If you are looking to get a PayPal developer account, you are likely doing so to test out a merchant account to receive money. The regular signup process lays out the 2 main options of PayPal Payments Standard and PayPal Payments Pro:

This is misleading for a developer account, because in order to test PayPal Payments Standard or PayPal Payments Pro, you technically only need a normal personal PayPal account. I don’t know why PayPal does not make this clearer, but then again they have a history of hiding other information such as their toll-free support number.

PayPal Payments Pro has a monthly fee and quite an involved application process, including a manual approval process where they call you. This is fine for when you and/or your clients are ready to start accepting real payments. However, there is a much faster way to get started in order to work in a sandbox environment!

Simply create a normal, personal PayPal account if you don’t already have one. Then, sign in to the PayPal Developer website. From there, visit the dashboard and then click on the “Sandbox > Accounts” link. There, you will see test buyer and seller accounts:

You can edit the seller account and click the “Upgrade to Pro” button:

This is apparently a permanent step, but you can easily create additional accounts. The important part is that you don’t have to create a full, paid PayPal Payments Pro account in order to have a PayPal Payments Pro developer account!

The noise from train horns at all times of the day has long been an issue for residents and businesses in and near New Westminster. A steady increase in residential developments near the water and thus next to the train crossings has coincided with an increase in complaints, and it was reported in 2013 that the train whistle noise had become the top complaint in the city.

An effort that began many years ago as part of a general Downtown Community Plan and that is estimated to cost at least $3 million (paid by some combination of the city and the railway companies) is seeing its first results. Train whistle cessation has already started at the Port Royal crossing; upcoming highlights include the completion of upgrades to the downtown crossings (Begbie and Front Street as well as Front Street at Fourth Street) in September 2015 and to the Quayside Drive crossing some time in 2016.

More information about the silencing of the train horns can be found on the New Westminster City website on the Train Whistling FAQs page. Quietly exciting times…

After multiple calls to both Telus and Shaw, I was resigned to the fact that they weren’t going to add or improve service any time soon. There is old copper wiring more than 10 kilometres to the nearest substation and neither company said they had plans to install new wiring. The only thing I was offered was something called “managed internet” where you pay Telus to build the fibre for you (tens, if not hundreds of thousands of dollars) — not even close to a realistic option!

Some of the other service providers such as Teksavvy weren’t able to offer anything better, since they simply lease capacity from the “big 2″ of Telus and Shaw.

After reaching out to the City of New Westminster and talking to some businesses in the area, I found that the bad internet speeds are well known in my area, although the speeds are much better a few blocks further west. I also found out about the Intelligent City initiative; a major component of this initiative is to build a fibre optic network through the city. The City of New Westminster does not intend on being an internet service provider, but they would build and own the network, leasing out the capacity to other service providers. This is an exciting development whose general plan has been approved, but will realistically take at least a couple of years before it is ready for commercial use.

Other options included:
* Wireless cell phone plans, where LTE networks now offer great speeds. However, the bandwidth offered with the Telus, Bell, and Rogers plans (as well as some of the smaller companies) topped out at 20GB per month, at which point the costs per GB skyrocket.
* Satellite internet from a company such as TeraGo, although it would cost at least $350 per month for a 5Mbps connection, and a 15Mbps connection would cost $950 per month.
* A “bonded” connection through Lightspeed Internet — this involves combining multiple connections into a single connection. They lease capacity through Telus’s lines, but Telus does not offer this bonded connection. The cost for my building for 3 bonded lines for an effective speed of 15Mbps is $340 per month.
* As suggested by my building neighbours Techno Monkey Media, get a company or building down the street (where they have decent internet speeds) to agree to let me get a normal Telus, Shaw, or other wired connection in their building, then send the signal to my building via rooftop satellites. This has some modest up-front costs, and the ongoing costs are no more than a standard connection.

I ended up moving forwarded with the bonded connection. However, the cost is not something I want to be paying in the long-term. While I wait for fibre internet to come to New Westminster, I hope to set up the “beam an internet connection via rooftop satellites” connection. In any case, this is a problem I would have never expected for downtown New Westminster!

When ING Direct was launched in 1997, it was a clear leader regarding high interest savings account interest rates. Over the years, savings account interest rates everywhere in Canada have dropped significantly, making the term “high interest” a bit of a misnomer. However, even before Scotiabank bought ING Direct and rebranded it as Tangerine Bank, ING Direct’s savings account interest rates had been dropping faster than other comparable accounts, and it is currently tied for last on this chart.

Tangerine Bank has been putting out a lot of interest rate promotions with unattractive stipulations. For example, the rate might be only on net new deposits, or there might be a bonus for taking a one-time action such as switching your direct deposit payroll, or with terms that steer you towards locking in your money for lower rates in the future.

The latest promo is more straightforward, although if you haven’t received a call or an e-mail about it, you’ll have to call in to see if you can get it. In short, it offers a 3% interest rate (technically a 1.95% additional rate on top of the current 1.05% rate) for all money in your regular savings account(s) for the next 180 days / 6 months. The 6-month 3% rate makes Tangerine the temporary leader for a savings account interest rate in Canada. Once the rate is applied to your account, you don’t have to change how you save or set a reminder to pull the money out before it gets locked in — the additional interest rate will just get removed after 6 months. I first read about it in this thread, where you can read about other people’s experiences in getting the promotion.

Not only is this promotion not publicly advertised, but there is no official information about how someone is eligible to take part in the promotion (whether it’s based on your account history or balance) or when the offer will end. When I called in, I told the customer service representative that I read about the promotion on an online forum and that I’d like to take part in it. They said “Sure, we can see whether we can apply that right away” and then almost immediately after, “Yes, I have access to add it”. He couldn’t tell me why he had access to add it, though.

I was able to confirm that the promotion was applied by clicking on the “My contest entries and Bonuses” on the left menu:

… and then it appeared in the “Your special rate offers” table:

Here is the full list of terms and conditions that appeared on my account.

I decided to try Modo. It was easy to sign up, easy to book a car, and pretty fun, too.

All but 2 of the Modo cars in New Westminster are a 2012 model year or newer. The older ones are a 2011 Prius and a 2009 Dodge Caravan. They are all sedan or hatchback sizes except for the Caravan and a RAV4.

To join Modo, you have to pay a $20 application fee. Then you can choose 1 of 2 models:

• pay a refundable $500 buy-in fee to become an owner, then for actual usage pay $4 per hour + mileage (40 cents per kilometre for the first 40km, then 20 cents thereafter); or
• pay $5 per month as a standard member, then for actual usage pay $8 per hour with the first 200 kilometres free

(There are a few more differences in the different membership models, which you can find out more about on the Modo website.)

Gas is included in the cost, as are Golden Ears and Port Mann bridge tolls. You are expected to fill up the tank past 1/4 full at all times, although you use a Modo credit card, which is included in a pouch next to the steering wheel:

You pick up your car from a designated spot and have to return it to that same spot when you are done.

You don’t have to worry about car insurance or maintenance. If you pay for your bookings with a credit card that has collision damage insurance for rentals, that coverage is valid for Modo bookings as well. Otherwise you can pay into a damage insurance pool, which is currently $39 per year.

Extra note: I was surprised to find out that you can take a Modo car to the USA.

Here is a brief summary of my experience when registering for a Modo membership, as well as making my first booking:

The application process was done (almost) entirely online. After completing the application, I had to call ICBC to get them to e-mail my driving record to Modo. After that, it took exactly 1 week for my Modo fob to arrive in the mail:

Once I had my fob, I signed in to the Modo website to search for available cars for a specific time period and location:

I was able to view information about each car and see a map showing where to pick up the car:

Once I’d selected a car and time period, I could view additional information about the car, such as special operating instructions for a hybrid car. (There are no keys, and to power it on there is a… Power button!)

When the time came to pick up the car, I walked over to the location and there was the Prius, in a dedicated Modo parking spot:

Using my fob, I waved it over the sensor on the dashboard and the car automatically unlocked. To lock the car (and disable the engine) at any of my stops, I waved the fob over the sensor once again.

I thought I had plenty of time to return the car, but I ended up being stuck behind a train for 15 minutes. (Tip in New Westminster: if you’re returning a car to the Quay, consider using the overpass at Quayside and Carnarvon, as you might get stuck at Front and Begbie!) I called Modo to tell them about this. Thankfully the next booking wasn’t for another 30 minutes, so they extended my booking by the extra half hour, which cost me an extra $4 instead of having to pay the $25 late fee.

I then parked the car back in the same parking stall, “fobbed out”, and walked home.

I can definitely recommend Modo. If you think it might suit your needs, you can essentially try it out by choosing the monthly $5 membership option. You can of course do your own calculations to figure out whether a car sharing service makes sense for you, whether Modo is the best option compared to the competition (such as Zipcar, Car2Go, and Evo), and then within each service, which plan suits your needs.

With the paid Adobe Acrobat Professional you can edit text, view specific font information, and a lot more, but since we only needed very specific functionality, we looked for a free solution first.

There are apparenty quite a few free command line tools that can extract font information, but ones with a graphical user interface were harder to find. I stumbled upon PDF-XChange Editor: PDF-XChange Editor’s full version can be purchased for $43.50 US (which warrants a good look if you need its more advanced features). Its free version allows you to use the “Edit Content Tool” where you can not only edit text, but get the font and font size information:

This was exactly what we needed.

You can also annotate the document, which enabled us to quickly make some nice QA documentation on the font information:

The only downside to PDF-Xchange for the purposes of extracting font information is that it is only available on Windows operating systems.

Extra note: check out wkhtmltopdf if you need a command line tool to convert HTML5 to PDF!

To conditionally set / unset a header, you have to do a bit of a roundabout process and make use of environment variables. In other words, you have to do a test for the condition and set an environment variable based on the result. Then, you can use a RequestHeader directive based on the environment variable.

In this specific example, I wanted to strip an X-Forwarded-Host header only for a specific subdomain. This is because the subdomain was being used to proof the site through a proxy, but I didn’t want the content management system (CMS) behind it to generate links based on the subdomain; I wanted the CMS to generate links based on the normal site domain / URL.

RewriteCond %{HTTP:X-FORWARDED-HOST} proof.yoursite.com [NC]
RewriteRule ^.*$ - [ENV=ISPROOFSITE:true]
RequestHeader unset X-Forwarded-Host env=ISPROOFSITE

You can do something similar with the mod_setenvif Apache module together with the mod_headers module.

SetEnvIf X-Forwarded-Host proof\.yoursite\.com ISPROOFREQUEST
RequestHeader unset X-Forwarded-Host env=ISPROOFSITE

Bonus notes: here’s an example of how to block traffic based on an X-Forwarded-For header. This is useful if you are behind a reverse proxy such as Akamai or Varnish and you cannot block the source IP directly (since the source IP is of the reverse proxy); in these cases, usually you have an X-Forwarded-For or True-Client-IP HTTP header that represents the end client’s IP address.

RewriteCond %{HTTP:X-Forwarded-For}i 123\.127\.77\.38 [OR]
RewriteCond %{HTTP:X-Forwarded-For}i 124\.127\.45\.59 [OR]
RewriteCond %{HTTP:X-Forwarded-For}i 87\.164\.134\.73
RewriteRule ^(.*) - [F]

I had previously used a program called DriveImage XML to migrate data from an old to a new hard drive with good success. However, it had the same problem in that it did not show the Ubuntu partition.

I ended up successfully using another program called Clonezilla. It is a free and open source program that runs a bit differently than Samsung Data Migration or DriveImage XML. With Clonezilla, you have to burn it onto a bootable CD/DVD or make a bootable USB drive. Then, you reboot your computer and the Clonezilla distribution / operating system will do a live boot on the CD/DVD or USB drive. (There is another option: you can also put Clonezilla on the new hard drive so that you don’t need a separate disk or USB device.) Clonezilla recognized all of my hard drive partitions and successfully copied both the Windows 7 and Ubuntu operating systems to my new hard drive (which I’d plugged in to the computer via a USB hard drive enclosure). Once the copy is complete, you can turn off your computer, physically install the new drive in place of the old drive, and you’re done!

Clonezilla is much more powerful than the Samsung Data Migration program but definitely less user-friendly. However, Clonezilla is very well documented on its website, and not just for the setup process. For example, there is step-by-step documentation for the disk-to-disk clone, complete with screenshots.

The basic premise is relatively straightforward and the same as XE Trade: you submit currency exchange deals through their online interface, send them the money in the source currency, and they deliver the money in the destination currency to your account or a foreign account within a few days. Therefore, you can use it for currency exchanges between your own accounts, or to send money internationally (as long as it’s between different currencies). Especially for sending money internationally on a regular basis, using an online service is often much more convenient than a traditional bank.

Here’s my review of CanadianForex, specifically compared against XE Trade.

Setup

Creating an account at CanadianForex is very straightforward, although just like XE Trade, you have to provide (for a business account, at least) some sensitive information to them, including:

• A signed bank statement
• A client agreement form signed by 2 directors
• A copy of your driver’s licence

Exchange rates

I’ve found CanadianForex’s exchange rates to be better than XE Trade, at least for transferring between Canadian dollars and: US dollars, Euros, and Australian dollars. CanadianForex’s standard fee is $15 for transactions under $10,000 (and no fees for transactions above $10,000); while XE Trade usually charges no fees at all, CanadianForex is still better (as of January 2015) by a significant amount for trades that are more than a few hundred dollars.

Some example comparisons between CanadianForex and XE Trade after deducting the CanadianForex fee:

• Sending approximately $5,500 CAD to Australia (AUD): the recipient got 40 AUD more with CanadianForex
• Sending approximately $8,000 CAD to Germany (EUR): the recipient got 48 EUR more with CanadianForex
• Sending approximately $7,000 CAD to the United States (USD): the recipient got 50 USD more with CanadianForex

In the case of sending money to Brazil, CanadianForex still charges the same $15 fee, whereas XE Trade charges an additional $22 wire fee. This resulted in similar savings as above with CanadianForex.

I’ve also found CanadianForex’s exchange rates to be slightly better than RBC’s foreign exchange rates, at least for transferring US dollars to Canadian dollars within my business account. However, the difference was only a few dollars for some of sample amounts I tested.

Process

The trades happen completely online, although you have to speak to a CanadianForex representative over the phone to complete your initial account setup, and you also receive a verification phone call from them after your first trade.

To book a trade, you must first set up recipients, including their bank account information. Then, you get a quote for the exchange you’d like to make, and click a “Finalise” button. If you’ve set up direct debit, the money will be removed from your account by the next business day. Otherwise, you send CanadianForex the money using your bank’s bill payment system. Once CanadianForex receives the money, they will send an Electronic Funds Transfer (EFT) or wire payment, depending on the destination country, to the recipient.

Customer service

You can contact CanadianForex by phone or e-mail. This is the same as with XE Trade. However, CanadianForex really emphasizes personal contact by assigning you a specific account manager (for a business account at least) and making you speak to them so that they can walk you through their services over the phone. With XE Trade you can set up your account and trade for years without ever needing talking to a person, let alone be assigned a specific contact.

I once had an issue when XE Trade mysteriously removed one of my recipient records without notifying me, and refused to tell me why when I phoned them. After I pushed for some explanation over the phone, they promised to follow up and never did. The recipient was eventually re-instated, although I was never notified about this. Of course, there is a chance that this could happen with CanadianForex, but I expect that they would be more communicative and cooperative with me in such a case. And to be fair, the situation with XE Trade might have been an edge case.

Other notes

• Weekends and holidays: CanadianForex is closed on weekends and holidays. In other words, you can sign in to your account but you cannot submit any trades. This is probably a good thing; with XE Trade I discovered that the exchange rate spread was much worse on weekends and holidays versus normal business days.
• There’s currently a promo where you can get points at The Bay when making currency transfers

The basic premise is relatively straightforward and the same as XE Trade: you submit currency exchange deals through their online interface, send them the money in the source currency, and they deliver the money in the destination currency to your account or a foreign account within a few days. Therefore, you can use it for currency exchanges between your own accounts, or to send money internationally (as long as it’s between different currencies). Especially for sending money internationally on a regular basis, using an online service is often much more convenient than a traditional bank.

Here’s my review of CanadianForex, specifically compared against XE Trade.

Setup

Creating an account at CanadianForex is very straightforward, although just like XE Trade, you have to provide (for a business account, at least) some sensitive information to them, including:

• A signed bank statement
• A client agreement form signed by 2 directors
• A copy of your driver’s licence

Exchange rates

I’ve found CanadianForex’s exchange rates to be better than XE Trade, at least for transferring between Canadian dollars and: US dollars, Euros, and Australian dollars. CanadianForex’s standard fee is $15 for transactions under $10,000 (and no fees for transactions above $10,000); while XE Trade usually charges no fees at all, CanadianForex is still better (as of January 2015) by a significant amount for trades that are more than a few hundred dollars.

Some example comparisons between CanadianForex and XE Trade after deducting the CanadianForex fee:

• Sending approximately $5,500 CAD to Australia (AUD): the recipient got 40 AUD more with CanadianForex
• Sending approximately $8,000 CAD to Germany (EUR): the recipient got 48 EUR more with CanadianForex
• Sending approximately $7,000 CAD to the United States (USD): the recipient got 50 USD more with CanadianForex

In the case of sending money to Brazil, CanadianForex still charges the same $15 fee, whereas XE Trade charges an additional $22 wire fee. This resulted in similar savings as above with CanadianForex.

I’ve also found CanadianForex’s exchange rates to be slightly better than RBC’s foreign exchange rates, at least for transferring US dollars to Canadian dollars within my business account. However, the difference was only a few dollars for some of sample amounts I tested.

Process

The trades happen completely online, although you have to speak to a CanadianForex representative over the phone to complete your initial account setup, and you also receive a verification phone call from them after your first trade.

To book a trade, you must first set up recipients, including their bank account information. Then, you get a quote for the exchange you’d like to make, and click a “Finalise” button. If you’ve set up direct debit, the money will be removed from your account by the next business day. Otherwise, you send CanadianForex the money using your bank’s bill payment system. Once CanadianForex receives the money, they will send an Electronic Funds Transfer (EFT) or wire payment, depending on the destination country, to the recipient.

Customer service

You can contact CanadianForex by phone or e-mail. This is the same as with XE Trade. However, CanadianForex really emphasizes personal contact by assigning you a specific account manager (for a business account at least) and making you speak to them so that they can walk you through their services over the phone. With XE Trade you can set up your account and trade for years without ever needing talking to a person, let alone be assigned a specific contact.

I once had an issue when XE Trade mysteriously removed one of my recipient records without notifying me, and refused to tell me why when I phoned them. After I pushed for some explanation over the phone, they promised to follow up and never did. The recipient was eventually re-instated, although I was never notified about this. Of course, there is a chance that this could happen with CanadianForex, but I expect that they would be more communicative and cooperative with me in such a case. And to be fair, the situation with XE Trade might have been an edge case.

Other notes

• Weekends and holidays: CanadianForex is closed on weekends and holidays. In other words, you can sign in to your account but you cannot submit any trades. This is probably a good thing; with XE Trade I discovered that the exchange rate spread was much worse on weekends and holidays versus normal business days.
• There’s currently a promo where you can get points at The Bay when making currency transfers