There’s No One Medical Truth

There’s No One Medical Truth Common Sense Health – Diana Gifford-Jones Advice has a habit of changing. One decade, eggs are dangerous. The next, they’re back on the plate. Butter was once a villain. Now it’s got its place. Coffee? Bad, then good, then possibly essential – depending on which expert you ask. It leaves people wondering: if the science is so clear, why does it keep shifting? Medicine has never been one unified story. Believing that can lead you badly astray. This is an opinion column, and for over 50 years, a lot of what’s been shared has rubbed the medical establishment the wrong way. That’s because there has been little patience for hypocrisy and groupthink. If something doesn’t make sense – in medicine, politics, or anything else – you might read about it here. All things in life are shaped by human nature. Bright ideas compete. Smart people argue their cases. Institutions defend themselves. And when a belief becomes widely accepted, questioning it can be problematic. Yet history shows that today’s “settled science” often becomes tomorrow’s revision. Part of the problem is that we talk about medicine as though it were a single, consistent approach. It isn’t. Around the world, and across time, very different models of health have developed. Some focus on drugs and surgery. Others emphasize nutrition, environment, or the body’s internal balance. Even within modern Western medicine, there are competing schools of thought. And they don’t always ask the same questions or look at the same evidence. Take something as simple as vitamins. Most of us were taught vitamins are there to prevent deficiency diseases. A little vitamin C to avoid scurvy. Enough vitamin D to protect bones. Just enough to get by. But some researchers have asked a different question: what happens if the body is given not just “enough,” but far more, under careful supervision? Could higher levels change how the body functions under stress or illness? That idea makes many experts uncomfortable. Yet it reflects a broader truth about biology: the dosage matters. A cup of coffee can sharpen your mind. Ten cups will do something very different. The same principle applies throughout the body. Substances that are helpful at one level can behave in entirely different ways at another. There’s another layer to this as well. The body doesn’t operate one chemical at a time. It works as a complex network – systems interacting with systems. Nutrients, hormones, and enzymes influence each other in ways that are still not fully understood. Some approaches to medicine look at these interactions closely. Others study one factor at a time, because that’s easier to measure and test. Neither approach is inherently wrong. But they can lead to very different conclusions. And that’s the point. When experts disagree, it’s not always because one side is foolish or uninformed. Often, they are simply looking at the problem through different lenses, asking different questions, using different methods, and defining success in different ways. Unfortunately, once a particular way of thinking becomes dominant, it tends to crowd out alternatives. Medical training, research funding, and professional reputation all reinforce what is already accepted. Over time, that can make the system less open to new or unconventional ideas. The Gifford-Jones mantra has been to push back against that tendency. It means you should be cautious about believing that any one voice speaks for all of science. When you hear a confident medical claim, it’s worth asking a few simple questions. What exactly was studied? What wasn’t? Are there other experts who see it differently? And if so, why? These aren’t the questions of a cynic. They’re the habits of an informed consumer.

Middle Man

Middle Man By Wayne and Tamara I'm torn about how to handle this. My 23-year-old daughter got engaged last November. This weekend she and her fiancé visited us. Yesterday I sat down at my computer and her fiancé’s email was still open. In the sent mail I found pictures of his ex-girlfriend wearing nothing but a partially-open robe. This email is one he sent to himself in January. I’m no prude, but I think if nothing else this was stupid on his part. It would cause a major issue if she discovered it. Best case, they're pictures from years ago, and he simply wanted to keep them. Worst case, she is still sending him photos. I’m thinking of confronting him, and if he’s honest with me, then I’ll bury this. But if he lies, I will make him come clean with my daughter. I don't want to cause a problem where there isn't one, but I don't want to ignore something that may be a real issue. Leo Leo, one of the failings of honest people is they expect dishonest people to think as they do. The liar and the victim of the lie have a huge difference in perspective. If your daughter’s fiancé is actively involved with his old girlfriend, he has no reason to tell you the truth. If you talk to him, you should expect the same answer—denial—whether he is telling the truth or lying. The easy way out is to say nothing and pretend you never saw the photos. But the power to keep quiet is not something you have. It is better for your daughter to know now rather than knowing later. She is the one you have a relationship with. When you see someone breaking into your neighbor’s house and don’t tell your neighbor, who are you siding with? The thief. This young man brought consequences on himself. You will always have this in your head when you deal with him. You can’t stop your daughter from making mistakes, but you can give her the information you now possess. Talk to your daughter, alone and soon, in a calm and collected manner. Carefully tell her, “If something came of this, and I didn’t tell you, I would be kicking myself forever. I don’t have the knowledge to know what this means, but I saw something which hurt me because it may hurt you.” Then trust her to do the right thing. Wayne & Tamara Suspicions I work for a small company. Since I have been on board our very young owner has made accusations, but today was the worst. He was getting ready to leave and next to me was a check from one of our customers. It was similar in color to the ones I cut and he signs. He wasn't gone 10 minutes when I got a phone call, asking me why I signed one of our checks. I was dumbfounded then looked around and saw the customer’s check. I told him what he had seen and assured him I do not sign checks because I'm not authorized. There was great hesitation in his voice, and since then he has been rude and snappy with me. Meghan Meghan, your boss “saw” something he didn’t see. Rather than be disproven, he wants to defend himself and carry around the idea he wasn’t wrong. Perhaps he’s under stress, sensitive about his authority, or likes to bully others. Perhaps he is suspicious of others because he knows himself to be untrustworthy. Whatever the case, you have to protect yourself. Document the date and time of the phone call and details about the check involved. Explain to others what happened. In the meantime, act absolutely above board and professionally. If you think your job is in danger, act like your job is in danger and take steps to find a more welcoming workplace. Wayne & Tamara

Fun on Empty: Making Memories on a Tight Budget

Fun on Empty: Making Memories on a Tight Budget By Dale Jodoin Columnist Raising a family when money is tight can quietly break your spirit. Not all at once. It happens in small ways. You say no to dinner out. No to the movie. No to the weekend trip. No to the new restaurant everyone is talking about. After a while, you start feeling like the bad guy in your own house. Then friends talk about going away with their family, or trying some place where the menu looks like a car payment. You smile and say, “I have to work.” That sounds better than saying, “I can’t afford to take my family.” That part hurts. Nobody wants to say it out loud. But here’s the truth. A tight budget does not mean your family has to live a small life. Across Canada, more families are feeling the squeeze. People are working long hours and still going to food banks. Seniors are counting every dollar. Parents are choosing between gas and groceries. It’s not rare anymore. It’s everyday life for a lot of people. And yet, something else is happening too. People are learning how to live differently. Not louder. Not flashier. Just smarter. Take a picnic. It sounds simple. Maybe even a bit boring. But it works. Stop at a grocery store. Grab buns, some deli meat, maybe a bit of fruit. Skip the expensive drinks and mix your own. Pack it into a bag or a cooler. Bring a blanket, or whatever you have, and head out. I remember watching a dad once, sitting on a park bench, quietly counting change before walking back to his kids with a couple of drinks. The kids didn’t notice. They were too busy laughing, chasing a ball, falling over themselves in the grass. To them, it was a great day. Give it ten minutes once you’re there. The air feels different. The pressure eases. It’s not about what you spent. It’s about being present. In a place like Oshawa, there are more options than people think. Parks, open fields, trails. They’re there for everyone. You just have to use them. The same goes for sports. You don’t need a ticket to enjoy a game. Local leagues are everywhere. Baseball, soccer, cricket, and more rugby. Just show up. Stand near the fence or sit on the grass. Watch. Cheer a little. Lacrosse is another one people forget about. Fast, tough, and exciting. Many local games are open to the public. The same goes for school sports. Places like Ontario Tech University and Durham College often have games and events, especially in the summer. Bring your own food. A couple of sandwiches. Some drinks. You sit there together, and for a while, nothing else matters. Transit can open things up too. Not everyone drives, and gas adds up fast. A simple bus ride can take you somewhere new. A different park. A lake. A spot you forgot about. If there’s water nearby, even better. Bring a towel. Let the kids swim if it’s safe. Sit back and take it in. Those are the moments that stay. And don’t overlook what’s already around you. A pickup soccer game. Kids playing baseball. A cricket match in a field. You don’t need to join. Just being there can make you feel part of something again. Local newspapers and city websites are worth checking too. They list events most people skip past. Small festivals. Community days. Local gatherings. Many are free or low cost. You just have to look. Here’s something that matters more than most people realize. Kids don’t measure their childhood by how much money you spent. They measure it by time. By attention. By whether you showed up. You can spend a lot and still miss that. Or you can spend almost nothing and get it right. That doesn’t mean things are easy. They’re not. Working hard and feeling stuck is frustrating. Prices go up. Pay doesn’t always follow. It wears people down. But inside that, there’s still a way forward. For seniors, it might mean asking for a discount and not feeling bad about it. For families, it might mean choosing fast food over a sit down place because tipping just isn’t possible. For others, it might mean skipping one thing so you can enjoy something else. You start to see your city differently. Not as a place full of things you can’t afford, but as a place full of things you can still enjoy. And that changes things. Money can be short. The fridge can be thin. The bills can sit on the table like they own the place. But your kids don’t need rich parents to have good memories. They need time. They need laughter. They need a parent who still tries, even when things are hard. A sandwich in the park can matter. A bus ride to the lake can matter. Watching a free game can matter. Taking pictures on your phone can matter. Because one day, your kids may not remember what you couldn’t buy. They’ll remember that you showed up. And that is how a family finds a way to have fun on empty.

The Easiest Thing To Fix in A Struggling Healthcare System

The Easiest Thing To Fix in A Struggling Healthcare System Common Sense Health – Diana Gifford-Jones The Easiest Thing to Fix in a Struggling Healthcare System No country has it perfect. But a few give us envy. Switzerland combines universal health coverage with rapid access and strong patient choice. People are required to buy private insurance, but the system is tightly regulated, and wait times are generally far shorter than in Canada by comparison. The Netherlands is another standout. It has universal coverage, strong primary care, and insurers compete within strict public rules. It ranks high for patient satisfaction and access. Germany is praised for its social insurance model – broad coverage, quick specialist access, and a large hospital network. Singapore is admired for efficiency and outcomes. It spends far less of GDP on health care than many Western countries while maintaining excellent results, though its system relies more heavily on personal savings and individual responsibility. Among Nordic countries, Denmark is praised for integration and digital health systems, while Sweden is respected for quality but can struggle with wait times. Canada adheres to the principle of universal access. No one should go bankrupt because they got sick. But universal coverage is nothing to celebrate if you can’t see a doctor. And Canadians are frustrated by access delays, and increasingly, by service quality too. In the U.S., money talks. Those with means can get world-class care. For those without insurance, and there are many, it’s a lot harder and the statistics tell a grim story.Regardless of where in the world, or socioeconomic status, no senior citizen should wait 14 hours in emergency with a fractured wrist. No individual with chest pain should sit in a hallway because there are no beds. No one should have to wait eight months to see a specialist, only to be told they need another referral because the original one expired while waiting. We hear promises of “transformational reform” when parts of our systems breakdown. Yet patients continue to experience delay, frustration, and the sense that no one is in charge. What’s the one thing we could easily fix? That would be communication. What drives people to frustration is often not the illness itself but feeling invisible inside the system. Even when right in the middle of it. Medicine has become highly technical, but healing still begins with a person looking you in the eye and explaining what is happening. Patients want two things from a physician: competence and caring. They hoped for the first, but they remembered the second. And caring means diligent communication – in both directions, with give and take, until there is a common understanding. Hospitals measure everything – wait times, readmissions, staffing costs, infection rates. All important. But do we measure whether families are actually informed? Whether discharge instructions are understood? Whether patients know who is responsible for their care? Imagine if every emergency department had one person whose sole role was to keep patients and families informed. Not to provide treatment, but to explain delays, next steps, and realistic expectations. There is an old saying in medicine: “Cure sometimes, treat often, comfort always.” We seem to have forgotten the last part. Comfort is not a complex concept. It is clarity. It is dignity. It is the assurance that someone sees you not as a chart number, but as a human being who may be frightened and trying to make sense of what comes next. Can communication alone fix health care? Of course not. But if we are looking for the easiest place to start, it may be right there. For a lot of things in life, it might help to lay it out. “Here is what is happening, and here is what happens next.”

When Other People Start Weighing In

Dead and Gone…

By Gary Payne, MBA Founder of Funeral Cost Ontario There is a point where the circle around a family starts to widen. It doesn’t happen all at once, but over a day or two, word spreads, calls are made, messages go out, and people begin to reach in. Friends, extended family, neighbours, people who have been through something similar before. If I were gone, I would want my family to understand that this is a natural part of what follows. People care, and most are simply trying to be helpful in the only way they know how. But something else begins to happen at the same time. As more people enter the conversation, more opinions begin to surface. Suggestions are offered, sometimes gently, sometimes more directly. Someone shares what they did when they went through it. Another mentions what they think is expected. Someone else focuses on keeping things simple, while another leans toward something more traditional. None of this comes from a bad place, but when it all starts to arrive at once, it can be harder to sort through than people expect. I have seen families reach that point, even if they don’t say it out loud. The decisions are still theirs, but the space around those decisions starts to feel more crowded. It becomes less about choosing what feels right, and more about trying to reconcile everything that has been said. That can create a kind of pressure that doesn’t come from any one person, but from the accumulation of voices. It can leave people second-guessing themselves before they’ve even had a chance to think things through together. If I were gone, I would want my family to feel steady in that moment. Not closed off, not unwilling to listen, but grounded enough to recognize the difference between hearing someone out and feeling like they need to follow what’s being suggested. It’s reasonable to take in ideas. It’s reasonable to consider what others have experienced. But it’s also reasonable to step back and ask, quietly and honestly, what feels right for the people who are actually making the decisions. One of the things that makes this more complicated is that people tend to speak from their own experience. They remember what mattered to them, what felt meaningful at the time, what they wish they had done differently. Those reflections are real, and they often come from a good place, but they don’t always translate in the same way for another family. Every situation is different, and what brought comfort to one person may not carry the same meaning for someone else. I have spoken with families afterward who said this part surprised them. Not because they expected people to stay silent, but because they didn’t realize how much outside input could influence the way they were thinking. Some found themselves leaning in a direction that didn’t quite feel like their own, simply because it had been suggested more than once. It wasn’t intentional, but it was noticeable once they stepped back and reflected on it. If I were gone, I would want my family to trust themselves enough to come back to each other before making any decisions. To take a moment, even briefly, to ask what feels right between them, without the noise of other opinions layered on top. That doesn’t mean ignoring people or shutting anyone out. It simply means recognizing that the final decisions don’t belong to the wider circle. They belong to the people closest to the situation. In the end, what tends to stay with families isn’t what others thought they should do. It’s how they felt about what they chose. Whether it reflected the person they lost, and whether it felt honest to them in the moment. If I were gone, that’s what I would want for my family - not certainty, not perfection, just a sense that what they decided felt like their own. Next week, I will write about something that often becomes clearer once that space settles again: how to recognize which decisions truly matter, and which ones don’t need to carry as much weight.

Meeting Them in Their Game

Meeting Them in

Common Sense Health – Diana Gifford-Jones Video games have a reputation – and not a good one, at least among parents. For years, I kept my distance. “Brain rot” some experts say. I’ve said it myself, often and with conviction. I’ve worried as my four children have grown up, eyes glued to screens. But over the recent holiday weekend, I caved. My now adult children – gamers, all of them – convinced me to join them. When I sensed their genuine excitement at the possibility that I might finally enter their world, how could I refuse? The game was Minecraft, where players explore, build, and survive in a blocky, pixelated universe. Think digital Lego meets wilderness survival, with a dash of engineering. Before I could begin, however, there was the small matter of getting set up. This, I discovered, was no small matter. Out came an assortment of computer equipment that had been gathering dust in closets. A screen, keyboard, and headset. I was instructed to wear ear pods underneath the headset so that I could simultaneously hear a voice chat on my phone and the game’s audio through the computer. There followed a symphony of muting and unmuting on the phone, on the computer, and on the headset. I was assured not to worry. “We’ve got this,” they said. I did not. But soon enough, there I was: seated, wired, and ready. My grown children, now giggling playmates, were scattered across three different cities, with one just down the hall. Yet we were all together in the game. I could literally see their characters running circles around me. Then the real test began. “Click here, Mom.” Easy enough. Except that was merely the beginning of what felt like a neurological stress test. First, I had to grasp perspective. With the click of a button, I could switch from seeing the world through my character’s eyes to viewing my character from the outside. Then came movement. To walk, I had to use the W, S, A, and D keys with my left hand while my thumb hovered over the space bar to make me jump. My right hand controlled the mouse, which required sliding, clicking left and right, and scrolling with the middle finger. This was no walk in the park. My brain and coordination were being tested. At one point, I was tasked with making an iron pickaxe. “Simple,” they said. Except it wasn’t. First, you need to get wood for a handle. Then you must craft a furnace. Next, the mining, for coal and iron ore. Then comes the crucial insight: coal goes in the bottom of the furnace, iron ore in the top. The game requires players to use reason, but I would have been helpless without my kids telling me how to survive. There was laughter. Lots of it. Belly-bursting laughter. There we were: a family spread across distances, connected by technology, having a blast. But I was thinking about the health benefits. Mental agility, hand-eye coordination, memory, and perhaps most importantly, social connection. Most researchers don’t focus on games like Minecraft; they use cognitive-training tests that miss the elements found in the family fun I’m talking about. So they report modest improvements in attention, reaction time, and memory. But my guess is that a little bit of Minecraft among people of my generation goes a long way in boosting cognitive flexibility, spatial reasoning, and the wholesome happiness factor. Will I play again? I’m counting on it. Much as I love a good book or a quiet walk in the woods, I’m intrigued by the potential for games like Minecraft to keep me sharp as I age.

MOM - ‘WHEN I GROW UP I WANT TO BE A REFUGEE…’

MOM - ‘WHEN I GROW UP I WANT TO BE A REFUGEE...’ 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 seen firsthand the economic struggles many people are facing today—from those on the brink of eviction for unpaid rent, to families losing their homes to financial institutions unwilling to grant even a short extension. Across the country, the overall quality of life appears to be declining. Concerns about crime are rising, and the number of Canadians experiencing homelessness continues to grow at an alarming rate. This week, an announcement drew attention: Pickering to host an accommodation site for asylum seekers.According to Durham Region, a former hotel in Pickering is being converted into temporary housing for asylum seekers. The federal government has provided funding for the purchase of the property; however, neither the total investment nor the projected operating costs have been publicly disclosed. The site will serve as the Durham Reception Centre.Let me be clear—I have no issue with immigration. I am an immigrant myself. I came to this country with the same goal shared by many others: to build a better life, respect the laws of the land, and contribute meaningfully to Canadian society.I recall being asked as a child what I wanted to be when I grew up. My answer never changed. I was inspired by the uniform of the RCMP and the idea of serving a country that had given my family so much. To contribute to that legacy felt like both an honour and a responsibility. Today, however, I sometimes question whether that same sense of purpose is as widely shared. Canada has long been a nation built on diversity, but it has also relied on a shared commitment to integration, mutual respect, and civic responsibility. Increasingly, there are concerns about whether that balance is being maintained. At the same time, local governments are making significant financial commitments—such as the reported $7 million allocated toward a reception centre in Durham Region. This raises difficult but important questions: how do we balance support for newcomers with the urgent needs of Canadians who are struggling to afford basic necessities like food and housing? Behind these issues are real people—our neighbours, our families, our fellow citizens. These are conversations worth having, and perspectives worth sharing.

Tailor Your Answers to the Employer’s Needs

Tailor Your Answers to the Employer’s Needs By Nick Kossovan Employers don't care about your past; they care about their future. Yet most candidates walk into an interview prepared to recite their career history (read: water under the bridge) as if it were a biopic. They then wait for questions that'll give them a chance to explain why they're the right candidate for the job. When those questions aren't asked, which is very likely, they feel they didn't adequately convey their suitability for the job. Waiting and hoping your interviewer recognizes your value isn't a viable strategy; it's a gamble with very low odds. Savvy job seekers don't just answer questions; they manage the interview. They don't see the interviewer's inexperience, vagueness, or unpreparedness as obstacles; rather, they see them as opportunities to steer the interview towards their value-add. They also understand that interviews are sales meetings, and it's their job to convince the employer that hiring them would be a good investment. Every interaction with an employer, whether through your resume, cover letter, LinkedIn profile, or especially during interviews, is your chance to show that you understand their business and how you can contribute to their profitability. Based on my experience, the majority of those who conduct hiring interviews do so as an appendage to their core responsibilities. Unless you're speaking with a full-time recruiter or HR, the person across from you is likely your future boss, who has a mountain of other responsibilities. Inevitably, there'll be times when your interview will be an interruption to your interviewer's workday, which, if it's filled with 'goings on', they'll have their head elsewhere. I've conducted many less-than-ideal interviews sandwiched between meetings, 'putting out fires,' or while dwelling on pressing matters. This lack of focus is precisely why your interviewer may not have read your resume, may not remember reading it, and may ask vague, unstructured questions. When an interview starts to feel messy, your initial reaction might be to think, "This isn't going well!" However, a messy interview is an excellent opportunity to sell yourself. Remember, an interview is a sales meeting. Don't wait for perfect questions; instead, subtly guide your interviewer. Tailor your answers to show you'd be a value-add to the employer's profitability. · Weak Question: "So… tell me about your experience." · Tailored Answer: "I've spent fifteen years in operations, but to make this most useful for you, I'll focus on the parts most relevant to this role—specifically where I've led teams through high-pressure execution challenges and reduced overhead by 20%." · Why it works: You're setting the direction. Rather than giving a long, unfocused history of your career, as most candidates do, you're presenting your skills and experience according to the job's requirements. · Weak Question: "Tell me about a challenge you faced." · Tailored Answer: "I'll use an example where a delivery was off-track, and the client was at risk. Since this role requires managing complex vendor relationships, this will show you how I navigate friction points." · Why it works: You've tailored your answer to their needs. You're not just telling a story; you're illustrating your value. · Weak Question: "What is your greatest strength?" · Tailored Answer: "My strongest skill is identifying operational bottlenecks before they hit the P&L. For Vandelay Industries, which is scaling quickly, this means I can ensure your growth doesn't outpace your infrastructure." · Why it works: You've turned a personality trait into a business asset. · Weak Question: "Where do you see yourself in five years?" · Tailored Answer: "In five years, I plan to have mastered this market segment. But more importantly, in the first six months here, I intend to have your new regional office operating at full capacity so that the five-year goals we set are starting to be visibly accomplished." · Why it works: You've brought a hypothetical future back to you, being a hire that'll offer an immediate ROI. You're also telling them you're focused on their five-year plan, not just yours. · Weak Question: "Why should we hire you instead of someone else?" · Tailored Answer: "I'm not here just to do a job. I'm here to take on your challenges. This job appealed to me because of your recent expansion into the Toronto market. I have the specific vendor contacts and local regulatory experience that would enable me to shave three months off your rollout time." · Why it works: You've moved from "I'm a hard worker," which every candidate claims to be, to "I am a strategic partner who can provide an advantage." Guiding your interviewer, if necessary, isn't about taking control or appearing boastful. Instead, it's about helping them easily recognize your value. The more specific and relevant your responses are to the value you delivered to your previous employers, the less effort your interviewer needs to assess your value. The quality of your answers (read: their influence on your interviewer) is measured not by how long you talk, but by how effectively you communicate that you can influence the employer's profitability. When your interviewer appears disengaged or seems to be struggling, don't get frustrated. Instead, do your best to provide answers that'll help them see you have the skills, experience, and drive to influence profitability.

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.

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.

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.

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.

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.”

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 ....

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.

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.

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.

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.

WANTING TO KNOW!!!

WANTING TO KNOW!!! A Candid Conversation By Theresa Grant Real Estate Columnist I read a story recently and it prompted me to want to know how my City Councillor voted on a particular matter. I was a bit surprised to find out that in order for me to know how my Councillor voted I would have to go through several steps, navigate from one screen to another and go back and forth with the Clerk’s office a few times. Yes, if you are trying to find out information that should be readily available to the public you will indeed need to pack your patience. So, that exercise naturally brought to mind the question of recorded votes. Why does Oshawa not have a recorded vote process in place? I cannot imagine a single resident that would be against such transparency. And that by the way is the only actual way to have transparency in Council. Everyone runs for a seat on Council saying that they will be transparent and yet we here we are, having to jump through hoops and waste our time trying to figure out how a Councillor voted. There is only one reason for this, and it is simply that the Councillors don’t want you to know how they voted. Toronto has recorded votes on every matter so that the public can easily see how the Councillor that represents them voted on the matter at hand. This is especially important when the matter is contentious. People want to have their say and be heard. They want the person who they elected, to speak for them. That is in fact why they were elected. Closed door or unrecorded voting smacks of underhanded dealings, and if there is nothing going on that the public needs to be concerned about then the votes need to be recorded, every time. London and Guelph also have a recorded voting system. There is no reason that Oshawa does not have a recorded voting system. What needs to happen is the public needs to push for that. Recently, The Region of Durham held their vote on the budget. When Councillor Brian Nicholson reported how each individual Councillor voted, apparently (according to him), he was questioned by some Councillors as to why he reported to the public how they voted. I can only assume that the Councillors questioning the reporting of the votes were the same Councillors that voted to increase the taxes by 4.8%. I think Council should adopt a recorded voting system and not hide behind closed doors. I know that my Councillor Derek Giberson, who is not a Regional Councillor, so he didn’t get a vote but that didn’t stop him from penning an open letter to Regional Council to ask them to go with the higher tax increase and not try to sell the public on the illusion of savings by adopting the lower of the tax increase options. Nice work Derek, you should be very proud of yourself. I guess we’ll see what the public thinks of your efforts this October.