Showing posts with label #Durham. Show all posts
Showing posts with label #Durham. Show all posts

Saturday, February 28, 2026

Today’s approach to Debt?

By Bruno Scanga Financial Columnist Today the traditional approach to debt means that each month millions of Canadians jump through financial hoops to meet their final obligations, paying their bills, cover borrowing costs and try to put something away into savings, investments, and retirement. Most Canadians manage their finances by doing two things: 1. Deposit their income and other short-term assets into chequing and saving accounts 2. Borrowing when they need to, through mortgages, lines of credits, personal loans, and credit cards. Sounds simple enough, Unfortunately, they usually receive low or no interest on money they deposit, while they pay high interest on money they borrow. Wouldn’t it make more sense if the deposit and borrowing were combined? Why not have every dollar you earn pay down your debts until you need to spend that money? All in One account. This this the most efficient ways to manage debt and cash flow. This account is where you can have your saving directed and applied to your debt. In using this account your savings and income automatically reduce your debt to save you interest. You can have a combination of borrowing with a fixed rate and another portion of your debt in an open line of credit. The fixed rate accounts can help provide payment certainty in arising environment. This approach can reduce interest costs and lower the risk of overspending in the account. You can create a tailored debt management system based on your needs: · Income · Lifestyle · Cashflow Surplus · (undesignated money left over at the end of the month) · Interest rate risk tolerance · Understanding a good debt versus overwhelming debt Fixed or variable mortgages rates – which on is right for me? If you are looking for a traditional mortgage, you may not completely understand between fixed rates and variable rate mortgages. Each has is own benefits and your choice will depend on your situation and your personal preference. Your best options are to shop the marketplace and ask your advisors questions to ensure the plan you are getting meet all your need. Chequing vs savings Instead of juggling between a chequing and a saving account, why not have an option where you can enjoy the best of both? Most banks want you to operate with multiple banks. It important to know that you are not maximizing your money by using separate chequing and saving accounts. There are solutions that can help you benefit from higher intertest rates of a saving account along with the liquidity of a chequing account. Always ask questions, never accept the plans until you are 100% satisfied this will do what you want it to do for you. Remember Comprehensive, Diversified Strategic Planning.

By The Numbers

By Wayne and Tamara I need some clarification on something my husband has told the world, but first, a little background. We’ve been married four years, and he has cheated on me twice. They were separate affairs, each lasting less than a year. The first one we moved past by recommitting to each other. Well, at least I did. I was getting back to my old self, and we were going out on weekends canoeing, swimming, hiking, and bicycling. Shortly afterward I discovered the second affair. That one really threw me for a loop because he led me to believe things were getting much better. Then yesterday I saw him on a website I thought was a site for uploading pictures of family and friends. I learned it is a social networking site. On the website he lists his relationship status as “it’s complicated.” When I asked him what that means, he said I read too much into things. To me it sounds like “I am married but still available.” That doesn’t sit well with me. Now he is talking about us moving out of state away from my family. Does “it’s complicated” mean to him what it says to me? Daphne Daphne, the British psychologist Peter Wason conducted a revealing experiment. He gave university students three numbers—2,4,6—and asked them to tell him what rule they followed. Before they suggested a rule, the students were allowed to guess sets of numbers and ask if they followed the rule. A student who suggested 8,10,12 would be told those numbers follow the rule. If the student then offered 14,16,18 or 1,3,5, again they would learn those numbers follow the rule. At that point the student would guess the rule is each number is two larger than the previous number. But that is not the rule. If we tell you that 1,300,996 follows the rule, can you guess what it is? You’re right. The rule says each number must be larger than the one before it. What the experiment demonstrates is that human beings suffer from confirmation bias. We try to confirm our beliefs rather than trying to disconfirm them. That’s what you are doing with your husband. You think when he is nice to you he is recommitting to you. It appears more likely he is trying to keep you from calling a lawyer, telling his parents, or stopping his behavior. When he takes you out for the evening, he may be celebrating what he just got away with. Now he hopes to take you away from your support system, your family. Take a page from his book and do something without telling him. Contact the only person likely to solve your problem: a good divorce lawyer. Wayne & Tamara Benched For four months I sporadically dated a woman I know from church. I fell in love with her. When I told her how I felt, she said she wasn’t ready yet. She felt I lacked self-confidence and that made me less attractive. But she became interested again when she learned I was going to meet someone else at church. She asked if I would come by her house later that week. We had a great time, and the night ended with a passionate kiss or two. Maybe three or four, I lost count. She says God has put three great men in her life, and I am one of them. She feels I am a different person now, and she is awaiting clarity on what to do next. However, when I asked her out for this weekend, she said she is going to the lake for the weekend with one of the other two men. Should I continue the relationship or move on? Greg Greg, you’re not a starter on her team. You’re second- or third-string. If you want playing time in the romance league, find another woman. Wayne & Tamara

Election Season Approaches

A Candid Conversation By Theresa Grant Real Estate Columnist As election season approaches, I have noticed conversations around our city are starting to change. I am sure that most are familiar with the Facebook groups that cover Oshawa be it downtown, uptown or south. There are several. For the most part I can’t help but notice there is so much negativity and down right nastiness in some cases. When it comes to venting on the way things work here in Oshawa, however, I seem to see a lot of people follow up with something like, mark your ballot, or I’ll let them know in October. That is wonderful if in fact that were the case. Unfortunately, so many don’t bother to go and actually do that. Engagement is so important. Whether it’s a conversation in a hockey arena, a coffee shop or the grocery store, people need to talk about what’s going on and then have their voice heard come election time. A strong city depends on its people to feel connected and to care about the direction their city is headed in. I for one feel that we have a reactive council and that does not serve anyone well. The circular thinking of this council is why the downtown area is what it is. That needs to change. People need to vote for different representatives if a different result is what they want. If you have questions, make someone answer them. We should be investing in small businesses, welcoming new investments, taking care of our seniors and helping newcomers to put down roots. Oshawa is a wonderful city capable of so much if only people would stop with all the negative talk and disregard. While we as citizens don’t expect perfection, we certainly have a right to expect communication and inclusion. An election gives everyone an opportunity to not only have their say but to help shape the next chapter of Oshawa’s story. Make sure you don’t forfeit your chance to be a part of that. Decide right now that your voice is important, because it is! Don’t let October 26th be just another date on the calendar. Get out and make a difference in your community.

When Employers See Your Value, Job Market Disconnects Disappear

When Employers See Your Value, Job Market Disconnects Disappear By Nick Kossovan When it comes to my The Art of Finding Work columns, none of what I write is theoretical for me. It took me about 20 years into my career to grasp the importance employers place on value-add. Before this realization, I intellectualized my experience, which was of no value to an employer. I believe two main factors significantly contribute to why job seekers struggle in a job market that, although highly competitive, is still hiring, though not as easily or quickly as they feel entitled to. 1. Having grown up overprotected and overindulged, with parents and teachers constantly telling them, "everyone wins," many job seekers never had to fight for anything and therefore aren't mentally prepared to compete for a job. 2. Intellectualizing their experience. Many job seekers hold the naive belief that their “experience” and “credentials” should be enough to get them hired; in their minds, they don't have to prove how they contributed to their former employers' profitability. Ultimately, much of the disconnect between job seekers and employers stems from job seekers failing to articulate how they'll contribute to an employer's bottom line—not framing their value. When job searching, your worth needs permission. You don’t decide your worth; employers do, which they determine based on how they perceive what your value or potential value to their business is. Your worth to an employer isn’t a given, nor is it a matter of self-opinion. Proving your worth is your responsibility. An employer assessing a candidate’s worth is no different from making a large purchase or investment. If an employer sees value, which, as I mentioned and is worth repeating, is the jobseeker’s responsibility to demonstrate, in hiring a candidate (an ongoing expense), such as they’ll generate revenue, save money, or remove risks, they’re more likely to hire that candidate, provided they feel the candidate will mesh with their company culture, the team they’ll be working with, and will be manageable. Understandably, employers look to hire low-risk candidates, defined by: · Having a track record of delivering measurable outcomes. · Coming across as someone who won’t be a disruptor (you’ll make things easier, not harder). Employers aren’t interested in your experience per se; they’re interested in the value you added to your previous employer’s profitability, which you ideally will add to their business. Approaching your job search with “Here’s what I do” triggers the question, “So what?” · "I'm fluent in Tagalog." · "I'm proficient in Excel." · "I managed a help desk." · "I'm creative." · "Results-driven leader with a proven track record." Due to their intangibility, employers no longer take self-promotion statements, which are usually grandiose, or opinions about oneself, seriously. I’ve lost count of how many candidates talk a good game about themselves, but upon further due diligence (an assessment test, completing an assignment, asking ‘Tell me a time when’ questions), it became clear that talking a good game was their primary skill. Recruiters and hiring managers scan resumes and LinkedIn profiles for numbers and context, not soft skills or empty phrases. Results outweigh opinions. Employers are only interested in hiring candidates who can deliver results. When was the last time you made a purchase—remember, hiring is equivalent to making a purchase—without considering the expected result(s)? · In 2025, secured $1.5M in new business contracts by targeting businesses that serve Toronto’s Filipino community. · Created a custom automated Excel template that cuts the time to generate weekly sales analysis reports by 80%. · Implemented Zendesk AI Agents, reducing IT support’s average daily call volume from 850 to 680, a 20% decrease. · Launched Wayne Enterprise’s new anti-frizz shampoo by producing and posting 20 engaging 30-second videos on its social media channels, resulting in a 28% increase in conversion rate over the previous launch, a colour-enhancing shampoo. · Managed a $10M annual capital expenditure budget spanning 4 divisions. Achieved 15% savings in 2025 through vendor renegotiations. Shifting from “What do I want to say about myself?” to “What evidence can I provide that I’m the solution to this employer’s problems?” will create “connects” between you and employers rather than disconnects. Reflect on how your skills have led to measurable outcomes. The candidates who are getting hired aren’t the ones who are shouting the loudest or checking off all the proverbial boxes. The candidates employers are having conversations with are those they believe can effectively solve the problems the role is meant to address. For an employer to view you as a solution worth paying for, they need to see evidence that you have solved problems for your previous employers. Position yourself around the employer’s problems and needs—What employer wouldn’t want to increase their profitability?—not your resume. Every day, job seekers tell me or post on LinkedIn, complaining about how employers hire, as if that’s a smart job-search strategy (it isn’t), that they have years of experience and expertise, yet their applications go unnoticed. No acknowledgments. No conversations. It’s their ego talking. Job seekers expecting employers to merely value their “experience” and “expertise” without providing evidence of how they impacted their previous employer’s bottom line are the ones creating much of the disconnect between job seekers and employers, and then ironically complain about “the disconnect.”

Freedom On Trial

Freedom On Trial By Dale Jodoin Columnist There is a new kind of tension in Canada right now. Not the loud kind that blows up in a comment section. The quiet kind that sits in your gut when you read the next federal bill and think, wait, can they really do that? People are worn down. Prices are up. Trust is thin. When trust is thin, government power feels heavier. You hear it in plain talk from people who never cared about politics. They are saying, I keep my head down now. I do not post that stuff anymore. I do not want to be the one they make an example of. That last line is the warning. Behaviour is changing. The bill lighting up phones and church meetings is Bill C 9, the Combating Hate Act, introduced in September 2025. Ottawa says it targets hate, intimidation, and harassment, and protects access to places like churches, synagogues, mosques, temples, and community centres. Most Canadians agree nobody should be threatened while walking into a house of worship. The fight is about what else gets pulled in, and what becomes criminal when definitions get stretched. Bill C 9 proposes changes to hate propaganda and hate crime rules in the Criminal Code. The part that has faith communities on edge is tied to removing a long standing defence that protects good faith discussion of religious subjects. In simple terms, that defence has been a legal shield for religious teaching and debate, even when a topic is sensitive, even when the message is unpopular. That matters because religion is not only comfort. A lot of it is moral claims. Right and wrong. Sin and forgiveness. Marriage. Family. Human nature. Those topics will always offend someone. In a free country, offence is not supposed to equal crime. When the legal line gets blurry, people stop talking. Not because they plan harm. Because they do not trust how the line will be drawn later, who can file a complaint, or what happens when a sermon clip goes online. And in 2026 everything goes online. A phone in the back pew. A short clip. A caption added by someone else. A few angry comments. Then the pile on. Context disappears. Tone disappears. Even a quote can be treated like a personal attack. Some people say, if you are not doing anything wrong, you have nothing to fear. That is not how modern life works. Words are messy. Sarcasm gets read as threat. A hard opinion gets labelled harmful. A quote gets treated like intent. Here is the fear Canadians are talking about. A country can slide into punishing speech, not only violence. The fear is not only a fine. It is a police file. A court date. A lawyer bill. A criminal label. A job that suddenly goes cold when your name gets searched. And yes, people talk about jail. It sounds extreme until you look at other countries that already charge people over online speech. Canadians keep bringing up England because it shows how “we are targeting harm” can become “we are prosecuting messages.” In the UK, some offences cover online messages judged grossly offensive, and convictions can bring penalties, including jail time. That is why Canadians ask, are we heading the same way? Bill C 9 also lands in a country where online harms proposals keep returning. Ottawa and regulators have been pushing for stronger rules that pressure platforms to reduce exposure to certain content. The goals sound fine. Protect kids. Stop threats. But the mechanics matter more than the slogans. If platforms face legal duties and penalties, they protect themselves first. The safest move is to delete fast and wide. More removals. More automated filters. Less tolerance for blunt debate. Less patience for context. That is how lawful speech gets squeezed without a judge. Private companies become the gatekeepers because they do not want trouble. Even if you never get charged, you can still get shut down. Your post disappears. Your reach drops. You get a warning that explains nothing. Then you stop posting, because it is not worth the headache. Now add the specific worry for churches. If legal protections around good faith religious discussion are narrowed, it is not hard to picture more complaints aimed at sermons, Bible verses, flyers, youth talks, even a pastor answering a question after service. The fear is not that pastors want to harm anyone. The fear is that a broad law plus a complaint driven culture equals trouble. A lot of Canadians already watch their words at work. Now they fear they will have to watch their words at church too. Once a church starts preaching like it is scared, something has changed. Ottawa will say these bills target hate, not honest debate. But laws do not live in press conferences. They live in definitions and enforcement. They live in how police, prosecutors, regulators, and platforms interpret them over time. They live in what gets labelled hate, and who gets to decide. Here is a basic test any reader can use. Do these laws focus tightly on direct threats and real violence, with clear language that protects lawful speech? Or do they drift into punishing ideas, moral claims, and unpopular opinions? Once the state starts managing ideas, it rarely stops at the first target. Language broadens. Enforcement gets uneven. The safest move for ordinary people becomes silence. If Ottawa wants trust, the answer is not vague speech law. The answer is tight language, clear limits, and strong protection for lawful expression, including religious expression, even when it offends someone. If you care about free speech, do not sleepwalk through this. Read what Bill C 9 changes. Watch whether Parliament removes the good faith religious defence. Ask your MP one direct question. Can Canadians speak honestly about religion, morality, and politics without fearing a police file, or worse? Because once fear becomes normal, freedom shrinks quietly, and you notice it only after your voice is already gone.

The YAR Factor: When Planning Debate Becomes Character Assassination

The YAR Factor: When Planning Debate Becomes Character Assassination There was a time when land-use planning debates in Clarington revolved around traffic studies, air quality modeling, servicing capacity and waterfront access. Now we have something new. I’m calling it the YAR Factor — You’ re All Racists. It emerged during discussion of the Courtice South Secondary Plan — the lands south of Highway 401 , west of Darlington Provincial Park and east of Energy Drive, adjacent to the Clarington Energy from Waste Facility. For those unfamiliar with planning law, a secondary plan is not a building permit. It is the blueprint that dictates what will eventually rise from the ground. It sets height. Density. Employment lands. Park configuration. Road alignments. Phasing triggers. It is where a community’s bones are drawn long before cranes arrive. And this one is complicated. We are talking about lands that: - Sit beside a provincial park. - Border an incinerator facility with potential expansion. - Exist within the shadow of approved small modular reactor development. - Will require updated nuclear emergency planning. - Will demand new air quality studies. - Will trigger development charge recalculations. - Will intersect with GO expansion timelines and Courtice Road/401 upgrades. - Contain significant employment lands tied to the energy sector. This area is likely 13–15 years from full realization. But the policy groundwork happens now. That’s why residents showed up. They raised concerns about: - Waterfront access. - Condo tower height and density in the Kemp subdivision. - Industrial adjacency. - Whether the municipality missed an opportunity years ago to acquire the entire waterfront for roughly $2 million. - Infrastructure sequencing before residential intensification. These are not fringe objections. They are textbook planning questions. And yet, instead of rebutting those concerns with studies, reports, and evidence, the debate veered into something else entirely. Regional Councillor Granville Anderson publicly suggested that those opposing the residential component of the secondary plan are racist and Islamophobic. That is not a planning rebuttal. That is amoral indictment. Let’s be clear: racism exists. It must be confronted wherever it appears. But to broadly characterize policy opposition as racism — absent explicit discriminatory statements — is not anti-racism leadership. It is rhetorical escalation. When elected officials label dissenters instead of answering them, three things happen: 1 . Public participation declines. 2. Trust in process erodes. 3. Real anti-racism work is trivialized. The irony here is profound. When planning debates are reframed as moral purity tests, we stop debating policy altogether. We stop asking whether the development charge by- law is updated. Whether emergency plans align with approved reactor development. Whether employment lands are being quietly eroded. Whether air modeling has been completed. Whether phasing matches infrastructure capacity. Instead, we debate who is virtuous. That is governance drift. There is also another uncomfortable layer. Repeated public praise of a developer’s philanthropy during statutory planning meetings does not strengthen a file — it weakens it. Philanthropy is commendable. It should not be weaponizedas political insulation. Developers deserve fair process, not performative adoration. Planning decisions must stand on the Planning Act, the Official Plan, and evidence — not applause. When I served in office and faced controversial development files, I did not dismiss residents. I demanded studies. I ensured staff reports addressed legitimate concerns. I made my case with data. Calling the public racist because they question density is not data. The YAR Factor is dangerous because it shuts down debate by redefining disagreement as prejudice. A municipality cannot build trust if residents fear being morally smeared for asking about building heights. Clarington stands at a crossroads. The Courtice South lands will shape our waterfront, employment base, and infrastructure load for generations. These decisions deserve rigorous analysis — not rhetorical shortcuts. If council believes the residential intensification is sound policy, make the case: - Show the servicing capacity. - Demonstrate the emergency preparedness. - Produce the air quality modeling. - Update the capital forecast. - Align the development charges. Win the argument. But do not silence it. Because once public consultation becomes avenue for character assassination, participation becomes a liability — and democracy becomes performative. The YAR Factor may win a news cycle. It will not build a community.

Building A Culture Of Control

Building A Culture Of Control As a Pickering City Councillor and the only elected official in Durham Region to attend the Durham Regional Police Service (DRPS) Drone as First Responder (DFR) Pilot Project community information night on Thursday, February 26, 2026, at the Education and Training Centre in Whitby, I witnessed firsthand the presentation of this program—already live and operational across our region. No other municipal or regional representative was present, underscoring my ongoing commitment not only to the residents of Pickering but to the broader Durham Region. Unlike my counterparts, I serve without compensation, driven purely by a dedication to transparency, accountability, and protecting the freedoms of those I represent. Durham Regional Police have launched one of Canada's first Drone as First Responder programs, with police-grade drones—manufactured by the American company Skydio—which will be docked strategically across the region. These are not recreational toys; they are advanced systems capable of launching and hovering over an incident scene in approximately 60 seconds—long before ground officers arrive. A drone could be filming your street, recording video, and transmitting live feeds at police discretion. I must commend our Durham Regional Police Service—they are among the finest in the country, dedicated professionals who put their lives on the line daily to keep our communities safe. Their innovation in emergency response is admirable, but this program represents a slippery slope. Once we cross the line into expanded surveillance without ironclad safeguards, it's hard to turn back. History shows that tools introduced for "emergencies" often expand in scope, eroding privacy inch by inch. Officials describe the program as a tool for emergencies and "operational incidents"—a term so vague and broad that deployment ultimately rests on police judgment. This raises serious questions: What if Quebec-style curfews returned, as we saw during COVID lockdowns? Could drones patrol neighborhoods to enforce compliance, monitor who is out after hours, or track individuals? During lawful peaceful assemblies—protests, marches, or community gatherings—might they hover overhead under the guise of "operational need" for situational awareness? We have already seen police drones deployed at large events elsewhere in Canada, and the potential for mission creep is undeniable when guidelines are this open-ended. Consider the Million March for Children here in Durham a couple of years ago—a lawful assembly of parents and caregivers advocating for their kids. There was disturbing talk from City Hall, including straight from Mayor Ashe himself, questioning whether these protesters were "good or bad people." What would it take for DRPS to cross that line today? If a Chief Administrative Officer from any Durham municipality claimed they feared for their safety due to a legal protest, would drones be launched to surveil the participants? This isn't far-fetched; it's the logical extension of discretionary aerial monitoring in a region already leaning toward overreach. Authorities assure us there is no facial recognition in use today. Yet footage can be recorded, stored, and subject to review. That data persists indefinitely. As artificial intelligence advances, future tools could analyze archived video for identification or patterns—especially with policies that evolve over time. Closer to home, Ontario Tech University is actively researching AI-coordinated drone swarms, where multiple drones operate autonomously. (Durhams Drones can also work autonomously together). Internationally, we see examples like China—the most surveilled country in the world—employing such technology for public monitoring and crowd control. Durham's program is not hypothetical; docks are installed, drones are flying, and the initiative is underway. The community information night—featuring live demonstrations, discussions on privacy, and opportunities to meet operators—came after the fact. The decision to deploy was made without prior public consultation or meaningful input from residents. We were presented with a fait accompli: the program is here, now come learn about it. This is not merely about faster emergency response; it is part of a broader pattern in Durham Region where policies increasingly tilt toward centralized oversight and data accumulation. Coupled with other initiatives—like the hate reporting line, essentially a snitch line allowing neighbors to anonymously report on neighbors or anyone for offensive comments, jokes, or perceived slights—it contributes to what can only be described as a culture of control. One where wide discretion allows surveillance tools to proliferate, personal privacy erodes incrementally, and meaningful oversight arrives only after implementation. Durham residents deserve better. Is our region becoming a testing ground for always-on aerial monitoring? Are we comfortable with footage of our neighborhoods, homes, and families being captured, retained, and potentially integrated into more sophisticated systems down the line? Shouldn't citizens have had a real say before drones began launching over our streets, rather than being informed post-launch? Public trust is built on transparency and genuine engagement, not retroactive briefings. I urge Durham residents to demand answers: full disclosure of deployment criteria, public access to flight logs, strict limits on data retention, and independent oversight to prevent overreach. Attend future sessions, contact your representatives, and voice your concerns. Our freedoms are not automatic—they require vigilance. The truth matters. Let's keep pushing for it, together, before this "pilot" becomes permanent reality.

63 Million Insults And Our Mayor Thanks Them...

63 Million Insults And Our Mayor Thanks Them... By Joe Ingino BA. Psychology Editor/Publisher Central Newspapers What is wrong with Oshawa.... It has got so bad that even the Generals Hockey Team management has publicly asked that fans bathe before attending games as some have complained that Oshawa fans stink. Even though management retracted the statement. It STILL STINKS. That they would make such a statement public in the first place... But they are not to blame as we do suck and we do stink... as how can any one thank GM for investing 63 million when they are responsible for our Oshawa’s economic demise. For the loss of over 30,000 good paying jobs. For the decay in quality of life in Oshawa. Not to mention the environmental mess they have left Oshawa. Yes, folks. “They Have Left”, as anyone that thinks GM has any influence on our local workforce as they once did... has to go get their heads checked. The days when GM workers could buy a house, a car a cottage and be able to send their kids to University are long gone. This recent announcement is a total insult to Oshawa and all it’s Citizens. Yet, we have our phantom Mayor drop to his media knees and thank GM as if they are doing something great for Oshawa. In reality GM use of the lands they so claim they own.... That they rightly pay taxes on. According to record. GM was awarded those lands for as long as they produce cars in Oshawa. Once GM pulls out or stopped producing cars. Those lands default back to the City of Oshawa. This means we the taxpayers own those properties that are worth billions of dollars. Unfortunately in many cases an equivalent price tag for environmental clean up goes with it. Then you ask. Why is GM tossing us a token.... Simple. GM by putting those lands as their ownership possess great financial gain. If they loose title. This means a loss to the company books. Not to mention the possibility of having to clean the polluted lands. It makes business sense to cut a cheque for a few millions to keep the status quo and keep draining Oshawa. No one can say that they are not producing cars. I can tell you one thing. Oshawa has no leadership. Thank God that Carter is not coming back. The danger is that if a guy like Titto as he is being groomed to replace “yes” man Carter with “Si” man Titto. We are in for the economical spiral of our lives. You can be assure our taxes will continue to skyrocket and our quality of life slip to new lows. You wonder... how can I make such bold statements... Well think of this way. Titto has sat on council for what 20 years. What has he contributed. I live in his ward. I have yet to see him in my office or at my residence. He does not even return phone calls. I am his City Newspaper and he does not return calls. Imagine how he treats the average taxpayer. In 2026 we need to clean out the old and bring in the new. Guys like Giberson, Kerr, Mckonkey, Neil don’t belong in politics as all they done for Oshawa is sit on their hands and contributed little or nothing. Giberson a third rate musician and before politics a dead beat. How can you expect anything. Kerr an actor... self professed teacher and Mckonkey a realtor... They are and were over their heads when it comes to dealing with million dollar decisions. Giberson and Kerr had 2 terms to clean downtown and they done nothing. If I am wrong. I publicly challenge them to prove me wrong by writing a letter to the editor with their accomplishments. Councillors like Nicholson, Chapman, Lee... They should have never been politics. Nicholson is distant voice that is not representative of the people of Oshawa. Chapman, should have done the honorable thing and retired. He is not management material and as his leadership qualities... I bring to question as he has done nothing to improve the quality of life in Oshawa. He should know better. As for Lee.  I am so disappointed. He has truly done nothing for his ward and he truly does not belong in politics. Then what is left. Gray and Marks. If we have to pick an incumbent for Mayor...and the choice is Titto vs Gray. My money is on Gray. As for Marks. He has potential but sits watching the political storms come and go and is restrained from making a difference. The one guy with potential... 62 Million, please ....

Canada’s Defence Strategy Is a Start — However, Parliament Must Finish the Job

Canada’s Defence Strategy Is a Start — However, Parliament Must Finish the Job by Maj (ret’d) CORNELIU, CHISU, CD, PMSC FEC, CET, P.Eng. Former Member of Parliament Pickering-Scarborough East Canada has released a new defence industrial strategy. It is ambitious. It is overdue. However, it will fail unless Parliament is prepared to confront the structural dysfunction that has plagued our defence policy for decades. I write this not as a commentator from the sidelines, but as a former Member of Parliament who sat on the defence committee and witnessed firsthand the recurring cycle of announcements, consultations, delays, cost escalations, and strategic drift. We have seen white papers come and go. We have seen procurement “resets.” We have heard promises of reform. The problem has never been the absence of strategy documents. The problem has been the absence of execution. The new strategy recognizes something fundamental: defence is no longer simply about purchasing equipment. It is about sovereignty, industrial capacity, and geopolitical credibility. It correctly links military capability with economic resilience. It acknowledges that Canada cannot continue to outsource critical security functions and remain strategically relevant. However, here is the uncomfortable truth: strategy without structural reform will simply produce another decade of underperformance. The Procurement Paralysis - During my time on the defence committee, one issue resurfaced constantly: procurement paralysis. Projects that should take five years take fifteen. Requirements are rewritten repeatedly. Risk aversion becomes policy. Accountability diffuses across departments until no one is responsible for outcomes. Canada’s allies move. Canada studies.- Meanwhile, the men and women of the Armed Forces wait. We ask them to deploy to Bosnia, Afghanistan and recently Latvia, patrol the Arctic, assist in domestic emergencies, and contribute to NATO reassurance missions. Yet too often we equip them with platforms at the end of their service life, delayed replacements, or capability gaps papered over by temporary fixes. No industrial strategy will fix this unless we tackle the governance architecture itself. Procurement in Canada remains fragmented among multiple departments, each with distinct mandates and incentives. Public Services prioritizes process integrity. Treasury Board prioritizes cost control. National Defence prioritizes capability. Innovation departments prioritize industrial benefits. Each objective is legitimate. Together, they often produce gridlock. If the new defence strategy is serious, it must be accompanied by a structural consolidation of procurement authority with clear lines of responsibility and measurable timelines. Parliament must demand quarterly reporting on delivery milestones — not aspirational targets, but actual equipment in service. Sovereignty Is Not a Slogan - The strategy’s emphasis on “Build–Partner–Buy” is sound in principle. Canada must build more at home. We must partner intelligently with trusted allies. We must reduce overdependence on any single supplier. However, sovereignty is not achieved by rhetoric. It is achieved by capacity. Do we have domestic ammunition production sufficient to sustain high-intensity operations? Do we have secure supply chains for critical minerals essential to advanced weapons systems? Do we have cyber resilience robust enough to withstand coordinated state-backed attacks? Do we have Arctic infrastructure capable of sustained presence? In too many cases, the answer is: not yet. - The war in Ukraine exposed Western ammunition shortages. The pandemic exposed supply-chain fragility. Cyberattacks on critical infrastructure are no longer hypothetical. And the Arctic is no longer geopolitically quiet. Canada cannot assume that allies will always have surplus capacity to compensate for our deficits. In a crisis, every country prioritizes its own national interest. That is not cynicism. It is reality. - NATO Commitments and Strategic Credibility For years, Canada struggled to meet NATO spending benchmarks. We debated percentages while capability gaps widened. The issue was never merely the 2 percent target. It was credibility. Alliances are sustained by contribution. Influence flows from commitment. When Canada underinvests, we reduce our voice at the table where strategic decisions are made. If we aspire to shape NATO policy, Arctic security frameworks, or Indo-Pacific engagement, we must demonstrate that we are serious. Defence spending is not charity to allies. It is an insurance policy for Canada. The Arctic Is the Test No region will test the new strategy more than the Arctic. Climate change is transforming northern geography. Shipping lanes are emerging. Strategic competitors are increasing activity. The Arctic is no longer a peripheral theatre. Canada’s sovereignty in the North must be exercised, not merely asserted. That requires: · Persistent surveillance · Modernized NORAD capabilities · Air defence and interceptor readiness · Naval presence · Infrastructure for sustained operations. Without these, sovereignty becomes symbolic. The defence strategy speaks of industrial growth and technological innovation. Good. However, those investments must translate into tangible northern capability. If ten years from now our Arctic posture remains under-resourced and reactive, the strategy will have failed. Parliament Must Reclaim Oversight - One lesson from my time on the defence committee is this: Parliament must be more assertive. Oversight cannot consist of occasional hearings and retrospective criticism. It must involve structured, ongoing scrutiny of timelines, cost escalations, industrial offsets, and capability delivery. We need: · Transparent procurement dashboards available to Parliament · Independent technical audits · Clear accountability for missed milestones · Protection for whistleblowers within the procurement system Without oversight, even well-designed strategies drift. - Defence as National Renewal There is also an economic dimension that Canadians must understand. Defence industrial capacity is not a sunk cost. It is a driver of innovation. Advanced manufacturing, aerospace engineering, cyber security, artificial intelligence, and quantum research — all spill over into civilian industries. Defence investment, properly managed, strengthens national productivity. For too long, Canada has treated defence spending as consumption rather than investment. That mindset must change. The Risk of Complacency The greatest risk facing the new defence strategy is not opposition. It is complacency. We have seen ambitious frameworks before. We have seen cross-party consensus evaporate. We have seen fiscal pressures redirect attention. We have seen projects quietly deferred. If this strategy becomes another binder on a shelf, Canada will drift further into strategic irrelevance. The world has changed dramatically in the past decade. The security environment is harsher. Great-power competition is more explicit. Technology is transforming warfare at unprecedented speed. Canada must adapt with equal urgency. A Final Word When I served on the defence committee, I was struck by the professionalism and dedication of our Armed Forces personnel. They do their duty without complaint. They operate with limited resources. They adapt continuously. The least Parliament can do is match that seriousness with institutional reform. Canada’s new defence strategy is a necessary beginning. But it is only that — a beginning. If we are serious about sovereignty, credibility, and national resilience, we must move beyond announcements and deliver structural reform. Strategy is easy. Execution is leadership. And leadership, at this moment, is what Canada requires most

Saturday, February 21, 2026

The Slow Death Of Something GREAT…

The Slow Death Of Something GREAT... By Joe Ingino BA. Psychology Editor/Publisher Central Newspapers ACCOMPLISHED WRITER/AUTHOR OF OVER 800 ,000 Published Columns in Canada and The United States What is it with humanity? No, matter what it is. The cycle of life is always the same. No matter the cause, purpose or other. Things come together for a common good and end up ruined, destroyed and or dead. I say this with great liberty due to the fact that if anything history lessons are our indicators for our future. The Mayan, the Inca, Roman Empire, Vikings and so on... Yet, we keep making the same mistakes time and time again. These mistakes come to fruition due to greed, ignorance and in many cases as Freud would assume a hyper extension of ego. The ego is the conscious, organized part of the psyche that mediates between unrealistic, impulsive desires (the id) and the moral constraints of reality (the superego). The superego is the ethical, moralizing component of personality in Freud's structural model, acting as an internal conscience that strives for perfection, guilt-free behavior, and societal conformity. With the understanding of these concept one can begin to appredicate failure in just about every system ever created by man. We as human have a flaw in our psychic. It is as if we set up ourselves to fail. Look at the history of the Internet for example. An electronic invention that revolutionized humanity. I remember in it’s early stages. NO, one had computers and even less internet. The technology was reserved for higher education and government institutions. I remember bringing the internet to Durham. I could not give it away. I approached all municipal government. They did not want it due to cost of updating their outdated computers. During the early days, there were no browsers and no social media. ICQ was one of the first communication platforms. People could actually chat in live time. The internet during those days was self governed. People acted with respect and with civility. There was no commercialism. All operated on dial up modems with limited bandwidth. Then came the introduction of very primitive browser. This opened the door to commercialism.  People would sell books, booklets and self help books. One of the first to appear online as a business was small companies like PayPal. Companies that offered the ability to make transactions over the internet. This flooded the internet with porn site for pay. Online casinos running illegally. With the sudden surge in commercial interest online. The Google, Yahoo and many other browsers began investing millions in the development of their browsers. Offering a platform for start up, home, and small businesses to sell their wares. Then the Amazon, Craig List and the like. This realization of being able to make millions if not billions was the begging to the end of the internet. Today, the internet is nothing short of a commercial public toilet. Flooded with all kind of tracking devices that produce millions of pop up windows offering you all kinds of merchandize. The once internet that self governed and a marble for human communications has become a social public toilet. Superegos - expressing all kinds of misinformation that set patterns of information controlled by governments through further misinformation. The old belief use to be. The most successful governments are those that can keep their population ignorant of the facts and fighting among themselves. The internet is such arena. Now compounded by a false labeled Artificial Intelligence. We are doomed, as there is nothing intelligent about an artificial system set by our ignorance. AI is nothing but a new browser. A browser that can compose information faster than any human. This is not intelligence. This is just a show of our ignorance. The internet is slowly coming to it’s end. Misinformation, over saturation of commercialism and the human need for interaction will soon deem the net absolete. AI should be best labeled Artificial Ignorance of the facts.

A Voice Before the Vote A Youth Perspective on Canadian Elections

A Voice Before the Vote A Youth Perspective on Canadian Elections By Camryn Bland Youth Columnist Canadian elections affect every citizen within our country, from a political activist to a non-voter adult to underaged teenagers. Whether or not an individual casts a vote, their decision has a lasting impact, whether or not it was intentional. Every vote counts, affecting our public laws, social rights, and much more. With upcoming municipal and provincial elections, I am left considering these politics, even if I am not yet at the age to vote. Many individuals choose not to vote, which is an unintentional political decision with consequences of its own. Choosing not to participate does not mean stepping outside of politics. Instead, it means allowing others to decide on your behalf. It is practically equivalent to voting for the most popular party in your region, even if you don’t align with their beliefs. When citizens stay home on election day, policies can shift in directions that may not represent the majority, strengthening extremes, reducing accountability, and implying that citizens are disengaged from important issues. In political elections, silence is one of the biggest statements, but in a way few people realize. Although every generation experiences a lack of voting interest, I believe it is most prominent in younger generations. Many young voters feel disconnected from our political systems, believing they are outdated or unresponsive to their issues. Young voices are rarely taken seriously, fueling the decline in political interest. Modern youth are often the most passionate about social change, yet they step away from politics because they feel unheard and misrepresented. Another reason young adults often step away from voting ballots is a lack of education in civic affairs. In high school, it is mandatory for grade 10 students to take half a semester of civic education, spanning about two months. In these months, students are taught the absolute basics of voting and major parties, however it doesn’t go in depth about the importance, major issues, or even party members. After that, high school provides no further opportunities to learn about politics, leaving individuals confused and uninterested. This often leads to a lack of voting or misinformed voting, as young people often mimic the actions, and votes, of those around them. Lastly, young people experience the feeling there is nobody to properly represent their values. Every level of government has different candidates and parties, however when it comes to provincial and federal elections, there are only a few options to choose from. From the major parties, it feels impossible to decide which party fits personal values the best, which is what decreases voting interest. What I'd expect, and what most other teenagers would expect from a politician is transparency, accountability, and priorities. I would want someone who listens and acts on what they hear, and who is willing to admit mistakes instead of avoiding responsibility. A good politician should focus on long-term solutions rather than the short-term popularity we see from many political figures today. Most importantly, I would expect them to genuinely care about the well-being of the people they serve, not just during election season when they think it will gain them popularity. One solution I know other countries have implemented is mandatory voting, especially on federal elections. This idea has many flaws, however I think it could prove beneficial if misinformation and educational issues are first combatted. This system would increase voting from all demographics, and create a system which includes the perspectives of many more individuals. However, it takes the opinions of those who have done no research or have no interest in our politics, making the system inherently flawed. Overall, I think the main solution to the issue with a low voter turnout, especially among young adults, is a lack of proper education. It can be difficult to understand politics in the maze of internet misinformation, especially without interesting civic classes in secondary schools. Young voters often see politics as something which they can not control, something that does not apply to them, or something that avoids their issues, causing individuals to lose interest.

Friday, February 20, 2026

What Does the Price List Actually Tell You?

Dead and Gone… What Does the Price List Actually Tell You? By Gary Payne, MBA Founder of Funeral Cost Ontario When someone dies, families often hear a new term very quickly. The price list. It sounds simple enough. A document with prices. Clear. Straightforward. But if I were gone, and my family was sitting across from someone reviewing a funeral home’s General Price List for the first time, I would want them to know this. A price list can be helpful. It just doesn’t tell the whole story. In Ontario, funeral homes are required to provide written pricing information. That matters. Families should not have to guess. The list outlines professional fees, transportation, facilities, vehicles, merchandise, and optional services. On paper, it looks organized. Almost clinical. Grief rarely is. Most price lists are divided into sections. There is usually a basic professional fee. There may be transfer charges. Preparation fees. Facilities and staffing for visitation or ceremony. Casket and urn options. Items most families have never purchased before and may never have thought about until that moment. If I were sitting with my family in that room, I would want them to understand something simple. Not every line on that page applies to them. A price list shows what is available. It does not automatically reflect what a family will choose. And that is usually where uncertainty starts to creep in. Two funeral homes may present similar looking documents, yet the final totals can differ. One may bundle services together. Another may separate them. One may include certain third party costs in its estimate. Another may list them separately. Without context, the differences can feel bigger than they actually are. If I could leave my family one practical suggestion, it would be this. Ask which items are required and which are optional. That question alone can change the tone of the conversation. If a family is choosing direct cremation, for example, many line items simply do not apply. There may be no visitation. No chapel service. No hearse. No cemetery coordination. Those services remain on the list because they are part of the funeral home’s full range of offerings, not because they must be selected. A price list is meant to inform. Still, in the middle of grief, even straightforward information can feel heavy. I would also want my family to know it is completely reasonable to take that document home. To read it more than once. To compare it with another. To ask for a written estimate that reflects the specific choices being considered, not just the full menu. No family should feel rushed to decide from a single sheet of paper. There is another detail families sometimes discover later. A funeral home’s price list may not include cemetery fees, clergy fees, obituary notices, or flowers. Those costs often sit outside the funeral home itself. If that is not explained clearly, the final number can come as a surprise. Clarity rarely comes from the document alone. It comes from asking questions and taking a little time. If I were gone, what I would want most is for my family to feel comfortable speaking openly about cost without embarrassment. Talking about money at a time like this can feel uncomfortable, but it does not diminish love. It simply helps prevent confusion. The purpose of a price list is not to pressure anyone. It is there to show what exists. What families choose from it should feel thoughtful, not hurried. Next week, I will write about something many families quietly wonder about after a death. What government benefits may be available, and how those programs actually work in Ontario.

Don’t let them scare you

Don’t let them scare you A Candid Conversation By Theresa Grant Real Estate Columnist Don’t let them scare you into overpaying! For quite some time now we have been in a full-blown buyers’ market. For some reason, currently, we are seeing bidding wars creeping in again. The last property that I collaborated on had a bidding war so to speak. There were two offers, ours being one of them. I strongly urged my clients not to pay more than the asking price because the property was priced well, but with so many properties on the market and many of them simply not moving, it seemed ridiculous to pay more than the actual value of the house. Some agents welcome this but in fact it is not good for either side. If you find yourself in a position of wanting to put an offer on a house be aware that the minute you put an offer on a house, the listing agent for that property fires off a blast notification to all parties who have booked a walkthrough of that property. The notification is to let them know that there is an offer on the property and if they would like to submit an offer as well, they need to do that now. The hope here is to create a bidding war. I find for the most part that unless the property has been viewed very recently by a few people, that there is generally no problem and no competition. If a property was viewed two weeks ago by someone and they have not yet put in an offer, chances are that they do not intend to. So, the notification they receive just goes into the deleted file. That notification, however, can rile some people into action and before you know it you are in a bidding war. That is when you really need to think about your personal needs when it comes to a new home for you and your family. The message here is clear. The market is saturated with houses that are not moving. If you are in the market this spring, you have a great opportunity to negotiate on any property you choose. Never fear that you will lose out if you don’t pay their price because there are more properties coming on the market every single day. Do not be intimidated and do not act in haste. What is meant for you will find its way to you.

By The Numbers

By The Numbers By Wayne and Tamara I need some clarification on something my husband has told the world, but first, a little background. We’ve been married four years, and he has cheated on me twice. They were separate affairs, each lasting less than a year. The first one we moved past by recommitting to each other. Well, at least I did. I was getting back to my old self, and we were going out on weekends canoeing, swimming, hiking, and bicycling. Shortly afterward I discovered the second affair. That one really threw me for a loop because he led me to believe things were getting much better. Then yesterday I saw him on a website I thought was a site for uploading pictures of family and friends. I learned it is a social networking site. On the website he lists his relationship status as “it’s complicated.” When I asked him what that means, he said I read too much into things. To me it sounds like “I am married but still available.” That doesn’t sit well with me. Now he is talking about us moving out of state away from my family. Does “it’s complicated” mean to him what it says to me? Daphne Daphne, the British psychologist Peter Wason conducted a revealing experiment. He gave university students three numbers—2,4,6—and asked them to tell him what rule they followed. Before they suggested a rule, the students were allowed to guess sets of numbers and ask if they followed the rule. A student who suggested 8,10,12 would be told those numbers follow the rule. If the student then offered 14,16,18 or 1,3,5, again they would learn those numbers follow the rule. At that point the student would guess the rule is each number is two larger than the previous number. But that is not the rule. If we tell you that 1,300,996 follows the rule, can you guess what it is? You’re right. The rule says each number must be larger than the one before it. What the experiment demonstrates is that human beings suffer from confirmation bias. We try to confirm our beliefs rather than trying to disconfirm them. That’s what you are doing with your husband. You think when he is nice to you he is recommitting to you. It appears more likely he is trying to keep you from calling a lawyer, telling his parents, or stopping his behavior. When he takes you out for the evening, he may be celebrating what he just got away with. Now he hopes to take you away from your support system, your family. Take a page from his book and do something without telling him. Contact the only person likely to solve your problem: a good divorce lawyer. Wayne & Tamara Benched For four months I sporadically dated a woman I know from church. I fell in love with her. When I told her how I felt, she said she wasn’t ready yet. She felt I lacked self-confidence and that made me less attractive. But she became interested again when she learned I was going to meet someone else at church. She asked if I would come by her house later that week. We had a great time, and the night ended with a passionate kiss or two. Maybe three or four, I lost count. She says God has put three great men in her life, and I am one of them. She feels I am a different person now, and she is awaiting clarity on what to do next. However, when I asked her out for this weekend, she said she is going to the lake for the weekend with one of the other two men. Should I continue the relationship or move on? Greg Greg, you’re not a starter on her team. You’re second- or third-string. If you want playing time in the romance league, find another woman. Wayne & Tamara

Most Resumes Do Not Fail Screening. They Fail Trust.

Most Resumes Do Not Fail Screening. They Fail Trust. By Nick Kossovan The crux of all hiring decisions comes down to one word: trust. AI, combined with a growing number of malicious actors in the job market, has eroded trust between employers and job seekers, an issue that is worsening. Today, everyone's resume looks great. Same buzzwords. Same frameworks. Same: "I managed," "I built," "I scaled." Miraculously, every candidate is strategic, results-driven and cross-functional. With AI, it is easy to create a slick veneer of tripe, filled with buzzwords from the job posting, at best, making hollow promises. Most job seekers, especially bad actors, focus on looking smooth. In contrast, savvy job seekers focus on presenting evidence—quantifying their impact on their employer's business (read: profitability)—to build trust. ATSs and, to a large extent, humans struggle to distinguish between effort, outcomes, and mimicking the job posting; therefore, hiring managers and recruiters seek job seekers who do what most don't: quantify, with numbers, the friction they caused in their previous employer's business. What does "Led a team of inside sales reps to achieve sales quota" mean? What value does this sentence offer? Does it build any trust or credibility? The same for: · "Managed and maintained the organization's social media accounts to strengthen Wayne Enterprises' online presence." · "Managed the team calendar." · "Handled customer inquiries." · "Filed reports." · "Supported sales and marketing efforts." · "Improved office efficiency." · "Hard worker with a go-getter attitude." (Isn't every jobseeker?) These sentences list duties and opinions ("Employers don't hire opinions; they hire results") instead of what employers want to see: your accomplishments (read: results). Moreover, they fail to answer the critical "so what?" question. Hiring managers and recruiters aren't asking, "Is this candidate impressive?" They're asking, "Can I trust this person to deliver the results we need?" Most resumes and LinkedIn profiles don't fail screening. They fail trust. A highly effective job search strategy is to concentrate intensely on demonstrating to recruiters and employers that you are results-oriented. Candidates who come across as trustworthy, result-driven, and reliable, and who aren't afraid to own their results, are the ones employers swoon over. A common job search myth, perpetuated by a sense of entitlement, is that one's experience, which is subjective, speaks for itself. It doesn't. Experience only holds value for an employer if the person with the "experience" can be trusted to produce measurable results. Job seekers need to understand that hiring doesn't occur in a reflective environment that gives a job seeker, who's a stranger to the hiring manager, the benefit of the doubt. Hiring occurs under pressure. Resumes and LinkedIn profiles are rapidly scrutinized for evidence of impact at prior employers. When a resume or LinkedIn profile doesn't provide evidence of impact, it becomes, without a second thought, a "No." Hiring isn't mysterious, as many would like you to believe, especially those who benefit—make money—from you believing it is. It's layered. The first layer is answering the question every hiring manager asks themselves when scanning a resume: "What has this person achieved?" If what you've achieved leads the hiring manager to think, "[Name] could be someone we can use here," then the candidate moves on to the second layer, determining whether you can be trusted. AI or not, resumes never tell someone's full story. As I pointed out at the beginning, the job market abounds with bad actors and job seekers who exaggerate or outright lie about their experience and qualifications, or whose behaviour (personality traits) isn't conducive to being an employer's ideal employee. Nowadays, employers understandably seek a comprehensive view of a candidate, so they: · Google the candidate—check their digital footprint (read: behaviour)—and review their social media activity (articles, blogs, comments, posts), especially on LinkedIn, to determine whether they're interview-worthy. Does the candidate's online presence raise any questions? Are they associated with (written, commented on, reposted) any industry- or profession-related articles or blogs? What charitable activities do they engage in? Do any illicit or questionable activities appear? · Look them in the eye, listen, and observe how they communicate during the interview. Speaking for myself, a lack of communication skills—the ability to articulate with confidence—is a non-negotiable requirement when I hire. The way a candidate communicates with me—I'll also ask candidates to write something to gauge their written communication skills and how they think (writing is thinking)—is how they'll communicate with customers, prospects, and their colleagues. "The ability to communicate is critical to building relationships, to leadership, and to learning." Sheryl Sandberg, American technology executive, philanthropist and writer. · Ensure the applicant can walk their talk by asking them to take an assessment test or complete an assignment. I've lost count of how many candidates I've interviewed who talked a good game but didn't pass an assessment or submit a subpar assignment. Resumes and LinkedIn profiles have always contained a great deal of fluff, embellishments, and falsehoods. As employers grow increasingly weary of job seekers' claims, the core issue job seekers face is communicating their value in a few seconds and convincing employers they can be trusted. Job seekers who empathize with employers, have trust issues, and therefore focus on building credibility to gain trust will be far ahead of their competition.

Opinion: Municipalities need economists, not just accountants

Karmageddon By Mr. ‘X’ ~ John Mutton CENTRAL EXCLUSIVE Opinion: Municipalities need economists, not just accountants Municipal governments in Ontario are widely regarded as financially disciplined. Balanced-budget requirements, strong audit practices and conservative debt management have created a culture of fiscal caution. That discipline has value. But in an era defined by housing shortages, infrastructure pressures and constrained revenue tools, caution alone is no longer sufficient. Most municipalities structure their finance departments around accounting expertise. Treasurers and chief financial officers are typically trained in audit compliance, financial reporting and budget administration. Their mandate is to ensure that spending aligns with revenues, that reserves are properly allocated and that statutory requirements are met. These functions are essential. But they are not economic modelling. Accounting is, by nature, retrospective. It records and categorizes what has occurred. Economic modelling, by contrast, attempts to forecast behavioural responses to policy decisions. An accountant asks whether the budget balances. An economist asks what will happen if a variable changes. The distinction matters. Municipal councils today are routinely making decisions about development charges, property-tax rates, infrastructure financing and long-term debt issuance. These decisions influence housing supply, business location, migration patterns and assessment growth. They shape the local economy for decades. Yet many municipalities approach these questions primarily through an accounting lens. Consider development charges. When rates are increased to fund capital projects, the financial logic is straightforward: growth should pay for growth. But what is the elasticity effect? At what point do higher charges suppress housing starts? How does that affect long-term assessment growth? Could a lower rate generate higher total revenue over time? These are economic questions. They require modelling. The same applies to property-tax policy. What level of increase begins to influence business investment decisions? How sensitive are commercial properties to tax differentials across municipal borders? How do households respond to cumulative cost pressures? Without economic forecasting, councils risk making technically balanced but economically inefficient decisions. The consequences are rarely immediate. A budget can be balanced while housing starts decline. Debt ratios can appear manageable while assessment growth slows. Tax rates can rise incrementally without recognizing the point at which competitiveness erodes. Over time, however, these effects compound. Senior levels of government routinely integrate economic modelling into fiscal policy decisions. Provincial and federal ministries publish forecasts, stress-test assumptions and examine behavioural impacts before implementing major changes. Municipal governments, which now manage increasingly complex infrastructure and growth mandates, should do the same. This does not mean replacing treasurers with economists. Accounting discipline remains indispensable. But municipalities would benefit from institutionalizing economic expertise alongside traditional finance functions. An in-house municipal economist – or a formalized economic modelling unit – could evaluate development-charge sensitivity, tax elasticity, infrastructure return on investment and long-term debt sustainability under varying growth and interest-rate scenarios. Major fiscal decisions would then be informed not only by compliance requirements, but by forward-looking analysis. Ontario’s municipalities are being asked to grow faster, build more housing and maintain affordability, often with limited fiscal tools. In that environment, optimizing spreadsheets is not enough. Municipal governance must evolve from budget management to economic strategy. Balancing the books is necessary. Modelling the future is essential.

Saturday, February 14, 2026

When Common Sense Goes Up in Flames

When Common Sense Goes Up in Flames Common Sense Health – Diana Gifford-Jones By any measure, what happened in Switzerland a couple weeks ago is a human catastrophe. A room filled with young people full of promise was turned into a scene of lifelong grief. Families shattered. Futures erased. Survivors left with horrible scars. Authorities will do what they must. Investigators will trace the ignition point. Building inspectors will scrutinize ceiling materials, fire exits, sprinkler systems, and renovations. Prosecutors will decide whether criminal negligence was involved. All of this matters. We should insist that regulations are enforced, and that those who ignored them are held accountable. But more troubling than regulatory failure, this was also a failure of common sense. That night, someone thought it was a good idea to set off flaming champagne sparklers in a crowded, enclosed space. Not outdoors in open air. But inside, with people packed shoulder-to-shoulder. That decision set in motion consequences that will echo for decades. And the truly chilling truth is this: it will happen again. After every nightclub fire, warehouse inferno, or stadium stampede, we say “how could anyone have allowed this?” And yet, it happens again. Because novelty and spectacle overpower judgment. Because risk feels theoretical. We like to think safety is something others provide. But real safety begins between our ears. When was the last time you didn’t do something because your analytical internal voice said, “This isn’t smart”? A snowstorm is rolling in. You’ve been waiting months for that weekend getaway. The hotel is booked. The car is packed. Do you pause? Or do you say, “We’ll be fine” as icy roads turn highways into high-speed skating rinks? Your smoke detector hasn’t chirped in years. You can’t remember the last time you changed the battery. You assume it’s working. There’s no carbon monoxide detector in the house. You’ve meant to buy one. But it keeps getting bumped to next weekend. Your barbecue sits against the siding of your home. You know embers can blow. You know vinyl melts. But you’ve done it a hundred times without incident—so why move it now? Your phone buzzes while driving. You glance down. Just for a second. These are not rare behaviors. They are risks that get normalized. Most of the time, nothing happens. And that’s what makes them dangerous. The tragedy in Switzerland was not caused by mystery physics. It was not an unforeseeable freak accident. Fire and sparks in confined spaces have been setting buildings alight since long before electricity was invented. Every firefighter knows it. Building codes reflect it. Insurance companies price it. So what possessed someone to light flaming devices indoors? The answer is brutally simple: the same human instinct that tells us, “It’ll be fine.” The heartbreaking reality is that many of the victims in Switzerland were young. They did not light the flame. They were simply there, trusting. If there is anything to be salvaged from grief on this scale, it is a renewed commitment to thinking ahead and to pausing in the moment. The families of victims are living with terrible grief. Our hearts are with them. But sympathy is not enough. If we truly honor the victims, we must change how casually we flirt with danger. I’ve written about fireworks before, and I am not a fan. It is beautiful what they do in the night sky with ever more sophisticated displays. But without caution and common sense, there will be more horrible accidents. In celebrating life’s joys, let’s choose to marvel at the things that will keep us alive, not make us dead.

Dead and Gone… So What Does It Actually Cost?

Dead and Gone… So What Does It Actually Cost? By Gary Payne, MBA Founder of Funeral Cost Ontario When someone dies, the first day is about shock, phone calls, and trying to understand what just happened. Very quickly after that, another reality shows up, whether families are ready for it or not. Questions about cost start to appear, sometimes quietly, sometimes all at once. If I were gone, I would want my family to know that this is normal, and that feeling uncomfortable talking about money at a time like this is something almost every family experiences. This is not always an easy topic to talk about. Cost and grief do not belong together, but in reality they often meet very quickly. I hear this from families across Durham more often than people might expect. If I were gone, I would want my family to understand that price differences are common, and that they do not automatically mean something is wrong. When families first start asking about cost, this is usually where the conversation begins. In Durham Region, direct cremation is often one of the lower cost options families consider. In many cases, families may see prices starting somewhere in the lower thousands, but that number can change depending on timing, transportation, paperwork, and third party fees. Some providers include more services in their base price, while others separate them into individual line items. That alone can make two quotes look very different even if the final service feels similar. As families begin looking at other types of arrangements, costs usually increase simply because more is involved. Traditional burial or full service funeral arrangements often include visitation, staffing, facility use, vehicles, and coordination with cemeteries or churches. Cemetery costs in particular can vary widely depending on location, availability, and what is selected. That is why families sometimes see a total price that is several thousand dollars higher than what they expected when they first started asking questions. One thing I would want my family to know is that funeral homes do not control every cost. Crematorium fees, cemetery fees, clergy or celebrant fees, and government paperwork costs are often outside the funeral home itself. If one estimate includes those items and another does not, it can create confusion. It can feel like one provider is dramatically more expensive when in reality the quotes are simply structured differently. Timing can also matter more than people expect. After hours transfers, weekend arrangements, or urgent timelines can affect cost. Some providers build flexibility into their base pricing. Others only add charges if those services are needed. Neither approach is automatically better, but families deserve to understand how pricing works before making decisions. Many families I speak with are surprised by how normal it is to ask for written estimates and to take time to review them. There is no rule that says decisions must be made in a single conversation. If I were gone, I would want my family to feel comfortable asking for information in writing and taking a day to talk together before making final choices. If I could leave my family one practical piece of advice about cost, it would be this: ask which costs belong to the funeral home, and which costs are paid to someone else. That one question often makes quotes much easier to understand. I would also want them to remember that lower cost does not automatically mean lower care, and higher cost does not automatically mean better service. What matters most is whether the family feels supported, informed, and comfortable with the decisions they are making. These conversations are not about finding the cheapest option. They are about understanding choices clearly enough to make decisions without pressure or confusion. During grief, clarity matters more than anything else. Next week, I will write about something families often hear about but rarely understand clearly before they need it: how price lists work, what they are supposed to show, and how families can use them to compare options more confidently. ​

RRSP vs TFSA vs FHSA

RRSP vs TFSA vs FHSA By Bruno Scanga Financial Columnist Which investment option is best for you! When it comes time to decide which mix of savings is best for you, your options can look quite confusing. There are registered retirement saving plans (RRSP’s) Tax free saving accounts (TFSA’s and First Home Buyers saving accounts (FHSA). Establishing which plan or combination of plans works best for you depends on your own personal, goals and financial situation. RRSP’s, TFSA, s FHSA’s Most Canadians hold RRSP’s where they can claim deduction and then the deferral of tax until they withdraw funds at retirement. RRSP’s have numerous other benefits and as Canadians many do not use these upon reaching retirement. Something you may wish to discuss in your preretirement years. The introduction of TFSA has provided another powerful saving tool that allows investments to grow tax free with the opportunity to withdraw funds when need. This does have some restrictions if funds are withdrawn same year of contributions. The withdrawal of TFSA can create costly penalties if funds are repaid to quick. First Homebuyers saving accounts FHSA is the newest registered plans that gives first time home buyers the opportunity to invest up to $40,000.00 in a lifetime for the purchase of a first homeowner tax free basis. This plan be open if you are over the age of 18. This plan is a great tool for grandparents that wish to help kids and grandkids with saving for a first home. Ask a qualified investment advisor how to arrange suggest a plan. Like RRSP contributions are tax deductible and withdrawals for the purchase of a new home are non taxable like a TFSA All plans have limits and maximum contribution limits, and you should always confirm your contribution limit in you CRA my Account. Before making contributions discuss your options with a qualified investment advisor to ensure you are in vesting in plans that follow your risk tolerance. Simple planning gets you where you need to go never chase the larger returns can bring larger loses.

The Politics in a Paintbrush The Power of Political Art Within our Society

The Politics in a Paintbrush The Power of Political Art Within our Society By Camryn Bland Youth Columnist Art is integrated into nearly every aspect of our society, from the clothes we wear to the movies we watch and the music we listen to. Over time, the history of art has evolved, however the purpose has stood consistent. Historically, art has been used to express emotion, illustrate global issues, and highlight an important event. Regardless of the format, style, or intention, there is one common theme which has always been prominent within the arts: political intention. Regardless of the genre or medium of art, every piece created makes a statement. An attractive landscape says something about beauty and peace, while professional portraits make a comment about power dynamics and hierarchy. Even abstract art speaks of atypical interpretation and works to challenge normality. All these forms are political, not because they focus on government itself, but because they engage in society, power dynamics, and social ideals. A piece does not need to revolve around a political system itself, but to question the systems and everyday influences which govern our individuality. Although all art contains political meaning, this can be expressed in many different ways, both upfront and more symbolic. Committed art presents an obvious, evident meaning to the viewer, often addressing themes regarding environmental issues, societal pressures, and social justice. This contrasts with avant-garde art, which pushes boundaries but may not have a clear meaning. Avant-garde art includes more room for personal interpretation, asking the viewer questions which may otherwise be ignored. Both styles leave viewers questioning our society and its systems, which is what makes the politics in art so significant. Arthur Miller's The Crucible, first published in the 1950s, is a powerful example of political art. Through the play, Miller tells the story of the Salem Witch Trials, while commenting on the Second Red Scare and political fear in his time. The warnings and morals are clear, making it a piece of committed art, while continuing to be an interesting and entertaining play. Modern films and books have an equal political meaning, some more obvious than others. For example, the fictional nation Panem from The Hunger Games is not just a fictional world, but a society which reflects some of the most dystopian ideas which we have today. This includes extreme inequality, political control, and misinformation. Despite the light-hearted mood, the 2023 Barbie movie is another strong example, as it reached the hearts of countless people by highlighting misogyny and sexism still prevalent today. Even less obvious media, such as superhero movies, talk of helping those with lower socioeconomic status, supporting refugees, and fighting against inequality. The halftime show at the 2026 Superbowl shows the power of political activism through artwork. Bad Bunny, a Puerto Rican singer, performed at the halftime show, a performance that upset millions of football fans. Despite the resistance, Bad Bunny used this platform to promote his message of equity and peace, displaying messages such as “the only thing more powerful than love is hate.” His performance inspired countless individuals to stand up for what they believe in and fight for social justice. When discussing art, it is important to understand the wider scope of the influence. Art is not just classical paintings of flowers or ancient sculptures, but also the fashion we wear and the songs we hear. Every art piece of it says something about our society, and about who we are as individuals. In the wrong hands, art can be used as propaganda to lead the misinformed or to spread hate, however it can also be used to fight against this exact corruption. The right paintbrush, guitar, or script in the right hand can be a powerful weapon against injustice worldwide. Art is a universal language of protest, of change, and of love, and it has been used as such for thousands of years. One good painting can touch our hearts, souls, and entire nations.