MUNICIPAL ELECTIONS ARE COMING AND VOTERS NEED LONG MEMORIES

MUNICIPAL ELECTIONS ARE COMING AND VOTERS NEED LONG MEMORIES Ontario’s municipal elections are coming this October, and if there was ever a time for voters to wake up, pay attention, and hold politicians accountable, this is it. Municipal government impacts your life more than almost any other level of government. Property taxes. Roads. Water. Development. Infrastructure. Emergency services. Housing approvals. Garbage collection. Recreation. Your local government touches virtually every aspect of your day-to-day life. And yet municipal elections continue to have embarrassingly low voter turnout. People complain about taxes. They complain about traffic. They complain about overdevelopment, poor planning, endless delays, lack of accountability, and political insiders running the show. But then election day comes, and many either stay home or vote based on name recognition, slogans, or empty campaign promises. That has to stop. The public needs to start paying close attention not just to what candidates say during campaigns — but to what they actually do once elected. Because far too often, politicians campaign one way and govern another. In Clarington, residents have seen this firsthand. Many will remember the statements made by Mayor Adrian Foster and Councillor Willie Woo regarding the incinerator issue before election campaigns — only for positions to later shift once elected and in office. Whether one supported or opposed the project itself is almost secondary to the larger issue: public trust. When elected officials say one thing to secure votes and then proceed in a completely different direction afterward, it damages confidence in the democratic process. And once trust is broken, it is very difficult to rebuild. This election cannot simply be about personalities, signs, slogans, or social media photos. It needs to be about accountability. Voters need to ask difficult questions: Has this person been accessible to the public? Have they answered tough questions? Have they been transparent? Have they voted consistently with what they promised? Have they demonstrated integrity over time? Have they represented the people — or protected insiders and political allies? And perhaps most importantly: Do they deserve another term? Not every incumbent should be removed. Some elected officials work extraordinarily hard for their communities. Some are accessible, honest, responsive, and accountable. Those individuals deserve recognition and, where earned, reelection. But others have built careers on carefully crafted talking points, selective memory, political maneuvering, and saying whatever is necessary during campaign season. The public needs to stop rewarding that behavior. Democracy only works if voters have memories longer than campaign flyers. This October, the electorate must do three things: First — get out and vote. Second — pay close attention to who is running and what they truly represent. And third — stop re-electing politicians who have repeatedly misled the public or demonstrated questionable integrity over time. Municipal politics should not be a lifetime appointment. If elected officials lose the trust of the people, they should lose the privilege of governing them. The ballot box is the ultimate accountability mechanism. Use it.

Fun on Empty: Making Memories on a Tight Budget

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

Here's the Feedback You've Been Asking For

Here's the Feedback You've Been Asking For By Nick Kossovan There's a common refrain among job seekers: "I want feedback!" Whether it's third-round ghosting, automated rejections, or total silence, job seekers wonder what they're doing wrong and crave answers to improve their chances of getting hired. Two doses of reality: 1. Employers don't owe job seekers feedback. 2. No two recruiters or hiring managers assess candidates the same way. Feedback is highly subjective and seldom universally applicable. Employers aren't career coaches, mentors, or educators. They're business entities with open positions designed to solve specific problems. Employers operate in a litigious society—a fact job seekers conveniently ignore. Providing candid feedback opens a door that corporate legal departments want triple-bolted. A disappointed candidate with a sense of entitlement is likely to misinterpret "culture fit," prompting them to file a frivolous lawsuit. From an employer's perspective, assisting a stranger with their job search is neither their obligation nor will it pay off in terms of time spent. Conversely, legal disputes can have devastating consequences. Employers who reject candidates without explanation aren't being disrespectful; they're engaging in risk management. As Lars Schmidt, the founder of Redefine Work, puts it: “Hiring is not a democratic process; it is a risk-mitigation exercise.” Expecting a company to risk legal action just for your "professional development" isn't just naive; it's a glaring sign of the entitlement that's likely keeping you unemployed . Since recruiters and hiring managers rarely provide meaningful feedback, which, as aforementioned, is understandable, here's some candid, assumptive feedback to help you improve your chances of getting hired. Consider this a professional courtesy. Your Digital Footprint is Controversial Private and professional identities are no longer separate. Employers will review your LinkedIn profile and activity, and Google you to determine if you're interview-worthy. Getting into digital fistfights, posting impulsive rants, bemoaning that "nobody will hire me," and employers don't know how to hire guarantees you won't be invited to an interview. You Didn't Show How You'll Make Money for the Employer Employers don't care about your past responsibilities. If your resume and LinkedIn profile don't clearly show how you influenced your previous employer's profitability—by either making or saving money—and you don't communicate that in interviews, you haven't made a business case for why you should be hired. You Didn't Proofread for Spelling, Grammar, and Typos If you can't be bothered to proofread the one document meant to market your professional worth, why would an employer trust you with their business? A single typo signals a lack of attention to detail—one of the most critical soft skills in any role. Misusing "their" instead of "there" is enough reason for a hiring manager to reject you. Your Use of AI Is Obvious Employers are overwhelmed with "AI-slop." If your resume sounds like it was written by an uninspired robot, employers will notice. The issue isn't using AI itself; it's neglecting to edit the output. By all means, use AI to help draft your resume and cover letters, but ensure you edit, edit, edit until the result is not only accurate but also reflects your authentic voice. You Aren't as Qualified as You Think Self-awareness is a scarce trait. As a job seeker, you must acknowledge that there's always someone younger, more qualified, or hungrier than you. You might have "the skills," but how do they stack up against your competition? You aren't being judged in isolation; you're being compared to other candidates who are just as qualified—if not more so. Your Verbal Communication Skills Are Below Average "If you can't communicate, it's like winking at a girl in the dark—nothing happens. You can have all the brainpower in the world, but you have to be able to transmit it. And the transmission is communication." - Warren Buffett I can't think of any job where verbal communication skills don't matter. If you can't articulate your thoughts clearly and concisely in an interview, good luck getting hired. TIP: Use the Situation-Action-Result (SAR) framework instead of just listing facts. By giving your answers, a "beginning, middle, and end," you make them far more memorable. You're Overqualified Overqualification is a valid concern for employers. For one, you're a "flight risk." Hiring managers are right to assume that an overqualified candidate will quickly become bored, prove difficult to manage because they "know better," or quit the moment a better-paying offer arrives. From an employer's standpoint, an overqualified candidate isn't a safe long-term investment. You Have No Professional Visibility If you aren't visible in your industry, you lack what employers value most: credibility. We live in a world where success often depends on "who you know"; consequently, being unknown drastically limits your career. It's reasonable for employers to expect candidates with 10 to 25 years of experience to have cultivated both a visible personal brand and a professional network. You're Not Likeable (the definitive feedback an employer can't give) Hiring managers hire candidates they like; thus, the truism: likability outweighs skills and experience. If you're arrogant, cold, or socially awkward, your background is rendered null and void. Being the person the hiring manager actually likes is your greatest competitive advantage. Therefore, improving your likability is often the best job search strategy you can adopt.

Dreamers…

Dreamers... By Wayne and Tamara I moved in with my boyfriend five months ago. We've been friends for two years, but only started being romantic a few months before I moved in. We have the same values and want the same things: starting a co-op, starting a family, running a farm, and promoting a better economic system. Big, big dreams! I've known him to be all the things I wanted in a partner—strong, supportive, and optimistic. But almost as soon as I moved in he started to fall apart. He's in university with straight A's, but this term he's been sleeping in, missing class, and failing to concentrate on his homework. He says his intestines feel like razor blades when he tries to study. He spends most of his time playing computer games. He misses buses, forgets to call people, and doesn't know what day it is. He says most days he wakes up not wanting to be alive. He is far from the optimistic, outgoing guy I've always known. I told him I'm leaving because I don't want to be with a man who can't get his life together. He wants me to be patient because this isn't his normal state. The only reason I'm asking for advice is because my intuition tells me better days are coming and I need to see the big picture. Part of me says leave, because if he's this way now, how will he be when there are kids and a farm to run? The other part says wait it out and don’t make a hasty decision. I don't know what to do. Alesha Alesha, your boyfriend is playing video games instead of doing homework. He misses busses and can’t remember the day of the week. That sounds like classic avoidance behavior. Avoidance behavior occurs when we have something we don’t want to face up to. It’s a defense mechanism and it can be totally unconscious. The best thing he can do is get a physical exam to rule out physical causes, then see a therapist to get to the root of his malaise. But what is best for you? You have a dream and you want to change the world. You would like to hold on to him because that’s easier than finding someone else. But it doesn’t look promising. If you want to link his behavior to anything, link it to moving in with him. That suggests he doesn’t share your dream. The status quo effect, not intuition, may explain why you want to stay. That term is used by psychologists to describe a common decision-making strategy. Faced with a choice, most of us look for reasons allowing us to do nothing while refusing to accept reasons which compel us to change. In Chekhov’s short story “The Darling,” a young woman puts on the identity of each man she is with. Married to a theatre owner, her life revolves around the theatre. After he dies she marries a timber merchant and becomes engrossed in the timber business. Again a widow, she shares the aspirations of her next man, a veterinarian. Just as there are women who tell a man “your dream is my dream,” so there are some men who do the same thing. But time reveals the truth. You don’t need your own “darling.” You need someone who shares your passion. As a goal-oriented person, your relationship may feel like a failure but it isn’t. Dreams have to be tweaked to make them work. Seldom can they be realized in the exact form we imagined in our head. Working toward your dream, you will come in contact with others working toward the same dream. Your boyfriend hopes things will get better by doing nothing. That’s not a good strategy for either of you. Both of you need to take action, though action is apt to send you in opposite directions. Wayne & Tamara

The Easiest Thing To Fix in A Struggling Healthcare System

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

Group Insurance Will Look After me, Won’t It?

Group Insurance Will Look After me, Won’t It? By Bruno Scanga Financial Columnist Sally has been working for the same company for over twenty years. About a year ago, she was given a new group benefits booklet because her employer had switched insurance companies. Like most people, she put it aside and intended to read it when she “had the time.” Sally was just diagnosed with terminal cancer and made the time to read her group booklet. She was upset to learn that the life insurance coverage with the new insurer was only one times annual earnings. The previous coverage had been two and a half times annual earnings. Peter had a serious lung infection and spent several weeks in hospital for treatment. He also stayed at home for over a month to recover from his illness. Peter was shocked when he tried to claim disability benefits from his group insurance plan. His employer had been having money problems and had not paid the premiums on the group policy. His claim was denied because the policy had lapsed. Steve is about to retire and wants to continue his group coverage. He learned that there are no provisions for him to continue any coverage at all under the group plan. All he can do is convert the life insurance coverage to a personal plan. The new rates, however, are very high and Steve can only afford a small amount of life insurance. Many people sail through life thinking that their group coverage at work will take care of their needs. Group benefit plans treat all employees the same, regardless of individual needs. Some coverage amounts may be determined by income, but a single worker with the same earnings will get the same benefits as a married employee with children. A group employee insurance plan is a contract between an employer, union or association and an insurance company to provide protection for the employees or members. The only right an employee or member has under the plan is to name a beneficiary for certain insurance proceeds because they are not a party to the contract The group plan can be changed at any time. An employer may decide to switch insurance companies, reduce coverage, or cancel it completely. The insurance company can change the policy on the renewal date, which can increase the premiums, reduce the coverage or refuse to renew altogether. With the average age of the workforce at an all-time high and increasing claims under most plans, premiums are steadily increasing. Employers are taking a closer look at employee benefits and making whatever changes they can to control costs, which too often comes as an unpleasant surprise for employees. For Sally, Peter, and Steve, it is too late to do much, if anything, about their situations. The answer is to view group insurance as a temporary job-associated perk and get personal life and disability insurance now. Once acquired, you will have policies that you control, policies you can convert, assign, change plan or amount, or even cancel, when and if you choose. You just cannot rely totally on our employer, the government or family and friends to look after you. Look after your own future is a rule we should all follow so we can control our future. As cost should be a consider peace of mind and security are also major factors to keep in mind. A good plan is a plan to succeed no plan is a plan to fail!

The Decisions Families Regret Later

The Decisions Families Regret Later By Gary Payne, MBA Founder of Funeral Cost Ontario One of the things people do not always expect is how certain decisions can return to them weeks later, long after the funeral itself is over. Everything may have gone smoothly. People may have said the service was beautiful. Life around the family may already be starting to move normally again. Then someone is driving home from work, or sitting quietly at the kitchen table one night, and a thought comes back that hadn’t been there before. “Maybe we should have slowed down a little.” I have heard different versions of that sentence more than once. If I were gone, I would want my family to understand that this kind of second-guessing is more common than people realize. It usually is not about whether something was large or small, expensive or simple. Most of the time it seems to come from the feeling that a decision did not fully feel like theirs once everything became quiet again. I remember speaking with one family who kept coming back to a visitation they had extended at the last minute because they felt pressure from people around them. Nothing terrible happened. In fact, most people attending probably thought it was the right decision. But afterward, one of the family members admitted it never really felt like what they wanted in the first place. They had simply been trying to avoid disappointing anyone while emotions were high and everyone was weighing in. That part of funeral planning can be harder than people expect. You are not only making practical decisions. You are trying to balance emotions, personalities, traditions, relationships, money, exhaustion, and grief all at the same time. Under those conditions, people sometimes drift into decisions instead of consciously making them. And later, when things settle down, they start looking back over certain moments more carefully. What I have noticed is that people rarely seem troubled afterward by choices that genuinely reflected the person who died, even when those choices were very simple. A quiet gathering. A small room. Coffee and sandwiches afterward instead of something formal. Those things tend to sit peacefully with people when they feel honest. The choices that seem to linger are often the ones that felt slightly disconnected from reality while they were happening. The upgrade nobody really cared about. The extra expense that felt uncomfortable from the beginning. The attempt to satisfy too many opinions at once. Sometimes the regret is not even about the money itself. It is about the feeling that the family lost confidence in their own instincts somewhere in the middle of everything. If I were gone, I think that is what I would want my family to protect most — not the appearance of getting every detail exactly right, but the ability to stay connected to what genuinely felt meaningful to them. People outside the immediate family often move on more quickly than we expect. The family does not. They are the ones who sit with the emotional memory afterward. They replay conversations. They remember moments differently. Sometimes they carry guilt over things nobody else even noticed at the time. Grief can distort perspective that way. A family can handle everything thoughtfully and still find themselves wondering later whether they could have done something differently. That does not necessarily mean they made bad decisions. More often, I think it reflects how deeply people want to do right by someone they loved. If I could leave one thought for my family, it would simply be this: do not measure yourselves against perfection afterward. There is no version of these moments where every decision feels completely certain. What matters more is whether the choices felt sincere once the noise around everything faded. Because eventually it does fade. And when it does, people usually remember far less about the details than they think they will. What stays with them is the feeling of the experience itself, whether it felt pressured or peaceful, honest or performative, connected or disconnected. If I were gone, I would want my family to carry peace from those days, even if they still carried sadness too. Next week, I will write about something many families are surprised by afterward: why guilt can appear even when they believe they handled everything the best they could.

When Other People Start Weighing In

Dead and Gone…

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

Little Dance

Little Dance By Bruno Scanga Financial Columnist Have you ever stopped to think about the sneaky little dance happening in your wallet every single day? It’s a constant tango between inflation and its inseparable partner, purchasing power. The truth is you really can’t have one without the other! Most of us don’t spend our free time pondering economic concepts, but understanding purchasing power is crucial if you want to hit your long-term goals and achieve true financial independence. Think about what financial freedom really means to you: it’s having the exact standard of living you desire, paid for in inflation-adjusted, after-tax dollars, all without ever having to get out of bed and punch a clock again to keep it going. Sounds amazing, right? But here’s the catch. To reach that level of freedom—and hold onto it—you have to plan for how inflation will slowly chew away at the value of your money over the next ten or twenty years. If you don’t build a sturdy shield around your hard-earned lifestyle, you might end up in the incredibly tough position of heading back into the workforce long after your retirement party. Sadly, we’ve seen this become a harsh reality for retirees who had to find jobs again following the heavy economic shock and soaring living costs brought on by the 2020 pandemic. So, what exactly is purchasing power? It’s simply a measure of how far each of your dollars goes when buying the everyday goods and services you need to live. You’ve probably heard friends or family joke about trying to “stretch their dollars” or feeling like “there’s way more month than money.” That’s shrinking purchasing power in action. When you are living on a fixed income, even a modest annual price increase of 2% (the official target set by Canada’s Central Bank) means you will have to burn through your savings faster just to maintain your current lifestyle. If you ever doubt this, just ask someone who has been retired for a decade or two! Or simply think back to your own childhood. Remember when a chocolate bar cost just a dime instead of $1.50? Ask a senior, and they’ll gladly remind you that an average family car today costs about the same as what they paid for a nice house back in the 1960s. That’s exactly why inflation and purchasing power are two concepts you absolutely have to keep in mind when designing your wealth-building and wealth-preservation strategies. Keep in mind that inflation isn’t just about the rising price of groceries or wage bumps. It also shows up as a general surge in asset prices—think real estate and equity investments—and an increase in the total amount of money floating around the economy. So, the next time you hear a news report about a government go ahead with “monetary easing” policies, pay close attention. Often, these large-scale strategies are designed to fix massive public debt problems or solve sluggish economic growth. However, a major side effect is that these actions can stoke more inflation and deliberately reduce your future purchasing power. The great news is that you don’t have to be a victim of inflation. With the right financial strategy, you can use these economic forces to your advantage. Reach out to a financial professional to discuss how you can adapt your portfolio today to protect your financial health for tomorrow!

Meeting Them in Their Game

Meeting Them in

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

Collateral Damage

Collateral Damage By Wayne and Tamara I am writing during a trying time in my life. I am a 35-year-old mother of three children and just recently lost my husband. My siblings and I have been dealing with an alcoholic mother since we were born. There were harsh and horrible memories, but I believe we have all forgiven her. My father who did not drink, but worked two full-time jobs, divorced her when the youngest of us kids was a teenager. My mother has gone through ups and downs ever since. Two years ago she was arrested again for drunk driving. After realizing she’d be facing prison time, she attempted suicide many times. The worst time my mother landed in intensive care for a week on a respirator, unconscious, while her children, sister and brother sat vigil by her bedside. We were told if paramedics arrived 10 minutes later she would have died. Each time she attempted to kill herself, she called one of us kids to let us know and say goodbye after taking all the pills. Well, she ended up doing the time assigned by the court and came out at first a calm and happy person, but she wasn’t given her old job back. She has a fear of working in public, so she won’t take a cashiering job close enough to walk to. As a result she is about to be evicted from her apartment. Since I lost my husband, who was also an alcoholic, I’ve found a cheaper apartment for myself and my children. It has an extra bedroom I’d like to use as a playroom. My uncle offered my mother a place to stay, but she says she doesn’t like his rules. She is demanding to move in with me. She still drinks and has mood swings that explode at the drop of a hat. I don’t believe it would be good for my children so I told her no. I told her to stay with her brother. She told me not to consider her my mother anymore. Her last words were, “I’ll never hate you, but I’ll never speak to you again.” I feel guilty, but I also know my children come first. They are still dealing with their father’s death, as it happened just four months ago. I feel hurt and angry my mother cannot understand what she is doing to me at such a painful point in my family’s life. Marti Marti, you cannot comprehend why a drunken woman doesn’t understand what she is doing to your family. For people not raised in an alcoholic household that is not even a question. They would be astonished if your mother didn’t attempt to destroy your family’s life. When you were young, your mother prepared a cocktail for you and your siblings. She mixed normal with what is normal only in alcoholic households. One result is you can say “I married an alcoholic” as casually as another woman might say, “I was raised Lutheran, so I married a Lutheran.” Every aspect of your life, and now it appears your children’s lives, has been affected by alcohol. You say your kids come first. That’s only believable if you eliminate alcoholism from their home life. That you feel guilty about not bringing your mother into your home suggests you haven’t grasped the full extent of her abuse. Legal and medical professionals who deal with people like your mother couldn’t help her. You can’t either. But you can get professional help to grow past the trauma you were raised in. The last thing you want to do is replicate the horror of your childhood for your children. Living under your uncle’s rules may be the last chance your mother gets to put her life in order. Her life suggests families need to move away from saving the drunkard to saving the six or 16 lives around the drunkard which are being mutilated. Wayne & Tamara

7 Expectations Job Seekers Need to Let Go Of

7 Expectations Job Seekers Need to Let Go Of By Nick Kossovan Expectations are resentments in the making. Many job seekers today enter the job market with an inflated sense of entitlement, expecting employers to prioritize their self-interests over their own. Instead, they're experiencing a fiercely competitive environment where emotions are decimated, and proving your value to an employer's profitability is your only currency for getting hired. The sooner you realize that the world owes you nothing—not a job, not a reply, and definitely not a career built around your "passions"—the sooner you'll start working strategically on your job search. Success doesn't come from expecting what you think you deserve, which, as I mentioned, is nothing; it's achieved by what you're willing to accept—akin to Rocky Balboa's "You gotta be willing to take the hits!"—by maintaining a more resilient mindset than the job seekers you're competing against, who, for the most part, are busy whining about employers' hiring practices. Job search success in today's job market requires a disciplined focus on what you can control and an indifference to what you can't. It's imperative to let go of the following expectations: Expectation of Communication Silence is communication. You submitted your résumé, had a second interview, and then silence. Ghosting is no longer a breach of etiquette; instead, it's become a social norm. Today, recruiters and hiring managers conservatively receive over 500 applications per role and therefore need to rely on technology that reduces candidates to data points. Silence isn't poor manners or unprofessional; it's the message. Socially or professionally, ghosting is regarded as an efficient way for someone to let you know they've moved on, and you should do the same. Expectation of Feedback In a litigious society like ours, expecting feedback is naive. An employer giving feedback to a candidate they didn't select risks liability issues. In an era of 'strip-mall lawyers' looking for a payday, a single wrong word about 'culture fit' can lead to a discrimination lawsuit. A prudent strategy to avoid giving candidates ammunition for a lawsuit is to refrain from providing feedback to rejected candidates. Expectation of a Fast Hiring Process Corporate bureaucracy is a slow, grinding machine, and the cost of a bad hire, both culturally and financially, is exorbitant. As bad actors flood the job market with AI-generated résumés and exaggerated qualifications, employers are conducting more due diligence than ever. "Hiring is not a democratic process; it is a risk-mitigation exercise. Companies would rather leave a seat empty for six months than fill it with a liability." — Lars Schmidt, Founder of Redefine Work. If you're frustrated by waiting, remember that the employer cares about protecting its culture and bottom line, not your bills. Expectation You Don't Have to Sell Yourself The belief that your "experience" speaks for itself is a form of laziness. Job searching is a sales activity; an interview is a sales meeting. Your résumé isn't a trophy case; it's a marketing brochure. It's not what you did that matters to employers; it's what you can do for them by the end of the next quarter. Unless you clearly explain in your résumé, LinkedIn profile, and especially during interviews, how you'll positively impact the employer's business to make it more profitable, you should expect a lengthy job search. Expectation of Human-Only Reviews Complaining about Applicant Tracking Systems (ATS) is like complaining about the weather; it's pointless and changes nothing. AI is a necessity for companies to sift through the thousands of mostly unqualified applications they receive. "AI isn't the enemy of the job seeker; it is the filter for the unprepared. If you can't speak the language of the machine, you'll never get the chance to speak to a human." — Jan Tegze. When the application process shifted from a handshake to an online portal, the "human touch" vanished. It's what it is. The Expectation of Guaranteed Networking Help No one is obligated to help you. Today, thanks to digital fatigue and heavy workloads, a stranger owes you nothing; someone you've neglected to stay in touch with owes you even less. When you haven't consistently added value to a relationship, don't expect to receive a favour when you need one. With a sense of entitlement widespread, most job seekers think pestering strangers and people they've lost contact with for "a job" counts as networking. Don't be that job seeker! Having expectations of others is more than just a recipe for chronic resentment and anger; it's a self-imposed hindrance that anchors you in a victim mentality. You can't change how a recruiter, hiring manager, or anyone else behaves, and quite frankly, it's not your responsibility to try. Your only job is to manage your own behaviour. The biggest obstacle between you and a paycheque isn't how employers choose to hire or being ghosted; it's your expectations. Conducting a job search with the expectation that employers will acknowledge your potential, without any effort on your part, to boost their profitability or hire you on your terms, is why many job seekers are frustrated and angry. The most effective job search strategy a job seeker can adopt is to lower their expectations of what's out of their control to nearly nothing and expect more from themselves.

Sticker Shock Nation. A City Grocery Store Won’t Fix It

Sticker Shock Nation. A City Grocery Store Won’t Fix It By Dale Jodoin Columnist Call it SSN. Sticker Shock Nation. That’s where we’re living now. You don’t walk into a grocery store anymore, you brace for it. You move slow, scan the tags, and hope you’re wrong. You’re not. The total climbs before you even hit the till. You cut items without thinking. Meat goes back. Extras disappear. You start choosing what to leave behind. This is the new habit, and it’s settled in. Across Canada, people are stretched thin. Rent is up. Gas is up. Food is up. It all piles on. Paychecks don’t move the way they used to. You can see it in the lines at Daily Bread Food Bank. More people show up every week. Not just people with no income. Working people. Seniors. Families with kids. Before we go further, clear this up. You’ll hear that city run grocery stores in the United States failed because of theft. That claim doesn’t hold. Most of the closures people point to were private stores, not government ones. In places like San Francisco, large retailers such as Target shut down locations after losses grew too high. Theft was part of it, along with high costs and lower traffic. The lesson is simple. When losses keep stacking up, even big, experienced companies can’t keep a store open. Now look at what’s being talked about here. In Toronto, Ottawa, and Montreal, the idea is a city run grocery store. Sell food at lower prices. Give people relief. It sounds good. It feels like action. But it skips a hard truth. Running a grocery store is not simple. You need trucks, coolers, shelves, staff, and a steady flow of food. Prices change fast. Food goes bad. Profit is thin even when things go right. Chains like Loblaw Companies Limited, Sobeys, and Metro Inc. have size and experience. They buy in bulk. They run tight systems. And even they feel the pressure. So ask the simple question. If it’s hard for them, how will a city do it better? And if it doesn’t work, who pays? You do. When a public store loses money, that loss does not vanish. It comes from taxes. There is no quiet loss. It shows up on your bill. It may not come right away, but it comes over time, in small ways that add up. Now look at what’s happening inside stores. More items are locked up. Meat, cheese, baby formula. Things that used to sit on open shelves now sit behind glass. There’s a reason. Theft. It’s not the main driver of high prices, but it adds pressure. Stores lose goods every day. Rising prices mean some people steal food to turn into cash for resale. A pack of beef isn’t just dinner anymore. That changes how people act, and it changes how stores run. Staff see the same faces come in. Someone takes something, gets stopped, and then comes back days later. There are reasons. Small charges. Busy courts. Limits in the system. But on the store floor, it feels simple. Nothing sticks. When that feeling spreads, things shift. More cameras. More guards. More locked shelves. Less trust. And once trust goes, everything gets harder. Prices creep up to cover losses. Stores spend more on security. Good customers pay more and get treated like suspects. It wears people down. It changes how people shop, and it changes how they feel about the place they rely on. Now take that same problem and drop it into a city run store. Does it go away, or does it follow the same path? If private companies are already dealing with rising losses and tight margins, a public store will face the same pressure on day one. The difference is who carries the risk. In a public model, the losses don’t sit with a company. They land on taxpayers. That means the bill doesn’t stop at the checkout. It shows up in taxes, fees, and cuts somewhere else. This isn’t about blaming people who are struggling. Anyone can see how tight things are. People are trying to eat, keep a roof over their heads, and get through the week. But a system still has to work. Prices have to make sense. Rules have to be clear. And those rules have to mean something. Right now, they don’t feel like they do. Prices keep climbing. Trust keeps slipping. And the answer being offered is to build a new store and hope it fixes it. Hope isn’t a plan. That’s the risk. If the same problems stay in place, high costs, weak control, and uneven follow up, the result will be the same. Only the bill will change hands. From the store to the taxpayer. Once that shift happens, it’s hard to turn back. Cities will not close these stores easily. Losses will be covered year after year. What starts as help can turn into a long bill that never goes away. So before we build something new, fix what we already have. Push for fair prices people can trust. Make sure rules are clear and applied the same way every time. Support stores so they can stay open without locking half their shelves. That’s where the real work is. People don’t need a new sign on a building. They need to walk into a store, pick up what they need, and not feel that knot in their stomach when they check the price. Right now, too many do. And until that changes, no new store, public or private, is going to fix what people feel when they shop. They feel alone in it, and they’re tired of carrying it.

When Procedure Becomes a Weapon at Clarington Council

When Procedure Becomes a Weapon at Clarington Council In theory, municipal democracy runs on rules. In practice, it runs on whether those rules are applied consistently — or selectively. And lately, at the Municipality of Clarington Council, the line between the two is starting to blur. The Illusion of Order You’ll often hear references to Robert's Rules of Order — the gold standard of meeting procedure. It sounds reassuring. Structured. Fair. Democratic. But here’s the truth most residents don’t know: Clarington doesn’t actually run on Robert’s Rules. It runs on its own Procedural By-law, under the authority of the Municipal Act, 2001. Robert’s Rules are, at best, a guideline of last resort — not a free pass for improvisation. So when they’re invoked loosely, or selectively, something else is happening. The Referral Motion Loophole Let’s talk about referral motions — the procedural equivalent of “send it back for more work.” On paper, these motions are simple: - Where is the matter going? - When is it coming back? That’s it. They are not supposed to be: - A second debate on the issue - A political soapbox - A workaround to revisit arguments already made But at Clarington Council, something different is unfolding. When “Where and When” Becomes “Whatever You Want” Repeatedly, we’re seeing: - Members speaking at length on the substance of issues - Arguments being re-litigated during referral motions - The Chair allowing broad commentary far beyond procedural scope And here’s where it gets uncomfortable: That latitude is not always applied equally. Some are cut off. Others are given the floor. Same motion. Different rules. Why This Matters (More Than You Think) This isn’t about technicalities. It’s about control of the meeting. Because when procedural rules are bent: - Debate can be extended or suppressed at will - Outcomes can be influenced without formal votes - Certain voices can be amplified — others muted That’s not governance. That’s procedural engineering. The Real Rule Being Broken Let’s be clear — this isn’t about misquoting Robert’s Rules. It’s about something far more serious: Inconsistent application of the Procedural By-law And under Ontario law, that raises real questions: - Are decisions being made fairly? - Is the process transparent? - Is the Chair exercising discretion — or bias? Because once rules become flexible depending on who is speaking… They stop being rules at all. The Consequence No One Talks About Here’s the part they won’t say out loud: When procedure is applied inconsistently, it creates: - A record of procedural unfairness - Grounds for formal complaints - And in extreme cases, exposure to legal challenge That’s not political theatre. That’s administrative risk. So What Happens Next? There are only two paths forward: 1. Apply the rules consistently - Limit referral debate to process - Enforce scope equally 2. Continue down the current path - And accept that the legitimacy of decisions will be questioned Because once the public starts to see the pattern… They don’t unsee it. The Bottom Line Procedure is supposed to protect democracy. Not be used to shape it. And at Clarington Council, the question is no longer whether the rules exist. It’s whether they’re being used as a framework — or as a tool.

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

MOM - ‘WHEN I GROW UP I WANT TO BE A REFUGEE...’ By Joe Ingino BA. Psychology Editor/Publisher Central Newspapers ACCOMPLISHED WRITER/AUTHOR OF OVER 800 ,000 Published Columns in Canada and The United States I have seen firsthand the economic struggles many people are facing today—from those on the brink of eviction for unpaid rent, to families losing their homes to financial institutions unwilling to grant even a short extension. Across the country, the overall quality of life appears to be declining. Concerns about crime are rising, and the number of Canadians experiencing homelessness continues to grow at an alarming rate. This week, an announcement drew attention: Pickering to host an accommodation site for asylum seekers.According to Durham Region, a former hotel in Pickering is being converted into temporary housing for asylum seekers. The federal government has provided funding for the purchase of the property; however, neither the total investment nor the projected operating costs have been publicly disclosed. The site will serve as the Durham Reception Centre.Let me be clear—I have no issue with immigration. I am an immigrant myself. I came to this country with the same goal shared by many others: to build a better life, respect the laws of the land, and contribute meaningfully to Canadian society.I recall being asked as a child what I wanted to be when I grew up. My answer never changed. I was inspired by the uniform of the RCMP and the idea of serving a country that had given my family so much. To contribute to that legacy felt like both an honour and a responsibility. Today, however, I sometimes question whether that same sense of purpose is as widely shared. Canada has long been a nation built on diversity, but it has also relied on a shared commitment to integration, mutual respect, and civic responsibility. Increasingly, there are concerns about whether that balance is being maintained. At the same time, local governments are making significant financial commitments—such as the reported $7 million allocated toward a reception centre in Durham Region. This raises difficult but important questions: how do we balance support for newcomers with the urgent needs of Canadians who are struggling to afford basic necessities like food and housing? Behind these issues are real people—our neighbours, our families, our fellow citizens. These are conversations worth having, and perspectives worth sharing.

Parliament Is Not a Training Program

Parliament Is Not a Training Program by Maj (ret’d) CORNELIU, CHISU, CD, PMSC FEC, CET, P.Eng. Former Member of Parliament Pickering-Scarborough East At a time when Canada faces mounting economic pressure, geopolitical instability, and a troubling erosion of public trust, we should be asking a fundamental question: Who is governing us—and on what basis? Being a Member of Parliament is not a learn-on-the-job position. It is not an internship, nor is it the natural next step after years spent as a political staffer. It is a national responsibility that demands demonstrated competence, tested judgment, and real-world experience—long before one ever rises in the House of Commons. Yet increasingly, we are normalizing a political pipeline that begins and ends within the same narrow ecosystem. Too many candidates today have spent their entire professional lives in politics—advising elected officials, crafting messaging, managing communications, and navigating internal party dynamics. They understand process, certainly. However, process is not governance. The distinction is not academic—it is consequential. Canada is not a theoretical exercise. Decisions taken in Parliament affect livelihoods, national security, infrastructure, and the long-term trajectory of the country. Those decisions require more than familiarity with procedures or party discipline. They require the kind of judgment that is shaped only through experience where outcomes carry real consequences. In engineering, failure is measurable and often unforgiving. In military operations, mistakes can carry immediate and irreversible costs. In business, poor decisions can mean lost jobs and shuttered enterprises. These environments cultivate a level of accountability and decisiveness that cannot be replicated through exposure to political process alone. Parliament needs more of that grounding. When legislators debate national defence, they should understand more than procurement terminology—they should grasp the realities of deployment, command, and risk. When they legislate on infrastructure, they should know how projects are built, financed, and maintained. When they shape economic policy, they should have firsthand experience with investment, payroll, and market uncertainty. This is not an argument for exclusivity. It is an argument for competence. A Parliament increasingly populated by career political operatives risks becoming insular, self-referential, and detached from the realities of the citizens it is meant to represent. It becomes a system that rewards message discipline over independent thinking, loyalty over leadership, and ambition over achievement. Political staffers play an important and often demanding role. Many are intelligent, dedicated, and deeply committed to public service. However, staffing is apprenticeship, not qualification. It is preparation—not proof of readiness to assume the full weight of elected office. Canada’s strength has always rested on the diversity of experience brought into public life. Farmers who understand land and food systems. Entrepreneurs who understand risk and growth. Engineers who understand infrastructure and systems. Members of the armed forces who understand strategy and sacrifice. Professionals who have lived with accountability beyond the political sphere. That diversity is not incidental—it is essential. When Parliament reflects a broad range of real-world experience, it is better equipped to legislate wisely, scrutinize effectively, and respond to the complex challenges of a modern nation. When it does not, it risks becoming disconnected from the very people it serves. Public trust in institutions cannot be rebuilt through messaging strategies or carefully crafted narratives. It is rebuilt when citizens recognize competence in those who govern them—when they see individuals who have demonstrated judgment under pressure, delivered results in demanding environments, and contributed meaningfully before seeking office. Being a Member of Parliament should be the culmination of a career of contribution—not its starting point. Canada does not need more individuals who know how Ottawa works. It needs individuals who understand how the country works—how decisions affect communities, industries, and families across the nation. That kind of understanding cannot be acquired solely within the confines of political life. It must be earned through experience, responsibility, and accountability outside it. If we are serious about renewing our institutions and strengthening our democracy, we must be equally serious about the standards we expect of those who seek to lead. If we continue to elect those who have only ever worked in politics, we should not be surprised when politics is all they know how to produce. What do you think?

Composting Magic

Composting Magic by Larraine Roulston ‘Protecting Our Ecosystem’ International Compost Awareness Week, celebrated the first week in May, provides compost councils on both sides of the border, to celebrate the event with outreach activities. Composting is one of the most important actions that one can do to fight climate change and support a thriving, sustainable future for all life on earth. Call compost a heap, a pile, or a mound— it’s a world full of busy worms, insects, and billions of organisms. Bacteria, fungi, and protozoa, which are all too small to see, start the decomposition process. Compost heaps should be covered with leaves or soil to avoid attracting animals. A layer of soil also introduces microbes. If compost has a nitrogen odour, it contains too many kitchen food ‘greens’. To solve this issue, aerate the pile and add more dry leaves ‘browns’. Compost soaks up great quantities of water and stores it as a film on tiny soil crumbs called aggregates that give soil its structure. During long rainless periods, plant roots seek out and absorb this moisture. This results in healthier plant growth. DIY composters can be made from any of: slatted wood pieces, pallet skids, chicken wire, or cinder blocks. Large barrels with holes around the sides for ventilation and on the bottom for drainage can also be used. Commercial composters have a sliding door at the base in order to allow a shovel to access the finished compost. Tumblers sit sideways on a triangular stand. Organics decompose quicker when spun. Do not add worms. Unfortunately, its sliding door freezes in cold weather. You can place a tray underneath to catch any liquid which can be used as compost tea. Black ‘digesters’ are set about 15 cm (6”) into the ground. As they are anaerobic, they accept bones and meat - more suitable for small yards. Utilizing compost results in healthier plant growth. For businesses, compost provides a revenue from organic resources that contributes to a circular economy. Presently, rising fertilizer prices demonstrate a farmer’s vulnerability in relying on synthetic and mineral fertilizers. Compost will improve the resiliency of our agricultural systems and mitigate the consequences of future crises such as the one currently facing us today. "Fossil-fuel-based synthetic fertilizers are like steroids providing a quick boost of nutrients directly to plants for fast growth but do nothing for soil health. In contrast, compost – which is a made-in-America product – provides a feast for the soil, adding organic matter and fostering beneficial microbial life. This leads to slow release, long-term fertility and so many other benefits from better soil structure to higher water-holding capacity, which can make the difference in whether a farmer’s crop survives drought conditions or not.” Brenda Platt, Director, Composting for Community Initiative, Institute for Local Self-Reliance. Compost for residents results in healthier plant growth. For businesses, compost provides a revenue from organic resources that contributes to a circular economy.

Do any of the below factors resonate with you?

Do any of the below factors resonate with you? By Bruno Scanga Financial Columnist I hold traditional investments inside my holding/operating company I am looking to diversify my holdings towards an alternative tax advantaged asset class I want to increase the internal rate of return on my estate plan. I want to maximize the Capital Dividend Account balance (corporate IFA). I have an existing permanent insurance plan with cash value and want access today. I want to set up a charitable giving strategy without affecting cash flow. Did you know that you can leverage permanent life insurance policies using immediate financing arrangements? How an IFA works You own contract for a permanent life insurance policy which created significant Cash Surrender Value (CSV) in the policy’s over the years you owned it. The policy is assigned to a Bank as collateral to secure a line of credit. You pay the annual recurring insurance premium. You borrow back up to 100% of the CSV. (Or borrow back the entire premium by providing additional collateral security.) You use the line of credit for investment purposes – for example, to fund an operating business, purchase real estate or invest in a nonregistered investment portfolio. Steps 3-5 are repeated annually. When you pass away, the outstanding loan is repaid out of the death benefit and the remaining proceeds are paid to your beneficiaries. The two most common IFA structure 100% Cash Surrender Value Lending With this strategy, you borrow only 100% of the CSV of a policy each year which is, of course, less than the premium payment. The advantage to this structure is that the CSV of the policy creates a rapidly increasing borrowing capacity over time. The drawback is that there is a significant net funding requirement from you in the early years of the policy. 100% Replacement of Premium With this strategy, you pay the annual premium then provide extra collateral security – in addition to the CSV of the policy – to borrow back 100% of the premiums each year. The advantage of this structure is that you experience only a modest net cash outflow (net annual interest costs) in comparison to the death benefit, which increases the rate of return of the structure. The drawback is the requirement to provide additional collateral security. (However, the additional collateral security requirement may well fall and eventually disappear over time.) To get started with this always contact your Life insurance advisor and review the options that are best suiting your situation. Happy Planning!

Why the Information Doesn’t Always Match

Dead and Gone… Why the Information Doesn’t Always Match By Gary Payne, MBA Founder of Funeral Cost Ontario Founder, FuneralCostOntario.ca There is a point where things can start to feel a little unclear. Not right at the beginning. Usually after a couple of conversations. After a few explanations. After some numbers have been mentioned. You start hearing similar things. But somehow they don’t quite land the same. If I were gone, I would want my family to know that this happens more often than people expect. One place explains things one way. Another explains them differently. One estimate might seem shorter. Another… feels like there’s more there, even if it’s not obvious why. One conversation feels easier to follow. Another leaves people a bit unsure, even if they can’t quite put their finger on it. And quietly, a question starts to build. “Are we actually comparing the same thing?” I have seen families reach that point. Not because anyone has done anything wrong. And not because the family isn’t paying attention. It’s just hard to take in unfamiliar information when so much else is already sitting on your shoulders. Sometimes something looks lower at first. Later, the picture shifts a bit. Sometimes something feels more expensive. Then it turns out more was included from the start. That isn’t always easy to see in the moment. Usually it isn’t. It often becomes clearer later. After people have stepped away. After they’ve had a chance to talk it through a bit. After they’ve looked at things again with a little more breathing room. If I were gone, I would want my family to give themselves that space. Not to overthink everything. Just to let it settle. Because this is the kind of situation where understanding tends to come in pieces. Not all at once. There is another part of this that matters too. How something is explained can shape how it feels. A shorter explanation can feel simpler. A longer explanation can feel like more. But those impressions don’t always tell the full story. If I could leave one quiet thought, it would be this: It’s okay not to fully understand everything the first time. It’s okay if you need to hear it again. It’s okay to ask the same question a second time. Clarity comes that way sometimes. Slowly. And that’s enough. Next week, I will write about something many families find themselves trying to do at this stage: compare options without feeling overwhelmed by them.

Anger Is Its Own Illness

Anger Is Its Own Illness Common Sense Health – Diana Gifford-Jones “He preaches patience that never knew pain.” That line has been around for more than a century, and it still holds up. Spend time around people who are struggling, and you see why. Some are not just discouraged. They are angry. Angry at their health, at the system, at the people around them, and at life itself. Chronic disease changes everything. Diabetes can lead to amputation of a leg, sometimes both of them. Cancer brings fear and uncertainty. Arthritis limits movement and pain becomes a permanent companion. Others are trapped in situations that are just as damaging – abusive relationships, financial stress, or a system that promises support but delivers nothing of it. It doesn’t take much for frustration to turn into anger. But anger carries a very large cost. Research has shown that chronic anger raises blood pressure, increases stress hormones, and raises the risk of heart disease. It also worsens sleep and can make pain feel more intense. In short, it adds another layer of trouble to people who already have enough to deal with. I knew a man who lived this way. He was angry at everything. Conversations with him went in one direction. Nothing worked. No one was doing enough. Life had treated him unfairly, and he was not going to let it go. Then he had a stroke. Afterward, something changed. He was calmer. Less reactive. The anger that had defined him was no longer there. Doctors reported that the brain controls more than movement and speech. It also regulates emotion. When it is injured, behaviour can change. Neurologists have reported both increased irritability and, in some cases, a reduction in long-standing anger. But most people are not going to have a stroke that resets their outlook. There is growing evidence that certain practices can shift the brain’s patterns over time. Research in neuroscience is showing that even as we age, the brain is not fixed. It doesn’t stop adapting at some particular age. It can continue to be stimulated or exercised in ways that rewire certain circuits. Cognitive behavioural therapy, for example, teaches people to examine the thoughts that drive anger and disrupt entrenched patterns of thought. Mindfulness training helps create a mental pause before reacting. Exercise reduces tension and improves mood. These are not quick fixes, but they are supported by research. Still, many people resist. They feel their anger is justified. But being justified does not make it useful. So what do you say to someone who is angry with life? Telling someone to “stay positive” may not be a helpful message to people who are not yet able to appreciate the intention of the words. When consumed in anger, people perceive even olive branches as kindling to light a bigger fire. But there is a question worth asking. That is, is the anger helping? And it’s best to find the right person to delve into that discussion. Who is able to open and sustain a wholesome discussion about wellbeing? It might not be the most obvious candidate. But the point is to note that if the status quo does not involve good sleep, health, or relationships, then it may be time to try something else. This is not to deny the issues or pretend things are fine. But the goal is to reduce the cost of carrying that anger every day. And time is not always on side with these matters. Managing life’s challenges can be difficult enough on their own. Don’t make them even harder by just waiting for change. Make it happen.

From Ashes

From Ashes By Wayne and Tamara My life has been a disaster. My father was a legendary drunk who lied, chased women, and left us penniless when he died at age 48. My mother was hooked on prescription pills, smoked like a chimney, and was miserable until she passed. My sister is alcoholic and will probably die drunk. I managed to get a master’s degree and some successes, but typically in relationships I lose myself and the rest of my life crashes and burns. I’ve been so codependent in the past I lost a job by trying to please a woman. Then, of course, she left because I didn’t have a job! I suppose I have to laugh about that. I had some problems with booze also, but I haven’t drunk in 12 years. Here is something you wrote which definitely applies to me: “The effects on children of living with an alcoholic are well known. These include depression, inability to form close relationships, relentless self-criticism, inability to complete projects, and constant approval seeking. Children growing up in a household with an alcoholic are damaged children.” I am resilient and keep going, trying to live a spiritual life, but sometimes feel like giving up. I married a beautiful but materialistic woman who committed adultery with a wealthy man, stole my money, and left after she put a curse on me with a chicken egg. No, I’m not kidding. I obviously made a bad decision. I didn’t drink a drop through all this, but now I have little hope for the future. It could be a lot worse. I have little money, but at least I have no alimony or child support payments. I am physically healthy, and I have a good job. My question is: what hope is there for us damaged folk? I’ve made a ton of progress from where I was 20 years ago, but I am afraid to do anything now lest some unknown character defect, caused by my childhood, ambush my thinking and cause me more pain in the future. I have become the poster boy for caution. Clint Clint, the children of alcoholics live in their own levels of Dante’s hell. Their life begins, as the poet said, in a place “savage, rough, and stern, which in the very thought renews the fear.” The worst thing about such families is that they take away the passion for life. But that passion can be restored. Don’t take where you are now as a bad thing. Count yourself lucky. You are a newborn. You are at a perfect starting point. You have your health, you are not drinking, you have a job. Through some hard knocks, you know your weaknesses. You are ready to begin. The well-lived life is full of adventures. It involves learning skills, reading books, taking hot air balloon rides, rebuilding motors, and learning to fly fish. It includes things no one can ever take from you. Think of what you want to accomplish for yourself and fill your own well. When your well is filled, you will have a sense of: look at what is all happening for me. Rediscovering your passions and putting yourself in the way of things brings you in contact with people who are alive. Surround yourself with others whose flame burns bright. Go to them, not to steal their fire, but to inspire you. Go on a retreat, join a gym, begin tai chi, find a therapist, or just relax. Explore. “We want the world and we want it…Now!” says a song by the Doors. But it doesn’t happen now. It happens by degrees, and one day we wake up and bad memories are like dead dates in a history book. They have no emotional charge. Then, instead of desperately searching for someone, instead of being attracted by a female’s facade, you will find the kindred flame that also burns within you. Wayne & Tamara

Canada Is Running Out of the People Who Keep It Going

Canada Is Running Out of the People Who Keep It Going By Dale Jodoin Columnist Try to find a family doctor in parts of Canada. Try to book a plumber when a pipe bursts. Try to get an electrician. More people are hearing the same answer. Not today. Not this week. Maybe next month. It is a warning. Something is shifting across the country, and people can feel it. Canada is getting older. Large numbers of workers are retiring. Fewer young people are stepping into many of the jobs that keep daily life moving. In some areas, there are not enough people to replace those who are leaving. That matters more than many Canadians may realize. This is not about office jobs or distant policy. It reaches into hospitals, job sites, farms, schools, care homes, and small towns. It reaches into the places people depend on every day. For years, Canada has relied on growth to stay stable. More workers supported more retirees. More families kept schools open. More people paying taxes helped keep public services running. That balance was never perfect, but it helped the country move forward. Now that balance is under strain. Across Canada, skilled workers are reaching retirement age. Doctors are leaving. Nurses are stepping away or burning out. Plumbers, electricians, mechanics, truck drivers, and many others are ending long careers. These are not jobs you can fill quickly. Many take years to learn and even longer to do well. Canada did not prepare enough for this shift. The numbers are clear. Nearly one in five Canadians is now over the age of 65, and that share continues to grow. At the same time, job vacancy rates in key sectors like healthcare and construction remain high across the country. That gap is not closing on its own. For a long time, young people were pushed toward one idea of success. Get a degree. Work at a desk. There is nothing wrong with that path, but somewhere along the way this country stopped showing enough respect for skilled trades and hands on work. Too many young people were never told these jobs matter and are worth choosing. Now we are paying for that mistake. When there are not enough nurses, patients wait longer. When there are not enough tradespeople, housing projects slow down. When there are not enough truck drivers, goods take longer to arrive. When there are not enough care workers, seniors and families carry more of the burden. People are living it now. The problem grows when cities and provinces compete for the same shrinking pool of workers. One area offers money to bring in doctors. Another raises wages to pull nurses from somewhere else. Some even pay to move people across the country. It looks like action, but it does not solve the real problem. There are only so many trained professionals available. If one city pulls a doctor from another, Canada did not gain a new doctor. It just moved the shortage. That is not growth. It is a shuffle. While communities compete, the pool keeps shrinking. Canada needs people. In practical, everyday ways. We need workers who can build, care, repair, grow food, drive trucks, open businesses, and raise families. We need people who will step into roles that are already sitting empty. Without newcomers, the slowdown will move faster. If more people leave work than enter it, the country weakens. Fewer workers means less tax coming in. It means more pressure on healthcare and pensions. It means more strain on those still working. It means fewer services and rising costs. There is also a reason Canada still depends on temporary foreign workers. Programs like the Temporary Foreign Worker Program help fill jobs that would otherwise go unfilled. On farms, workers help harvest crops that would be lost without enough hands. In care homes, they support seniors where staffing is already stretched thin. These are not jobs being taken from Canadians in many cases. These are jobs that are open and waiting. Without temporary workers, some businesses would close and some services would slow down even more. That does not mean the system is perfect. Workers must be treated fairly and paid properly. But removing this workforce without replacing it would make a bad situation worse. Canada needs balance. We need to train young people for the jobs the country actually needs. We need to bring respect back to trades, healthcare, and practical work that keeps daily life moving. Schools need to show kids these paths matter. Communities need to value work that is hard and done with the hands. At the same time, we need newcomers and temporary workers to help fill the gaps while the country rebuilds its strength. This is not about blame. It is about reality. This is about whether you can get care when you are sick. Whether your home can be repaired. Whether food gets grown, delivered, and sold. Whether a town can keep its clinic open. Whether businesses can stay open. This is not fiction. This is real life. It is what our country needs if it wants to grow and even hold its ground. People remember a Canada that felt steadier and easier to trust, but that world is gone. The country we have now needs people, skills, planning, and honesty. If we ignore that, the slow decline already starting will not stop. It will become normal, and by then Canada will be in deeper trouble than many expect.