Showing posts with label gayrights. Show all posts
Showing posts with label gayrights. Show all posts

Sunday, December 14, 2025

Merry Christmas and Thank You

Merry Christmas and Thank You By Joe Ingino BA. Psychology Editor/Publisher Central Newspapers ACCOMPLISHED WRITER/AUTHOR OF OVER 800,000 Published Columns in Canada and The United States What a great nation that we live in. A place that are blessed with great opportunity and all kinds of freedoms. Freedoms such as being able to celebrate traditional holidays such as Christmas without the fear of persecution and or prosecution. Persecution is the systematic mistreatment, harm, or oppression of an individual or group by another, often based on religion, race, political beliefs, or identity, involving severe discrimination, violence, threats, torture, or denial of fundamental rights like freedom and equality, and can range from social ostracism to being a crime against humanity. It's more than just unfairness; it's a deliberate campaign to subjugate, drive out, or exterminate people, as seen historically with religious groups or currently with political dissidents, and it can involve physical harm, psychological violence, or legal injustices like trumped-up charges. Prosecution is the institution and conducting of legal proceedings against someone in respect of a criminal charge. Canada is rich in its history in the championing of rights and freedoms. So much so that many of our forefathers gave their lives in the preservation of being able to speak freely. Christmas season brings us face to face with what is important to us. At the Central we could never have been able to achieve number one without the help, support, and assistance of our readers, our advertisers and all our supporters, associates, collaborators and contributors. Our columnists, like my good friend Cornelius Chisu, who has contributed to the Central for many years. A scholar and a true gentleman. His insights and his opinions on matters that are important to Canadians are enjoyed by millions. Without his contributions the Central would not be your favorite regional newspaper. Men, like Dean Hickey go way out of his way to uphold industry standards. A man that has earned my respect through his intellectual appetite to become part of an industry that he has so rightly earned. An outsider to the trade that has made the outmost effort to reach for the stars and actually reach them. Thank you for your ongoing efforts and contributions. Just recently John Mutton joined the Central team, or as he is known, Mr. X. True Durham royalty as there are few that have accomplished as much as he has in one lifetime. Welcome to the Central home. Then there are notorious names like Lisa Robinson, Pickering councillor. Or, as she is best known.... “The People’s councilor”. A very unique human being with a mission to champion right from wrong, and to expose all that is wrong in politics and society. One other person that really sticks out when it comes to exceptional contributions is my good friend Nick Kossovan. Here is a man that appears to have never-ending work-related topics to write about. I look so forward to his columns. Thank you, Nick. You are the best. Then we have Diana Gifford, daughter of a great medical mind, a medical journalist Dr. Ken Walker (who writes under the pseudonym of Dr. W. Gifford-Jones, MD. He was a true scholar and gentleman... his legacy continues today through his daughters writing. We are very appreciative of your contribution from yesterdays, today and tomorrow. Dale Jodoin, one of our most interesting columnists. His contributions have made legendary strives across the region and online. People writing and calling wanting more. Exceptional work my friend. Among the great there is world followed, syndicated writers Wayne and Tamara. Writing on issues that touch the heart. They always present topics that are for everyone. Thank you. Newly joined to the Central: Theresa Grant, our real estate columnist. Her local insights are very well read and commented on. Thank you for your contributions. In a similar arena we have our good friend Bruno Scanga. His contributions are eye opening and very informative. Thank you. Camryn Bland, in my opinion a young lady with a lot of potential. Her columns on young minds topics are a fresh welcome. Wishing you the best. Thank you all for reading the Central. For writing for the Central. Merry Christmas and Happy New Year.

Friday, December 12, 2025

Canada Needs a Real Immigration Reset—One That Matches the Country’s Actual Needs

Canada Needs a Real Immigration Reset—One That Matches the Country’s Actual Needs by Maj (ret’d) CORNELIU, CHISU, CD, PMSC FEC, CET, P.Eng. Former Member of Parliament Pickering-Scarborough East For decades, Canadians have taken pride in an immigration system admired around the world—rules-based, humanitarian, and economically grounded. Immigration has shaped the country’s identity, supported its growth, and replenished a labour force too small to sustain a vast nation. But as Canada enters a period of economic uncertainty, housing scarcity, strained public services, and shifting global realities, it is increasingly clear that the current immigration model no longer aligns with the country’s real needs. A serious, evidence-based review is overdue. Not a politically charged fight about whether immigration is “good” or “bad,” but a sober assessment of how to ensure immigration strengthens Canada rather than overwhelms the systems that must support newcomers and citizens alike. The core issue is not immigration itself—it is the misalignment between Canada’s intake levels and the country’s actual capacity to absorb newcomers. Over the past several years, Canada has admitted more than a million newcomers annually through permanent immigration, temporary workers, asylum seekers, and international students. This is the fastest population growth in the G7 by a wide margin. Yet the infrastructure needed to support this growth—housing, transit, schools, health care capacity—has lagged far behind. Municipalities from Halifax to Vancouver warn that they cannot keep up. Even the Bank of Canada has acknowledged that infrastructure constraints are now limiting economic productivity. The result is a system where immigration remains a national strength in principle but a source of strain in practice. Newcomers face record housing costs, long wait times for services, and difficulty integrating into jobs that match their skills. Canadians, in turn, feel the pressure in their daily lives: competition for rentals, crowded hospitals, and rising local taxes to fund expansions happening too slowly. Canada does not have an immigration problem. It has a planning problem. Meanwhile, the country’s labour market tells a more complicated story. Canada desperately needs more workers in key sectors: skilled trades, health care, agriculture, transportation, advanced manufacturing, engineering, and technology. These shortages are not abstract. They directly slow down construction of housing, delay energy and infrastructure projects, limit food production, and reduce competitiveness across the economy. And yet large numbers of immigrants—especially highly educated professionals—continue to find themselves underemployed. Many cannot work in their trained field because of fragmented credential recognition and slow provincial licensing systems. Employers complain of shortages while thousands of qualified newcomers drive taxis, stock shelves, or work far below their skill level. In other words, immigration is high, but labour-market alignment is low. Part of the issue lies in the explosion of temporary and semi-temporary immigration streams, especially the international student program. Designed as a tool for attracting talent, it has grown into a revenue engine for private colleges and cash-strapped universities, often without ensuring real educational quality or job-market alignment. Tens of thousands of international students pay high tuition for low-value programs with minimal oversight, while housing shortages worsen and employers continue to struggle to find workers with needed skills. The Temporary Foreign Worker Program, meanwhile, has become a patch for chronic shortages that should be addressed through long-term workforce planning, not perpetual dependency on temporary labour. In some sectors, employers rely on temporary workers not because Canadians refuse certain jobs but because employers have not invested in training, apprenticeships, or improved working conditions. This patchwork approach—high immigration intake on paper, low integration capacity in practice—undermines the credibility of the system. Canadians remain broadly supportive of immigration, but that support is not unlimited. It must be earned through effective planning and visible results. The way forward requires a modern immigration framework built around real-world needs, not political slogans or economic wishful thinking. First, Canada must adopt a national labour-force strategy that brings federal and provincial governments together to determine actual needs. This means identifying how many workers are required each year in essential sectors, how many students can realistically be housed and educated, and what regions require population replenishment. Immigration must be tied to this analysis—not to arbitrary growth targets. Second, credential recognition needs a complete overhaul. It is unacceptable that engineers, nurses, medical technologists, and other trained professionals wait years to obtain recognition, even as provinces lament shortages. Canada should establish national licensing standards for key professions, accelerate testing and evaluation, and fund “bridging programs” that directly connect newcomers to employers. Provinces and regulatory bodies must justify any barriers that stand in the way of qualified immigrants entering their field. Third, Canada needs a dedicated Skilled Trades Fast Lane, with pathways designed to recruit electricians, plumbers, carpenters, heavy-equipment operators, welders, and other technical workers essential to national growth. Without a surge in trades, Canada will simply not build the housing, transit, and energy infrastructure required for the next generation. Fourth, the international student program must be realigned with national priorities. Institutions should be required to demonstrate that they can support students with adequate housing and high-quality programs. Study permits should be linked to labour-market outcomes, not institutional tuition revenue. The federal government must also curb abuses by low-quality private colleges that profit from vulnerable students while contributing little to Canada’s long-term prosperity. Fifth, settlement and integration services must be strengthened. Successful immigration does not end at the airport. It requires affordable housing, language training tailored to professional needs, rural immigration incentives, and partnerships between employers and municipalities. Integration reduces social tension, builds community cohesion, and ensures newcomers can contribute their full potential. Finally, Canada needs to treat immigration not as a short-term fix for temporary labour shortages or a tool for population growth statistics, but as a national strategy. One that balances economic opportunity, humanitarian commitments, and social cohesion. One that recognizes that welcoming immigrants is not enough—Canada must set them up for success. A modern immigration policy should be grounded in three principles: sustainability, alignment, and integration. Sustainable levels that match Canada’s housing and service capacity. Alignment with real labour-market needs, not institutional interests. And integration that ensures newcomers can thrive rather than struggle on the margins. Canada’s future prosperity depends on getting this right. Immigration will remain essential to the country’s economic health and demographic survival. But for immigration to continue as a national strength, Canadians must see that the system works—for newcomers, for communities, and for the country as a whole. A national immigration reset is not a step backward. It is a step toward the kind of thoughtful, strategic, nation-building immigration system that Canada has always aspired to—and that it urgently needs now. What do you think?

Saturday, December 6, 2025

Karmageddon

Karmageddon By Mr. ‘X’ ~ John Mutton CENTRAL EXCLUSIVE I'm back mo**er fu**ers and it's Karmageddon time. I last wrote a column for the Central on June 16, 2018. Back then I was running for Durham Regional Chairman and cancel culture was all the vibe. I remember the false accusations and some of the cancel culture soy boys like Ajax Councillor Sterling Lee would condemn and the rest of the socialists (commonly known as NDP) would follow up and call employers, clients and anyone attached to myself or anyone they wanted to cancel. Oh the good old days. Since 2018, I have been extremely busy on several fronts. My business has moved into actually developing our own projects, married a beautiful Croatian lady, I became Mr. X and I won quite a few Brazilian Jiu-Jitsu Gold medals along with that World Championship this year. I am friends with celebrities, pro athletes and leaders literally around the world, we may hear some super interesting stories along the way. Life has provided me with a plethora of experience in several areas and I look forward to sharing some of them with you. One of the more recent highlights after the Integrity Commissioner)/Lobbiest Registrar named me Mr. X, I started a podcast called the Mr X Files with my co host Ben Fudge. Just last week we registered over 30000 views on our latest podcast. What to expect in the future is a factual missile into anything fraudulent or just not passing the smell test in Federal, Provincial or Municipal politics. The podcast will be more of a Nationalist approach, while I may delve into local topics in my column here. If you like the truth, you will enjoy the Mr X files and my column. If you don't like the truth and the facts, too bad for you haha. Some of the items we have covered are The Skills Development Fund Scandal, the upcoming Infrastructure Funds Scandal, the Federal mass immigration affront to Canada and my personal favorite...the Greenbelt. I will curse and I will swear, but I will bring you the facts and what I believe to be the truth. Credit will be given to intelligent legislation and good representation of any politician and party.

Let Him Lead

Let Him Lead By Wayne and Tamara I ended my marriage after 15 years. I’ve been separated for five years and haven’t dated anyone. I really had no interest in dating. In July I met the father of my son’s friend. He, too, is separated and has been for four years. In his case his wife ended the marriage. He was devastated. He indicated at one time he could never go through that again. His son lives with him, and since the boys are together all the time, we talk often. We’ve become good friends and enjoy talking to each other. I’m becoming attracted to him. He has all the qualities I look for. He has a wonderful personality, a sense of humor, and a closeness to his family. He is interesting and kind. I find it hard to decide if he is attracted to me but afraid of getting involved with anyone, or not attracted to me at all. We have not yet gone on a date. He did invite my two boys and me to his camp this summer for the day, and had the boys and I to his camp for Thanksgiving dinner with some of his family. While talking to him the next day, I told him the boys had a great time, and he asked if I had as well. I’ve invited him to my office Christmas party, which he accepted. It is a large event with dinner and dancing. This will be the first time we will be out alone. What should I look for to determine his feelings toward me? Elaine Elaine, don’t make a problem which doesn’t exist. A relationship between the two of you has been slowly building. You understand his fears and concerns. So how do you address that? By letting him lead. If you force the relationship, he will feel threatened. When he senses this is a relationship he wants, he will move forward on his own unless he sees you only as a friend and the parent of his son’s friend. Since there is no problem here—you are not dating him—act like a single, available woman. Imagine you are a fisherman. There is a big trout in the water and you’d love to land him, but all you can do is throw your lure out there. You can’t make the fish bite, but there are other fish in the stream. Making yourself available will make you less disheartened and desperate about this one fish. The more you try to force your lure on a fish, the greater the chance you will scare it off. Be relaxed, patient, and open to all possible relationships. Not only does that give you the greatest chance for success, it creates a desirable aura around you—the kind of aura which will attract others, including this man, to you. Wayne & Tamara Approaching Storm After 10 years of marriage is it settling to be with someone who says they love you but aren’t in love with you? What if that person thinks being “in love” is a childish fantasy and grownups don’t need to be “in love” to have a happy marriage? Is being “in love” really that important? Kim Kim, let us assume the person who says this is your husband. Then the question for him is, how do you keep sailing once you’ve thrown out the star which guides you? What is the foundation of your captaincy? Financial security? Personal advantage? Convenience? Circumstances change. Sickness, a business failure, or an ill wind can alter any of the reasons for being together. So can unexpected success. But love holds people together both on calm seas and when things get rough. Without love you have to keep changing why your contract should still be valid. A marriage without love is like sailing in the Bermuda Triangle. At any time one of you might disappear forever. Wayne & Tamara

When Common Sense Dies A Nation Dies With It

When Common Sense Dies A Nation Dies With It By Dale Jodoin Journalist and Columnist Some mornings I sit with my coffee and wonder how the world slipped so far off its track. It did not happen in one big moment. It happened in small steps until regular people woke up and felt like strangers in their own country. The pressure grew. The rules changed. The words changed. And the truth started to feel like something you had to hide. When I grew up, the big fear was nuclear war. It was a real worry, but at least people spoke honestly about it. At least you knew what the threat was. Today the fear comes in soft waves. Every few years someone says the world will end in five years. They repeat it to kids who barely understand life yet. You cannot grow hope on fear. You cannot build a strong country on doom. Kids today do not have the anchors we had. We had parents who worked hard. We had grandparents who carried old lessons. We had aunts and uncles who taught us how to stand up and make our own way. How many young people only hear warnings? They hear that everything is broken. They hear that nothing will get better. They hear that the climate is falling apart and that they might not have a future. It leaves them empty. While this fear fills the air, the Liberals and NDP tell people to trust them. They promise that more spending will fix everything. More programs. More rules. More taxes. They treat the country like a bank card that never runs out. But money always runs out. Bills always show up. And regular families always pay in the end. People feel this every day. At the grocery store. With rent. With gas. With heat. They feel it when taxes climb while services fall apart. They feel it when the government says everything is fine even though nothing feels fine. Leaders keep saying this is progress, but nobody living a regular life agrees. And underneath it all there is a message. Keep quiet. Do not speak up. Do not question anything. If you protect your family, people call you selfish. If you point out a problem, people say you are dangerous. If you disagree with a popular idea, they use names as weapons. They use fear to control the conversation. This pressure hits young men the hardest. Many grow up hearing that everything wrong in the world is their fault. Some are told they should stop being who they are. They are confused before they even start their lives. They feel like they have to apologize for being born. It wears them down. At the same time, the government keeps bringing in more people who also need help. This is not an attack on newcomers. It is simple math. If a boat is sinking you cannot load more passengers on it. But the Liberals and NDP do it anyway because it looks good in a headline. They ignore the fact that hospitals are full, housing is gone, and schools are stretched thin. They want to be seen as kind, even if the country snaps under the weight. University was supposed to teach young adults how to think. How many walk in hopeful and walk out bitter. They come home speaking like the country is an enemy. They talk about ripping everything down and building something new with ideas that never worked anywhere else. It is not learning. It is training. And it leaves them lost. Hate has also grown in ways many older people never expected. The sudden rise in hostility toward Jewish Canadians and Jewish people around the world has shocked those who remember real history. They thought the world had learned. Now they watch crowds chant angry things while leaders stand back and mumble. It shakes something deep in the soul. And through all of this, regular people are just trying to survive. They wake up tired. They go to work. They try to raise kids in a world that feels loud and mean. They try to stay out of trouble. But every step feels like thin ice. If they speak up, someone attacks them. If they stay silent, nothing gets better. This is where your line fits, Dale. A country cannot find itself if the people inside it are too scared to tell the loud confused voices to sit down. We have people now who try to kill common sense on purpose. They twist words. They spread lies. They demand we stop thinking. And if you dare to use your own mind they beat you with nonsense until you doubt your own eyes. It reminds me of a poet I like. If a boy with a simple slingshot can stay calm, the world can bend. A whisper is enough to set people free if they hold on to it long enough. So what do we do when the country feels like it is heading into a fog. The answer is not smooth. It is not pretty. But it is simple. People need to vote for someone who will do the hard work. Not someone who makes us feel good. Not someone who hands out money we do not have. A leader who tightens the belt. A leader who says no to public unions when needed. A leader who puts the country first instead of politics. It will upset people. It always does when someone tries to clean up a house that has been ignored. But if we keep going the way we are, nothing will improve. Kids need hope again. Families need stability again. The country needs a spine again. The world is loud right now. It tells people to sit down. It tells them to obey. It tells them to stop thinking. But a country cannot survive if the people inside it feel unwanted. Canada cannot grow strong if its citizens are treated like problems. Real change starts with a whisper. A simple voice saying I want a life that makes sense again. That is how a country finds itself.

Monday, December 1, 2025

Queen’s Park

Queen’s Park By Theresa Grant Real Estate Columnist If you’ve been paying attention to the recent news out of Queen’s Park, you’ll know that the extremely controversial Bill 60 has passed. But what exactly does that mean for the people of Ontario? Well, I guess that depends on whether you’re a landlord or a tenant. Believe it or not, even people that are neither have very strong opinions on this Bill. I guess it goes back to the fact that the vast majority of us at one time or another were tenants and almost everyone has had to deal with a landlord at some point. For as much as the opposition is shaking their fists and saying this is far too aggressive on the part the landlords’ rights, it really is just leveling the playing field somewhat. For many years the pendulum swung far too much to one side and that side was the tenant’s rights. For years now landlords have had their rental properties held hostage in a sense by tenants that won’t pay rent and won’t move out. All the while, the landlord has to fill out mountains of paperwork, meet strict deadlines for filing that paperwork and then sit back and wait. As usual, many people are reacting to headlines before they get the actual meat and potatoes of the story. I would say there have been adjustments more than real changes when it comes to the Landlord and Tenant Board. For example, the landlord now only has to wait 7 days after nonpayment of rent as opposed to 14 to file for eviction for nonpayment of rent (N4). In a lot of cases, if you are a good tenant and always pay your rent on time, your landlord will hold off on this procedure anyway. The key here is your past behaviour and your relationship with your landlord. Another notable adjustment has been the procedure for eviction when it comes to having a family member move in or if the landlord needs the unit themselves. The landlord no longer has to compensate the tenant and no longer has to provide alternative housing. The landlord absolutely still has to give the proper notice to the tenant though. The bill also states that if you are a tenant and you are not up to date on your rent and you choose to raise issues about your landlord during a hearing with the Landlord Tenant Board, you will have to pay at least half of the back owed rent prior to being able to raise those issues. I would say overall, this has been a recalibrating of power between landlords and tenants in the province of Ontario which has been lopsided for far too long. At the end of the day, there are red flags for bad tenants and bad landlords. Look for them and heed them when you see them.

Saturday, November 29, 2025

Hernias Are An Age Old Problem

Hernias Are An Age Old Problem By Diana Gifford Hernias are an ancient ailment. And modern medicine still debates the best ways to repair or live with them. One of the earliest references appears in the Ebers Papyrus, an Egyptian medical scroll from around 1550 BCE. The treatment for hernias was to push them back into place, in techniques described by Hippocrates. Galen, a Greek physician to gladiators and Roman emperors, had a preference for treating “surgical conditions by means other than the knife.” One can only imagine. An enduring piece of hernia lore is the truss. A truss was essentially a belt with a pad designed to apply pressure to the protrusion. Trusses were made of leather, metal, or fabric. Some people wore them for decades. Apparently Benjamin Franklin, suffering from a hernia, customized the design of his own truss for improved comfort. Look no further than to Medieval Europe to find the most absurd so-called cures. Some believed that passing through a split tree trunk – literally crawling through it – could cure a hernia. The tree would then be bound shut, as though healing the patient by analogy. Odd times. Early hernia surgery was crude, painful, and often fatal. Before the late 19th century, the combination of infection, lack of anesthesia, and poor anatomical knowledge made abdominal operations deeply dangerous. The turning point came with Eduardo Bassini, an Italian surgeon who, in the 1880s, meticulously studied the groin’s anatomy and introduced a systematic way to reconstruct it. His technique, though modified many times since, is widely regarded as the first reliable hernia repair. The 20th century brought the introduction of surgical mesh. Using mesh allowed surgeons to reinforce weakened tissue and reduce recurrence rates. It was heralded as a breakthrough, though in recent decades it has also sparked debate and litigation. Mesh can be enormously effective, but as with many medical advances, its success is not guaranteed. Today, many people delay treatment out of fear, embarrassment, or the hope that the problem might resolve itself. They can result from lifting, chronic coughing, pregnancy, or even genetic predisposition. They are democratic: they affect the young, old, athletic, sedentary, cautious, and risk-takers alike. In the internet era, the ancient impulse to treat hernias at home has been revived by self-proclaimed experts posting videos of DIY abdominal wraps, self-reduction tutorials, and miracle cures. Some echo centuries-old remedies – compresses, belts, or herbal treatments. Others are newly imagined, drawing on the vast creativity of people in online forums. The fact is, hernias can occur in many different parts of the body, from a variety of causes, and with a wide range of implications, sometimes inconsequential and sometimes fatal. So go and see a doctor to determine the best treatment for you. Readers often write requesting information about what the take of Dr. W. Gifford-Jones was on one medical issue or another. He had a much appreciated “no nonsense” philosophy. From reading his column for years and years, he was known and trusted. Well, you can still find what he had to say on topics like hernias. Go to www.docgiff.com and type the keywords of interest into the search engine (a little magnifying glass icon in the top right of the page). For example, type “hernia” and you’ll get access to columns on “how to decrease the risk of large bowel hernias”, “if it’s partly broken, should you fix it?”, and advice to “think twice about hernia surgery”. Columns since around the year 2000 are posted. I’m posting more and more of the older archive of columns too. Among them, some gems! —————————————————————————————————————— This column offers opinions on health and wellness, not personal medical advice. Visit www.docgiff.com to learn more. For comments, diana@docgiff.com. Follow on Instagram @diana_gifford_jones

2025 Year in Review: Staying Financially Strong in Uncertainty

2025 Year in Review: Staying Financially Strong in Uncertainty By Bruno M. Scanga As we wrap up 2025, it’s a good time to pause and reflect on what the year has brought—and more importantly, how to position ourselves for success in 2026. This year has been another reminder that global uncertainty is here to stay. Trade tensions, fluctuating interest rates, and uneven economic growth have all played a part in shaping Canada’s financial landscape. The good news? Despite all the noise, there are solid, practical steps you can take to stay financially strong. A Look Back at 2025 Inflation continued to cool through 2025, allowing the Bank of Canada to begin cautiously lowering rates after several years of tightening. While this offered some relief to borrowers, many Canadians renewing their mortgages still faced higher payments than before. Growth remained modest—around 1%—as global trade pressures and slower exports weighed on the economy. For investors, markets were mixed. Canadian equities were steady, U.S. markets showed resilience, and bonds regained some traction as interest rates eased. Overall, it’s been a year where patience and diversification paid off. What This Means for You Periods like this call for a thoughtful financial strategy. Here are a few strategies to carry into 2026: 1. Revisit your budget and cash flow. Higher living costs and mortgage renewals can tighten monthly budgets. Take time to review spending and look for ways to increase your savings margin—even a small monthly surplus can build valuable flexibility. 2. Strengthen your emergency fund. If 2025 has taught us anything, it’s that uncertainty can show up quickly. Aim to keep at least three to six months of essential expenses in a readily accessible account. 3. Stay invested, but be strategic. Trying to time the market rarely works. Instead, focus on maintaining a diversified portfolio that matches your goals and risk tolerance. If interest rates continue to drift lower in 2026, both fixed income and equity investments could benefit. 4. Use registered plans wisely. Whether it’s topping up your RRSP, maxing out your TFSA, or contributing to a RESP or FHSA, these accounts offer powerful tax advantages. Every dollar sheltered from unnecessary tax is a dollar working harder for your future. 5. Plan for the long term—no matter the headlines. Economic slowdowns, trade issues, and market swings are part of every cycle. The key is having a plan that adjusts with conditions, not one that reacts to fear or hype. Looking Ahead to 2026 Most forecasts suggest a slow but steady recovery next year. If inflation stays near target, the Bank of Canada could trim rates further—good news for borrowers and markets alike. That said, it’s still wise to prepare for volatility. The bottom line? Focus on what you can control: your savings habits, spending discipline, and investment strategy. Global uncertainty may persist, but a well-built financial plan is still your best tool for confidence and stability. Here’s to finishing 2025 strong and stepping into 2026 with clarity and purpose.

The Wonder in Adulthood

Why We Lose Childlike Wonder as We Age, and How to Gain It Back By Camryn Bland Youth Columnist As children, our world consists of learning, playing, and experiencing. We spend our days in the park with friends or playing with a new toy, free of all responsibility and stress. Everything seems surprising, new, and exciting. Everything sparks a sense of wonder. Yet, as we grow older, perspectives shift, and that same wonder dies out. Everything which sparked familiar j0y is replaced with the burden of adulthood, a transition which seems impossible to fight. Although the transition to adulthood may feel inevitable, there are specific childhood memories which survive, never to be forgotten. Learning to ride a bike, early birthdays, and the first day of school are moments that feel engraved in our memories. These times feel more colorful, bright, and emotional than the current days. Something just felt special, something which is impossible to describe and unfeasible now. One of my most prominent, bright memories is from third grade, when my class visited an old schoolhouse museum in North York. I remember dressing up, and walking with my class to the schoolhouse. We did lessons on small chalk slates, after we played with wooden toys during our break. The weather was gorgeous, my friends were happy, and the lessons were interesting; it was the most perfect day. When we had to walk back to our real school after lunch, I was devastated, as the day seemed far too short. To me, this was the best field trip, which I will never forget. The interesting aspect about this memory is not the enjoyment, but what happened afterwards. I recently found out I threw up immediately upon returning to my elementary school. According to my mother, I got sick during the day, and she had to come pick me up before we got dismissed by the bell. I have absolutely no recollection of this turning point of my favorite trip, no memory of sickness that same day. I can confidently say if this happened to me today, the key memory would be my sickness, the embarrassment of vomiting in school and being forced to leave early. However, as a child, my mistakes were completely irrelevant and forgettable. I cared only about new experiences and enjoyment, and so almost all recollections from my childhood bring warmth and laughter. I believe this positivity is founded from the wonder which is engraved in every child. Everything is new and exciting, whether that be a schoolhouse, a toy, or a person. Our stress is insignificant, limited to external attention and learning to share. New foods taste bolder, new songs sound louder, and new places seem brighter than they do currently. Sometime while growing up, the perfection of childhood transitions to the melancholy of adulthood. This can be mostly attributed to daily burdens. As we grow older, our sense of responsibility increases, replacing childlike wonder with adult anxiety. Things which were once interesting are now insignificant, everyday experiences duller, and routines formed by necessity instead of enjoyment. When everyday is planned due to efficiency and responsibility, it feels impossible to incorporate the creativity and open mindset which was so abundant just a few years prior. Although balancing this wonder with responsibility may be difficult, I believe it is far from impossible. One way to relive this nostalgia is through choosing old favorites. Whether that be listening to an old album, binge watching a classic TV show, or eating a childhood food, these relived moments come with a forgotten sense of peace. To me, this could mean playing Just Dance, eating chocolate pretzels, drawing new characters, or reading a book in the Geronimo Stilton series. Each individual will have different nostalgic choices, which makes it even more special. Achieving the joy of childhood is just one step away, and it doesn’t require the disregard of any aspects of the current routine. Instead, it simply involves the addition of nostalgia in everyday life. The next time you’re feeling stressed, listen to your favorite band from your youth, or eat food you were obsessed with in the past. Engage in new experiences to surprise yourself, and recreate favorite memories. Regardless of your age, these simple actions will bring back the joy and wonder which disappeared after youth. This may not remove all the negative of current responsibilities, however it may bring back an emotion long lost.

Friday, November 21, 2025

DOES THIS MAKE SENSE?

DOES THIS MAKES SENSE? By Joe Ingino BA. Psychology Editor/Publisher Central Newspapers ACCOMPLISHED WRITER/AUTHOR OF OVER 800,000 Published Columns in Canada and The United States This week a headline read: Ontario Investing $16.5 Million to Protect Tariff-Impacted Workers and Businesses Projects will support $120 million in total investments while protecting and creating 1,500 jobs across Ontario November 17, 2025 Ministry of Economic Development, Job Creation and Trade VAUGHAN —The Ontario government is supporting companies and workers impacted by U.S. tariffs by investing $16.5 million through the Ontario Together Trade Fund (OTTF) to help them increase resilience, build capacity and re-shore critical supply chains to Ontario. The announcement marks the first round of funding under the OTTF program, with the eight recipient companies’ projects amounting to over $120 million in investments that will create over 300 new, good-paying jobs and protect nearly 1,200 more across the province. I am no economist, no banker nor a financial scholar. Do the math on the investment vs the return. Does it make sense to plunge 120 million to create 1,500 jobs. The math tells you it is $80,000/job. On the surface one may say. Great. In reality, one has to wonder who will the 120 million be really going to. I know the old thinking. Something is better than nothing... the government is famous for putting out cash and ending up in someone bank account that had nothing to do with the initial intent. I believe that our society is falling and about to fall even harder. We elect officials that do not have the business understanding to make the decisions that they make. So what do they do... they bunch up. Spend millions on expensive consultant to give them a series of choices. From these choices they engage in all kinds of paths. Good or bad. It does not matter. As it is not their money. They make a bad decision. They truly do not care as they are not accountable to no one. Think about it... the article read: The Ontario government is supporting companies and workers impacted by U.S. tariffs by investing $16.5 million through the Ontario Together Trade Fund (OTTF) to help them increase resilience, build capacity and re-shore critical supply chains to Ontario. The question I have for the government.... do they really have an understanding on how tariffs work and or how it will impact industry. I ask this question because tariffs in my opinion should only cause a shift in consumer buying... At the manufacturing level it should produce a shift to newer suppliers. If this stand to be true then where are all these millions going? Who are they politically paying off? Will the average worker really benefit... and if so for how long...

Saturday, November 8, 2025

A Candid Conversation

A Candid Conversation By Theresa Grant Real Estate Columnist A Candid Conversation By Theresa Grant Real Estate We have always had three markets when it comes to real estate in Canada. The buyers’ market, the sellers’ market and a balanced market. Awhile back, I coined a new term for the market we seem to be in. The Trump market. What exactly is the Trump market you ask? Well, it’s a market where the interest rates have really come down nicely considering where they were a year ago, house prices are down 22% from their peek during Covid-19, in fact some absolutely stunning homes that would normally be on offer for well over a million dollars are now being offered well below a million dollars. It’s truly astonishing to see what some of the more palatial mansions of old Oshawa are going for in this market. Why is this the case? In a word, tariffs. Donald Trump’s Tariffs have cast a cloud of fear over Canadian workers to the point that those who were thinking about buying when the interest rates dropped, seem to have completely abandoned the idea. So, while we would have called this a buyers’ market a few years ago. There is definitely something that keeps the buyers from buying. That is the underlying fear of losing their jobs in this very uncertain time. I have heard many stories over the years of people who signed the mortgage papers one day and were laid off or let go the next. Nerve wracking times to be sure. Some real estate agents are reporting zero traffic through their open houses on weekends. That in and of itself screams volumes because even when you’re not necessarily looking to purchase immediately, it’s always been something that people who are intending to purchase at some point enjoy doing. They get out and look. The news is full of reports that housing starts have collapsed, prices are down, the volume of sales is down. Interest rates will continue their downward trend over the next year, but will that make any difference whatsoever? It will help the homeowner who is renewing their mortgage next year, but it will not do much to convince the would-be homeowner that the water is fine and to jump on in. I will admit I have never seen a market like the one we are currently experiencing. That being said, the observance of human nature never disappoints. I find it truly fascinating to see how people behave in different environments, and this is no exception. One thing that stays with me and has since I was a child is a saying that my uncle had. He always used to say, “this too shall pass”. I have brought that to mind many times over the years and firmly believe that it is something we can take comfort in when things are uncertain.

Monday, November 3, 2025

The True Rise of Evil

The True Rise of Evil By Dale Jodoin There is cancer spreading through the Western world. It doesn’t come with tanks or uniforms. It spreads quietly through words, through fear, and through the silence of people who should know better. At first it looks like anger. Then it grows into protest. But before long, it becomes hate. And hate, once it takes root, is almost impossible to remove. Right now, that cancer shows up as antisemitism. Jewish people in Canada, the United States, Britain, Australia, and across Europe are being blamed, harassed, and attacked for a war they didn’t start. Students are bullied in schools. Jewish athletes and artists are targeted online. Shopkeepers and families are threatened in their own communities. These aren’t soldiers or politicians, just people trying to live their lives. We promised “Never Again” after World War II. Those words were meant to stand for something permanent, something sacred. But promises mean nothing if they aren’t defended. What we’re seeing today feels like the early stages of what our grandparents fought to stop. Silence, excuses, and political cowardice are letting that same darkness grow again. In some cities, people march in the streets chanting for the destruction of Israel and even the death of Jewish people. They call it free speech. But there’s nothing free about it. It’s not a debate, it's poison. And the most shocking part is how many governments stand back and do nothing, afraid of being called names by the loudest voices. That poison has started to seep into our schools and institutions, the very places meant to teach fairness and respect. The National Education Association (NEA), the largest teachers’ union in the United States, recently made headlines after removing references to Jews from its Holocaust education materials and distancing itself from groups that train teachers to fight antisemitism. Jewish teachers and students spoke out, saying they felt erased and betrayed. When a national education union does something like that, it doesn’t just rewrite history, it opens the door for hate to return to classrooms under a new name. Once hate enters education, it spreads faster. It shapes how young people think. It tells them who is safe to hate next. And that’s what worries me. Today, the target is Jewish people. But you can already see who might be next. Christians are being mocked and excluded more often in the U.S., Britain, and parts of Europe. Italian Catholics are starting to see similar treatment. After them, it could be anyone, any group that refuses to go along with the mob or disagrees with the loudest crowd. That’s how hate works. It doesn’t stay contained. It grows and consumes everything in its path. We need to start calling things by their real names. The Muslim Brotherhood, banned in several Muslim countries for its violent activities, operates freely in Canada and the West. Antifa, a movement that claims to fight oppression, often spreads its own version of it. These groups don’t just protest; they intimidate, threaten, and sometimes call for destruction. When an ideology pushes violence or calls for death, it stops being political. It becomes terrorism. And terrorism should never be tolerated, no matter what mask it wears. Our governments need to wake up. If an arts group, festival, or publicly funded organization denies Jewish people participation because of their faith, it should lose every dollar of public money. Immediately. Public money is a public trust, and when that trust is broken, it must be cut off. Any teacher, professor, or administrator who bullies or excludes students based on religion should be fired and charged. Schools should be safe for learning, not breeding grounds for hate. And the public must do its part too. Every citizen has a responsibility to speak up. Hate doesn’t just happen “somewhere else.” It starts in small ways a joke, a post, a shrug and before long it’s something no one can control. If you think it won’t reach you, you’re wrong. History has shown again and again that once hate begins, everyone becomes a target eventually. We can’t pretend this is just about one conflict overseas. This is about the soul of our countries about whether we still believe in fairness, freedom, and equal protection under the law. When we turn away from one group being attacked, we give permission for others to be next. If our leaders lack the courage to act, then it’s up to regular people to remind them what this country stands for. Canada, and the Western world, were built on freedom and respect. Those values mean nothing if we only defend them for some. Either we protect all people equally, or we become the very thing we claim to fight against. Hate is lazy. It finds a reason to blame someone else instead of fixing what’s broken. It hides behind politics and faith to excuse cruelty. It grows slowly at first, then all at once. That’s why I keep calling it cancer because you can’t wait it out. You have to cut it out before it spreads. So let’s be clear: anyone calling for genocide, anyone denying others the right to live in peace, anyone using public money to divide people they are part of the problem. If we keep funding them, we are part of it too. This isn’t about left or right, Jewish or Muslim, believer or atheist. It’s about right and wrong. Humanity or hate. The choice is still ours, but not for long. If we don’t act now, if we don’t stand shoulder to shoulder against this rising darkness then one day soon, we’ll look back and wonder when it was that we stopped being the good guys. About the Author: Dale Jodoin is a Canadian journalist and columnist who writes about freedom, faith, and social change. His work focuses on the moral challenges facing modern society and the importance of protecting human rights in an age of growing division.

Lest We Forget — And Lest We Surrender What They Fought For

Lest We Forget — And Lest We Surrender What They Fought For By Councillor Lisa Robinson Every November, I make my way to Pickering’s cenotaph — my favourite place in this city. It’s quiet there. Sacred. A place where gratitude replaces politics and pride replaces excuses. We’ve built something special there — the Poppy Walkway, lined with vibrant red, and the Remembrance Sidewalk, guiding every step toward reflection. They’re more than beautification projects — they’re symbols of a Canada that once stood for courage, duty, and sacrifice. I have family who served. Their stories of honour and love of country shaped who I am. And maybe that’s why this day means so much to me — because I’ve spent my own life standing for the same freedom they fought to protect. But lately, I’ve watched those freedoms — of speech, conscience, and expression — being chipped away, piece by piece. Freedom doesn’t vanish overnight. It fades when good people stop defending it. And that’s what I fear most — that too many are afraid to stand anymore. The only thing necessary for evil to triumph is for good men to do nothing. And right now, too many good men and women are doing nothing. We used to have Canadians who would run toward danger — even lie about their age — to defend their families and their freedom. Today, too many won’t even risk criticism. They’d rather fit in than stand up. Even here in Pickering, I’ve watched the change up close. Councillors proudly wearing lanyards and pins for special interest causes, but nothing of the Canadian flag — unless it’s Canada Day. Not on their jackets. Not in their offices. Not on their hearts. And some of these same councillors have even liked posts on social media that the Canadian flag is a “symbol of colonial violence.” Yet they still work part-time at our local Legion — the very place built to honour the men and women who fought under that flag. I can think of nothing more hypocritical, or more disgusting. And when I tried to bring back something as simple, as sacred, as our National Anthem before Council meetings, not one councillor would second my motion. Not one. For seven long months, I fought for something that should never have needed a fight — a simple act of respect for our country and for the veterans who died so that we could stand in that chamber and debate freely. And what did the Mayor do? Instead of allowing my motion to stand, he used his Strong Mayor powers to bury it inside a package of unrelated measures that stripped away even more of our local freedoms — measures I could never support in good conscience. He forced my hand — deliberately — so that I’d be made to look like I was voting against the very thing I had begged for for seven months. And make no mistake — the only reason that anthem finally returned wasn’t because of patriotism. It was because of political optics. The Mayor folded it into his “Elbows Up” movement — a show of defiance against President Trump, not a show of love for Canada. It had nothing to do with honouring our veterans, our flag, or our freedoms — and everything to do with opportunism. That’s the kind of leadership we’re dealing with. Even this week, when we raised the poppy flag at City Hall, I looked around the crowd and saw it plain as day: the Mayor and other members of Council stood in silence — I couldn’t hear a single voice singing. I couldn’t even see their lips moving. That silence broke my heart. Because silence is how freedom dies — not with violence, but with indifference. We have politicians who will bend our flag-raising policy to appease every special interest group under the sun — but won’t lift a finger to honour the men and women who died under the one flag that unites us all. We have veterans sleeping in tents while photo-op patriots boast about inclusivity. The same people who claim to “care” about justice can’t be bothered to care about those who gave everything for them to speak freely. This is not who we were meant to be. We used to be a proud, unapologetic, united country. Now, too many are afraid to even say the word Canadian. Well, I refuse to be one of them. I will not apologize for standing up for my country. I will not be silent to spare the feelings of those who’ve forgotten who they serve. Because remembrance isn’t a ceremony — it’s a duty. It’s not about wearing a poppy once a year. It’s about living the values that poppy represents: courage, integrity, and the will to stand when everyone else bows. This Remembrance Day, I’ll be at that cenotaph again, beneath the flag they fought for, surrounded by the spirits of heroes who never came home. And I’ll make the same promise I’ve always made: That I will stand for freedom. That I will speak the truth. And that I will never stop fighting for the Canada they believed in. Because I will never forget. And I will never surrender. Lest we forget — and lest we surrender. With gratitude, Councillor Lisa Robinson “The People’s Councillor” "Strength Does Not Lie In The Absence Of Fear, But In The Courage To Face It Head-On And Rise Above It"

ANOTHER LOOK AT THE NEED TO ELIMINATE INDIVIDUAL SCHOOL BOARDS ALTOGETHER

ANOTHER LOOK AT THE NEED TO ELIMINATE INDIVIDUAL SCHOOL BOARDS ALTOGETHER LAST WEEK IN THIS SPACE I said Ontario’s individual school boards are basically out of control and that it’s long-past time to eliminate them altogether. If I needed any reassurance that I was right about that, it came by way of a few social media responses to my column. One person I’ll refer to as Jenn had this to say, “Just like the Ministry of Education and its Minister, you have no idea what goes on in a public school or in the realm of public education. I welcome you to spend a week in my school.” Aside from the unlikely prospect of gaining entry to her classroom, I responded by saying the issues I highlighted are in fact, mere ‘drops in the bucket’ as to what's been going on in the current system of school administration. When I suggested that she offer up at least some form of defense as to the examples I chose – those I still believe to be the most indicative of a radical agenda – she doubled down on rhetoric without specifics, suggesting “The system is broken, and it starts with the Ministry.” I see. So, instead of sharing with me the potential benefits of local school boards focusing more on race and gender politics than on basic education like reading, writing, and arithmetic, her finger points directly to the very Education Ministry that is attempting to make some sense of it all. I get the fact that an educator with over two decades of experience will likely feel caught in a trap. If they try to defend what many see as entirely indefensible, they’ll be seen as radicals. At the same time, should they publicly oppose the mandate set by what I’ll call Marxist educators, their likely chance of promotion within a ‘broken system’ will be almost non-existent. Getting back to the social media responses, a fellow I’ll call Jeffery told me, in his infinite wisdom, that my position on the issue was “moronic”. Well, with that kind of diction, surely Jeffery possesses a unique member ID which he now uses to access all the benefits and resources of the Toastmasters Club. Way to go, little man. One person, who preferred to remain cowardly – that is to say ‘anonymous’ on Facebook, actually had the comical fortitude to suggest I was somehow in a homosexual relationship after having read my column. I hope that wasn’t a subtle invitation, whoever you are. I’m seriously not interested. As to being serious, I can tell my readers with certainty that my references in last week’s column undoubtedly form the basis of a collective attack on our local student population. The reasons for that are the controversial policies established by the Durham District School Board that have focused on so-called human rights issues related to gender identity, race, and the content of school libraries. All of which has ignited a fierce public debate as well as protests from concerned parents, and rightly so. What is happening in the debate over whether the classroom is the proper place for discussions about race and gender identification is that school boards are now tossing around references to the Canadian Human Rights Code as a means to do two things – justify teaching children about very sensitive issues that have noting whatever to do with a well-rounded education, and to basically get away with literally forcing a radical social agenda onto students without parental consent. Here’s just one example. In 2023, then-chair of the Durham District School Board, Donna Edwards, stopped a meeting twice during a question period that had quickly grown heated over concerns about gender identity, the appropriateness of school reading materials, and so-called discrimination issues. Her comments to concerned parents wishing to express their views were less than inspiring. “We do welcome and value diverse community perspectives and questions, we appreciate that these can help support our learning and shape different ways of thinking, however; questions, interactions and discussions within our classrooms, schools, workplace and boardroom must be respectful and free of discrimination. Questions or comments that erase or demean identities protected under the Canadian Human Rights Code or that perpetuate stereotypes, discrimination or assumptions are not acceptable.” Remarks such as those appear manifestly arranged to cast the shadow of a legal noose over the heads of anyone who dares to exercise their own rights of free speech – something too many Boards appear to have little time for, unless it be to support their own social and political agenda. At the same meeting, things again became heated when trustees were questioned on the appropriateness of school reading materials, specifically the graphic novel “Gender Queer” by Maia Kobabe, which includes a sexually explicit illustration. A question that was submitted for the purposes of discussion was ultimately censored by the Board to remove the term “pornographic illustrations.” In answer to the question, a senior administrator advised those concerned that the book had been reviewed by the board following a complaint from a parent during the previous school year – and that a review committee made up of educators, administration, superintendents and students found the novel aligned with the board’s “education policy”. There’s the rub. Is it acceptable School Board policy to potentially institutionalize a form of disrespect toward parental rights? How about the consequences of overstepping legal boundaries by acting in a manner more suited to a court of law when providing self-serving interpretations used to counter any opposition? It is widely observed and frequently reported in local media that there are low levels of public awareness and engagement regarding School Board elections and candidates. This is a recognized challenge, with several factors contributing to the issue. School Board elections are held concurrently with Municipal elections every four years, and historically, they tend to have significantly lower voter turnout compared to other levels of government. That shows a clear and dangerous lack of engagement. Voters often report difficulty finding information about individual candidates, their platforms, and the specific role and responsibilities of a school board trustee. One of the more intelligent social media comments I received came from someone named Jake, who had this to say: “…this proposal by the Ontario government is a bid to centralize power, so how would you feel if the (NDP) were removing trustees and appointing supervisors? Because the provincial Conservatives will not be in power forever, but this Bill will still be law whenever they're gone.” Good point, and my reply must focus on what I see as the need for consistency throughout the province. Regardless of which political party holds the reins of power, it would be a far better thing to have a single entity – not only responsible for setting policies, but to be accountable to the public. The days of individual domains controlled by radical School Boards must be brought to an end. Quickly.

STOP NEGOTIATING

STOP NEGOTIATING By Joe Ingino BA. Psychology Editor/Publisher Central Newspapers ACCOMPLISHED WRITER/AUTHOR OF OVER 800,000 Published Columns in Canada and The United States This week the International headlines read: Trump announces 10 per cent tariff increase on Canadian goods U.S. President Donald Trump says he is raising tariffs on Canadian goods by 10 per cent, after accusing Canada of airing what he called a “fraudulent” advertisement that misrepresented former president Ronald Reagan’s stance on tariffs. In a post published on Truth Social at 4:30 p.m. Saturday, Trump wrote, “I am increasing the Tariff on Canada by 10% over and above what they are paying now.” Trump’s post cited his frustration over an advertisement produced by the Ontario government that used clips of Reagan warning about the dangers of protectionism and praising free trade. “Canada was caught, red handed, putting up a fraudulent advertisement on Ronald Reagan’s Speech on Tariffs,” he wrote. People, people, people. Am I the only one that sees this? Our so called leaders are playing right in to Trumps strategy. If I was Prime Minister. I would not negotiate a thing. Let Trump have his Tariff. Let’s regroup Canada and not worry about the American power trip. As it stand our markets look good to Americans due to the currency exchange. The more we seem desperate to negotiate the harder he presses. Ford has no business getting in the middle of an International economic threat. Trump is way smarter than any of our so called leaders. He knows he can do anything he wants.... so he sets people up. Let’s take this scenario. Trump will impost Tariffs on Canada. Do we really benefit from the fight back? Has it been working so far? NO. It’s a fight you can’t win and eventually will put you at a bigger disadvantage. People are quick to blame job loss to tariffs. Bull. The problem with job losses is poor management and greedy corporate bulls in board rooms. COVID.... The Chinese, Russia, Trump. There is always an excuse for corporations to look for ways to shift corporate interest in the name of making billions. Look at GM. I have been calling it for your the past 20 years. No one believed me. Remember not to long ago. The automakers cried wolf that they would be pulling out and the billions they took in aid? As a nation we need to stop being so gullable and so ignorant of the writings on the wall when it comes to our economy. Remember not to far away... when car companies turned to the Canadian government for assistance in the fear of bankruptcy? The Canadian government once again negotiated with the car automakers and the Canadian taxpayer lost big time... as the money that was to go to Canada to keep jobs ended up paying for new plants all over the world. I say to our Prime Minister... Stop being a fool to Trump. Let him do his thing and you do yours. Canadians are suffering... on our streets. Focus on that first.

Tariffs and TV Ads Won’t Heal Our Hospitals: Ontario’s Misguided Priorities

Tariffs and TV Ads Won’t Heal Our Hospitals: Ontario’s Misguided Priorities by Maj (ret’d) CORNELIU, CHISU, CD, PMSC FEC, CET, P.Eng. Former Member of Parliament Pickering-Scarborough East As Ontario devotes $75 million to a cross-border advertising campaign and faces punishing U.S. tariffs of 35 – 45 percent on Canadian exports, the fallout is being felt not just in factories but also in hospitals. The trade war threatens to drain over $1 billion annually from the province’s health-care system through lost revenues and higher costs for medical supplies. Instead of funding more nurses, beds, and diagnostics, Ontario’s leadership is spending on political optics while patients wait longer for care. Canada’s true deficit is not in trade—it is in health. Ontario’s paradox of priorities Ontario’s health-care budget now exceeds C$80 billion, roughly half of total provincial expenditures. Despite this enormous investment, hospitals remain overcrowded, rural clinics understaffed, and emergency rooms frequently forced to close because of personnel shortages. In 2025, the provincial government launched a C$75 million U.S. advertising campaign—complete with clips from Ronald Reagan’s 1987 radio address against tariffs—to defend Ontario’s manufacturing base and appeal to American public opinion. The gambit backfired. The Trump administration retaliated by imposing a 35 percent tariff on Canadian exports, which rise to 45 percent on certain goods not meeting “America First” domestic-content rules. Ontario, whose prosperity relies on cross-border trade in autos, steel, machinery, and pharmaceuticals, is hit hardest. The economic shock is now rippling into the very heart of public services. The indirect hit to health care Although the tariffs target export industries, their secondary effects—lost revenue, weakened growth, and supply-chain disruption—land squarely on the health-care system. 1. Revenue loss and slower growth: Ontario exports about C$200 billion a year to the United States. Even if only 10 percent of that total (C$20 billion) faces the 35–45 percent penalty, the province stands to lose C$7–9 billion in trade value annually. Lower profits mean smaller corporate and payroll-tax intakes, cutting provincial revenues by an estimated C$500–700 million each year—funds that otherwise would finance hospitals, long-term care, and medical infrastructure. 2. Rising costs for imported health goods: While the tariffs are levied on Canadian exports, the ensuing retaliation and logistical friction drive up import costs as well. Ontario’s hospitals depend heavily on medical technology, diagnostic equipment, and pharmaceuticals that originate in or pass through U.S. supply chains. Border delays, insurance surcharges, and counter-tariffs could inflate procurement costs by 8–10 percent. Given an annual operating budget near C$60 billion, even a modest 1 percent price increase translates to C$600 million in extra spending—money siphoned from patient care to cover higher bills for essential supplies. 3. Cumulative impact: Combining revenue losses and cost inflation yields a C$1.1–1.3 billion annual burden on Ontario’s health system. That sum could otherwise finance 1,200 to 2,400 new hospital or critical-care beds, pay yearly salaries for 7,000 registered nurses, purchase 150 MRI or CT scanners, or fund comprehensive home-care programs for 250,000 Ontarians. Instead, these resources are evaporating through a trade conflict that delivers neither economic stability nor better public health. Meanwhile, patients wait Across Canada, the median wait to see a specialist is 78 days, and one in four patients waits 175 days or longer. Ontario faces some of the worst backlogs for elective surgery among G7 countries. In northern communities, doctor shortages persist; in urban centres, ambulance off-load delays have become routine. It is difficult to justify multimillion-dollar ad buys in U.S. media markets while emergency rooms at home struggle to find enough nurses to stay open overnight. Political messaging has taken precedence over measurable service improvement. Eroding equity and the social contract Universal health care remains Canada’s proudest social covenant: access based on need, not wealth or geography. Yet that covenant is eroding under fiscal and logistical strain. When a government invests C$75 million in political advertising that provokes tariffs costing the treasury more than ten times that amount, while hospital budgets strain to maintain basic services, something fundamental has gone wrong. The result is a quiet inequity—urban hospitals absorbing shocks while smaller communities fall further behind. Every dollar spent on public relations warfare is a dollar not spent on the front lines of care. Why Ontario—and Canada—are falling behind • Fragmentation: Provinces administer health care independently, creating duplication, uneven standards, and limited data sharing. • Capacity constraints: Canada maintains fewer hospital beds and diagnostic units per capita than most OECD peers. • Under-investment in prevention: Only about 5 percent of total health spending goes to primary and community care, compared with 8 percent elsewhere. • Workforce exhaustion: Chronic shortages and overtime have driven thousands of nurses to the private or U.S. sectors. • Policy distraction: Trade wars and industrial headlines dominate the agenda, while systemic reform languishes. A road map for renewal 1. Re-centre priorities. Treat health care as national infrastructure, not a secondary political cost. 2. Set measurable national standards. Enforce maximum wait-time targets, minimum bed ratios, and rural-access guarantees. 3. Invest upstream. Strengthen family-health teams, community clinics, and preventive programs to reduce hospital demand. 4. Ensure transparency. Publish all government communication and trade-response expenditures beside health-care investments. 5. Coordinate federally and provincially. Align transfer payments and performance targets to ensure accountability for every public dollar. The lesson Ontario’s C$75 million advertising campaign and the ensuing U.S. tariff escalation to 45 percent reveal a profound misalignment of priorities. Political optics displaced policy substance—and patients are paying the price. If even a fraction of the money and lost revenue tied up in this trade confrontation were redirected to front-line care, Ontario could shorten surgical waits, expand capacity, and restore public confidence in universal health care. Canada’s hospitals do not need patriotic slogans broadcast across American airwaves. They need stable funding, long-term planning, and leadership focused on the well-being of Canadians. Canada does not need future aggravation by unnecessarily antagonizing an unpredictable president already primed for tariff battle. Ontario’s misguided ad, at great taxpayer expense, will put a serious spike in Canada’s future tariff negotiations and can be perceived as direct political interference in US domestic affairs. What do you think?

Saturday, October 18, 2025

A Candid Conversation

A Candid Conversation By Theresa Grant Real Estate Columnist Without question, it is a very different world today than the one I grew up in. I remember being a child living in what was then called uptown, it was actually the Yonge and Eglinton area of Toronto. It was a very modest upbringing. My parents worked hard to give their three daughters what they could. We all helped around the house, took turns doing the dishes and things to help our mom. We were respectful and obeyed the rules set out by our parents. We had one bathroom, one television and therefore had to agree on what to watch. Our parents set out most of the viewing schedule and I remember the whole family sitting around the living room watching Carol Burnett, The Waltons and many other entertaining programs. We as children didn’t use the phone much,we waited for someone to come knocking on the door to see if we wanted to play or we went door knocking ourselves. It was simple, stay close, come home as soon as the streetlights came on. At the time, we could not have imagined it being any different than it was. Progress to us (and to our delight), was returning to school in September to find a new piece of equipment added to the playground. For the many that grew up as I did in the sixties and seventies it is very hard to fathom what is going on with our youth today. Years ago, we thought that older people were looking to recruit the younger ones for their crimes and misdemeanors by telling them that they could not get into any serious trouble due to the young offender’s act.It would often be the case that a couple or a few named young adults would be arrested and we would see on the news that there was a young offender involved who could not be named. It seems that that is not even the case anymore. We see on the news on a regular basis, children as young as eleven and twelveare involved in horrific crimes and there are no older adults involved. Which begs the question, what the hell is going on with our youth?Where are the parents is one of the biggest questions that I hear posed when these stories hit the news. What is going on in homes across our region that would make these children think that it is okay to go out and commit the crimes they do? The most recent that comes to mind is the smash and grab at the Oshawa Centre involving a group of boys aged from 13-19. Then there are the 8 kids involved in the armed robbery of another youth on William Lott Dr. in North Oshawa. Here we had12-, 13-, and 15-year-old girls and boys. Back in the summer there was the swarming of a Pizza worker in south Oshawa that involved an 11-year-old boy and 3 girls aged 13,14, and 15. Most heinous of recent youth criminal acts is the elderly woman killed in frontof her home in Pickering by a 14-year-old boy in an absolutely unprovoked attack. Something needs to change. Now. People need to speak up.

Saturday, October 11, 2025

Tax Efficient RRSP Withdrawal Strategies

Tax Efficient RRSP Withdrawal Strategies By Bruno M. Scanga Deposit Broker, Insurance & Investment Advisor Many Canadians diligently contribute to their Registered Retirement Savings Plans (RRSPs) throughout their working years, aiming for a comfortable retirement. However, when it comes to withdrawing these funds, the strategy isn’t always straightforward. For some, tapping into their RRSPs earlier than traditional retirement age can offer significant tax benefits and financial flexibility. Why Consider Early RRSP Withdrawals? The conventional wisdom suggests deferring RRSP withdrawals to delay taxes as long as possible. Yet, this approach might not be best for everyone. Withdrawing funds during years when you’re in a lower tax bracket can reduce your overall tax burden. This strategy, sometimes referred to as an “RRSP meltdown,” involves strategically drawing down your RRSP before mandatory withdrawals kick in at age 71. By accessing your RRSP funds between ages 60 and 70, you can decrease the account’s size before it’s converted into a Registered Retirement Income Fund (RRIF). This proactive approach can lead to smaller mandatory withdrawals later, potentially keeping you in a lower tax bracket and preserving more of your retirement income. Early RRSP withdrawals can also influence government benefits. For instance, the Old Age Security (OAS) pension has a claw back mechanism for higher-income retirees. By reducing your RRSP balance earlier, you might avoid or lessen this claw back. Additionally, for lower-income individuals, early withdrawals could help in qualifying for the Guaranteed Income Supplement (GIS), which provides added support to those who need it most. Another advantage of accessing RRSP funds early is the opportunity to transfer them into a Tax-Free Savings Account (TFSA). While you’ll pay taxes upon withdrawal from the RRSP, once the funds are in a TFSA, they can grow tax-free. This setup offers greater flexibility for future expenses, such as medical costs or helping family members financially. For couples, early RRSP withdrawals can be particularly beneficial. Imagine both partners have large RRSPs. If one partner passes away, the surviving spouse inherits the RRSP funds, potentially resulting in a significant tax liability due to higher mandatory withdrawals from a larger RRIF. By each partner drawing down their RRSPs earlier, they can manage and possibly reduce the combined tax impact in the future. While there are clear benefits to early RRSP withdrawals, it’s essential to approach this strategy thoughtfully. Withdrawing funds means paying taxes sooner and potentially missing out on the tax-deferred growth those funds would have enjoyed. Therefore, it’s crucial to assess your current financial situation, future income expectations, and retirement goals.

Saturday, October 4, 2025

Canada’s Fall Budget 2025: Between Bold Promises and Fiscal Reckoning

Canada’s Fall Budget 2025: Between Bold Promises and Fiscal Reckoning by Maj (ret’d) CORNELIU, CHISU, CD, PMSC FEC, CET, P.Eng. Former Member of Parliament Pickering-Scarborough East On November 4, Prime Minister Mark Carney will table his government’s first budget since assuming office. Canadians should be aware that this will not be a routine fiscal update. This budget will be nothing less than a test of credibility; a balancing act between urgent promises and the cold arithmetic of national finances. For years, Ottawa has grown accustomed to deficit financing as a political safety valve. Every government since the pandemic has justified red ink with appeals to crisis. However, the Parliamentary Budget Officer (PBO) has found that the federal budget deficit will grow beyond previous projections. The total of just over $132 billion between 2025 and 2028 projected in Budget 2024 has escalated to the nearly $255 billion now projected for those years. Moreover, the debt-to-GDP ratio — the Liberals’ so-called “fiscal anchor” — is no longer guaranteed to decline. Much of this is driven by a considerable decline in federal tax revenues due to the personal income tax cut and other measures, as well as even larger increases in federal program spending. Total operating spending alone (excluding many federal transfers) is projected to be more than $10 billion per year higher than previously anticipated. Adding unannounced measures back into the PBO estimates will make cumulative deficits over the next four years exceed $360 billion—almost three times the amount last year’s budget anticipated. Even more concerning is the fact that federal debt is set to grow at a faster rate than the economy. In recent testimony to a parliamentary committee, the PBO noted that this was the first time in 30 years he had seen a projection where this key measure of fiscal sustainability continued to rise over time. Simply put, federal finances are at a precipice. This should trouble Canadians. Debt is not abstract. It is a mortgage on future taxpayers; a quiet siphon on every program we prize. The more Ottawa borrows, the more billions they sink into debt servicing, leaving less for housing, health care, or pensions. To govern as if fiscal gravity does not exist is reckless, and Prime Minister Carney knows it. Nowhere are expectations higher than in housing. For years, governments of all stripes have promised affordability but delivered little relief. Prime Minister Carney has already unveiled the Build Canada Homes initiative, a sprawling plan to accelerate construction. In this budget, the Liberals are expected to sweeten the pot with tax credits, subsidies, and incentives to coax builders and pension funds into action. However, here lies the contradiction: pouring billions into subsidies without tackling municipal bottlenecks, zoning gridlock, or labour shortages risks throwing money into a void. Canadians want roofs, not rhetoric. Unless Ottawa coordinates with provinces and cities to streamline approvals and mobilize labour, the housing crisis will remain a slow-burn national scandal. Also, beyond our borders, allies are losing patience. NATO’s 2 % of GDP target is no longer aspirational; it is a demand. The liberal government is poised to announce significant defence spending increases — new equipment, recruitment campaigns, and modernization of our aging forces. Canadians seems to be split on this. Many resent the idea of billions for tanks and jets while mortgages crush families. Yet the reality of a turbulent world — Russia’s ambitions, China’s assertiveness, American unpredictability — leaves Ottawa with little choice. Defence spending is not charity; it is insurance. Ignoring it only postpones and increases the bill. Whispers of a GST hike hang over this budget like a storm cloud. No government relishes raising taxes, but arithmetic is unforgiving. With deficits swelling, revenue must come from somewhere. Closing corporate loopholes, trimming boutique tax credits, and modestly raising consumption taxes are all on the table. Opponents will howl, but consider this: Canadians already pay the price of deficits, not in taxes today but in higher borrowing costs. A transparent, modest tax increase coupled with serious spending reform would be more honest than endless borrowing masked as generosity. Pre-budget consultations have revealed widespread anxiety about affordability. Groceries, rents, and energy bills are draining households. The government will likely respond with targeted relief measures — perhaps expanded child benefits or new credits for low-income families. These are politically irresistible, but they raise uncomfortable questions: how many more patchwork programs can Canada afford? And do such measures solve the underlying problems — productivity stagnation, weak wages, and supply shortages — or merely mute the symptoms for another year? For decades, Canada has lagged in productivity growth. Our economy too often relies on debt-fuelled consumption rather than investment. Prime Minister Carney, a former central banker with global gravitas, knows this better than anyone does. Yet productivity is the unsexy word missing from political stump speeches. If this budget does not deliver bold measures — from R&D incentives to trade diversification beyond the United States — then Canada will continue its slide toward mediocrity. Housing relief may win headlines; productivity reform would win the future. All of this unfolds under the shadow of minority politics. The Liberals must craft a budget palatable not only to their base but also to opposition parties whose votes are essential for passage. That means sprinkling in enough social supports to appease the New Democrats, while avoiding measures so fiscally reckless that Conservatives can paint the government as irresponsible. Budgets in minority Parliaments are less about economics than about survival. Yet survivalism cannot be Canada’s economic plan. Ultimately, the Fall Budget 2025 is a referendum on credibility. Can the Liberals admit that fiscal resources are finite? Can they deliver tangible progress on housing without throwing money into bureaucratic black holes? Can they prepare Canada for geopolitical storms while safeguarding households at home? Prime Minister Mark Carney’s reputation as a disciplined, globally respected technocrat will be on the line. If he bends to the temptation of pleasing everyone, the result will be a document that satisfies no one and deepens the deficit hole. If he seizes the moment with a clear, tough-minded plan — pairing targeted investments with genuine spending reform and honest revenue measures — he could reset Canada’s trajectory. This upcoming budget is not simply about numbers. It is about the social contract between Canadians and their government. Do we believe Ottawa can make hard choices, or only easy promises? Do we measure success by the billions spent, or by results delivered? Come November 4, Canadians will hear more than a speech. They will hear whether their government has the courage to level with them, or whether it will continue the comfortable illusion that Ottawa can spend without consequence. The country deserves better than illusions.