Archive for June, 2008

Pocket cameras sprout

Saturday, June 28th, 2008

Tech toys

Sun

Vado Pocket Video Cam, Creative

TomTom GO 930

Palm Centro smart phone, Palm

1. Vado Pocket Video Cam, Creative, $100

It’s the summer for cool new pocket videocams and Creative has introduced its entry, the Vado, which is available in the U.S. and comes to Canada in July. Like Pure Digital’s Flip Ultra, which recently arrived in Canada, this pocket cam lets you point and shoot with the click of a button and post your videos directly to YouTube and other video-sharing sites. The Vado is a slimmer version with a rechargeable battery that recharges via USB and it records up to two hours of video. Unlike the Flip, it doesn’t come with extra accessories like a TV-connection cable but it’s 50 bucks cheaper. Comes in hot pink or silver. www.creative.com.

2. TomTom GO 930, $500

As GPS navigators go, the new TomTom Go 930 is just about as handy as having your own driver. It takes voice commands so you don’t have to drive off the road while you’re trying to punch in an address. It comes with Bluetooth remote control and can connect to your Bluetooth phone, a docking station to hook it to your computer, a window mount to put it in the car and a carcharger. A thin design with a 11-cm screen, it also has TomTom’s MapShare that lets you update and share maps and it has a built-in FM transmitter. www.tomtom.com.

3. MD400 and MD400g, HSPA USB modems, Sony Ericsson

These combine a high-speed broadband modem and a M2 Memory Stick Micro and a microSD slot. With a built-in antenna and extra swivel antenna, these gadgets close up with a retractable USB connector. The MD400g has a built-in GPS receiver to show location. Download speeds of 7.2 Mb/s and 2.0 Mb/s upload. Available in the fourth quarter of this year. www.sonyericsson.com.

4. Palm Centro smart phone, Palm, from $300 with Rogers

Smart phones are your go-everywhere accessory and if you’re not among those waiting for the iPhone to arrive, check out Palm’s latest entry, the Centro. It has a colour touchscreen and a full keyboard. E-mail, Web, text, a 1.3 megapixel camera with video plus an MP3 player. A touchscreen that keeps you in touch and more. www.palm.com/centro.

© The Vancouver Sun 2008

Victoria real estate market gets ‘back to normal’ as industry sees signs housing boom is over

Saturday, June 28th, 2008

B.C. affected by U.S. mortgage crisis

Andrew Duffy
Sun

VICTORIA — Real estate sales are down in the provincial capital. The number of sales and the total value are lower, and the real estate industry is seeing signs that Victoria‘s housing boom is over.

“We are definitely seeing a shift in the marketplace, although it’s certainly not a time for panic,” said Victoria Real Estate Board president Tony Joe. “For people hoping home values will be plummeting any time in the future, I don’t think that’s going to be happening any time soon.”

Joe said the market has been cool so far in 2008, but that’s in comparison to 2007, an “exceptionally busy year when we exceeded all the numbers.”

“We’re also looking over the last five or six years and what we’re finding is things are just coming back to normal,” he said.

According to Landcor Data’s first-quarter residential home sales summary, the economic malaise in the U.S. fuelled by the sub-prime mortgage crisis is having an effect on B.C. and Vancouver Island.

The Island, Fraser Valley and northern B.C. have all seen the total value of sales in the first quarter drop compared with the first quarter of 2007, the first time all three regions have seen a quarterly decrease in the past four years.

“The cooling-off period is not unique to this region, and not to the province of B.C. The North American economy as a whole has seen a dramatic change in market value in the past year,” said Landcor president Rudy Nielsen. “It not only affected the housing prices in certain American markets, but it has been trickling into the demand for homes, the job market and commodity markets around the globe over the past year.”

Over the first quarter of this year there were 4,661 sales of homes on the Island, a drop of 11 per cent, while the total value of those sales dropped 1.95 per cent to $1.7 billion.

Provincially there were 26,860 home sales in the first quarter, down 11.8 per cent from the first quarter of 2007, although total value was up 5.6 per cent to $11.69 billion.

“Speculation, both from investors and home owners expecting a major financial payoff, makes housing more volatile than other economic sectors,” said Nielsen. “Recently, consumer confidence has dwindled, causing the market to correct. This is the normal real estate cycle and this is what we’re seeing throughout B.C.”

© The Vancouver Sun 2008

 

Understanding Property Taxes

Friday, June 27th, 2008

Other

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Understanding Property Taxes

Friday, June 27th, 2008

Other

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2008 1st Quarter Residential Sales Summary by Landcor Data Corp

Friday, June 27th, 2008

Other

New HGTV show using the Stagers & Dekora – a local Vancouver Staging Company decorates vacant properties to make them sell

Friday, June 27th, 2008

The Stagers shows experts redesigning properties for sale

Lucy Hyslop
Sun

Episode 9 – The bedroom above is far more inviting after its ‘staging,’ below.

Episode 6 — the living room at left was cleaned up for its makeover (right).

Maureen Powers (left), Matthew Finlason and Bridget Savereux.

Ron Sowden, owner of the Dekora, is a veteran of the film industry who moved over to ‘set decorating for the real-estate market.’

Diplomacy is needed in the world of home staging, where experts redesign rooms in a bid to make a property on the market sell quicker — and for more. “Eww, that’s gross,” a designer thinks of the tastes of one homeowner who’s right in front of him; “This is nice, this is great” is what comes out of his mouth.

Precious caught-on-camera confessions like this are why HGTV’s new show, The Stagers, starting July 1, makes for such riveting viewing. Much like Sesame Street sneaks in education at the same time as it entertains, viewers will pick up a raft of design tips just by following the creative day jobs of said designer, Matthew Finlason, and the other characters who work with Dekora, Vancouver‘s burgeoning home-staging firm.

The series is also a coup for the city: It’s the first time that HGTV has picked up a show for a national and U.S. audience (airing on July 22) that was shot entirely in Vancouver. From Dunbar to British Properties, from Kitsilano to Mount Pleasant, the city will be representing all types of homes (new condos to old properties, dated décor to weird layouts) throughout the entire continent. “We’re really happy about that,” says Cal Shumiatcher, executive producer at the series’ makers, Paperny Films. “There was no need to sanitize or hide Vancouver, but we don’t go out of our way to say Vancouver either, so we’ll say upscale neighbourhood, for example, rather than Shaughnessy. That way all audiences can relate to the show.”

Filming The Stagers was a “slam dunk,” Shumiatcher adds. “We didn’t have to fake anything,” he says. “In most of these shows you do have to fake the time pressure, for example, but it’s so real for home stagers — they genuinely have five days to dress up a house so all we really had to do is film them. All of the pressure and the drama are all real. It falls down to storyline and characters — we felt positive about both right from the start.”

Characters include the dynamic design duo of Maureen Powers and Bridget Savereux. A mother-and-daughter team with 30 years of experience between them, the pair suddenly had to juggle a film crew (wires, people, microphones) into the mix. “We’re used to having nobody there — just Bridget and I, which is nice and peaceful,” Powers explains, adding that they had to verbalize their decisions for the camera. “We’re so in tune with each other that we’re not used to talking about our design choices,” Savereux says, “but it was important to speak about things so that the public can get a lot of information and tips. If you’re a good designer you can explain it instantly. You have it in your mind.”

In one episode, they have to deal with a dated condo and a spiral staircase that comes into the middle of the living room. They rely on tactics (greenery or art work, for example) to divert the eye to a more interesting area. “You’re constantly trying to make things brighter and lighter,” Powers adds, “make the energy flow through space.” (For Powers, staging and feng shui are linked. “It’s an art that has been around for thousands of years — how to promote something, to make the best to attract energy — and that’s what you are also doing in staging,” she explains.)

“You really see the grit of how we have to handle the client when they are in the space, be sensitive to their needs and their connection to their home,” Savereux adds, “but we also have to be pretty clear about what the issues might be such as design problems, or lighting problems, or paint issues or whatever. At the end of the process though, owners are so ecstatic and the biggest stamp of approval is when we get a client saying that they wish they weren’t moving.”

The key areas, Savereux explains, are to neutralize, declutter, clean and depersonalize the space to that it appeals to as many people as possible.

The episodes show the designers head for Dekora’s 10,000-square-foot warehouse near Second Narrows Bridge, where there are endless rows of different styles of furniture to be hired out for the staging process. It’s a far cry from when co-founder Ron Sowden started with a small home garage full of stuff and a turnover of $88,000 in 2003, to recent projected sales of $2 million, a staff of 40 and a staging tally of more than 1,000 homes.

“Some people find it hard to imagine reconfiguring the space,” he explains, “and that’s why home staging works, because we don’t require them to imagine it — we show it to them. We take away the difficult leap from here’s what it is, to here’s what it could be.”

A veteran of the film industry where he designed sets for movies such as Paycheck and X-Men 2, he says his career naturally segued into home staging or “set decorating for the real-estate market.”

He also found life in front of the camera just as rewarding as behind the scenes. “It’s a totally different experience,” he quips, “but I turned out to be a natural ham.”

The Stagers airs July 1 on HGTV. Visit Dekora at www.dekora.com. The website for Balance 3 Living Design, Maureen Powers and Bridget Savereux’s firm, is www.livingdesign.ca.

© The Vancouver Sun 2008

 

New HGTV show using the Stagers & Dekora – a local Vancouver Staging Company decorates vacant properties to make them sell

Friday, June 27th, 2008

The Stagers shows experts redesigning properties for sale

Lucy Hyslop
Sun

Episode 9 – The bedroom above is far more inviting after its ‘staging,’ below.

Episode 6 — the living room at left was cleaned up for its makeover (right).

Maureen Powers (left), Matthew Finlason and Bridget Savereux.

Ron Sowden, owner of the Dekora, is a veteran of the film industry who moved over to ‘set decorating for the real-estate market.’

Diplomacy is needed in the world of home staging, where experts redesign rooms in a bid to make a property on the market sell quicker — and for more. “Eww, that’s gross,” a designer thinks of the tastes of one homeowner who’s right in front of him; “This is nice, this is great” is what comes out of his mouth.

Precious caught-on-camera confessions like this are why HGTV’s new show, The Stagers, starting July 1, makes for such riveting viewing. Much like Sesame Street sneaks in education at the same time as it entertains, viewers will pick up a raft of design tips just by following the creative day jobs of said designer, Matthew Finlason, and the other characters who work with Dekora, Vancouver‘s burgeoning home-staging firm.

The series is also a coup for the city: It’s the first time that HGTV has picked up a show for a national and U.S. audience (airing on July 22) that was shot entirely in Vancouver. From Dunbar to British Properties, from Kitsilano to Mount Pleasant, the city will be representing all types of homes (new condos to old properties, dated décor to weird layouts) throughout the entire continent. “We’re really happy about that,” says Cal Shumiatcher, executive producer at the series’ makers, Paperny Films. “There was no need to sanitize or hide Vancouver, but we don’t go out of our way to say Vancouver either, so we’ll say upscale neighbourhood, for example, rather than Shaughnessy. That way all audiences can relate to the show.”

Filming The Stagers was a “slam dunk,” Shumiatcher adds. “We didn’t have to fake anything,” he says. “In most of these shows you do have to fake the time pressure, for example, but it’s so real for home stagers — they genuinely have five days to dress up a house so all we really had to do is film them. All of the pressure and the drama are all real. It falls down to storyline and characters — we felt positive about both right from the start.”

Characters include the dynamic design duo of Maureen Powers and Bridget Savereux. A mother-and-daughter team with 30 years of experience between them, the pair suddenly had to juggle a film crew (wires, people, microphones) into the mix. “We’re used to having nobody there — just Bridget and I, which is nice and peaceful,” Powers explains, adding that they had to verbalize their decisions for the camera. “We’re so in tune with each other that we’re not used to talking about our design choices,” Savereux says, “but it was important to speak about things so that the public can get a lot of information and tips. If you’re a good designer you can explain it instantly. You have it in your mind.”

In one episode, they have to deal with a dated condo and a spiral staircase that comes into the middle of the living room. They rely on tactics (greenery or art work, for example) to divert the eye to a more interesting area. “You’re constantly trying to make things brighter and lighter,” Powers adds, “make the energy flow through space.” (For Powers, staging and feng shui are linked. “It’s an art that has been around for thousands of years — how to promote something, to make the best to attract energy — and that’s what you are also doing in staging,” she explains.)

“You really see the grit of how we have to handle the client when they are in the space, be sensitive to their needs and their connection to their home,” Savereux adds, “but we also have to be pretty clear about what the issues might be such as design problems, or lighting problems, or paint issues or whatever. At the end of the process though, owners are so ecstatic and the biggest stamp of approval is when we get a client saying that they wish they weren’t moving.”

The key areas, Savereux explains, are to neutralize, declutter, clean and depersonalize the space to that it appeals to as many people as possible.

The episodes show the designers head for Dekora’s 10,000-square-foot warehouse near Second Narrows Bridge, where there are endless rows of different styles of furniture to be hired out for the staging process. It’s a far cry from when co-founder Ron Sowden started with a small home garage full of stuff and a turnover of $88,000 in 2003, to recent projected sales of $2 million, a staff of 40 and a staging tally of more than 1,000 homes.

“Some people find it hard to imagine reconfiguring the space,” he explains, “and that’s why home staging works, because we don’t require them to imagine it — we show it to them. We take away the difficult leap from here’s what it is, to here’s what it could be.”

A veteran of the film industry where he designed sets for movies such as Paycheck and X-Men 2, he says his career naturally segued into home staging or “set decorating for the real-estate market.”

He also found life in front of the camera just as rewarding as behind the scenes. “It’s a totally different experience,” he quips, “but I turned out to be a natural ham.”

The Stagers airs July 1 on HGTV. Visit Dekora at www.dekora.com. The website for Balance 3 Living Design, Maureen Powers and Bridget Savereux’s firm, is www.livingdesign.ca.

© The Vancouver Sun 2008

Cheque-cashing issues in BC by fraudsters & scammers at Money Mart (Bills of Exchange Act) can be resolved by writing “for deposit to the account of the named Payee only” on the face of all cheques that you are concerned about

Friday, June 27th, 2008

Don Cayo
Sun

Canada‘s establishment bankers have come up with a way for consumers and businesses to protect themselves from fraudsters who deal at Money Mart or other cheque-cashing companies that don’t belong to the Canadian Payments Association.

The problem, as regular readers will know, is that when someone cashes a legally stopped cheque at Money Mart — and this seems to happen a lot — the company often sues the issuer of the cheque, not the casher. This is true even in cases of obvious fraud, as in the frequent scenario where a scammer pretends to lose a cheque, then cashes both the original and the replacement.

As noted in previous columns, the Bills of Exchange Act, which is more than a century old, does include an arcane provision for “crossed cheques” that, in theory, offer some protection.

In law, crossing a cheque by drawing two parallel lines across the face of it means that only the recipient can cash it. In fact, this law is so little understood in Canada — though the practice is routine in places like the U.K. and Australia — that this is generally impractical. The lines are often misunderstood. They’re thought to void the cheque, not limit the cashing options so a third-party cheque-cashing company like Money Mart can’t sue the issuer if it’s rash enough to accept a properly stopped cheque.

Thus many people won’t accept such cheques, and tellers at many mainstream institutions don’t know enough to process them for payment.

In addition, the Canadian Payments Association, which represents banks, credit unions and trust companies, worries that the parallel lines could interfere with the electronic scanners that handle virtually all cheques these days. So I can see why it discourages crossed cheques, though I’d still advocate them if there weren’t a workable alternative.

Fortunately, however, there is a workable alternative.

True to its word, the CPA has taken this issue seriously since my first columns on the subject. On Thursday Roger Dowdall, the association’s vice-president of communications and education, wrote to me with a solution.

Dowdall cites a section of that same old Bills of Exchange Act that says, “When a bill (legalese for a cheque) contains words prohibiting transfer, or indicating an intention that it should not be transferable, it is valid between the parties thereto, but it is not transferable.”

He suggests writing “for deposit to the account of the named Payee only” or similar words on the face of any cheque you’re concerned about — for example, a post-dated cheque for work not done yet, or a payment to someone you don’t know very well.

“The phrase could be written on the memo line of the cheque, or at the top middle of the cheque (i.e. between the account holder’s information that is normally in the upper-left corner and the date, which is in the upper-right corner), provided that it does not interfere with any key information on the cheque, such as the name of the Payee, the amount, the date, etc.

“This wording would be clearly understood by all parties, and would therefore avoid the potential confusion resulting from crossing cheques.

“Financial institutions have reviewed this option and agree it is much more workable than crossing cheques would be.”

Dowdall’s solution is in line with what a number of readers have suggested over the months I’ve been writing about this issue. I did pass on some of those suggestions, though a bit timidly because I am neither a banker nor a lawyer and I didn’t know if any of these wordings had been legally vetted or tested in court.

I suppose a court challenge of Dowdall’s wording could still lie ahead. But if this solution is good enough for his group’s corporate members, it’s good enough for me. So that’s the wording that’ll I’ll use on the handful of cheques I write to strangers or limited acquaintances each year.

In fact, I see no reason why this phrase can’t be printed on my cheque blanks next time I pick up a new batch.

Meanwhile, there’s still every reason for MPs of every stripe to support the private member’s bill put forward two weeks ago by Vancouver East MP Libby Davies. It would put an end to Money Mart’s ability to routinely pursue people who are already victims rather than the scammers who victimized them.

While I hope and trust that businesses and consumers who see this column will take the recommended steps to protect themselves, it’s unreasonable to assume that the practice will be universally — or even widely — adopted any time soon. So Davies’s amendment will be needed for a long time to come.

© The Vancouver Sun 2008

Cheque-cashing issues in BC by fraudsters & scammers at Money Mart (Bills of Exchange Act) can be resolved by writing “for deposit to the account of the named Payee only” on the face of all cheques that you are concerned about

Friday, June 27th, 2008

Don Cayo
Sun

Canada‘s establishment bankers have come up with a way for consumers and businesses to protect themselves from fraudsters who deal at Money Mart or other cheque-cashing companies that don’t belong to the Canadian Payments Association.

The problem, as regular readers will know, is that when someone cashes a legally stopped cheque at Money Mart — and this seems to happen a lot — the company often sues the issuer of the cheque, not the casher. This is true even in cases of obvious fraud, as in the frequent scenario where a scammer pretends to lose a cheque, then cashes both the original and the replacement.

As noted in previous columns, the Bills of Exchange Act, which is more than a century old, does include an arcane provision for “crossed cheques” that, in theory, offer some protection.

In law, crossing a cheque by drawing two parallel lines across the face of it means that only the recipient can cash it. In fact, this law is so little understood in Canada — though the practice is routine in places like the U.K. and Australia — that this is generally impractical. The lines are often misunderstood. They’re thought to void the cheque, not limit the cashing options so a third-party cheque-cashing company like Money Mart can’t sue the issuer if it’s rash enough to accept a properly stopped cheque.

Thus many people won’t accept such cheques, and tellers at many mainstream institutions don’t know enough to process them for payment.

In addition, the Canadian Payments Association, which represents banks, credit unions and trust companies, worries that the parallel lines could interfere with the electronic scanners that handle virtually all cheques these days. So I can see why it discourages crossed cheques, though I’d still advocate them if there weren’t a workable alternative.

Fortunately, however, there is a workable alternative.

True to its word, the CPA has taken this issue seriously since my first columns on the subject. On Thursday Roger Dowdall, the association’s vice-president of communications and education, wrote to me with a solution.

Dowdall cites a section of that same old Bills of Exchange Act that says, “When a bill (legalese for a cheque) contains words prohibiting transfer, or indicating an intention that it should not be transferable, it is valid between the parties thereto, but it is not transferable.”

He suggests writing “for deposit to the account of the named Payee only” or similar words on the face of any cheque you’re concerned about — for example, a post-dated cheque for work not done yet, or a payment to someone you don’t know very well.

“The phrase could be written on the memo line of the cheque, or at the top middle of the cheque (i.e. between the account holder’s information that is normally in the upper-left corner and the date, which is in the upper-right corner), provided that it does not interfere with any key information on the cheque, such as the name of the Payee, the amount, the date, etc.

“This wording would be clearly understood by all parties, and would therefore avoid the potential confusion resulting from crossing cheques.

“Financial institutions have reviewed this option and agree it is much more workable than crossing cheques would be.”

Dowdall’s solution is in line with what a number of readers have suggested over the months I’ve been writing about this issue. I did pass on some of those suggestions, though a bit timidly because I am neither a banker nor a lawyer and I didn’t know if any of these wordings had been legally vetted or tested in court.

I suppose a court challenge of Dowdall’s wording could still lie ahead. But if this solution is good enough for his group’s corporate members, it’s good enough for me. So that’s the wording that’ll I’ll use on the handful of cheques I write to strangers or limited acquaintances each year.

In fact, I see no reason why this phrase can’t be printed on my cheque blanks next time I pick up a new batch.

Meanwhile, there’s still every reason for MPs of every stripe to support the private member’s bill put forward two weeks ago by Vancouver East MP Libby Davies. It would put an end to Money Mart’s ability to routinely pursue people who are already victims rather than the scammers who victimized them.

While I hope and trust that businesses and consumers who see this column will take the recommended steps to protect themselves, it’s unreasonable to assume that the practice will be universally — or even widely — adopted any time soon. So Davies’s amendment will be needed for a long time to come.

© The Vancouver Sun 2008

Internet will be more dotty after radical shakeup of domain names

Friday, June 27th, 2008

EMMA CHARLTON
Sun

PARIS — Internet regulators Thursday voted to allow the creation of thousands of new Web domain names, from .paris to .Pepsi, in one of the biggest shake-ups in Internet history.

The overhaul is expected to radically change the way users navigate the Internet and has implications for businesses and consumers.

“This is a historic resolution,” said Peter Thrush, board chairman of The Internet Corporation for Assigned Names and Numbers (ICANN). “It’s going to make a big difference to how the Internet looks and works.”

The ICANN board approved the change Thursday at its annual general meeting in Paris.

Currently all web addresses fall under one of some 250 top-level domain names: country or territory domains such as .ca, and generic ones such as .com, .net and .org, .gov, and .edu.

Under the new system, the web’s 1.3 billion users would be able from 2009 to buy an unlimited number of generic addresses based on common words, brands or company names, cities or proper names. In addition domain names in non-Roman alphabets, such as Arabic, Mandarin Chinese or Cyrillic, will be allowed, according to Loic Damilaville, deputy head of the French domain name body, the AFNIC.

The popular online trading site eBay is one of the many companies that wants to have its own domain name.

Broad product groups such as .bank or .car are also likely contenders, while the pornography industry is angling for the creation of a .xxx domain for adult sites.

Cities could benefit too from this liberalization, with the German capital hoping for .berlin or New York for .nyc.

ICANN chief executive Paul Twomey said the details would be worked out over the next three or four months, with the change expected to take effect in the second quarter of 2009.

Some participants at the ICANN meet had voiced concerns about “cybersquatting” — the risk that brand names, for example, could be usurped on the Web.

To avoid chaos, Damilaville said the ICANN also adopted a motion designed to “limit the abusive registration of new domain names.”

In addition, ICANN is looking at ways of blocking certain domain names based on security or moral grounds, he said.

Some cities or regions have been bending the rules already to get the domain they want. The city of Los Angeles has, for example, signed a deal with the Asian state Laos to use its .la domain.