Death & taxes and how do es it Mix?

Death & taxes and how do es it Mix? By Bruno Scanga Financial Columnist It is often said that only two things in life are certain: death and taxes. What is less commonly understood is how closely the two are linked. In Canada, a deceased taxpayer’s assets are treated as if they were sold at their fair market value (FMV). For high-net-worth Canadians, this deemed disposition can mean that taxes owing at death can reach into the millions of dollars. Without proactive planning, these liabilities can reduce the wealth passed to family members, beneficiaries disrupt businesses and force the sale of cherished assets. You and financial advisors should be reviewing your wealth transfer strategies and overview of the tax implications that arise upon death in Canada, This review should be done a minimum once a year and highlights planning strategies that can help reduce or defer taxes. Considerations should be given to TAXES AT DEATH The executor’s role and why advisors matter TAX TREATMENT OF ASSETS AT DEATH for Non-registered investments Registered Retirement Savings Plan (RRSP) Registered Retirement Income Fund (RRIF) Pension plans Tax-Free Savings Account (TFSA) Registered Education Savings Plan (RESP) Registered Disability Savings Plan (RDSP) First Home Savings Account (FHSA) Real estate personal and investment Private company shares Corporation ownerships A continue review will make the transfer and transition of your financial affair easier and much cost effective for your family

WRONG EXAMPLE

WRONG EXAMPLE By Wayne and Tamara I think I'm in a tight spot. My older brother is married with two young children. He was caught having a little Internet fling a few years ago. Nothing happened, but I suppose the correct way of putting it is he emotionally cheated. He felt like crud, and we all thought he had put this behind him. He and his wife have been to counseling, and he did his best to be the best husband ever. Currently they're tense whenever they are together. You can cut the air with a knife, and it seems they are always ready to snap at each other. It's not easy to be around them. My brother and I went to lunch today. Lately he's been constantly texting on his device, and today it lit up with a text. I glanced at what he was typing, thinking it was business. I saw him type, "So u say u like to role play. Tell me…" I stopped and looked at the ground. I got a sick feeling in my stomach. So now, what do I do? I really don't think he was texting his wife. They're not sexual or warm toward one another, and even if they were, he would know her likes by now, right? It's a new girl. Got to be. Do I tell my fiancée, who is friends with my sister-in-law? Dennis Dennis, will you share your thoughts and events of the day with your life partner? Or will you compartmentalize what you say to her? Your brother's marriage has reached a point where he is leading a second life away from his wife. That's not because it doesn’t concern her, but because he has become a double agent. Such a divide is always present with two people who don't belong together. You know what is right in a relationship. You saw a wrong happen, and you are affected by it. Your fiancée is also likely to be affected by it. By all means share what you saw. With her you want the closeness, love, and trust which is missing from your brother's marriage. Wayne & Tamara Sticks And Stones I am newly remarried and recently my husband compared a part of my body to his ex-wife, who I will call X. We were fooling around, and he grabbed my breast and said, "Nice, but X's are bigger." I freaked. I flipped him out of his chair, kicked him, and pushed him down the hallway, hitting and screaming at him. Last time I had that much anger and acted like that, I was in my 20s, angry at my first husband, and alcohol was involved. I feel bad I hit him and have made an appointment for counseling. My husband has apologized, but now I am thinking he must still be thinking of his ex, since he mentioned her body parts like that. I was not previously jealous, but now I am. He has to maintain a relationship with her as they have a young child together. I am attractive, and she is fat and not very pretty. Should I just drop this? Maybe I am making a big deal out of nothing. Staci Staci, the old line about sticks and stones is false. Words do hurt, especially from a loved one. The real story is your feelings toward his ex-wife. In marrying him, you became her hostage. She is a cash and time drain on your marriage. Their child is a reminder of their sexual relationship. Even though you both have a past, you have to wonder, what did he do with her? How do I compare? The issue to explore in counseling is the basis of your gut reaction. Love, not looks, is the real basis for comparison with the ex-wife. If you and your husband share the deep emotional connection which holds two people together, there is nothing to worry about. Wayne & Tamara

The Right Attitude Helps with a Fractured Hip

The Right Attitude Helps with a Fractured Hip Common Sense Health – Diana Gifford-Jones No one wants to get that call. A loved one has taken a fall. There’s always the hope that it will be just a bruise and shaken confidence. But when the ensuing emergency treatment confirms a fractured hip, it’s time for everyone to bring out their best skills in patience. Falls are, unfortunately, very common. But their consequences are anything but trivial. Research published in journals such as the Journal of Bone and Mineral Research and the New England Journal of Medicine has long shown that a hip fracture in later life is no walk in the park. Yet, the major risks associated with hip fractures are well known, and medical teams are trained to mitigate the ones that can cause problems while in the hospital. Hip fracture surgery has risks, but today, most people come through it. Roughly four in five older adults survive the year following a hip fracture. Few will return to their previous level of mobility and independence. But a hip fracture today is not what it was forty years ago. Dr. Mary Tinetti, Professor of Medicine at Yale University School of Medicine, has spent a career studying why people fall. One of her observations is that it is often the more active, capable older adult who sustains the most serious injuries. They move more quickly, take more chances, and neglect preventative measures. Falling, she argues, is rarely due to a single cause. It is the result of small changes accumulating over time. Vision becomes less reliable. Balance is easily lost. Medications interact. Muscles lose strength. Some falls are preventable. The edges of rugs are a hazard, as is poor lighting. Showers, even with grab bars, are slippery places. Preventing a fall means slowing down so that every movement is a safe and steady one. But even with care, falls still happen. The evidence of many studies shows that frailty, rather than age, is the key determinant of rehabilitation outcomes. So whether before, for prevention, or after a fall, for recovery, exercise is critical. That’s why physiotherapy is standard practice for post-operative treatment. At any age, but particularly after 50, experts agree that people should be engaged in resistance training 2-3 days a week, aerobic exercise at least 3 times a week, and balance training just as frequently. Having professional physiotherapists to guide a program of exercise is ideal. Left to their own devices, people fail to do what’s good for them. In the U.S., large-scale surveys show that even after encouragement, about 80 percent of people don’t meet the guidelines. Getting started isn’t hard. Experts say that standing on one foot, then the other, while doing the dishes is one place to start. Slowly standing and sitting without using the arms is another good exercise. But here’s interesting news. In a longitudinal study of nearly 700 people who experienced a fall, researchers found that mindset matters. Independent of other important factors such as age, gender, and pre-fall physical function, people with positive self-perceptions of aging had significantly better outcomes as measured two years after their fall. In sports psychology, there is an expression, “The body achieves what the mind believes.” Athletes understand. Kids too. It’s just the older set that needs to internalize this. So patience, but resolve, if you are the unlucky victim of a fractured hip. It’s a long road to recovery, but with careful and consistent exercise, and a healthy outlook, you can ensure your place in the group of people who come through the trauma.

The Day We Stopped Answering the Knock

The Day We Stopped Answering the Knock By Dale Jodoin Columnist It did not happen all at once. No one woke up and said, “That’s it, I don’t care anymore.” It came in small moments, quiet ones, the kind you almost miss. Like standing at the grocery checkout. The screen lights up. It asks for a donation. You pause. You think. You look at your cart like it might answer for you. Then you press “no.” Not fast. Not angry. Just tired. You glance around for a second after, like someone might have seen. No one did. Or maybe they did and just understood. That is where the story really starts. A few years ago, most of us would have said yes. A dollar. Five dollars. Maybe more if we could. It felt like part of who we were. You help where you can. You do your part. That part of us is still here. But life has changed. Walk through any store now. People are not browsing. They are calculating. You see it in their faces. They pick something up, check the price, then put it back. A man holds two packs of meat. He only takes one. A woman counts coins before she taps her card. A young worker checks his bank app before he pays. No one says a word. But everyone understands. Money is tighter than it has been in a long time. Food costs keep rising. Every week it feels higher. Rent keeps climbing too. For many people, it is not just hard, it is overwhelming. You pay it, and there is not much left. Young people feel it the most. They are trying to start their lives, but it feels like the ground keeps moving. Jobs are harder to find. Good jobs feel out of reach. Some move back home. Some take whatever they can get. Some just keep trying and hoping something opens up. And in the middle of all this, the tasks keep coming. Charities call. Emails pile up. Ads show up online. The bank asks. The store asks. There is always another cause, another need, another voice asking for help. At first, people try to keep up. They give a little here, a little there. They tell themselves it still matters. Then reality hits. A bigger grocery bill than last week. A rent increase. A payment that suddenly hurts more than it used to. That is when something shifts. You start saying no more often. Not because you want to. Because you have to. And here is the part people do not say out loud. Some of us have started avoiding it on purpose. We tap faster at the machine. We look away from the person with the clipboard. We scroll past the story that asks for help. Not because we do not care. Because we cannot carry one more thing. That is when the guilt creeps in. You feel it when you walk past a donation box. When you skip a fundraiser. When you ignore a message asking for help. You tell yourself, “Next time.” You tell yourself, “When things get better.” But next time I keep moving further away. After a while, something else happens. You start turning the volume down on that feeling. You have to. Because caring like that, all the time, costs something. It costs energy. It costs peace. It follows you home and sits with you when you are trying to rest. So you quiet it. From the outside, it can look like people stopped caring. That is not what is happening. People are trying to stay afloat. You cannot be generous when you are scared. Picture someone in deep water. They are not thinking about saving everyone else. They are trying to keep their own head above the surface. That is where a lot of Canadians are right now. And here is the hard truth. The more people are pushed, the less they can give. When every moment feels like another ask, another reminder, another weight, people do not open up. They close off. They protect what little they have left. Money, yes. But also their energy, their peace, their sanity. There is another side to this that makes it even harder. We still spend on small things sometimes. A coffee. A treat. Something to feel normal for a moment. Then later, we look at the bill and wonder if we should have said yes to that donation instead. That back and forth sits with people. No one talks about the moment caring starts to feel like pressure. But it is happening. There is also the question people keep to themselves. They look at what they pay in taxes. They hear about spending, programs, and promises. They are told more is needed. But their own lives are getting tighter, not easier. So they ask, quietly, where is it going? Why does it feel like it is never enough? Those questions hang there. And still, the tasks keep coming. This is where the warning lives. If we keep pushing people who are already struggling, we risk losing something deeper than donations. We risk losing trust. We risk wearing down the very instinct that made people want to help in the first place. Because generosity is not endless. It needs room. It needs stability. Right now, many people have neither. They are not bad people. They are not selfish. They are tired. They are stretched thin. They are doing everything they can just to hold their own lives together. We still care. We just ran out of room to carry it all. If we want that caring to come back strong, we have to let people stand again first. Ease the pressure. Give people room to breathe. Because when people feel steady again, they will give. They always have. But here is the part we should not ignore. Some people have already stopped answering the knock. And that number is growing. That is the warning. Because when people stop answering, it is not loud. It is quiet. Quiet enough that no one notices at first. Until one day, the knock is still there. But no one opens the door.

When Good Intentions Go Wrong

When Good Intentions Go Wrong The Bike Lane Problem in Bowmanville There’s a difference between smart infrastructure and ideological infrastructure. Right now, in parts of downtown Bowmanville—particularly corridors like Liberty Street and King Street East—we’re not seeing thoughtful planning. We’re seeing the forced application of a one-size-fits-all policy that ignores the physical realities of the road. Let’s be clear: this is not an argument against cycling. Cycling infrastructure, when done properly, improves safety, reduces congestion, and enhances communities. But when it’s forced into corridors that were never designed to accommodate it—by stripping away existing traffic lanes—we create the opposite outcome: congestion, driver frustration, and, ironically, new safety risks. What we’re witnessing is a classic case of policy over practicality. Downtown Bowmanville is not a wide, multi-lane urban grid. It is a constrained, functioning corridor that already balances commercial access, parking, deliveries, and commuter traffic. Removing a live traffic lane in that environment doesn’t “calm traffic”—it compresses it. The result? - Increased bottlenecks - Reduced emergency response efficiency - More aggressive driving behavior due to congestion - And in some cases, greater risk for both drivers and cyclists There is a better way—and it already exists. Across Europe, municipalities have moved toward dedicated, off-road cycling networks wherever possible. These are: - Physically separated from vehicular traffic - Integrated with parks, boulevards, and secondary corridors - Designed for safety without compromising primary road function. This is not theory. It’s proven. Instead of forcing bike lanes onto already constrained arterial roads, municipalities like Clarington—and across Durham Region—should be asking a simple question: Where can cycling infrastructure be built properly, not just conveniently? That means: - Leveraging hydro corridors - Utilizing parkland connections - Creating parallel cycling routes off main streets - Designing infrastructure that works with traffic, not against it Because good planning isn’t about checking a box—it’s about outcomes. Right now, the outcome in parts of Bowmanville is clear: more congestion, more confusion, and a growing disconnect between policy and lived experience. If we actually care about safety—for cyclists and drivers alike—we need to stop forcing infrastructure into places it doesn’t belong and start designing it where it does. That’s not anti-cycling. That’s just good planning.

Dear Fellow Canadians

Dear Fellow Canadians By Bruno Scanga Financial Columnist According to Statistic Canada, over $10,000,000,000 was donated from 5,000,000 Canadians to charity in 2019. All these donations are eligible for a non-refundable tax credit. By using Life Insurance, you can increase your overall charitable donation benefiting a cause that really means something to you. Donating funds to the Canada Revenue Agency through taxation just doesn’t provide the same legacy. Enhance Your Charitable Giving Using Life Insurance Below are two structures that allow you enhance your donation to the charity of your choice and potentially pay less tax. Personally Owned Life Insurance: Purchase a Life Insurance policy where you are the owner/payor of the policy with your chosen charity as the beneficiary. Policy growth is tax-free increasing your overall donation. When you die the charity receives the death benefit tax-free. Your estate receives a tax credit of up to 100% of net income for both the year of death and the year immediately preceding it. You have access to the cash value during your life as the owner of the policy. Can change the beneficiary at any time. Charity owned Life Insurance: Purchase a Life Insurance policy and make the charity the owner and beneficiary. You pay the premiums. Every year you receive a tax credit in the amount of the premium paid. Maximum donation credit is 75% of net income per year while living. Unused credits can be carried forward up to 5 years. Charity has access to cash value and they control the policy. Using Life Insurance, you have enhanced your charitable contribution by 33.42%. The option you choose is dependent on your income tax situation and where you want to use the non-refundable tax credit (annually or at the time of death). With both options, the legacy that you can provide a charity has been significantly increased. If this is something that resonates with you, please reach out to discuss enhancing your legacy.

Practicing Water Conservation

Practicing Water Conservation by Larraine Roulston ‘Protecting Our Ecosystem’ After reading that the Colorado River is experiencing severe low water levels, it’s a reminder that Canadian waters need our safeguarding. If you haven’t already begun, by making small changes to conserve water in your home, your water bills will be lower as well. The family chefs can become water efficient when rinsing fresh produce. Place these foods in a bowl of water rather than running the tap. Add a little salt or vinegar and let the vegetables sit for several minutes to help remove pesticide residue. Vegetable stock that is used to create soups can also be poured over oats to make porridge or used to boil rice. Save pasta water to thicken soups. Allow frozen foods to thaw in the fridge rather than immersing them in running water, unless the instructions on the package state otherwise. Run your dishwasher when full. If washing dishes by hand, rinse them first in a bowl of warm water to keep your soapy water clean and hot. Soak sticky pots and pans overnight. Cooking with a steamer or pressure cooker uses less water than boiling veggies in a pot. Place a jug of water in the fridge so that you don’t have to run the tap for a cold drink. Aerators can be installed on faucets. They will mix air with water which reduces the flow rate without water pressure being compromised. Be on the lookout for leaks and dripping pipes. Opportunities also exist in the bathroom by simply turning off the sink’s tap while shaving, brushing teeth, and soaping hands. Taking showers with cooler water saves energy and has been noted to boost muscle recovery, increase circulation and energy levels. Installing low-flush or dual-flush toilets and water-saving shower heads will reduce water usage. In the laundry room, wash full loads in cold water. If you are able to catch rinse water, use it to wash matts, slippers, or to wipe floors. Wear clothes more than once, thus reducing the amount of laundry. Use a bucket of water rather than a hose to wash the car. Strive for low maintenance landscaping that includes native plants. Replace some grassy areas with a ground cover. Obtain a rain barrel. Water your lawn with grey water. Retain water in your garden by composting and placing mulch around plants. Watering your garden in the early morning reduces evaporation loss and prevents fungal growth by allowing leaves to dry. Sweep walkways, steps, and driveways rather than using a hose. When using a hose, control the flow with an automatic shut-off nozzle. Avoid water toys that require a constant stream of water. If going to a spa, take your own robe and towels. It’s such a waste to see these being washed after a single use. Small challenges and awareness! These simple acts will help retain our waterways.

When Labels Become Identity: A Warning We Should Not Ignore

When Labels Become Identity: A Warning We Should Not Ignore By Dale Jodoin Columnist Have you noticed how quickly people are labeling each other now? It shows up in conversation, online, and in how people describe who they are. It may seem harmless at first, even helpful, but it carries a risk that should not be ignored. Because once labels take hold, judgment follows. There are no official cards being handed out in Canada. No one is lining up to receive papers that define them. But in a different way, something similar is starting to appear. Labels are being worn openly, almost like identity cards. Not in your wallet, but in how you present yourself and how others decide where you belong. That should give people pause. History has shown what can happen when societies begin sorting people into fixed groups. In the Soviet Union, citizens were classified by class. Worker. Farmer. Enemy. These were not just labels. They shaped lives and limited opportunity. In the People's Republic of China during the Cultural Revolution, people were judged by family background. Good class or bad class. Those labels followed individuals for years and often defined their future. Most Canadians would agree those systems went too far. And today, there is no formal version of that here. But the warning is not about what exists on paper. It is about what is forming in practice. The shift begins quietly. Words like privilege and victimhood are used more often. People are grouped before they are understood. In many cases, the goal is to address real issues such as inequality and fairness. Those are important conversations. But something changes when the focus moves from helping people to defining them. The label comes first. The individual comes second. Critics say the New Democratic Party reflects this shift, with messaging that focuses on groups defined by disadvantage or privilege. Supporters call it fairness. Critics say it risks turning people into categories first, citizens second. That concern is part of a wider shift, not just one party or one idea. And that is where the warning becomes clear. Because once a society becomes comfortable assigning identity based on group, it becomes easier to assume things about the person in front of you. It becomes easier to judge. It becomes easier to divide. A man standing in line at a grocery store is not thinking about labels. He is thinking about the price of food. But in the wider conversation, he may already be placed into a group before anyone knows his story. That is where the disconnect begins. Across communities, people are saying similar things in plain language. I just want to be treated fairly. I work hard, but I feel judged before I even speak. No one sees my situation. These are real voices. Some, especially men of European background, say they feel they are being viewed through the lens of the past rather than their own actions. They hear conversations about history and feel that weight placed on them, even though they had no role in those events. At the same time, others point out that history still shapes the present. Access to jobs, education, and opportunity has not always been equal. Ignoring that would also be a mistake. Both realities can exist at once. You cannot inherit guilt. But you can inherit circumstances. The problem begins when those realities turn into fixed labels. Because labels are simple. Too simple. They reduce complex lives into single categories. They overlook effort, struggle, and personal story. They replace understanding with assumption. And once that happens, something changes. Trust weakens. Conversations break down. People stop listening to each other. History shows that this kind of shift does not happen overnight. It builds slowly. One label at a time. One assumption at a time. That is why this moment matters. Most people in Canada still see themselves as Canadian. They are not thinking in categories. They are focused on daily life. Paying rent. Buying groceries. Raising their children. Trying to move forward. Many newcomers feel the same way. They are grateful for the opportunity to be here. They want to work, contribute, and build a stable life. That is the quiet majority. But there is also a smaller group that pushes these ideas more strongly. They speak loudly about identity and categories. They try to define people before those people can define themselves. That is where the concern grows. Because once people accept labels without question, they begin to see others through them. And that changes how people are treated. It changes how decisions are made. It changes how a country sees itself. The danger is not in recognizing problems. The danger is in deciding who a person is before you know them. Because that decision can be wrong. It can be unfair. And it can close the door to understanding before it even begins. This is why the idea of a modern card system, even as a metaphor, matters. Not because cards exist. But because the thinking behind them can grow quietly. And when it does, it shapes everything. It shapes language. It shapes judgment. It shapes how people treat each other. So this is the warning. Be careful with labels. Be careful when you apply them to yourself. Be careful when you apply them to others. Because the moment you decide who a person is before you understand them, you step into something dangerous. And that danger does not stay in one place. It spreads through conversation, through assumption, through everyday life. Until one day, the label matters more than the truth. Canada works best when people are judged as individuals. Not as categories. Not as assumptions. Just people. So stay aware. Watch how people treat you. Watch how you treat others. Because the real danger is not the label. It is the moment you stop questioning it.

Remembering the Battle of Vimy Ridge, 109 Years Later

Remembering the Battle of Vimy Ridge, 109 Years Later by Maj (ret’d) CORNELIU, CHISU, CD, PMSC FEC, CET, P.Eng. Former Member of Parliament Pickering-Scarborough East There are moments in history when a nation does not merely act—it becomes. For Canada, that moment came on the cold, scarred heights of Vimy Ridge in April 1917. Between April 9 and 12, more than 100,000 Canadians fought together for the first time as a unified corps. They faced a fortified German position that had defeated previous Allied assaults and was widely considered impregnable. Yet, through meticulous preparation, disciplined execution, and collective resolve, the Canadians did what others could not: they took the ridge. Vimy was not simply a battlefield victory. It was the forging of a national identity. The cost was staggering. Canada suffered over 10,600 casualties in just four days, including 3,598 killed. April 9 remains the bloodiest day in Canadian military history. These were not professional soldiers alone—they were citizens in uniform. Farmers, labourers, students, immigrants. French and English Canadians, Indigenous soldiers, and newcomers all fought side by side. In their shared sacrifice, they revealed the essence of Canada before it fully knew itself. Historians have long argued that Vimy marked the moment Canada stepped out from Britain’s shadow and asserted its own capability and confidence on the world stage. Brigadier-General Alexander Ross famously described witnessing “the birth of a nation.” That phrase endures not because it is poetic, but because it captures a profound truth: Canada emerged from Vimy more unified, more self-assured, and more conscious of its destiny. Yet the lesson of Vimy is not found in symbolism alone. It lies in how the victory was achieved. The Canadian Corps did not rely on luck or sheer courage. They rehearsed relentlessly. They mapped every trench, studied every metre of terrain, and coordinated artillery with unprecedented precision. The creeping barrage—moving in timed increments ahead of advancing troops—allowed infantry to follow closely behind a curtain of fire. This was not reckless sacrifice; it was disciplined innovation. That Canadian approach—thorough, methodical, intelligent—became a hallmark of subsequent victories. Under the leadership of Arthur Currie, Canadian forces refined tactics that emphasized planning over impulse and effectiveness over spectacle. From Hill 70 to Amiens, the Canadian Corps earned a reputation not just for bravery, but for competence. And that may be Vimy’s most enduring lesson. Because today, Canada faces a different kind of battlefield—one shaped by geopolitical instability, economic uncertainty, and shifting global power dynamics. The war in Europe has shattered illusions about lasting peace on the continent. The Middle East remains volatile. Great power competition is intensifying. The rules-based international order, long taken for granted, is under strain. At home, Canadians are grappling with economic pressures, housing challenges, and questions about national resilience. We are no longer insulated from the turbulence of the world. Geography alone cannot protect us. History reminds us that complacency is not a strategy. Just months after Vimy, the world was struck by the Spanish influenza, which claimed millions of lives globally and deeply affected Canada. More recently, the COVID-19 pandemic exposed vulnerabilities in global systems and tested national cohesion. Each crisis—military or medical—has reinforced the same truth: resilience is built before the crisis, not during it. Vimy teaches us that success is never accidental. It is the product of preparation, unity, and leadership. Today, that means strengthening Canada’s defence capabilities—not as an act of aggression, but as a responsibility in an increasingly dangerous world. It means investing in our armed forces, modernizing our infrastructure, and ensuring that Canada can contribute meaningfully to collective security alongside its allies. But it also means something deeper. The soldiers at Vimy did not fight as isolated individuals. They fought as Canadians—with a shared sense of purpose and duty. That civic responsibility must not be lost in our time. A strong nation is not built solely through policy; it is sustained through the character of its citizens. We must rediscover that sense of collective obligation—to one another and to the country we share. In an age of division and uncertainty, unity is not a luxury. It is a necessity. As we reflect on Easter 1917, we should remember not only the courage of those who advanced across that shattered ridge, but the discipline and preparation that made their success possible. We should remember that nationhood is not a fixed achievement, but an ongoing responsibility. And we should ask ourselves a difficult but necessary question: are we living up to the legacy they left us? Are our leaders demonstrating the foresight and resolve required for the challenges ahead? Are we, as citizens, prepared to shoulder our share of responsibility? The answers will define the Canada of tomorrow. Because Vimy is not just history. It is a standard. A reminder that in moments of uncertainty, Canadians have risen—not through rhetoric, but through action. Not through division, but through unity. Not through chance, but through preparation. The men who fought at Vimy Ridge did their duty. Now, the question is whether we are prepared to do ours. Lest we forget.

FACT vs FICTION SETTING THE RECORD STRAIGHT

FACT vs FICTION SETTING THE RECORD STRAIGHT By Maurice Brenner Regional Councillor Ward 1 Pickering There has been a lot of discussion about intensification across Pickering from Altona Road to the Brock, triggering concerns raised about the impact it will have on our aging limited infrastructure and already congested roads. While it’s fact that Pickering Planning has processed or is actively reviewing (33) development proposals that collectively include (103) towers exceeding seven storeys in height. These proposals represent a mix of high-density mixed-use buildings, retirement residences, long-term care facilities, and a hotel. It’s also fact, that these proposals are at various stages of the planning and building permit approval process, ranging from the initial review of Official Plan Amendment and/or Zoning By-law Amendment applications, to projects that have received planning approvals, only a limited number are under construction with several towers currently on hold or inactive. In the spirit of transparency , City Planning Staff at my request prepared a breakdown of the current status of towers in the development approval process: -On hold / inactive development proposals (16 towers) -Appealed to the Ontario Land Tribunal (20 towers) -Official Plan Amendment and/or Zoning By-law Amendment under Review by the City (30 towers) -Official Plan Amendment and/or Zoning By-law Amendment approved by Council (19 towers) -Site Plan Applications under review (11 towers) Of this total, only (7) Building permits have been issued and are currently under construction. The following towers have received all required planning approvals and building permits and are currently under construction: • Two high-density mixed-use towers by CentreCourt at Shops at Pickering City Centre. • Two high-density towers by Chestnut Hill Developments at Universal City (UC6 & UC7). • Two mixed-use high-density towers by Tribute at the VuPoint project. • One 15-storey long-term care facility proposed by Southbridge Healthcare, which was approved through a site-specific enhanced Ministers ’Zoning Order Contrary to the belief that Pickering is on the verge of becoming a concrete jungle, only (7) of the (103) proposed towers are currently under construction. Of these, (6) are for high-density mixed-use developments located in the City Centre, while the remaining tower is for a 15-storey long-term care facility proposed by Southbridge Healthcare on Valley Farm Road. While additional towers may proceed in the future, City staff anticipates that up to (11) more towers could be constructed over the next 5 to 10 years. Development of the remaining towers is long-term and uncertain, and will depend on many external factors that caused the current condo market to crash, and unlikely to recover for many years. These same developers that saw yesterdays boom as a winning lottery ticket will need to find new ways that meet the new realities of today and into the future.

LEADING THE LIFE YOU WANT

Leading the Life You Want Common Sense Health – Diana Gifford-Jones There’s something quietly heartbreaking about waiting too long to start living the life you might have had all along. An 83-year-old reader wrote to me recently. For decades, this person lived with social exclusion, low self-esteem, and fear. Then, just last year, they did something about it. They signed up for modern line dancing at a local community centre. I don’t know if it was a decision taken after a lot of soul searching, or if it was a whim, something more frivolous. But the same result, either way. Everything changed. Some things were evident right away. Others came over time, and they were physical, mental, emotional, and social. Enough for the reader to report, with a sense of regret, “It makes me want to start life over again… and do things differently. Better. With more enjoyment.” That last line lingers. It invites the question. Why do people wait? Not everyone does. Hopefully not long-time Gifford-Jones readers. But my suspicion is that a lot of people do. They wait until retirement to travel. They wait until illness to value health. They wait until loneliness becomes noticeably painful before reaching out. They wait for permission to be a little bit different than everyone has come to expect. Well, guess what? That permission is not coming. Years ago, I heard a story about a young man who didn’t know what he wanted to do with his life. He asked an older, wiser fellow for advice. The answer was stark. “Go to the beach. Sit there. Look at the ocean. And don’t come back until you know.” The suggestion to go away and think deeply about it sounds absurd in today’s lightening-paced, hyperconnected world. But it’s not that hard to do, in fact. Just put the phone down and shut away any other distractions. Schedule time for focused thinking in blocks of two or three hours. Set up a spot for thinking – someplace not too comfortable, but attractive. Then go there and do your thinking – for as many sessions as it takes. You’ll figure something out soon enough. And then you have to go for it. We don’t give ourselves the time or the discomfort needed to think clearly about what we want. We fill every quiet moment with noise and distraction. And so the years pass, not in crisis, but in drift. Research in psychology has long shown that novelty and social connection are powerful medicines. Trying something new. Even something as unassuming as line dancing can stimulate the brain, improve balance and cardiovascular health, and reduce symptoms of anxiety and depression. It’s not just about the activity. It’s about stepping outside the box quietly built around ourselves. At 83, you can still change your life. At 63, you can still change your life. At 23, you can still change your life. The difference is how much time you have left to enjoy it. But if you are at the older end of the spread, you know it’s not all about duration. Quality of experience, even if flirting, can last a lifetime, even retroactively. So here’s the drill. Take a step. A small one is enough. Sign up for something. Call someone. Go somewhere. And if you truly don’t know what you want? Find your own “beach.” Sit quietly. Think deeply. And don’t get up until you know. I did just this upon the passing of my father several months ago. And now I’m writing this column. It’s an intensely high-quality weekly experience that I hope will last for a long time.

The Quiet Majority: When Survival Replaces Voice

The Quiet Majority: When Survival Replaces Voice By Dale Jodoin Columnist I am a columnist . I deal in facts, not noise. And here is a hard one to sit with. Most Canadians are not part of the fight you see every day. They are trying to survive. That is not a slogan. That is the reality showing up at kitchen tables across this country. Bills stacked. Phones buzzing with payment reminders. People doing the math in their heads before they even get out of bed. Something has shifted. You can feel it. This is not just about politics anymore. It is about pressure. The kind that builds slowly, then all at once. The kind that makes people pull back from everything except what keeps them afloat. Rent is high. Food costs more than it should. Gas prices jump without warning. One week it feels manageable. The next, it does not. A simple drive to work turns into a quiet stress you carry all day. People are not arguing about big ideas. They are asking simple questions. Can I afford groceries this week.Can I fill the tank. Can I keep the lights on. That is where the country is sitting right now. And while that is happening, something else is going on at the same time. There are voices with time, energy, and support pushing hard for attention, for change, for recognition. Some of that is fair. Some of it is needed. But it is loud. Constant. Hard to ignore. And then there is everyone else. The majority. They are not pushing anything. They are not organizing. They are not showing up to every debate. They are working. Raising families. Looking after aging parents. Trying to hold their lives together. They are not silent because they do not care. They are silent because they are overwhelmed. That difference matters. When you are stretched thin, you do not take on extra weight. You drop what you can. And for many Canadians, what gets dropped is the larger conversation. Not out of anger. Out of survival. But silence has consequences. When the majority steps back, the conversation does not stop. It shifts. The loudest voices fill the space. Policies get shaped. Narratives get built. Decisions move forward. And the people who stepped back look up one day and think, when did this happen That is where the unease starts. It is not loud anger. It is something quieter. A feeling that things are moving without you. That your daily struggle does not count the same way. That your problems are too ordinary to matter. Because being able to pay your bills is not seen as an urgent policy. But it is urgent to the people living it. Look at the systems people rely on. Education is under strain. Parents worry about what their kids are learning, but also about what is missing. Classrooms are stretched. Teachers are doing what they can, but it feels like something is slipping. Then there is health care. This is where the fear turns real. People are afraid to go to the hospital. Not because they doubt the people working there, but because they know what they might face. Long waits. No doctors available. Hours that turn into a full day sitting in a chair, watching the clock. And it is worse when it is not you. It is your father struggling to breathe. Your wife is in pain. Your child with a fever that will not break. You sit there, waiting, hoping nothing gets worse before someone can help. That stays with people. It changes how they think. It changes what they fear. So when another debate starts, when another issue demands attention, people look at their own lives and think, I cannot carry that too. That is how the quiet majority is formed. Not by choice. By pressure. At the same time, there is a growing push to tell people how they should think, what they should say, what they should support. Even when the intention is to help, the delivery can feel forced. That creates a quiet resistance. People do not argue. They do not protest. They step back further. They nod, stay polite, and return to their lives. But here is where it gets dangerous. When the majority steps away, even for good reason, it leaves the direction of the country in fewer hands. Not necessarily bad hands, but fewer. That is how imbalance grows. A small group, driven and active, can shape the path. A large group, tired and silent, can lose its influence without even noticing. And over time, that gap widens. The country starts to feel unfamiliar, not because it changed overnight, but because most people were not part of the change as it happened. That is the quiet shift happening right now. It is not loud. It is not dramatic. It is slow. And that is what makes it harder to see. Most Canadians are not extreme. They are not hateful. They are not looking for conflict. They want stability. They want fairness. They want a chance to live without constant pressure closing in on them. They wake up tired. They go to work. They come home and try to make things work again the next day. If you listen, really listen, you hear the same line everywhere. I do not have a problem with anyone. I just want to live my life. That should mean something. But right now, it is getting lost. Because systems do not respond to quiet. They respond to pressure. So the people who are struggling the most, the ones holding everything together, are also the ones least heard. That is not just unfair. It is risky. A country cannot stay balanced if its majority is too tired to take part. It cannot stay steady if the people carrying the weight feel like they are not part of the direction. Eventually, something gives. Not all at once. Not with a bang. But slowly. People disconnect. Trust fades. The sense of shared ground weakens. And when that happens, it becomes harder to bring things back together. This is not about picking sides. It is about recognizing what is happening before it goes too far. The quiet majority is not the problem. But if it stays quiet for too long, it may not recognize the country it helped build.And by then, speaking up will feel a lot harder than it does today.

Mr. X Explains the Development Charge Paradox

Mr. X Explains the Development Charge Paradox A comprehensive Ontario municipal finance white paper on Development Charge rates, housing supply, and long-term fiscal sustainability 1. Introduction Ontario municipalities rely on Development Charges (DCs) to fund growth-related infrastructure. While intended to ensure that growth pays for growth, Development Charges can unintentionally suppress development activity when set beyond optimal levels. This paper explains the Development Charge Paradox using an adapted Laffer Curve framework. 2. Ontario Development Charge Framework Development Charges are governed by Ontario’s Development Charges Act and implemented through municipal background studies. Recent reforms, including Bill 23, reduced recoverability, introduced mandatory discounts, and constrained indexing. These changes increase development sensitivity to DC rate decisions. 3. The Development Charge Paradox At a Development Charge Rate of zero, Development Charge Revenue is also zero. As rates increase, revenue initially rises. Beyond an optimal point, higher DC rates suppress housing development faster than per-unit charges increase, resulting in declining Development Charge Revenue. 4. Equal Revenue, Unequal Outcomes The curve demonstrates that the same Development Charge Revenue can be achieved at two different Development Charge Rates. A low-rate, high-growth environment produces strong housing delivery and assessment growth. A high-rate, low-growth environment produces stagnation, even if short-term revenues appear similar. 5. Benefits of Lower Development Charge Rates Lower Development Charge Rates improve project feasibility, accelerate housing starts, support missing-middle and rental housing, and broaden the long-term municipal tax base. 6. Risks of Development Charge Rates Set Too Low If Development Charge Rates are set too low, municipalities may face infrastructure funding timing gaps. These risks can be managed through capital phasing, debt financing, and improved growth planning rather than suppressing development. 7. The Optimal Development Charge Rate The peak of the curve represents the optimal Development Charge Rate. At this point, Development Charge Revenue and housing delivery are maximized simultaneously, aligning municipal revenue objectives with housing supply goals. 8. Laissez-Faire Economics and Necessary Government Intervention Development Charge policy should generally follow laissez-faire economic principles, allowing market forces to determine pricing, supply, and investment decisions. However, where Development Charges are reduced to stimulate housing delivery, a degree of targeted government intervention is necessary to ensure that these reductions are reflected in housing prices rather than being absorbed entirely into developer margins. 9. Consequences of Excessively High Development Charge Rates Excessively high Development Charge Rates delay or cancel projects, encourage land banking, shift growth to other municipalities, and ultimately reduce Development Charge Revenue. 10. Long-Term Municipal Fiscal Impacts Development Charges are a one-time revenue source, while property taxes are recurring. Municipalities that prioritize long-term assessment growth over short-term DC maximization achieve greater fiscal sustainability. 11. Conclusion The Development Charge Paradox demonstrates that higher Development Charge Rates do not guarantee higher revenue. Optimal outcomes occur when Development Charges balance infrastructure funding with housing supply, economic vitality, and long-term municipal prosperity.

PARBUCKLING THE HMS METROLAND

PARBUCKLING THE HMS METROLAND From The Bottom Of The Corporate Sea By Joe Ingino BA. Psychology Editor/Publisher Central Newspapers ACCOMPLISHED WRITER/AUTHOR OF OVER 800 ,000 Published Columns in Canada and The United States I have been stating this for months: internet posting is dead. First, too many people are posting and calling themselves media. Second, there is no sustainable revenue in online advertising. The internet operates on statistics designed deceive the average business, and this is evident in the lack of advertising revenue among many online outlets.. Without revenue, maintaining a viable online presence becomes nearly impossible—despite the fact that many simply copy and paste news releases. I have known for months that Metroland’s online operations were struggling. I have spoken with members of the small staff maintaining their online presence, and they indicated that conditions were deteriorating. In what appears to be corporate greed or desperation, Metroland eliminated a significant portion—if not all—of its print publications. This decision left workers, communities, and advertisers in a state of uncertainty. It sent a troubling message across the industry. The move was, in many respects, morally questionable and executed without adequate consideration for the communities affected. Now, there appears to be an attempt to “parbuckle” the sunken HMS Metroland—from the depths of the bankruptcy protection sea in an effort to revive the brand for what may be one final attempt at advertising revenue in two of their most lucrative former markets. Parbuckling: A specialized technique used to roll a capsized or sunken ship upright. Namely bring back the METROLAND brand for one final dig in the pockets of nostalgia? Can a sunken ship be raised? Yes, a sunken ship can be raised, but it depends on the vessel's depth, structural integrity, and the cost of the salvage operation. Here is where the HMS METROLAND may find itself in dangerous waters. Do they believe former advertisers will return after previously disengaging due to poor performance metrics? Is the structural integrity of the brand still buoyant? One hopes advertisers are not so naive. Metroland has lost its distribution networks and now proposes a monthly publication schedule. This risks becoming another Corporate “Titanic”—an avoidable failure. Recently, a letter circulated stating: As a 25-year veteran of community news, I have been witness to and at the forefront of changes large and small. In 2023, one of those changes was to stop printing and delivering WhitbyThis Week and Oshawa This Week, focusing solely on digital news and information at durhamregion.com. A complete failure in some industry critics eyes. This move put them under bankruptcy protection and destroyed their distribution networks... leaving them with NO READERSHIP. THIS TRANSLATED TO THEIR ONLINE... AS PEOPLE LOST CONFIDENCE. What didn’t change was our priority to provide you the local information you’ve told us you need and the community journalism you can’t find anywhere else. But, in the past two-plus years, we’ve heard from many of our readers that you missed the ritual of reading a physical newspaper. We missed that connection too. This move to online only had a huge cut back on people they employed. Affecting the livelihood of many. They did not care. And so, I am thrilled to share with you the return of Whitby This Week and Oshawa This Week as monthly publications. This exciting change is rooted in our commitment to Whitby and Oshawa and the knowledge that local journalism is essential to a democracy and a healthy community. or could it be that it is an election year and think they can negotiate advertising revenue through campaign advertising. This failing to recognize that both of those municipalities have opted to go electronic and that they have alloted no money in their budgets for newsprint advertising. Maybe they are counting on the many department heads with their hands out to re-kindle old kick backs schemes for advertising? It is also about the future. We are investing in the next generation by hiring 20 new editorial interns in newsrooms across Ontario. These fresh voices will work alongside our veteran reporters to cover the stories that matter most to you. It is not about the future as they claim. It is about their bottom line. A line that is at the bottom of reality sea. 20 interns... Why don’t they hire all the one’s they let go. Instead they still disrespect the community by hiring cheaper interns.. What an insult to the community. We are also proud to relaunch "Metroland Gives Back." Every issue will provide free advertising space to a local charity. It is our way of supporting the organizations that make our neighborhoods a better place to live. We hope you enjoy this return to print, and that it gives you a stronger connection to us and our community. Sincerely, Lee Ann Waterman Group Publisher and Vice-President, Editorial. Advertisers... be aware of the past. Learn from our history and don’t waste your dollars on a Parbuckled vessel that has left port and previous left you behind. No distribution = No readership. Free publications by their own admission have no readership. Are you prepare to waste good advertising dollars on nostalgia of proven to fail? Think about it.

Canada’s Housing Crisis Is Now a Test of Leadership

Canada’s Housing Crisis Is Now a Test of Leadership by Maj (ret’d) CORNELIU, CHISU, CD, PMSC FEC, CET, P.Eng. Former Member of Parliament Pickering-Scarborough East Canada’s housing crisis is no longer a market fluctuation. It is a structural failure, one that now tests the country’s economic credibility, social cohesion, and political leadership. For too long, housing was treated as a local issue, shaped by municipal zoning and market forces. That approach has collapsed under the weight of reality. Population growth has surged, supply has lagged, and affordability has deteriorated to the point where even middle-class Canadians are under strain. What we face today is not simply high prices. It is a system that no longer delivers fairness. Recent signals from policymakers suggest that governments are beginning to understand the scale of the challenge. The economic framing associated with Mark Carney and the more assertive supply-side actions of Doug Ford point in the right direction. However, direction alone is not enough.Execution is what will matter. Canada’s housing shortage is the result of years of underbuilding relative to population growth. Immigration—vital to our economic future—has increased demand, but without a matching expansion in supply. The consequences are visible across the country. Homeownership is increasingly out of reach for younger Canadians. Rent consumes a growing share of income. Skilled workers are priced out of the very cities that depend on them.This is no longer just an affordability issue. It is a question of whether Canada still offers a viable path to stability and upward mobility. Mark Carney’s recent interventions have helped reframe the debate. Housing is not merely a private asset; it is core economic infrastructure. Canada has been highly effective at attracting capital. But too much of that capital has flowed into existing real estate, inflating prices, rather than into new housing supply. The policy implication is straightforward: we must redirect incentives. Governments should prioritize purpose-built rental construction, support long-term institutional investment, and reduce the distortions that reward speculation over building. If we treat housing as infrastructure—like transportation or energy—we begin to understand the scale and urgency of what is required. At the provincial level, Doug Ford’s approach has targeted a long-standing obstacle: municipal gatekeeping. Zoning restrictions, slow approvals, and local opposition have limited density in precisely the areas where it is most needed. Ontario’s efforts to mandate housing targets and streamline approvals reflect an uncomfortable truth. Left to their own devices, many municipalities will not approve enough housing.These measures are not without controversy. But the alternative is continued paralysis. Canada cannot solve a national housing crisis if local constraints consistently override national priorities. The central weakness in Canada’s response remains a lack of coordination.The federal government sets immigration levels and provides funding. Provinces control planning frameworks. Municipalities regulate land use. Each operates within its mandate, but the system as a whole lacks alignment. This fragmentation produces predictable outcomes: delays, inefficiencies, and missed targets. A credible strategy would link these elements. Immigration levels should be aligned with housing capacity. Federal funding should be conditional on municipal performance. Provinces must enforce timelines and accountability. Without coordination, even the right policies will fail. Housing is not just an economic issue. It is the foundation of social stability. When working Canadians cannot afford to live where they work, the consequences are far-reaching. Healthcare systems struggle to recruit. Businesses cannot find employees. Commutes lengthen, productivity declines, and inequality deepens. More fundamentally, public confidence erodes. A country where effort no longer leads to security risks losing the trust that underpins its institutions. Canada has faced national challenges before. Each required leadership willing to move beyond incrementalism. We need to build at scale, not at the margins. We need to rebalance incentives toward supply, not speculation. More importantly, we need governments prepared to confront local resistance when it conflicts with national interest. The early signals from leaders like Mark Carney and Premier Doug Ford suggest that the diagnosis is improving. However, diagnosis is not delivery. The real test is whether Canada can translate intent into action which is coordinated, sustained, and ambitious. Because in the end, this is not just about housing. It is about whether Canada remains a country where opportunity is attainable—or becomes one where it is quietly out of reach. What do you think?

Together We Can Fly..

. By Wayne Ellis Treasurer of COPA FLIGHT 70 This past week, I presented four Cadet Squadrons with a very special surprise. Normally, each Cadet Squadron receives one hour of flight time. I felt that was not enough, so I took the initiative to do something about it. I approached various companies and solicited their help. At first, I was a little reluctant, as it felt unfamiliar. Soon enough, I found out that many people are willing to step up and help. With my efforts, along with the generosity of those I approached, I was able to secure 20 hours of flight time for cadets. This is great news, as the more cadets we can get into an airplane, the better it is. These are young minds who sign up to better their lives through the science of flight. I felt it was the only honorable thing to do—and it worked. This past week, we held our presentation ceremony. It was there that I met the Editor and Publisher of The Central. As soon as I told him what I had accomplished, he wanted to get involved. He wanted to take part in this great effort that is taking off like wildfire. Mr. Ingino was so impressed by the initiative that he invited me to write a column to share my experiences and my role as Treasurer of COPA Flight 70. He was so supportive that he extended a partnership with a proposed fundraising target of $12,000. This would allow us to provide 40 more hours of flight time. This is tremendous news. This new initiative in the paper allows local businesses to take out a 3x5 ad. Normally, one week would cost $400. Mr. Ingino is offering two weeks for $400 plus tax, and in turn, he will donate $200 to COPA toward the $12,000 target. I believe Mr. Ingino has shown great leadership through this partnership with COPA. We need more local business owners to take the initiative and get involved. I am a retired educator, and I know first hand the developmental stages of a young mind—their insecurities, their dreams, and their aspirations. As a former school principal, I saw that every student had the potential for greatness. Many, with the right coaching and motivation, can achieve it. Others, however, fall to the side due to many factors—economics, family circumstances, and unforeseen challenges that can impede academic growth and development. As a member of COPA, I see these cadets enter the program with great aspirations—open minds and the spark of hope to one day take to the sky.As it stands, due to the cost of flight time, access has been limited to only a few. The goal is to leave no young mind behind—to give them the opportunity to experience flight first hand. I can tell you from personal experience as a pilot: there is no greater feeling than taking flight. To feel the freedom and the ability to control an aircraft in the air is something truly special. I remember when I purchased my first aircraft and had to fly it a long distance home. I was scared, tired, and concerned—but I could not have been happier. To be in my own aircraft for hours, flying home, is a feeling no one can ever take away from me. This is, in part, why I started this initiative. I am grateful to all who have been generous enough to donate and contribute so far, and I am thankful for this new partnership with The Central Newspaper. Together, we can make a difference. Together, we can truly take off and fly wherever our imagination leads us. There is no limit to the possibilities. There is no limit to our ability to dream. If you can help, we would greatly appreciate it. The cadets will be forever grateful. Thank you.

The Illusion of a Social Norm - How Everyone is an Exception to Social Rules

The Illusion of a Social Norm - How Everyone is an Exception to Social Rules By Camryn Bland Youth Columnist In highschool, it can feel almost impossible to be your authentic, full self. Students are constantly influenced by peer pressure, social standards, and comparison to others. It is evident when you walk into a classroom and see every girl in the same leggings and uggs, every guy with the same haircut and sweater. The similarities are clear, however the source of the standard is untraceable. The ending is unclear, as these similarities are not limited to just high school, following us throughout our entire lives. From a young age, we are often taught who we are supposed to be. Friends, family, teachers, and peers all have their own perspective on how you should act, and who you should be. As a kid, your friends may influence you to be louder, funnier, and more social, while a teacher may praise you for being quiet and introverted. None of these influences are directly wrong or negative, they are all trying to form a well-rounded individual. However, it can be confusing and make it difficult to distinguish what you really want from the loudest influences. When everyone around you has a different idea of who you should be, it becomes difficult to hear your own voice and your own wants. You start to wonder if your choices are really yours, or just reflections of others. As you get older, these contrasting expectations don’t disappear, they evolve. You become more aware of the “social norm,” a combination of expectations that seems impossible to avoid. In elementary school, the norm might be as simple as liking certain games or fitting into friend groups. In high school, it becomes more intense, and rigid; what you wear, how you act, who you hang out with, and what you post can feel like they define your entire life. If you make one mistake, reject what is defined as “normal” one time, your entire social life feels endangered. This norm even follows into adulthood, where its focus shifts to success, relationships, career paths, and lifestyle. There is always an unspoken standard which defines behavior, even if we cannot directly see it. The ironic part is, nobody perfectly fits the social norm. It’s an illusion, a constantly moving target which changes based on who you’re around. Since the rule is always changing, we’re all exceptions to a rule that doesn’t truly exist. This just increases the confusion which began at a young age, the question if you are your own person or a combination of the expectations which surround you. It creates a lifestyle of uncertainty and confusion instead of confidence and certainty. The norm isn’t something anyone naturally is, it’s a performance. Both online and in person, there is a constant trend of people being called performative or fake due to their fashion, interests, or behavior. However, it’s all hypocritical, as we are all performing to some capacity. Trying to change ourselves, even if it seems in the smallest way, is the show we cannot escape. Whether it be online or with a social group, it is practically impossible to not let ourselves be changed, especially when it is hard to understand your authentic self in the first place. Social media only intensifies the pressure and performance. Instead of trying to keep up with the standards of the people directly around us, we are now trying to keep up with the standards of thousands of people. We see the carefully curated versions of other people’s lives through a screen, and try to match it to seem trendy or likeable. The result is a constant feeling of falling short, unable to keep up with an online highlight reel. It is clear we are all a little performative, influenced by the norms we cannot control or escape. We adjust how we act depending on where we are and who we’re with. That doesn’t make us fake or ingenuine, it makes us human. The goal isn’t to completely reject the idea of social norms, which is an expectation even harder than keeping up with the norms themselves. Instead, the challenge is to recognize standards without completely losing yourself to them. The first step to moving past the norm is to figure out which parts of yourself feel real when no one is watching. It’s about choosing which standards to keep and what to let go of. Through this, it’s easier to learn about yourself and the interests, new and old, that feel the most “you.” Finding your authentic self isn’t about escaping influence entirely, an impossible goal. Social pressure is something which exists from the second we are born, starting with our parents and evolving into the opinions of everyone we surround ourselves with. These influences are not always negative, and that's important to remember. So, instead of avoiding the influence and standard, the goal is to learn how to exist within the expectations, without letting them define you altogether.

The Killing Of A Profession Scoundrels - Pretender & Wanabe’s

The Killing Of A Profession Scoundrels - Pretender & Wanabe’s By Joe Ingino BA. Psychology Editor/Publisher Central Newspapers ACCOMPLISHED WRITER/AUTHOR OF OVER 800 ,000 Published Columns in Canada and The United States This past week, we witnessed Whitby councillor Victoria Bozinovski asking the town to report back on how to get around the law and not hire legal immigrants. This is illegal, racist, xenophobic, and unacceptable. In turn, it could cost the Town hundreds of thousands of dollars to defend. My stance on immigration is not the issue here. If you want your opinions on immigration reform heard, take them to your local MP. Understanding the law and jurisdiction is an essential life skill. This situation sparked interest from a right-wing, online-only, self-proclaimed news group. Here is where the problem arises. Today, anyone and everyone can claim to be a journalist—and that is far from the truth. It is also an insult to a profession that has played a very important role in society. In this case, Rebel News took it upon itself to go after an elected official. No justification can rationalize unprofessional behaviour. This particular reporter acted more like an activist than a bona fide journalist. Journalism, by definition, involves researching, gathering, verifying, and presenting news and information to the public through print or broadcast. Journalists act as community watchdogs, maintaining accountability while operating under ethical guidelines to provide accurate, fair, and contextual information. What took place was not reporting. It was not journalism. It was an attack driven by an agenda regarding a particular decision by the councillor. She is not innocent either. I think it is wrong for any elected official to politicize their opinions and then hide behind their sexual orientation. Her blunt, label-driven approach toward a very sensitive issue like immigration was inappropriate. It appears that, when faced with limited argument, it has become fashionable to point fingers and label others—as she did in her statement: “not hire legal immigrants is illegal, racist, xenophobic, and garbage.” First and foremost, she should tone down her aggressive position. She is supposed to be a representative of all people. That means everyone. Her statement isolates some and empowers others—and, worse, it shows a lack of national pride and understanding of the issues facing society. For her, it was easier to point and label. Wrong.I believe she should apologize and retract her statement. As for the alt-right activist group masquerading as journalists—their actions are understandable, but not justified. Their aggressiveness may make sense, but it is still unacceptable. So how do we get a right from two wrongs? We don’t. This is a sign of the times. Society is fractured. On one hand, we have elected officials in roles for which they may lack the necessary understanding of society as a whole. Instead, they make personal attempts to deal with issues that are beyond their capabilities. Victoria is not alone—this kind of confusion is evident across Canada. So what does that tell us, as taxpayers and as people who see the bigger picture? Perhaps it is time to reconsider municipal governments, as they are clearly not representing everyone’s best interests. As for activists masquerading as journalists—the same criticism applies. We cannot go around pretending to be something we are not. Activists in the media are a dime a dozen. At best, they are columnists—not journalists. In this case, the activist uses a video camera to justify whatever angle they choose to push. This is wrong because it confuses the public and feeds the highway of misinformation. The fact that they do not print or broadcast in the traditional sense, as per the definition above, speaks to their credibility. To add insult to injury, this reporter has had multiple run-ins with the law for similar occurrences. A good journalist asks the right questions and leaves the subject wanting to have their side heard. What took place in Whitby was unprofessional—from both the activist and the councillor. Two wrongs never make a right, just as two rights will never solve everything or anything —because perfection is an elusive concept that requires a good journalist to help interpret.

Dead and Gone… Are You Sure It’s Covered?

Dead and Gone… Are You Sure It’s Covered? By Gary Payne, MBA Founder of Funeral Cost Ontario There is a question many families ask, often quietly - sometimes sitting together after everything has already happened. “Would it have been easier if this had already been arranged?” They are usually talking about prepaid funeral plans. If I were gone, I would want my family to understand what those plans actually do - and what they don’t. From the outside, prepaid arrangements sound simple. You make decisions ahead of time. You pay in advance. When the time comes, everything is taken care of. In some ways, that is true. But like many things connected to funerals, the details matter more than people expect. A prepaid plan is not always a single thing. Some plans lock in specific services and prices. Others simply set aside funds that will be used later. Some are guaranteed. Others depend on how costs change over time. Those differences are not always obvious at the beginning. I have spoken with families who believed everything had been taken care of, only to discover later that certain items were not included. Not because anyone did something wrong. But because the plan did not cover everything they assumed it would. I’ve seen the look when they realize it wasn’t as clear as they thought. If I were gone, I would want my family to feel steady enough to ask one simple question: “What exactly is included?” Not just generally. Line by line. Does the plan include transportation? Paperwork? Staff services? Facilities? Is it tied to a specific funeral home? Are third-party costs included, or will those be separate later? Those questions matter more than the label “prepaid.” There is another part that can be confusing. Portability. Many prepaid plans are connected to a specific provider. If someone moves, or if the family prefers to use a different funeral home, transferring the plan is not always straightforward. Sometimes it can be done. Sometimes there are limitations. If I were gone, I would want my family to know where the plan applies - and what happens if circumstances change. I would also want them to understand something that is not always talked about directly. A prepaid plan can reduce decision-making. It does not remove it completely. Even when arrangements are set in advance, the family still makes choices when the time comes. Dates. Timing. Small details that were not part of the original plan. I have seen families feel relief knowing certain decisions were already made. I have also seen families feel unsure about whether to follow the plan exactly, or adjust it. If I could leave one quiet message, it would be this: Do not feel bound by a plan in a way that adds pressure. A prepaid arrangement is meant to guide, not to create stress. There is also the financial side. Many people choose prepaid plans to protect their family from rising costs. In some cases, guaranteed plans do lock in pricing. In others, the funds set aside may not keep pace with future costs. If I were gone, I would want my family to understand whether the plan is guaranteed, or simply a contribution toward future expenses. I would also want them to know where the funds are held. In Ontario, prepaid money is typically placed in trust or backed by insurance. That structure exists to protect families. Still, it is reasonable to ask how the plan is funded and how it will be accessed when needed. If I could leave one practical suggestion, it would be this: If a prepaid plan exists, review it. Not just once, and not just when it is purchased. Look at it again over time. Make sure it still reflects what is wanted. And make sure someone else knows it exists. Because a plan only helps if the people who need it can find it and understand it. If I were gone, I would want my family to feel supported by whatever had been arranged - not surprised by it. Preplanning can be a gift. But its value depends on how clearly it is understood. Next week, I will write about something many families hesitate to start: how to have a conversation about funeral wishes without it feeling uncomfortable or overwhelming.

According to the Canadian Anti-Fraud Centre

According to the Canadian Anti-Fraud Centre By Bruno Scanga Financial Columnist In 2023 there were over 62,000 reported fraud victims. Seniors in Canada are getting bilked out of more than $500 million every year. It is estimated that as many as one in five seniors have lost money to fraudsters and most don’t report it. Even though seniors today may be mentally sharper than ever, they are still the con artists’ favorite target because they generally have more disposable cash and are often more trusting. Also, with our population living longer, there are more elders in their 80’s and 90’s who are vulnerable because they live alone, have a certain level of memory loss and can be confused or frightened by slick scammers. Scam artists try their tricks on all age groups, but some of their cons they focus on seniors. Here are a few common scams targeting seniors: Grandchild-in-trouble – Henry gets a call from what sounds like a grandson asking for some urgent financial help. Apparently traveling far from home, he needs bail money or emergency car repairs and asks for a wire transfer. In a nasty new twist, crooks knew some things about the grandchild and used a software tool to impersonate their voice. They were told their grandchild had been kidnapped and demanded payment of ransom. Cunningly, the crooks earlier called the grandchild on their cell phone, impersonating the phone carrier, and asked them to turn it off for a maintenance check. Protection – Wire payment or Bitcoin is the dead give-away. Never send money before confirming the grandchild’s whereabouts and call police. Phony bank official – Anne was bilked out of more than $15,000 when she thought she was helping her bank catch a thieving teller. She was instructed to withdraw a large sum of cash from her account and deliver it to the ‘bank official’ at a mall in her neighborhood. He was well dressed and assured her that the funds would be deposited back to her account. Anne was told not to tell her bank because they didn’t want to tip-off the teller, and he was able to get her to make two more withdrawals. Protection – Do not give any personal information to someone claiming they represent your bank. Call the police. Scareware – Shortly after David and Gail got their first computer; a message appeared on their screen telling them it was infected with a virus. They were invited to download a program for a small charge, giving the fraud artist their credit card information. Protection – First thing, have Internet security software from one of the big-name providers installed. Set it to update regularly and ignore the phony pop-up messages.