Did you know...Travel cancellation insurance companies are capitalizing on the airlines policy to credit your account if you don't make a flight. You'd think that if you cancel because of illness, that you'd be reimbursed for the cost of the flight. Not so. Not if you read the fine print and understand what mitigation of damages means. It means you have to pay a fee to activate a credit to take another flight within the year. And then they'll pay you back for the $50 fee to activate the credit.
What you will likely get reimbursed for is only the cost of the 'change fee' that the airline charges for you to pick up the credit later.
The fine print in the contract is that they will cover you if your flight is non refundable. The airlines are saying that they credit your account, which means they aren't non refundable. Even if you choose not to trigger that credit, you won't be reimbursed by the travel cancellation policy.
If you qualify, and should you choose to activate the credit by paying the 'change fee' within one year, they will cover the cost of the change fee. But only if you pay the change fee.
So before you buy flight cancellation insurance, find out if you don't make your flight, does the airline credit your account for that flight, leaving you the option of paying extra to activate that credit? If so, all you are insuring is the change fee should you decide to pay for it.
What a scam! And of course, the wording is all in the fine print on the contract...should you read it, and understand what it means, and understand how the airline will treat your cancellation,
What will you get? If you can prove you were ill or someone died, if you pay a premium of $37 for a $600 flight, you'll get back the $50 you pay should you not be able to make the flight. Because you had the option to use those credits in the future, even if time limited to one year, and choose not fly with that company again, you should have taken that trip, even if you didn't want to, because if you don't, and you don't pay to mitigate your loss, all you'll get back is the extra $50 you pay to activate your credit.
Ever wonder if there's collusion between the airlines and the flight cancellation insurance companies? After all, they do affiliate. What exactly do the airlines get paid by the insurance companies for the priviledge of being the listed agent on their website?
Is anyone at Industry Canada listening?
Consumer Alert / Travel cancellation insurance
Relief for victims of natural disasters
Please let anyone you know who was affected so they can avail themselves of these provisions
Why spouses should be invited to a conference
Sad but true, my husband thinks accountants create an entertainment vacuum. But, if I died, he says he's going to attend such a conference to find a new wife to take over my practice.
How to walk in someone else's shoes... without wallowing in their shoe box
Ring...another phone call with the same story as the last one...these boomers are all being sandwiched between parents, friends with no kids, and their own kids...
... “you have to help me. My friend in the condo complex, has dementia. I am Diane’s Power of Attorney. Canada Revenue Agency just called and they are demanding that I arrange to pay my her tax bill. She doesn’t make that much income, how could she owe? Why did they call me? “
Dementia / Memory Plus
This is interesting... I think I'm starting my memory book now... when you don't have kids there's no one to do this for you
PDF eBooks.. in color, with tables & the free Kobo Reader APP
This long weekend I investigated several modes of publishing eBooks that are PDF's. I was sorely disappointed when Kindle completely mashed my PDF, removing all semblance of order, color, design, charts, tables et al from my eBook.
Somewhere along the way I ran across the free Kobo eReader and downloaded it for free on both my desktop and my iPhone 3GS. I already had DropBox installed on both my desktop and my iPhone. The PDF eBook was in a DropBox folder.
When the KOBO support team found this solution for me, I had the PDF in Kobo in color, perfectly sync'd on my iPhone in under one minute.
Here are their word for word instructions for using either iTunes or Drop Box to load your eBook to a free Kobo eReader with potential!
Why would you want to do this? The library function in Kobo provides you with a way to organize your reading to find what you were last reading, or add folders for your own categories.
Now I just have to figure out how to fix the naming on the PDF as it's called Slide 1 instead of the file name.
Thank you Kobo Team. Please follow these steps in order to side-load PDF and unencrypted epub files into the
Kobo application using iTunes:
1) Check to make sure that you have version 3.4 or later of the Kobo application installed on your device and that your device is running an iOS version that supports side-loading (iPhones / iPods that can run iOS 4.0 or later, and all iPads, regardless of the iOS)
2) Launch iTunes
3) Connect your device to iTunes
4) Select the device from the Devices list in iTunes
5) Click on the "Apps" tab for the selected device
6) Scroll to the bottom of the Apps page, you should see a "File Sharing" section
7) Click On the Kobo icon that is displayed in the File Sharing section
8) Drag and drop PDF and/or unencrypted epub files into the Kobo Documents section, or use the "Add..." button to add the files.
9) iTunes should automatically sync the files to the Device
10) Launch the Kobo application and you should see the files you added via iTunes are now visible!
Sincerely,
The Kobo Team
Kobo APP Via Dropbox APP (or desktop)
Install version 3.4 or later of the Kobo application on your iPhone / iPod Touch / iPad.
1) Install Dropbox on your computer and your iPhone / iPod Touch / iPad
2) Add an unencrypted PDF or ePub file to the Dropbox folder on your computer
3) Launch the Dropbox application on your iPhone / iPod touch / iPad
4) You will see the contents of your Dropbox folder and the ePub and PDF file(s) you added will be displayed
5) Tap on the ePub or PDF file. Note: For PDF's Dropbox will actually display the content, for ePubs it won't.
6) In the top right corner of the menu is the "Open In..." icon (It's a square with a right facing arrow coming out of it), tap on this icon. It will display a list of applications that are installed which are able to open this file, one of which will be the Kobo app, tap on the entry in the list for Kobo.
The Kobo application will then launch and the file will be added to your Library / I'm Reading list.
If you require any further assistance, please do not hesitate to contact us.
Sincerely,
The Kobo Team
BC can't lower the HST rate until 13 months from now... we're locked in
HST termination details
See attached a copy of the CITCA (HST) agreement between Canada and British Columbia.
· Every five years, the HST will be reviewed by both governments. (III, 14).
· After two years from the date of implementation, the Province may modify its 7% portion of the tax (IV, 16)
other Party to have committed a material breach of the Agreement, consult with the other Party
in respect of the material breach and, during that consultation, discuss the circumstance or
action that, in the Party’s opinion, constitutes the material breach by the other Party.
Annex C, Section 14:
If, within 180 days of Canada’s provision of an Effective Notice in respect of a material
breach, the material breach has not been remedied or cured, the Province will indemnify
Canada in an amount equal to the portion of the Assistance Amount (referred to as the
“Indemnity”) that the Province received under the Agreement. The Parties agree that, on the day
(referred to as the “Day of Indemnity”) that is 180 days after Canada’s provision of the Effective
Notice, the Indemnity will become immediately due and payable by the Province as a debt due
to Canada. The Parties acknowledge that the Indemnity provided for under this clause is to
compensate Canada for its loss and the impact on national economic growth and job creation.
Read more attached...