal deposit accounts) falls below $100 or an amount you’ve set
2. When the credit available on your credit card or personal line of credit falls below $100 or an amount you’ve set

Your bank will automatically set the electronic alerts to $100. You may ask your bank to set them to a different amount.

The alerts must tell you what charges or penalties may apply to current or future transactions. This includes when you don’t have enough money to cover a payment. The alerts must also inform you of the steps you may take to avoid charges or penalties.

Your bank will send the new alerts to you automatically. You don’t have to sign up, but you may opt out at any time by informing your bank in writing. This could be done by email.

The alerts don’t apply to accounts opened for business purposes.

It is good to protect the bank customers. To help us manage the bank saving account:

• make sure you have enough money in your personal account to cover withdrawals, purchases or pre-authorized payments such as bills
• make timely decisions to avoid unnecessary fees, including late payment charges or non-sufficient funds (NSF) fees

It also helps us to manage the credit card and lines of credit: The bank will alert us when we are approaching the credit limit.

Its real name is Financial Consumer Protection Framework.

Effective on June 30, 2022.

The post New Requirement for Canadian Banks appeared first on David Yin's Blog.

What is a Non-Profit Corporation?

A non-profit corporation is a legal entity separate from its members and directors formed for purposes other than generating a profit to be distributed to its members, directors or officers. While a non-profit corporation can earn a profit, the profit must be used to further the goals of the corporation rather than to pay dividends to its membership. Non-profit corporations are formed pursuant to federal or provincial law. A non-profit corporation can be a church or church association, school, charity, medical provider, activity clubs, volunteer services organization, professional association, research institute, museum, or in some cases a sports association. Non-profit corporations must apply for charitable status to benefit from tax-exempt status and to issue tax-deductible receipts to donors.

Non-profit corporations are distinct from business corporations that are formed to make a profit and to distribute the profit to their shareholders. Business corporations are regulated by either federal or provincial laws.

Why Incorporate a Non-Profit corporation?

Where to Incorporate?

An organization may incorporate federally or provincially. This decision may be based on the location of the organization. If the organization is to carry on its activities in more than one province under the same corporate name and wishes to move its registered office around the country with ease, it may incorporate federally. A local organization that will remain in the community or province usually incorporates provincially. An organization that is incorporated federally may also be required to register provincially, depending on the nature of its activities in each province.

What are the steps to form a Non-Profit Corporation?

Moreover, if you are incorporating a federal corporation, you must also register extra-provincially. Currently, the extra-provincial registration fees for a federal corporation which has its registered office in that province are (these are in addition to the federal incorporation fee of $250 indicated above):

What are the Delays when Incorporating Non-Profit incorporation?

This depends on the jurisdiction of incorporation. Below are the current government incorporation approximate delays for non-profit corporations in Canadian jurisdictions:

How Many People are needed to incorporate a Non-Profit corporation?

Typically legislation requires at least 3 directors. Nova Scotia and British Columbia require 5 individuals. Only physical persons can be directors, no corporation may be a director.

How Do I select a Name?

I am incorporated. Is there anything else I have to do?

Based on the BC government website. There are some information about the Directors of a society.

A director is an individual (not an organization or corporation) who meets specific qualifications and is responsible for the management of a society. An individual who applies to incorporate a society may become a director but this is not a requirement.

How Many?

An ordinary society must have at least three directors and at least one of the directors must be resident in B.C.

A member-funded society needs only one director, and the director does not need to be a B.C. resident.

Qualifications

A director must be qualified under the Societies Act and the bylaws of the society.

Generally this is an individual (not an organization or a corporation) who

• Is at least 18 years of age (younger directors may be permitted under certain conditions)
• Capable of managing their own affairs
• Is not undergoing bankruptcy
• Has not been convicted of fraud or corporate offence within the last five years
• Meets any additional qualifications noted in the society’s bylaws

More information about he Not-for-profit Organizations in BC.

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Gambling Before Canada

Gambling in what is now Canada dates back prior to Canada itself. The indigenous people gambled as far back as 6000 B.C., as discovered by John Cabot. In 1497, Cabot researched the native gambling, which was to engage in activities that not only required a bit of luck but also fostered mental, physical, and spiritual growth, and unearthed evidence that games such as these dated back centuries. Canada didn’t become Canada until 1867, but those who inhabited the land prior loved to game.

Gambling Falls From Grace

Despite centuries of chance, the Canadian Criminal Code banned gambling in 1892. Much like Prohibition in the United States, it seemed like a good idea at the time, and much like Prohibition in the United States, the law didn’t stick. By 1900, Canadians were trying their luck once again by playing bingo and participating in charitable raffles. Horseracing was permitted by 1910, and in 1925 you could gamble legally at exhibitions and fairs.

If you have ever worked in government, you understand how difficult it can be to fund monetary needs. In 1969, authorities amended the Criminal Code to allow lotteries to fund provincial and federal projects. As time went by, restrictions loosened on horse racing and lotteries, and, slowly but surely, casinos and slot machines began to pop up everywhere. Today, gambling restrictions are determined by each province.

Las Vegas North of the Border

The year 1998 saw Sin City make its way north of the border when Caesars Windsor opened its doors in Windsor, Ontario. In 2005, Caesars began a 439-million-dollar project to renovate the gambling and entertainment space. Prior to the renovation, Canadians and their visitors enjoyed gambling well enough, but now, the impressive structure is a Mecca for those who love to try their luck. Viva Windsor, Ontario!

At What Cost?

What does a mega-casino like Caesars Windsor cost to the people, however? Yes, this and hundreds of other casinos bring much-needed income into the Canadian economy, but they also place a tremendous burden on the environment. Electricity, paper, waste management, and other factors make running these facilities with a low carbon footprint nearly impossible. So, how do Canadians continue to engage in a favorite activity without feeling guilty? They go online.

Today’s Casino

The latest chapter in Canadian gambling history includes websites such as Casinos.ca. These list online casinos that allow real gambling from the comfort of your own home. When you gamble online, you not only have the same fun you have in brick-and-mortar casinos, you also stand a chance to hit it big. On top of that, you are improving your carbon footprint by gambling in cyberspace instead of at monster casinos.

Throughout history, Canadians have shown a love for gambling, and why not. Name another entertainment form that might actually pay you for having fun!

The post Canadians Have and Have Not Enjoyed Gambling Over the Years #Canada150 appeared first on David Yin's Blog.

Amazon CloudFront adds new edge locations in Montreal and Toronto, our first in Canada

We are pleased to announce the launch of our newest edge locations in Toronto and Montreal, our first edge locations in Canada. Adding locations in Canada has been frequently requested by our customers so we are excited to add these two locations to our global network. If you’re already using Amazon CloudFront, you don’t need to do anything to your applications as requests are automatically routed to these locations when appropriate.

These new edge locations help improve performance and availability to end users of your applications and support all Amazon CloudFront features at no additional cost. Pricing for the new edge locations in Canada is the same as that in the US.

We have also added a second edge location in Sao Paolo, Brazil, our third edge location in Brazil. With the addition of the new locations in Canada and the second edge location in Sao Paolo, Amazon CloudFront now has a total of 59 edge locations worldwide. To see a list of all Amazon CloudFront global edge locations, please see our edge location list. To learn more about the service, attend a monthly office hour session that includes Q&A with Amazon CloudFront Engineers and Product Managers. Visit Amazon CloudFront for more information and register for the next office hour.

I am using CloudFront as CDN. It is one of the best CDN service providers. If you have no time to test and try different ones, I recommend it to you.

Official announcement here.

The post Amazon CloudFront adds Canadian edge servers appeared first on David Yin's Blog.

I saw the Ads on twitter, or just someone make a tweet. The most interesting thing is the one time payment and no more recurring invoice. Only one time setup fee.  It also has monthly plan.

For example, the very basic plan, Developer 1, $1/month or $35/one time.

If subscribe the monthly plan, it will be $1/month, after a year, you paid $12.  One time fee $35 is about three year subscription fee. So pay three year service in the front. That’s it. You own the plan for ever.

I purchased plan Developer 2, by one time fee.

Developer 2:

• $10/month or $70/one time
• 2 Xeon vCPU
• 1 public IP
• 1GB ECC RAM
• 20GB SSD
• 100Mbit Network
• 1TB monthly transfer

I have a coupon for 50% off, that means you just need to pay $35/one time fee, you can have it for ever. See the coupon code :

JAbELATAsa

After purchasing, the VPS will install the system based on the choice in the order. About 10 minutes, it is done. I SSH to the server. Make it updated.

Then I converted it to cloudpro. It is much more flexible. I can split the resource of Developer 2 to two Developer 1 server.

I can also add more storage or vCPU to server.

Adding additional IP address is about $4/month for 3 IPs. There is max. 4 IPs per server.

Additional Cloud storage, for 100GB = $25/month.

It is worth to have a VPS server at CloudatCost.

The post CloudatCost VPS – an VPS service provider from Canada appeared first on David Yin's Blog.

Safekeeping

As the custodian of this passport, it is your responsibility to keep it in a safe place at all times. If issued to a child, it is the parent or legal guardian’s responsibility to safeguard the passport on the child’s behalf.

When travelling: Do not leave a passport unattended in your luggage, vehicle, hotel room or esewhere. Lock it in a hotel safe or carry it securely in a moneybelt, purse or inside coat pocket.

At home: when no travelling, it is recommended that your passport be stored in a secure location in your home not easily accessibile to others.

Before you travel

Check the Government of Canada’s official Travel Advice and Advisories or each destination country at http://travel.gc.ca/travelling/advisories. You will find up-to-date, country-specific advice on safety and security, entry and exit requirements, health concers, local laws and culture, and natural disasters and climate for more than 220 destinations worldwide.

Order or download a copy of Essential Information for Canadian Travellers and other publications for advice on safe and responsible travel at travel.gc.ca/publication.

Passport validity/expiry date: Check the expiry date of your passport before planning a trip. Many countries require that your passport be valid for several months after the date you plan to leave. Each country sets its own rules. so you should consult the Travel Advice and Advisories at travel.gc.ca/advice to confirm the requirements of each of your destination countries.

Visas

It  is your responsibility to contact the embassy or consulate of each destination country well before you plan to leave on your trip to find out if you need a visa to enter the country or to stay for a longer period of time. If so, you must apply for the visa right away. For more infomation, go to travel.gc.ca/travelling/documents/visas

If you have to send your passport to  a foreign govermnent office in Canada to obtain a visa, use a secure mail service and provide a stamped, self-addressed envelope for the return of the passport booklet.

During your Trip

Always keep your passport safe and never divulge your travel document information. Do not leave it unattended in your luggage, vehicle, hotel room or elsewhere. Lock in in your hotel safe or carry it securely in your moneybelt, purse or inside coat pocket.

Before you leave, scan or photocopy the information on page 2 of your passport and email it to yourself or carry the copy with you ina different location in case anything happens to your passport.

If your passport is lost or stolen, report the loss or theft immediately to Passport Canada (in Canada) or the nearest Government of Canada office (outside Canada).

Important: If you find the passport that you had already reported lost or stolen, do not use it. It will no longer be valid for travel and you may have problems at the border. Return it immediately to Passport Canada or, if you are outside Canada, to the nearest Government of Canada office.

If your passport is damaged, you could face significant delays, be denied entry at border crosssings, or be denied boarding on flights. Submit a  new general passport applicaiton along with tthe damaged passport to obtain a replacemnt.

Stay connected

Sign up for the Registration of Canadians Abroad service at http://travel.gc.ca/travelling/registration so that Foreign Affairs, Trad and Development Canada can contact you and assist you in case of an emergency at hone or abroad.

Contact :

Toll-free number (Canada and the United States):

1-800-567-6868

From outside Canada and the United States

819-997-8338

The above are from the brochure with my new 10 years passport.

The post Important Passport Tips for Canadians appeared first on David Yin's Blog.

HDEV – View 1

HDEV – View 2

This is the location of the International Space Station when I took following screen shots. On the top of the Canada.

How many times the ISS flying through our sky?

It is about 16 times a day. About 90 minutes a circle.

There are three cameras which transfer real time video to HDEV.

The post More Screen shots from HDEV appeared first on David Yin's Blog.

Click the link here to see the daily schedule for 2012 Olympics.

The post Viewers Guide for 2012 Olympics in Canada appeared first on David Yin's Blog.

• Shipping Estimate: January 24, 2011 – January 25, 2011
• Delivery Estimate: February 3, 2011 – February 16, 2011

Look, it is about one and half month I have to wait. Amazon need to improve their manufacturer performance.

OK, the price is very sensitive part of any purchase.
I order the Kindle Wireless Reading Device, Wi-Fi, Graphite, 6″ Display with New E Ink Pearl Technology
Item(s) Subtotal: $139.00
Shipping & Handling: $9.98

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Business income
Business income, it is from a business activity. It is kind of “profit” of the business.
Subtracting the expenses incurred in generating earned revenue from the earned revenue, you get the profits. If you realize a business loss, this loss may offset income from other income sources, say employment and investment income.
Property income and capital gains
The third major income is income from property, including interest, dividends, and rental.
There are also some chances you get other incomes, like alimony and maintenance payments, annuities.

The post Three basic types of Income appeared first on David Yin's Blog.

The polls are open and British Columbians are on their way to school gyms and church basements across the province to pick their next government. Polling stations will be open on Tuesday from 8 a.m. to 8 p.m. Pacific Time and 9 a.m. to 9 p.m. in the Mountain Time zone. via CBC.ca

Some candidates’ party shown below:
B.C. Liberals
NDP
Greens
B.C. Conservatives

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