Dollars and Sense

 

Dollars and Sense

Q What advice would you have for a retired couple who twice came to the financial aid of their adult son? The first time he was laid off and unable to make payments. The second time he racked up another bill, could not make payments, and came to us after a court date was announced. He is married with three children. I would never have thought he would take money and just stop making payments, after making just two. This situation has totally wrecked our relationship. Now we don’t speak or communicate at all. Because we trusted him 100%, the loan was done with no more than a handshake and a promise of regular payments each month. The money amounts to a little over $12,000, and we can make it either way. It’s more that he has broken his word to us. That hurts more than the money. I have a feeling he has more bills and the biggest problem is his wife. For some reason, she never warmed up to us. I will put it this way. Several times since they married there have been run-ins, most often because of something taken wrong in a conversation. But we have never intentionally said or done anything to cause distress or harm. If something could be taken wrong, that’s how she takes it.

The last time I spoke to my son, he thought his wife was making monthly $250.00 payments to us, and I had to inform him it was simply not true. I made him promise to speak with his wife and call me back. I have not heard from him since. We are far from perfect, but we always try to do what is right. If I ever get to the point when I feel there is nothing to lose, I might take him to small claims court. I don’t believe he is happy about this situation. He twice needed money, and both times we were there for him. He also knows that both times he gave his word to make good on the debt. I guess he will have to live with that every time he looks in the mirror. Most of all, I hate not seeing our grandson, and I fear that isn’t going to change. I’m sorry for dumping my troubles on your lap. Royce

A Royce, an old nursery rhyme says, “Peter Peter Pumpkin Eater had a wife but couldn’t keep her.” Your son may have a wife he can’t keep because he doesn’t have enough money to satisfy her. But he wants to keep her, even to the point of damaging his relationship with you.

He thought she was making payments to you, but she wasn’t. Our surmise is that your son is in worse financial shape than you know.

Perhaps his wife’s dream of white picket fences must be fulfilled without regard to their income. Perhaps she handles the money in order to conceal things from her husband. Perhaps she causes problems because she is the problem. Our suggestion is this. Do not go to court. You don’t want to alienate your son. Also, don’t lend him any more money. We suspect your son didn’t call you back because there was nothing he could say. “We don’t have the money. My wife lied to me. I don’t know what to do.” But he can’t make himself say that. He may be too embarrassed to talk to you because he finds the problem insoluble.

For now, leave the ball in his court. Behave normally. Send the normal birthday cards and gifts. Make customary plans for Thanksgiving and Christmas. Remain open so that he can come to you in every way but financially, and cut your losses at $12,000. If they go into bankruptcy, they go into bankruptcy. Some parents lose a son to illness, some to an accident, some to a wife. Growing up it appears you had a good relationship with your son. Now he must grow up a little more and learn to deal with money, and his wife, in a realistic way. The wisest course is to be open to him, if and when he comes to understand that.

Wayne & Tamara write: Directanswers@WayneAndTamara.com

MICRO SOLUTION TO A MACRO PROBLEM

 MICRO SOLUTION TO A
MACRO PROBLEM
By Joe Ingino
Editor/Publisher

“I live a dream in a nightmare world”   

    Why is it that it appears that  our elected official will not do something without some sort of political gain.    This week The Region of Durham is partnering with Lakeridge Health, Ontario Tech University and Durham College on the Oshawa Micro-Housing Pilot Project.
  A 10 modular home complex smack in an already economically depressed area of Oshawa.   Does that sound to you like good planning.  It is obvious that in Oshawa we have a huge homeless problem. Not to mention all the folks living on the edge of economic bankruptcy as they can’t afford the exuberant rents landlords are asking now a day.
  The attempt to find a solution is nothing short of an insult to those that need homes now.  To me this is nothing but yet another attempt by the University to use the people of Oshawa for their benefit.
Durham Regional Chair John Henry says the partnership between the region and Lakeridge Health, Ontario Tech University and Durham College will support the success of the Oshawa Micro-Housing Pilot Project by ensuring participants have access to the supports and services they may need.
“No one should get left behind or fall through the cracks, and, by working collaboratively with our community partners, we can end chronic homelessness in Durham Region,” says Henry.
  He has to be kidding.   ‘NO ONE SHOULD BE LEFT BEHIND’.  Really.   So with 10 modules you will serve the need of the homeless?
When the need is 1000 time more to say the least... but wait let’s let the good self appointed academia treat our people like ginea pigs in order to extract research grants from the Feds.  
This insane micro solution does not even come close to alleviating the real Macro problem we are facing in Oshawa.   
The evaluation plan will be led by Dr. Tyler Frederick, associate professor at Ontario Tech University, who is partnering with the region in-kind to develop this plan and apply for research funding.
Here is the truth.  This is not about the poor of Oshawa. This is not about the homeless.  This is about the OTU looking for ways to bleed the government for grants.
  This is what I would do.  First we have to assure that whatever we do.  We do it with the notion of maintaining the integrity of the area and the property values around it.  I propose we take back our lands that GM claims to be theirs.   DID YOU KNOW THAT THE GM LANDS ARE THAT OF THE PEOPLE OF OSHAWA.   THE DEAL WAS THAT FOR AS LONG AS GM PRODUCED CARS.  THEY HAD A ONE DOLLAR A YEAR LEASE AS THE PROPERTIES WERE GIVEN TO THE CITY BY MCLAUGHLIN.   With this said. I as your City Mayor would take back the lands from GM.   Primarily the GM pain line.   Turn that whole area into 20-30 level complex and offer them scheduled rental amounts.  This eliminating the treatment of less fortunate as second class citizens.  Take the rent right out of their social service cheques.   Offer the opportunity to dig themselves out of poverty by helping them secure a proper way of living.  Standards would be set in order to assure the property would be kept up.  The current security force the City employ would be used to assure safety and security.  Those suffering from addiction or mental health issues would become by mandate awards of the hospital until such time as the hospital would take liability in the event of an episode at the stated facility.  As it stands... sure the hospital the university will partner up... they have nothing to loose and all to gain.  This Micro solution is an insult to those suffering the real Macro problem.

TO BE OR NOT TO BE ELECTIONS

 TO BE OR NOT TO BE ELECTIONS
    by Maj (ret'd) CORNELIU E. CHISU, CD, PMSC,
FEC, CET, P. Eng.
Former Member of Parliament
Pickering-Scarborough East

With political parties itching for an early election, the question is whether an election at this point will warrant the attention of the people. With the Covid pandemic in recess, Canadians are starting to focus on the recovery of the economic.
However, many factors beside political ambitions are in place, which will determine the call for elections sooner or later. Indicators are strong, now that Canada has a Governor General and the minority government is starting to believe strongly that that they might have a good chance of getting a majority. Supported by the Conservative opposition's lack of ideas and the NDP's further drift to the left, an early election call is very close to reality. Pollsters say there is a window this fall in which the Liberals could win a majority, as Canadians embrace the freedom of being vaccinated and the latest budget injects billions of dollars into the economy.
Of course the timing of the election is important, since the pandemic seems to be a highlight in the Liberal government's performance in the eyes of Canadians who are now naturally starting to shift their focus towards economic recovery. In fact, attention shifting to the economy will not favor the governing Liberals who have spent, and continue to spend recklessly. So the window for an election favorable for them seems to be now rather than later.
Earlier this month the Bank of Canada also painted an optimistic picture of growth heading into the second half of the year, before the economic storm which is bound to come, will hit.
Another potential source of trouble is that with cold weather approaching, instead of fading from peoples' minds, COVID-19 will come roaring back as more contagious virus variants spread.
This is happening in the United States and elsewhere.
Despite the variety of issues on the carpet, the ultimate decision to ask the Governor General for an early election will be with the Prime Minister. How this will play out remains to be seen. The long-standing tradition of the Governor General acceding to Canadian Prime Ministers' requests to dissolve Parliament will practically push Mary Simon to accept a plea from Justin Trudeau to call an election. However, NDP Leader Jagmeet Singh has asked Simon to refuse any requests from Trudeau that would send voters to the ballot box, noting that the fixed-election law states that every general election must be held on the third Monday of October four calendar years after the last one.
In a letter to the Governor General Singh has stated that the law allows for an early election if  the government has lost the confidence of the House, but the Trudeau government has won every confidence vote it has faced, including the one on the speech from the throne and the budget. As usual, the NDP leader is telling half truths, in that the prime minister has the right to ask the Governor General to call an early election under the Constitution and the fixed-election law brought in by the Harper government did not change that.
However, surprises during election campaigns are not uncommon, in fact they often happen.
Who is to say that there won't be distressing news on the pandemic or the economy just around the corner, or some other unknown issues of the day for that matter? Who's to say the polling, an increasingly hazardous enterprise, is accurate or that it won't change after the writ is dropped? There is one very big constant in Canadian political history that plays strongly to the Liberal advantage and should not be overlooked. They have been and they still are the natural governing party. Other things being relatively equal, they will win. The Liberals have been in power for 71 of the last 100 years, 31 of the last 50. They have emerged victorious in 25 elections, compared to the 18 Conservatives victories.
In their political orientation, Canadians are predominantly progressive. It is evident in almost every election, wherein the combined vote of centre-left parties easily surmounts that of the conservative vote. However, that might change in view of the rise in globalist trends that work against national interests. That might give a real chance to new political parties who are more nation oriented. With a weak Conservative weather vane leader and a party lacking in constructive ideas, there is a real possibility that the Liberals will win a majority right now. To stop the Liberals, they'll
need a series of fortuitous campaign surprises which are less likely to occur. Then, as expected,
the natural governing party, the Liberals, will win again. Modern history also shows roughly 10-year governing stretches for parties before fatigue sets in. The Trudeau Liberals have only been in power for six years, suggesting that voter fatigue likely won't put the Conservatives over the top this time. A loss or a poor showing in the upcoming election for the Conservatives will signal a crisis in the party similar to that of the Liberals' Dion, Ignatieff fiasco. With Scheer's shredding of conservative values, followed so closely by O'Toole erring left right and center, there is some danger of a similar scenario unfolding for the Conservative Party. Maybe it is a time for Canadians to look for new parties to support. Parties with more Canadian oriented than globalist views, such as the emerging Peoples Party of Canada. In conclusion, we seem to be gearing up for an early fall election. Do not forget to vote for what you believe in.
Till then, continue to have a good summer.

Final Curtain

 Final Curtain
  Q My girlfriend Jessie and I were together four years. Recently, she went on a two-week family holiday. During those two weeks, I went for a night out with my work colleagues. I got extremely drunk and kissed a girl from work.

     I felt guilty the next day, but a few days later I told my friends, who are also her friends, that I wanted to break up with her. I didn’t, but I was confused at the time.
     The following Saturday, she came home. We went out that night, and I was so confused I told her we should break up. She thought I was playing games.

     She left the pub, and I followed. I told her, “I met somebody else.” I shouldn’t have said it that way, as I did not meet another girl. I just kissed her. It was the biggest mistake of my life.
     Over the next few weeks I tried contacting Jessie, but she would not answer her phone or reply to my texts. In the end, sometimes after work I drank too much and sent her text messages, some of which I’m not proud of.

     Because I was hassling her, she changed her phone number. I met up with her a few weeks later, and she talked to me for 20 minutes. She said we may be friends again, but that will be it.
     I was with Jessie four years, and we had a great relationship. I know we had our arguments, but every couple has arguments. The problem is, sometimes when we went out drinking, I would humiliate her about her weight, her makeup, or something else.
     I know I screwed up. I used to mess with her clothes when we were out in the pub, for example, lifting up her skirt, but that’s just me messing around.
     I have seen her a few times since we broke up. I send her a letter every week begging or groveling to give me a second chance. I know the mistakes I made and would not make them again.

     When I called Jessie’s house last Saturday, she wasn’t in. She rang me 30 minutes later and asked why I was still writing to her. I asked, could we meet up for a coffee?, but she said she didn’t want to as I would cry into my coffee, which is what happened last time.

     She says she is happy, and if she went back with me, she would go backwards. She said the next time she sees me in the street, she might say hello or she might not.
My heart inside was crushed. Is there anything I can do to get Jessie back?
Robert

A Robert, how is this a mistake?
     You kissed a girl in a bar. Perhaps you had too much to drink, but you weren’t drunk when you told mutual friends you wanted to break up. And when you broke up with Jessie in a pub, you said you had someone else.

That’s three “mistakes” in a row. That shows intent.
What you didn’t tell us is what you were trying to gain. Did you want to make her jump through hoops to get you back? Were you paying her back for an imagined sleight? We don’t know.
But she did not come crawling back, you did not get makeup sex, and your plan went awry.

     Often with letters like yours, the letter writer thinks they could do better. But the way you went about it, made it impossible for her to take you back. It would make her the beggar in the relationship.

She did what we would have told her to do, had she written us. Don’t take calls from him; don’t let him whisper in your ear; don’t let him wheedle his way back in.
You say you were confused, but you staged such a convincing show it was believed by all. Now you claim it was only an act, but what a great act it was. The audience applauded wildly, and you took a curtain call.

     Your letter is about how you didn’t get what you wanted, not about how you injured her. All your sorry is for yourself. Why are you concealing why you did it? Because it is not something you can say out loud.
     This was the classic breakup intended to hurt, and she was the last to know. You sealed the deal with a kiss. If you can’t be honest with us, at least be honest with yourself.
Wayne & Tamara                                             write:  Directanswers@WayneAndTamara.com

How Accurate Is Your Blood Pressure Reading?

 How Accurate Is Your Blood Pressure Reading?

 W. Gifford-Jones, M.D. and Diana Gifford-Jones
  Having your blood pressure taken during an annual checkup is always part of the routine. In fact, compared to CT scans and MRI procedures used to detect complex problems, most people don’t give blood pressure readings much thought. As long as the doctor reports normal readings, there’s no reason for concern. But have you ever wondered if your blood pressure reading is accurate?
Multiple studies have shown that 15 to 30 percent of those who have elevated blood pressure in a doctor’s office or other health care setting have normal blood pressure when checked at home. It is not shocking news. You must be a pretty cool patient not to be somewhat uptight in medical offices. There is always the concern the doctor will have bad news.
What may be a surprise is that there are 19 requirements to obtain a true blood pressure reading! How many of these measures are followed in a busy doctor’s office?

For instance, patients are required to sit for five minutes before a blood pressure reading is taken with back supported and feet flat on the ground. This means that perching on an examining table with feet dangling is a no, no. So is crossing your legs. Never place the cuff over clothing. And at least two measurements should be taken during the visit, with the average being recorded.

Patients should also relax and breath normally. Smoking before the test, consuming caffeine, or exercising all forbidden before a blood pressure reading. And it you are on hypertensive medication, don’t take it just before the visit to the doctor’s office.
Another important no-no which you may not have considered is that blood pressure must not be taken when you have a full bladder. So, have the courage to say, “Doctor, before you take my blood pressure, could you wait for a few minutes so I can use the bathroom?”

What about the blood pressure cuff? A cuff that is too small or large can cause an unreliable reading. So can a cuff that is too tight or not tight enough. Your arm should be resting on a table roughly the height of your heart while blood pressure is being taken. A series of readings over time are more accurate if taken at the same time of the day in a similar context.

Do you still have blind confidence in your blood pressure readings? If you have been prescribed blood pressure medication, do you need it? Or was the diagnosis the result of “white-coat hypertension”?
If these basic blood pressure requirements are not filled during a medical examination, patients left with a quandary. It requires a strong personality to say to the nurse or doctor, “I’m worried this may be not an accurate blood pressure reading because you failed to follow the standard procedures.” It’s not the best way to engender good relations between doctor and patient. So, what else can be done?

For anyone taking blood pressure drugs, it’s prudent to purchase an automatic digital blood pressure monitor. These are more accurate than the traditional manual devices used in offices that require a squeeze of the rubber bulb to inflate the cuff. All you have to do with a digital device is to wrap the cuff around the arm, push the button to inflate the cuff, and in a few moments, you have the result.

Now it’s easy to say, “Doctor my digital cuff says my blood pressure is consistently 130/80 when I am at home. Maybe I just have white coat hypertension.”

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Our 2021 Civic Holiday

 

Our 2021 Civic Holiday
    by Maj (ret'd) CORNELIU E. CHISU, CD, PMSC,
FEC, CET, P. Eng.
Former Member of Parliament
Pickering-Scarborough East
   As we are approaching our Civic Holiday on August the 2nd let us think for a moment of relief from the pandemic blues. Let us celebrate with our family and friends in this beautiful but short Canadian summer. Let us be optimistic about our future.
The Civic Holiday is not a statutory holiday although it's a day off for many employees across the country. The Civic Holiday is commonly referred to as the August long weekend. It is probably the busiest day on highways as tens of thousands of families go camping and to cottages on that weekend.
So let us see a little bit of history of the Civic Holiday in Ontario. The origins of a holiday on the first Monday in August appear to date back to 1869 when Toronto City Council organized the first "day of recreation."
In Ontario, the first Monday of August is technically a municipal holiday, as it is not designated as an official statutory holiday by provincial legislation even thought various private member's bills have been introduced in the Ontario Legislature attempting to make it official, but none has passed to date.
As such, the holiday takes on different names and celebrates different subjects according to municipality. Many Ontario municipalities have chosen to honour a significant local person or organization in order to localize the celebration; when not given a local name (such as in Mississauga), the day is often generically referred to as "Civic Holiday" or "August Civic Holiday".
In 2008, the Ontario Legislature passed a law identifying the first of August as "Emancipation Day", as the British Parliament abolished slavery in the British Empire as of August 1, 1834. It still does not make it an official holiday, however.
The Civic Holiday is now known by one of a number of local appellations, including, among others:
-"Founders' Day" in Brantford (named in 1982): each year, the Brantford Heritage Committee submits a report to City Council with the name or organization that is to be recognized on that day.
-"Joseph Brant Day" in Burlington (): celebrating Joseph Brant, the Mohawk Chief who became known for his treaty negotiations and loyalty to the British.
-"James Cockburn Day" in Cobourg (1999): celebrating James Cockburn, one of the "fathers of Confederation".
-"John Galt Day" in Guelph (2006): celebrating John Galt, the Scottish novelist and businessman who founded the city.
-"George Hamilton Day" in Hamilton: celebrating George Hamilton, the eponymous founder of the city.
-"McLaughlin Day" in Oshawa (1983): celebrating Robert Samuel McLaughlin, who brought General Motors to Oshawa.
-"Colonel By Day" in Ottawa (1996): celebrating Colonel John By, who led the construction of the Rideau Canal and founded Bytown, which became the city of Ottawa.
-"Peter Robinson Day" in Peterborough: celebrating Peter Robinson
-"Alexander Mackenzie Day" in Sarnia (1998): celebrating Alexander Mackenzie, the 2nd Prime Minister of Canada.
-"Simcoe Day" in Toronto: celebrating John Graves Simcoe, the first Lieutenant-Governor of Upper Canada and the leading proponent of the Act Against Slavery.
-"Benjamin Vaughan Day" in Vaughan: celebrating the eponymous Benjamin Vaughan
Here in Durham Region in Oshawa let's have a look at who  Robert Samuel McLaughlin was.
Colonel Robert Samuel McLaughlin, CC ED CD (September 8, 1871 - January 6, 1972) was a Canadian businessman and philanthropist. He started the McLaughlin Motor Car Company in 1907, one of the first major automobile manufacturers in Canada, which evolved into General Motors of Canada.
McLaughlin was born in Enniskillen, near Bowmanville Ontario, to Robert McLaughlin and Mary Smith. As a young man, he worked briefly in a local hardware store, then in 1887 became an apprentice in his father's company, McLaughlin Carriage Works, which had opened in 1867. At one time it was the largest manufacturer of horse-drawn buggies and sleighs in the British Empire.
In 1892, McLaughlin and his brother George become junior partners in their father's company.  In 1898, he married Adelaide Mowbray.
He started producing the McLaughlin-Buick Model F with engines bought from William C. Durant of Buick, incorporating the McLaughlin Motor Car Company on November 20, 1907. In its first full year of operation, 1908, it produced 154 cars. By 1910 he was a director of General Motors. He sold his Chevrolet company stock in 1918, becoming president of General Motors of Canada, which continued to sell cars under the McLaughlin-Buick brand until 1942.
Though he retired in 1945, he remained chairman of the board until his death and remained on the board of General Motors until the early 1960s. He was replaced by Royal Bank of Canada president Earle McLaughlin, his first cousin once removed.
His older brother, chemist John J. McLaughlin (1865-1914), founded the Canada Dry company. After his brother's death in 1914, McLaughlin became president of this company until it was sold around 1923. The longest continuously-serving colonel in the history of the Canadian Forces, McLaughlin was appointed as honorary lieutenant-colonel of the 34th Ontario Regiment (1921 - 1931), when he was appointed as honorary colonel of the same unit, later designated as The Ontario Regiment (RCAC), a reserve armored regiment based in Oshawa. Affectionately known as "Colonel Sam", McLaughlin served as honorary colonel until 1967.
In 1967, McLaughlin was appointed a Companion of the Order of Canada.
A great Canadian, McLaughlin made a lot of charitable contributions.
In 1951, he established the McLaughlin Foundation which, donated nearly $200 million between 1953 and 2003 to the University of Toronto and other educational causes, including the McLaughlin Planetarium at the Royal Ontario Museum.
At Queen's University in Kingston, Ontario, the university's Mechanical Engineering Department is housed in McLaughlin Hall, his donation in 1948. McLaughlin Hall in Queen's University's John Deutsch University Centre is also named for him. Queen's honored his wife, Adelaide McLaughlin, in 1957, by naming the women's residence Adelaide Hall.
In 1947 McLaughlin and his wife donated land for "Camp Samac", a Boy Scout camp on the outskirts of Oshawa.
McLaughlin donated $1 million to the 1968 library building at the University of Guelph, which bears his name.
He provided partial funding to build McLaughlin College at York University in Toronto, opened in 1968. In recognition for his contributions to St. Andrew's College in Aurora, Ontario, McLaughlin Hall is named after him, which he unveiled in 1971 at the age of 99.
He endowed the Regimental Foundation of the Ontario Regiment (RCAC) and quietly paid the salaries of some of the regiment's soldiers during times of severely curtailed government funding. McLaughlin House at the Lester B. Pearson United World College of the Pacific also bears his name.
He gave generously to the art community, donating paintings from his personal collection. Among other gifts, he gave Lawren Harris`s Pic Island, Arthur Lismer`s Bright Land, and Emily Carr`s Old Tree at Dusk to the McMichael Canadian Art Collection in Kleinburg.
So get ready to celebrate but remember that here in Durham region in Oshawa, we have history to tell. Have a safe celebration.

It Starts with Your Cover Letter's First Paragraph

 It Starts with Your Cover Letter's First Paragraph
By Nick Kossovan
  You may recall in an earlier column I stated whether requested or not, not including a cover letter is lazy. Most hiring managers don't hire lazy, thus the importance of including a cover letter.

A cover letter is a one-page letter (no more than 250 words) whose job is to get the reader to read your resume, as well as persuade why you should be interviewed. At this stage of your job search, focus on getting interviews, not on getting a job offer. Job hunting is a step-by-step process.

Warren Buffett gives the following advice in Gillian Zoe Segal's book "Getting There: A Book of Mentors" - "Focus on your communication skills." His reason, "What's essential is being able to get others to follow your ideas." Persuasive writing displays strong writing skills; a skill employers value. Above all hard skills, I value communication skills the highest. I gravitate to candidates who show such skills.

Remember, the reader will not be reading; they'll be skimming. It's paramount you start with how you can add value to the employer.
TIP: Paste your cover letter into Hemingway App (www.hemingwayapp.com). This free app will assist you in making your writing concise and clear. As well, it'll highlight lengthy, complex sentences and common errors.

After you greet the hiring manager (by name), you'll begin your cover letter's first paragraph. This is where the rubber first meets the road - you'll be introducing yourself. Either you'll grab the reader's attention, and they'll keep reading and open your attached resume, or they'll click on the trash icon.
I've read more than my share of boring cookie cutter cover letters. Most didn't inspire me to keep reading after the first sentence.
Your opening paragraph doesn't need to be extravagant. Keep it simple and straightforward. State why you're writing, the position you're applying for and how you found out about the job opening.

Almost all job seekers start their cover letter with, "I'm applying for X job I saw posted on Y place." This is a waste of a cover letter's most valuable real estate. Lead with a strong opening sentence!

EXAMPLE 1 (simple, to the point):
"I'm an IT professional with more than 15 years of experience looking for an opportunity to apply my skills in new ways. I'd love to bring my expertise and high energy to your growing development team at Sirius Cybernetics Corp."

EXAMPLE 2 (show enthusiasm):
"I'm excited to see Clampett Oil is hiring an event manager who's skilled at increasing brand awareness and driving growth with high-traffic events. I've attended several of your company's speaking events. Their high calibre impressed me. With five years of experience coordinating events in the corporate world, I'm confident I'd be a great fit for the role."

EXAMPLE 3 (show your results):
"Last quarter, I increased Gringotts Instagram followers from 6,377 to 11,633. I also executed two successful ad campaigns that generated over $28,000 in revenue. I'd love to bring my social media expertise to Oscorp as your next social media manager and expand your social reach and deliver above-average ROI."

EXAMPLE 4 (mutual connection):
"When Alex Johnson, a former colleague, told me you were hiring for a Director of PMO, I knew I had to apply. Alex and I have worked together for many years, most recently on a complex data analysis project at Oceanic Airlines. He believes I'd be a good match for this position on your team."

TIP: It's worth the effort to find or create a connection within the company you're applying to and bring it to the hiring manager's attention. Mentioning a connection will set you apart from the other applicants. This is the reason why those who understand the value of networking land the plumb jobs.

An eye-catching first paragraph will be descriptive and robust. Action words such as "generate," "deliver," and "execute" will make your opening stronger.
Next week I'll discuss your cover letter's second paragraph, which is your sales pitch. I like to start with, "Let me draw your attention to two reasons why I'd be a great addition to (your team, your department, ABC Inc.)." For now, list 5 - 6 reasons, qualified, why an employer should hire you.
Nick Kossovan, a well-seasoned veteran of the corporate landscape, offers advice on searching for a job. You can send him your questions at artoffindingwork@gmail.com

CAN WE AFFORD TO GIVE AWAY 17.7 MILLION?

 

CAN WE AFFORD TO GIVE AWAY
17.7 MILLION?
By Joe Ingino
Editor/Publisher

“I live a dream in a nightmare world”   

    I don’t know about you.   But I keep seeing and hearing of all the people undergoing economic hardships across the region.  Stores keep closing, people keep loosing jobs, mortgages and hope.  
  It seems as the gloom and doom cloud can’t be shaken.   On top of that we could be yet be facing another wave of the Delta variance.
How much more can the people of Canada take.   I must admit that the Federal government has been quick to respond by extending numerous plans to assure everyone in need gets some sort of assistance.
Sadly many people I talk to do not know that they are entitled to apply or for that matter even know how to.
Others get entangled in red tape only to become discouraged and given up.
This week a news item came across my desk.  It read:  Canada donating 17.7M AstraZeneca COVID-19 vaccines amid global disparities.
Canada continues to rapidly ramp up vaccinations against COVID-19 but there remain stark inequities in vaccine access globally, the WHO has warned.
  Now don’t get me wrong.  Nothing wrong with being generous and giving.... but should we not be thinking about our people first?
We have a record number of homeless people walking our streets.  We have a record number of people loosing their homes, jobs.   Should we not invest that money in our people?
I know the cry.  The government is doing all they can to assure people do not go without.
I can respect that.  My question is then why the need to give away 17.7 million that could go as a top up to those in need?
This covid thing is not over.  The number are being managed but the threat is still very real.   
I must acknowledge that in th covid model it appears that we found a magic bullet with possible two outcomes.  On the one.  It appears to have an impact on the spread of the virus.  On the other we are yet to uncover the true and real side ramifications of all jumping in front of the silver bullet.
 Will it hit its mark or will it end up killing us.   Did we just prolonged life only to come to realize that the cure is worst than the infection.
The theorist amongst us are already ramping up all kinds of things from the coincidence of the G5 network implemented across north America at the same time as everyone is being forced through fear of illness to vaccinate with nano-tech activator as inhibitors.   The reality of it is.  That we need to assure we Canadians lives quality of life is preserved and that before we give away any money in the name of charity or humanity to other nations, that we Canadians are taken care.

Turning Point

 Direct Answers
from Wayne & Tamara

Turning Point
Q I am a 36-year-old woman. I purchased a home with my husband five years ago. Shortly after, things went downhill, just like my first marriage. He didn't pay attention to me, I was lonely, and I felt so unloved and unwanted.

     My husband’s son from a previous relationship was living with us at the time ,and he had friends who would frequent our house. One in particular I became close to. Eventually we started spending a lot of time together.

     I thought I was crazy because I felt more than I should have, seeing as he was only 16 at the time and I was 32. The age of consent here is 16.

     We began to flirt, then the big thing happened. We started to be intimate. I fell for him and he fell for me, and we have been together since. Until recently that is. He started saying cruel things about our age difference.

     He doesn’t want to let go, and I definitely don’t want to either. I hurt so bad inside because I really do love him. I have been separated from my husband on and off through the last four years. I don’t believe I can save my marriage due to the strong feelings I have for this young man.

     I need advice because all the people I know wouldn’t know what advice to give. I am confused and feel so all alone.
Debbie
A Debbie, forty years ago V. C. Andrews published Flowers in the Attic, her first novel. Critics were not kind. One called the book “deranged swill.”

     Andrews specialized in tales of forbidden love, forbidden acts, and family secrets. Some of her characters were without conscience, without morals, and without character. Some of her stories leave you with a feeling of yuck. But the books were page-turners.
     Your story has the potential to be a page-turner, too. It also has the potential to leave you with a feeling of yuck.
     The plot of your life is simple. A lonely young woman seeks love. She marries twice, but neither marriage gives her what she wants. She wants to be the center of a man’s world. Perhaps she was so hungry for love she thought each day would be like the day she got engaged.
     But new car smell doesn’t last forever, especially with the wrong man.
     Still craving to be loved, she starts looking at the boys who come into her home. Deep down, she knows that is just convenience.

     But she goes forward with one of them. He goes forward too, not because he loves her but because he loves having sex with her. He is too immature to think beyond that.
     Now, like a vintage V. C. Andrews novel, your plot is stretching toward the forbidden.
     Debbie, perhaps the level of attention you need cannot be sustained by a man. But the bigger question is what are you doing to make yourself feel important, valuable, and useful?
     The plot of your life has the potential to make you a villain. And while it is true that every good story needs a villain, there will be little comfort for you in becoming one.

     Then again, maybe you are the victim in the story, because you were never schooled in the right routines of life. But being a victim will not give you comfort either.

     We want you to be the heroine of your own story. However, every good story must have a turning point, where the heroine takes a stand and alters the course of her life. The turning point in your story entails divorce, separating from a young lover, and getting professional help.
     There is a memorable story told about Mohandas Gandhi. Gandhi was on a train at a station. As the train began to pull out, a reporter came to the window and asked Gandhi for a message he could give to his readers.

     As the train moved slowly away, Gandhi wrote something on a piece of paper and handed it to the reporter. On the paper, Gandhi had written, “My life is my message.”
     What message do you want to send with your life?
Wayne & Tamara                                             write:  Directanswers@WayneAndTamara.com

Are You Missing Life's Moments Because of Social Media?

 Are You Missing Life's Moments Because of
Social Media?
By Nick Kossovan

Recently my wife and I watched the movie Before Sunrise [1995], starring Ethan Hawke as Jesse and Julie Delpy as Celine. While travelling on a Eurail train from Budapest, Jesse, an American, sees Celine, who's French. It's Jesse's last day in Europe before returning to the US. Jesse strikes up a conversation with Celine, and they disembark in Vienna to spend the night wandering Austria's capital city.
Summary: Before Sunrise is a back-and-forth conversation between a romantic [Celine] and a cynic [Jesse].
During the closing credits, I turned to my wife and said, "That wouldn't have happened today. Jessie and Celine would have been staring at their respective smartphone throughout the train ride, which in 2021 would have free Wi-Fi, not noticing the passing scenery, their fellow passengers or each other, let alone start a conservation."
How much of real life are we trading to participate in the digital world?
I have this problem; actually, it's more of an addiction I need to keep in check constantly. I suffer from FOMO [Fear of Missing Out].
You've probably heard of FOMO. Odds are you suffer from it to a degree. FOMO is that uneasy feeling you get when you feel other people might be having a good time without you, or worst, living a better life than you. FOMO is why social media participation is as high as it is. FOMO is why you perpetually refresh your social media feeds, so you don't feel left out-so that you can compare your life. FOMO is what makes social media the dopamine machine it is.
FOMO has become an issue, especially for those under 40. More and more people choose to scroll mindlessly through their social media feeds regardless of whether they're commuting on public transit, having dinner in a restaurant, or at a sports event. Saying "yes" to the digital world and "no" to real life is now common.
Your soulmate could be sitting a few seats over on the bus (or Eurail train), or at the diner counter, or in the doctor's waiting room. However, you're checking your social media to see if Bob's vacationing in Aruba with Scarlett or if Farid got the new job and may now be making more money than you. Likely, your potential soulmate is probably doing the same.
Look around. Everyone is looking down at the screen in their hand, not up at each other.
We all know Facebook, Instagram, Twitter, Snapchat, et al. [even LinkedIn] doesn't provide a very well-rounded picture of people's lives. Most of what people post is cherry-picked to elicit self-affirming responses, such as likes, thumbs-up and hand-clapping emojis, retweets, shares, and those coveted comments of "Congratulations!", "Way to go!", "You're awesome!", "Looking good!"  
The Internet, especially its social media aspect, equates to "Look at me!"
Sometimes I wonder, if bragging and showing off were banned on social media sites, how much would posts decrease?
"Stop paying so much attention to how others around you are doing" was easy advice to follow pre-Internet (the late 90s). Back in the day, it would be only through the grapevine you were a part of that you found out if Bob was in Aruba with Scarlett and that be without pictures. Evidence of how others are doing, strangers included, is pervasive because undeniably, most of us care about status. In 2021 how people are doing is in the palm of our hands, so we tend to give more time to the device we're holding at the cost of neglecting the real-life happenings within our immediate surroundings.
Social media has made us a restless, anxious bunch underappreciating the present moment. With lockdown restrictions lifting and more social activities taking place, people will be hunkering down on their smartphones more than before to see what others are doing. They'll see the BBQ they weren't invited to or people they consider to be friends having a few laughs on the local pub's patio or camping or at the beach without them. Loneliness, questioning self-worth, depression will be the result.
Trading engaging with those around you to feed your FOMO angst is what we've come down to. In my opinion, Guildwood is the GTA's most walkable neighbourhood. You can choose to take walks around Guildwood, getting exercise, meeting people or stay addicted to the FOMO distress social media is causing you.
Instead of catching up with an old friend or colleague in person over lunch, coffee, or a walk in Guild Park & Gardens, people prefer to text or message each other on social media platforms eliminating face-to-face interactions. Instead of trying to reconnect with old friends verbally, people would rather sit at home with their technology devices and learn what their friends are up to through social media platforms, thus the start of a slippery slope towards anti-social behaviour.
Social media's irony is it has made us much less social. How Jesse and Celine meet [you'll have to see the movie] and the resulting in-depth conversation they have as they gradually open up to each other, thus beginning a postmodern romance wouldn't have happened today. They'd be too preoccupied with their smartphones feeding their FOMO addiction to notice each other.
Social media will always nudge you to give it attention, but that doesn't mean you have to oblige. Take it from me; there's more to be had in enjoying life's moments outside of social media.
Nick Kossovan is the Customer Service Professionals Network's Director of Social Media (Executive Board Member). You can reach Nick at nick.kossovan@gmail.com and him on Instagram and Twitter @NKossovan.

INTEGRITY COMMISSIONER HAS TO GO

 INTEGRITY COMMISSIONER
HAS TO GO
By Joe Ingino
Editor/Publisher

“I live a dream in a nightmare world”   

    I been following city hall now for 25 years.    To me it appears that the more times passes, the less representation we seem to have.   Politicians sit in office term after term and nothing seems to really improve in our daily lives.
   Since the acquisition of an integrity commissioner.  It appears that even less gets accomplished by elected council... as the commissioner appears to be the inhibitor of progress due to the lack of understanding of what it truly means to be a councillor is for new inexperienced elected councillors.
   Councillor turn the integrity commissioner for advice and for direction.   That should not be the role of the commissioner.   Rookie councillors that have no real municipal experience and no real understanding of what their responsibility in that  job is are in my opinion mislead and directed to do nothing in the fear of reprisal by the commissioner.
   As it stand the City of Oshawa is run by staff.  Staff that does not have any interest in the development of the City other then keeping the status quo and their good paying jobs.    They hide behind the integrity commissioner when challenged or asked to do something outside of their job description.  This is wrong.  Staff are staff that should be there to assist and make the process go faster for citizens.  Councillors are mid managers that represent the interest of the Citizens.  The Mayor is the Chief Executive Officer and has the responsibility and power to over turn staff without consultation.   Council is like a public toilet.  They bring the issues there because our city elect have in many cases no clue what to do.  So they kick issues around ask for staff input and in a half wit way they vote... not on projected plans or ideologies but on what everyone else thinks is good.  This is wrong.
The Commissioners role as specified:  While the Integrity Commissioner’s independent investigative role is extremely important, it has been observed that the investigation of potential contraventions is a last resort.  Ideally, members should act ethically and in compliance with codes so that a contravention never occurs.  To this  end, the Integrity Commission plays a vital  “proactive” role, providing advice and guidance to promote ethical compliance across  the Region and the local municipalities.   As it stands and in my opinion.  Councillor are the under the impression that they have no power other then the vote on council.  citizens have turned to councillor for help.  Only to not have their phone calls returned... and or referred back to staff.  That is  not the proper protocol.   The practice protocol is implemented due to the fact these particular council members have no clue on the importance and power in their positions.  So they refer folks back to staff that truly do not go out of the way of ratepayers as they will not jeopordize doing anything other than their jobs.  This has got worst year by year.  The Commissioner needs to go and council members need to pull up their boots and represent citizens in a positive way.

The Foibles of Money

 Direct Answers
from Wayne & Tamara

The Foibles of Money
Q I am a career banker with a nice little sideline as an investor. My style is not high risk with bitcoins, penny stocks, and the like. I try to buy the best companies when they temporarily stumble.
 I try to advise others. When my aunt would call and ask, “What do you have for me, son?” I was able to help her make some money.  I have not had results that were as good with my best friend. I was helping him run some money, and at the one-year mark, he had a 95% return; $8,000 turned into $15,600. His portfolio was doing better than mine on a percentage basis, because he was far more aggressive and less risk averse than me. Even so, we could have done better if he had listened to me.  The thing is I advised him to sell one position, or at least one part of it, in which he had a big gain. He and his wife love the industry and she would not let him.

 This stock is down. One stock he bought without us talking, and another he bought against my advice. Now, the $15,600 is down to $13,800. At one time, he was holding cash from a stock sold for a gain. I said sit tight until we find a bargain, but that cash was burning a hole in his pocket. Why?  I advised my younger cousin to buy a pot stock that I have a huge gain in. He researched the industry, and told me he bought another one just like mine. But he lost his ass on the one that was “like mine”. Why? It reminds me of an old episode of The Mary Tyler Moore Show (showing my age here). Lou Grant was losing on football bets with his bookie. Then, he began winning using Ted Baxter’s system but it wasn’t any fun anymore.

Lou then bet his entire  bankroll on the Super Bowl, even though Ted’s system did not allow for any bet on the Super Bowl. Lou lost but was happy. It was fun again.
What part of human nature is this? Is it just a guy thing, because my aunt did not have it?
Cameron

A Cameron, let’s talk about your aunt first. Her attitude is, “Money is good, it makes my life more secure, and listening to Cameron is way easier than laying bricks for a living.” She doesn’t care if she is betting on the guy with the hot hand or betting on a guy smarter than the rest. She just wants the money. We would call her a realist.

Then there are your cousin and your best friend. We have a general comment about them. When you realize people usually act from their most base nature, it becomes easier to understand their behavior. Your cousin wants a sense of mastery. He wants to control something. Investing successfully will give him that feeling, the feeling of a do-it-yourself project done well.
He’s also troubled by FOMO, the fear of missing out.  “Cameron had fantastic success betting on a Canadian marijuana stock. How hard can it be? The sector is booming. I don’t need due diligence. I simply need to throw my hat in the ring so I don’t miss out.  “But I want my own pick, so when I get my big win, it isn’t due to Cameron.”

     In addition, if he felt you were bragging, he feels envy (he wants to possess what you possess), threatened (my mastery is in doubt), and competition (I’ll show that smarty pants Cameron). Then there’s your best friend; money burns a hole in his pocket. That sounds like the itch of the gambler. It’s the excitement! Your friend and his wife “have a good feeling” about an industry, the way some people have a good feeling about “sectors” in a casino. They prefer poker to blackjack or craps to slots. Much of their preference is simply good, old-fashioned greed. They want to take advantage of your advice, but they still want more. However, your best friend and his wife haven’t made any money yet. Their chips are still on the table. It won’t be money until they cash out.   
  And honestly, if you examine your own motives, you feel possessive about their winnings, as if they are losing your winnings. What would you like? You’d like your little ducklings to follow you and thank you for their success.
     People are funny about money. Some are more likely to tell you about their sexual life than about how much money they make. When it involves money…money often doesn’t have a bonding effect on relationships, it has a breaking the bond effect.

     What’s in it for others in giving you credit? For most people, the answer is nothing. Your guidance becomes their savvy decision to invest their money.

     That goes back to our first premise. When you realize people usually act from their most base nature, it becomes easier to understand human behavior.
Wayne & Tamara                                             write:  Directanswers@WayneAndTamara.com

Fixing the Leak of Untold Incontinence

   Fixing the Leak of Untold Incontinence

 W. Gifford-Jones, M.D. and Diana Gifford-Jones
 Fixing the Leak of Untold Incontinence
Urinary incontinence is one of the most common problems of aging. It instills, needlessly, the prospect of embarrassment and a fear of leaving the house. Comedians quip, "If you don't know when you need to go, by the time you find out, you've already gone!" But in fact, it's no laughing matter when a sneeze, cough, or even just standing up causes urine suddenly to leak through your clothes.
Stress incontinence occurs when pressure in the urinary bladder is greater than the ability of the muscles to hold back the flow of urine. In men, it may be associated with aging, or the result of a radical prostatectomy for cancer of the prostate gland. For women, it's often due to repeated pregnancies and the strain on pelvic muscles during labour.
Urge incontinence is the issue when you feel a sense of panic. "I've got to go quickly to urinate or I'm in trouble." The sudden, intense urge to urinate is followed by an involuntary loss of urine.
The risk factors include obesity, which increases pressure on the bladder and surrounding muscles, and smoking, where continually coughing exerts stress on pelvic muscles.
Constipation is another factor. Grunting and pushing with bowel movements of hard, compacted stools further injures pelvic muscles and causes nerves to become overactive, which increases the urge to urinate frequently. Taking 2,000 milligrams (mg) of vitamin C at bedtime triggers results. If it does not, increase to 4,000 the next night. Then eat a high fiber cereal and a hot drink in the morning. A bowel movement will follow. As a cardinal rule, don't ruin your colon with laxatives.
Making changes in lifestyle can help to ease this problem. Decrease caffeine, alcohol and other diuretics. Stop smoking. Avoid acidic foods.
Remember dams that leak must be strengthened. So do exercises. Imagine trying to pick up a marble and hold it using the muscles in your pelvic floor. Do this eight times several times a day and continue daily for three months. Remember Rome wasn't built in a day. This simple procedure usually improves incontinence as it bulks up pelvic muscles surrounding the urethra (the tube that carries urine to the outside) and helps to stop dribbling of urine. If the muscles have become so weak that they fail to respond to this exercise your doctor may suggest electrical stimulation to trigger muscle response.
Artificial bulking agents made of biocompatible material are available to help improve urethral function. A cystoscope is inserted into the penis or vagina and the bulking agent is injected around the urethra. This may take two or three sessions to get the required result. But results are not as good in males who have had a radical prostatectomy.
If all this fails, surgery will be suggested. For women this usually means a vaginal operation, but some surgeons prefer an abdominal one. A sling operation is currently the most effective. The rationale behind this surgery is quite simple. By placing a sling under the urinary bladder, it will not only be lifted, but the procedure will also change the angle, decreasing the loss of urine.
For males with significance urinary incontinence who have had a radical prostatectomy, an artificial urinary valve can be inserted which closes the valve on a continual basis. But it can be opened by a small pump implanted under the scrotum skin.
Urinary incontinence is called a "closet problem". After all, who wants to admit they wet their pants. But too many North Americans suffer from this disorder in silence, when they should be getting help.
Visit www.docgiff.com for health tips and more. For comments, contact-us@docgiff.com. Follow us on Instagram @docgiff and @diana_gifford_jones
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Addressing Your Cover Letter to the Right Person Is Vital

 

Addressing Your Cover Letter to the
Right Person Is Vital
By Nick Kossovan
    A well-written cover letter, which is non-negotiable if you're a serious job hunter, starts with your header and a greeting an actual person.
Most job postings don't indicate a name to whom you send your resume. Application instructions are usually along the lines of clicking on an 'Apply Now' button or a website link. Ever-increasingly rare: "Please email your resume and cover letter to Gia at hr@tonyspizza.ca."
Personally, I think employers purposefully omit the hiring manager's name/contact information. They want to see which candidates have the hunger and ingenuity to find the hiring manager or department head's name, office address and contact information. With the Internet, especially LinkedIn, you don't require Sherlock Holmes investigative abilities to locate such information. Therefore, not doing so shows laziness and is an easy way to have applicants self-select themselves.
A clear signal of an employer wanting to have candidates self-select is when the posting mentions to whom the role reports to (Reporting to Chief Revenue Officer). This is an indicator to see which applicants will make the effort to find the person's name/contact information and reach out to who may be their future boss.
Look at hiring from the employer's view. Say a nation-wide furniture retailer posts on LinkedIn, Indeed and Glassdoor a Merchandise Planner position. The posting instructs applicants to apply on the company's website. Conservatively, given today's job market, this posting will attract between 400 to 600 applicants. What percentage of applicants do you figure will include a well-written cover letter, even if instructed to do so?  
Sadly, lazy job searching is common and what clogs up employers hiring pipelines.
As I've mentioned in previous columns, but worth repeating, you need to maximize your job-hunting activities by making sure you're stacking the odds of getting a "yes" to move forward in the hiring process in your favour.
There have been times when I posted a job online, instructing to apply through the company's website, and received around 400 applicants. Those applicants who reached out to me got my attention, and I gave their resumes a serious read. Unless detrimentally unqualified, those who reached out to me got an interview invitation - they'd demonstrated initiative, which I value in an employee. I wouldn't be hazarding a guess if I stated, "Employers like to see initiative."
With the above, the head-scratcher is I always mention my name and job title in my job postings, yet still few contact me directly which makes my which applicants to invite for an interview decision much more manageable.
NOTE: Always follow the employer's application instructions. After having applied accordingly, then reach out to the hiring manager. In your cover letter, indicate you've applied (I applied to the Principal Technical Analyst position posted on Glassdoor. This role speaks directly to my skill set and experience. I hope to be part of the hiring process, thus why I'm reaching out to you directly.) and then move into your cover letter.
You want your cover letter's heading/greeting to be:
Ms. Betty Cooper
Vice President Marketing
Gringotts Wizarding Bank
4305 Pine Street
Breton, AB T0C 0P0
Re: Customer Service Representative Opening [Ref. ID: CS300-Breton]
Dear Ms. Cooper:
Finding the hiring manager or department head's name, office address, and contact information is usually simply a matter of entering the company name and some keywords (Acme Inc., head of operations, sales) into the search bar of LinkedIn (start here). Then, after you've tried Google, try various search engines such as Yahoo, Bing, DuckDuckGo and Ask.com. Respective search engines use different search algorithms; therefore, a search of "Adrian Dobrow, Director of Finance, MomCorp" on Yahoo will yield different results than Ask.com.
TIP: When emailing your resume, your cover letter needs to be in the body of your email, not as an attachment. The purpose of your cover letter is to get the reader to read your resume. Having your cover letter in your email body will significantly increase the odds that your cover letter being read and giving it a chance to do its job.
Next week I move onto how to craft the first paragraph (introduction) of your cover letter by grabbing the reader's attention with 2 - 3 of your top achievements.
Nick Kossovan, a well-seasoned veteran of the corporate landscape, offers advice on searching for a job. You can send him your questions at artoffindingwork@gmail.com.

Canada Day 2021

 Canada Day 2021
    by Maj (ret'd) CORNELIU E. CHISU, CD, PMSC,
FEC, CET, P. Eng.
Former Member of Parliament
Pickering-Scarborough East

    This year is the 154rd anniversary of a country still called Canada. Mired by the dark shadows of history and still in the mist of the Covid-19 generated pandemic we need to remember that we are still Canadians and be proud of it. As we reflect on past events from the beginning of the year, we hope that this year Canada Day will finally bring the nation a glimmer of hope and a better half for the remainder of 2021.

Let's take a moment to consider the incredible contributions made by Canadians throughout our history. Their efforts have helped to make the country what it is today; a country of vibrant cities and strong rural communities. Canada is a place where cultural freedom still flourishes, and Canadians from all backgrounds are still free to express themselves and help our country prosper despite recent tendencies to deny that.

Successive waves of immigrants from France, Ireland, Germany, the United Kingdom and other countries together with Indigenous people have helped to forge our nation's unique character. Through their efforts, our communities have become a distinct part of the Canadian identity which we need to preserve rather than deny. We should honour this legacy while we also recognize that we can do better in the future. Let's be proud of our combined anglophone and francophone heritage and seek a strong and constructive cooperation with our Indigenous people for a better Canada.

Canada was not born of bloody conflict.  It emerged from a lengthy process of brainstorming about practical matters, of negotiations, proposals, and legislative ratifications.

On July 1, 1867, the Confederation of four Canadian provinces created our country and with the inclusion of Lower Canada - now Quebec - it ensured from the outset that Canada would be a blend of two nations, two cultures and two languages. The acceptance of both civil and common law systems is a factor that still makes Canada a helpful player on the international scene.  And from the outset, religious tolerance was Canada's only option.

The enactment of the British North America Act, 1867 (today called the Constitution Act, 1867), which confederated Canada, was celebrated on July 1, 1867, with the ringing of the bells at the Cathedral Church of St. James in Toronto and "bonfires, fireworks and illuminations, excursions, military displays and musical and other entertainments", as described in contemporary accounts.

On June 20 of the following year, Governor General the Viscount Monck issued a royal proclamation asking for Canadians to celebrate the anniversary of Confederation.  However, the holiday was not established  statutorily until May 15, 1879, when it was designated as Dominion Day, alluding to the reference in the British North America Act to the country as a dominion.

The holiday was initially not dominant in the national calendar; any celebrations were mounted by local communities and the Governor General hosted a party at Rideau Hall.  No larger celebrations were held until 1917 and then none again for a further decade-the gold and diamond anniversaries of Confederation, respectively.

Canada's centennial in 1967 is often seen as an important milestone in the history of Canadian nationalism and in Canada's maturing as a distinct, independent country, after which Dominion Day became more popular with average Canadians.

Some Canadians were, by the early 1980s, informally referring to the holiday as Canada Day, a practice that caused some controversy. However, with the granting of Royal Assent, the holiday's name was officially changed to Canada Day on October 27, 1982. Canada Day coincides with Memorial Day in Newfoundland and Labrador, with memorials typically held in the morning of July 1.

As the anniversary of Confederation, Dominion Day, and later Canada Day, was the date set to commemorate a number of important events.

It was the first national radio network hookup by the Canadian National Railway (1927).

It was the inauguration of the Canadian Broadcasting Corporation's cross-country television broadcast, with Governor General Vincent Massey's Dominion Day speech from Parliament Hill (1958) and the flooding of the Saint Lawrence Seaway (1958);

It was the first colour television transmission in Canada (1966); the inauguration of the Order of Canada (1967); and the establishment of "O Canada" as the country's national anthem (1980).

Other events fell on the same day coincidentally, such as the first day of the Battle of the Somme in 1916, shortly after which Newfoundland
recognized July 1 as Memorial Day to commemorate the Newfoundland Regiment's heavy losses during the battle.
.
Our nation is facing great challenges today, as never before. These include the coronavirus pandemic, the issues related to a dark spot on our history related to the infamous and ill-conceived residential schools, an economic downturn, high unemployment and social unrest. Let us again show that we support each other. This community spirit is one of the most admirable characteristics of being Canadian.

On July the 1st let's celebrate our country's achievements and use them, not our failings, as a foundation to build a better and a brighter future together.

Let's celebrate our unity and our treasured country.

Happy somber Canada Day!

Prison of Her Own Making

 Direct Answers
from Wayne & Tamara

Prison of Her Own Making
  Q I’ve never tried this before, but what the hell. A few years ago my husband of 10 years left me out of the blue. It was awful for my sons and me, though it was not a happy marriage. He was verbally and mentally abusive, and I went into an angry shell. I changed from the happy person I once was into this monster. When he left I realized it was the best thing he could have done for me. It was hard to meet people, so I tried online dating. I met two great guys. I let dating go on way too long because I couldn’t let go of either one. It was selfish of me and wrong, but I never wanted to hurt anyone.
Well, they found out. One left, never to be seen again. One stayed, but with a price. It has been over a year now and he won’t let it drop. He says he will never trust me enough to marry me. But it’s also like I am carrying his cross for the rest of the girls who screwed him over.
 I keep jumping through hoops, and nothing seems to work for him or please him. He is a hard man to deal with. He is a cop and has an awful mouth. Most of the time, it is all his way or nothing at all.
 My friends say dump him, I’m too good for him, I don’t need this, and I don’t deserve it.
 I feel I made a terrible mistake, and I am so sorry. But enough is enough. What do you think? Am I wasting my time?
Zena

A Zena, you couldn’t make up your mind between two men. The better one left, as well he should have, because he knew you didn’t see him as the right one for you.
The second man saw you as his opportunity. He judged you as not good enough. He’s a cop and he’s been around the block. You proved yourself untrustworthy, and he deals with untrustworthy people every day. He knew how to treat you, so he put you in his cuffs.
You seem to attract abusers, and this cop is your first husband all over again. Your husband did you an enormous favor by leaving you, yet now you are desperate to marry the same sort of man.
 Nothing predicts that the two of you will ever have the healthy relationship of two people in love with each other. He thinks you are not good enough for him, and you know he will never marry you. How is that not your answer? But your letter isn’t about love. It’s about trying to rescue yourself from what you did. You basked in the attention of two men, stringing them along. Now you hope to deny the reality of what you did by triumphantly landing one of them.
No one wants to be in a competition like that. That’s why people are careful their employer doesn’t find out when they are looking for another job. They know employers might fail to promote, or even fire, someone who is disloyal.
You are loath to admit that neither man was right for you. You hoped one of them would be, because that was better than the alternative—going back to the dating site and starting over again. But love is not a competition. Love is not an auction. Rewarding the highest bidder is the opposite of love.
The first man thought, how could she love me if she was trifling with him? His honest heart got a shock. The second man is a foul-mouthed bully. He wasn’t even your choice. Treat this as a lesson learned. Trust is difficult to earn. It can be lost in an instant and lost forever.
Wayne & Tamara                                             write:  Directanswers@WayneAndTamara.com

Eat Healthy Without Breaking the Bank

  

Eat Healthy Without Breaking the Bank

 W. Gifford-Jones, M.D. and Diana Gifford-Jones
 How would you like to have a cart full of healthy foods and still save money? Anyone who does the grocery shopping will tell you, it is more expensive to buy the ingredients for a healthy diet like vegetables, nuts, fruit and fish than the refined grains, processed prepared foods and meats of an unhealthy diet. Is there a way to buy healthy and keep costs down?

Dr. Dariush Mozaffarian, Professor of Nutrition at the Tufts Friedman School of Nutrition Science and Policy, emphasizes that it is worth spending the time to spend your grocery dollars wisely. “We have seen again and again that people who eat more fruits and vegetables have a lower risk of heart disease, diabetes, cancers and other chronic diseases.”
His colleague, Dr. Jeffrey Blumberg, notes that planning makes a big difference in the food budget. He says, decide what you need for a week’s meals and buy only those items. Try to incorporate healthy meals that advantage of store deals. Build meals around items you already have in your pantry, and plan menus that are suitable for cooking extra portions that can be easily reheated for another meal.
Blumberg adds, look into the refrigerator to make good use of the things you already have. For items that have a long shelf life, buy bulk. Remember, when buying perishable foods consider what you will use promptly and freeze the rest.
Avoid purchasing ready-made meals. They are invariably more expensive than buying the ingredients.
There’s also a myth that organic selections are more nutritious than conventional counterparts. Dr Alice H. Lichtenstein, professor of nutrition and science policy, also at Tufts, says all fruits and vegetables (whether fresh, frozen, cooked or raw, organic or conventional) are health promoting choices from a nutritional standpoint.
Another misconception is that gluten-free foods are better for health than those that contain gluten. But Dr. Mozaffarian says replacing refined wheat products with refined rice and corn products may have some health gains but also possible harms. Gluten-free diets, according to studies at Tufts, were significantly lower in protein, magnesium, vitamin E, dietary fiber and higher in calories that most people do not need.
The point is that unless you are in the one percent of the population that suffers from celiac disease or the six percent that are thought to have non-celiac gluten sensitivity, there is no need for gluten-free foods. Save your money.

A few years ago, researchers showed that, on average, it cost $1.50 a day more to choose healthy foods when shopping in a supermarket. They also wisely suggested that you could save that much by saying “no” to coffee, dessert or some other goodie. These savings translate to better health for individuals and tremendous savings for families and governments in terms of health care expenditures down the road.
Finally, consider the impact of smarter shopping in terms of food wastage and environmental concerns. It is estimated that 30 to 40 percent of the North American food supply goes unconsumed every year. That is a matter of disgraceful waste and economic inefficiency. But the amount of food and food packaging that terminates unused in landfills is also an environmental problem that industry, governments and consumers all share. As consumers, when you shop, make a point of refusing to buy products in excessive or nonrecyclable packaging.
While there are still big challenges around easy and equitable access to nutritious and affordable food, you can take steps toward smarter shopping. In this uncertain world, remember this sage advice: a dollar saved is also a dollar earned.
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Don't Underestimate What Your Cover Letter Can Do

  Don't Underestimate What Your Cover Letter Can Do
By Nick Kossovan
Hopefully, you've been reading this column religiously. If you've been implementing my suggestions, you'll now have a stellar resume and LinkedIn profile. Congratulations, you're almost ready to conduct a serious job search. Yes, I said "almost."
With fingers-crossed, hoping the answer will be "No," every job seeker asks: Is a cover letter necessary?
Do hiring managers read cover letters in 2021? Not all of them, but many, such as I, still do.
Whether the hiring manager reads your cover letter shouldn't be your focus. Your focus should be, why take a chance? In previous columns, I've mentioned there's no universal hiring methodology; thus, there's no hard rule a cover letter is essential; however, why wouldn't you want to give yourself every competitive advantage possible?
A cover letter will never be held against you by a hiring manager who doesn't read them, but for those who do, not having a cover letter can mean your resume will not be read. As much as possible, throughout your job search, you want to stack the odds in your favour of getting a "yes" to move forward in the hiring process.

A cover letter is non-negotiable if:
- the job posting instructs applicants to include a cover letter with their resume (Many job seekers will still apply without a cover letter.),
- if you're applying directly to a particular person whose name you know, or
- if someone has referred you for the position.
Cover letters have one job-to get the reader to read your resume. Suppose your resume's recipient doesn't know you (a likely case). Why should they read your resume over the hundreds of other resumes they receive, many accompanied with a cover letter?
I read cover letters to assess your writing skills, a skill I value highly, and how well you can sell yourself-it's a critical component of my decision-making process. Call me old school, but I view not having a professionally written cover letter accompanying your resume as being lazy. I don't hire lazy, and I don't know any hiring manager who does.
The power of a cover letter is such that it's worth noting there've been several times where I've granted an interview based on the candidate's cover letter, even though their resume was far from impressive. Yes, a cover letter can make up for flaws in your resume.
Most importantly, use your cover letter to tell me something that isn't on your resume that'll help me decide you're worth my time to interview-convince me!
How do you make your cover letter convince the reader to call you in for the interview? First, grab them at "Hello." Next, draw them into your professional story, making sure you're coming across as a solid "Yes" to each of these questions:
- Can this person do the job?
- Will this person be liked?
- Will this person fit in? (Are they "one of us"?)
Your cover letter is your first opportunity to explain your value proposition (What you're able to bring to the employer.) and therefore stand out from the many other candidates just as qualified as you. It's also your chance to explain the reason(s) for any gaps in your employment and what you've been doing during the gap(s).

There are 5 parts to a cover letter:
1.Header (your contact information)
2.Greeting the hiring manager
3.First paragraph (introduction) - Grab the reader's attention with 2 - 3 of your top achievements.
4.    Second paragraph (sales pitch) - Persuade why you're the right candidate for the job.
5.    Third paragraph (closing, call to action)
TIP: When writing your cover letter, get into a headspace of writing to provide the reader with a sense of who you're going to be should they meet you (presuming you're invited in for an interview). Don't be afraid to convey your personality; it's your most straightforward high yielding approach to standing out from your competition.
Next week I'll be covering the first two parts (header, greeting the hiring manager) of crafting a cover letter that'll get the reader to read your resume. In subsequent columns, I'll discuss how to write the first, second and third paragraphs. Yes, there'll be plenty of examples.
Nick Kossovan, a well-seasoned veteran of the corporate landscape, offers advice on searching for a job. You can send him your questions at artoffindingwork@gmail.com.

PAY, PAY, PAY OR WE CUT YOU OFF

 

PAY, PAY, PAY OR WE CUT YOU OFF
By Joe Ingino
Editor/Publisher

“I live a dream in a nightmare world”   

    In an age of anti bullying, fairness, equality and the championing of rights and freedoms.    We surely have become ignorant of our realities.   For the longest time we have been paying through our nose for things like convenience, customer service and many more things that are presented as good for us the consumers when in reality they are in the best interest of the supplier.
When was the last time you took a look at one of your utility bills?  Have you noticed all the extra charges... and for what.?
Look at this natural gas bill for example:
Customer Charge $21.48 - CUSTOMER CHARGE!!!  WHAT IS THIS CHARGE FOR?  BEING A CUSTOMER.  SHOULD THIS CHARGE BE ON OUR BILL?
Delivery to You $33.25  DELIVERY TO (YOU) REALLY... IT COSTS $33.25 TO SEND ME YOUR PRODUCT OVER A PIPE THAT HAS BEEN IN THE GROUND FOR THE PAST 100 YEARS.   HOW DO THEY CALCULATE THIS DELIVERY COST?  THIS IN MY OPINION IS NOTHING BUT A MONEY GRAB.
Transportation to Enbridge $13.96  TO AD INSULT TO INJURY THE GAS COMPANY HAS THE BALLS TO CHARGE  YOU A TRANSPORTATION FEE TO ENBRIDGE.... LIKE REALLY... WE PAY TWO DELIVERY FEES FOR THE USE OF THE SAME PIPE.
Federal Carbon Charge $20.02  WOW... $20.02 FOR A GHOST TAX.  WE PAY MORE FOR THE CARBON TAX THAN THE ACTUAL USAGE OF THE GAS.
Gas Supply Charges $35.87  TECHNICALLY THIS IS THE ONLY AMOUNT THE CONSUMER SHOULD BE PAYING.... ALL THE OTHERS ARE NOTHING BUT LEGALIZED THEFT.
Cost Adjustment ($4.15)  GOD ONLY KNOWS WHAT THE ADJUSTMENT IS FOR.
Charges for Natural Gas $120.43    ON A $35.87 ACTUAL USAGE YOU PAY $100 MORE FOR ADDITIONAL CHARGES.
HST $15.66Total Charges for Natural Gas $136.09   REALLY.... IT SEEMS THAT EVERYONE GETS A PIECE OF THE PIE.
No wonder these companies make billions a year.   No wonder they have staff and new vehicles every other year.  No wonder they can look down at the ratepayers and threaten them with disconnection.  The utility companies hold you hostage with your own money.
   In this modern society we are raising people to follow and not to question.  Conformity is the norm.  You oppose you loose.  Companies are taking advantage of this and making millions in charges that they have no right to charge consumers.  Consumers have no choice but to pay.  How can we ever achieve equality when within our social systems so much goes unnoticed.  So many injustices, justified and so much wrong allowed?