Sunday, August 18, 2019

Climate Change - Some Common Sense Input

No Hype
No Hysteria
No Sky is falling sound-bites .........


A sensible approach to the 'sky is falling' hyperbole the left and green screamers keep grabbing headlines with every other day. Governments are only too happy to continue the fear mongering as they see an endless supply of cash filling their coffers via carbon taxes.

City Councillors with an exaggerated sense of their own importance have jumped on the climate emergency bandwagon. This is the same institution that can't keep the garbage trucks running on time.

allvoices

Thursday, August 15, 2019

Cost of using your credit cards as credit

Cost of borrowing using a credit card

The above table appears on the back of a credit card statement showing the actual cost of using a credit card to finance purchases.

Depending on the interest rate your credit card charges carrying a balance of $2,000 on your card will cost you $33.17 to $48.00 per month for the privilege of essentially "buying" something today you really can't afford.

According to this CBC article (2017) Trans Union reported there were over 43,000,000 active credit cards in Canada and the average balance per user was nearly $4100. The total outstanding balance on credit cards was over $91 billion.

It is an over simplification to say that all credit card users carry a $4100 balance as this is an average with some exceeding this amount and some carrying lesser balances, if any at all. That said depending on the rate of interest being charged an average balance of $4100 would equate to an interest payment of $69.00 to $100.80 per month. To put this into simple terms, instead of putting the $4100 on plastic, you opened your wallet and took out 41 $100 bills to buy your stuff, you would in fact have $4200 at your disposal.

If we really need to rely on credit cards to finance our lifestyle we need to rethink our lifestyle. I know it is an old fashioned notion to only buy something when you can afford to pay for it and Canadian consumers and Canadian governments have become slaves to the masters they are borrowing from.

In addition to the cost of carrying consumer debt the average Canadian family of four needs to come up with another $7000 per year just to service the national debt. That figure is based on 2016 data which clearly is outdated and the current cost is considerably higher given the Liberal governments policy of spending more and more money we don't have.

In the end, no good will come from being enslaved by the current banking system that makes serfs of us all in one fashion or another. Anyone who thinks the current system can be maintained indefinitely is deluding themselves and not facing the reality that is the Canadian economy currently. If you took away Canadian's credit cards we would suddenly realize we have been living a lie for decades.

allvoices

Wednesday, August 14, 2019

Socialist World View


While this article comes from the political landscape of our neighbours to the south the basic socialist thinking can be applied to our Canadian socialist parties. At the top of that list of course you have the NDP followed a close second by the federal Liberals. As for the Green Party I don't really know what camp they fit into, they just seem to like hugging trees a lot and keep telling us the sky is falling. Of course the other parties are all climbing onto the climate emergency bandwagon as they recognize a good way to pluck the goose even more with lesser hissing. Even our local city council is buying into that narrative so as to extract more tax dollars from a gullible public.

allvoices

Monday, August 12, 2019

British Columbia Gas Prices


Premier Horgan and company can investigate the reason for high gas prices but seem unwilling to isolate the reason BC gas prices are so inexplicably high. They are not being open and transparent when it comes to the role government policy and taxes impact the price we all pay at the pump.

allvoices

Thursday, August 08, 2019

The Credit Card Trap For Life

Minimum Payment Will Keep You In Debt Forever

An excellent article on Vice.com sheds light on the trap many Canadians find themselves in over their lifetime. That minimum payment on your credit card debt is designed to keep you trapped in debt for your entire lifetime.

The province of Quebec has introduced legislation that requires a minimum monthly payment of at least 2% of the balance which will increase to 5% by 2025. While this still is far from ideal it is an improvement on the current system which insures you will be a slave to the bank for your lifetime.

The Canadian 'lifestyle' is really one of smoke and mirrors which will evaporate the moment our credit cards and low interest mortgages become a thing of the past. Our federal government is running us into debt at a dangerous pace that will insure future generations will be slaves to the debt for their entire lifetime.

It is something this generation of Canadians thinks is the norm - taking possession of what we 'want' today and paying for it tomorrow. Of course, we are finding out that tomorrow never comes.

allvoices

Wednesday, August 07, 2019

Worth Remembering This October

Click image for Macleans Article

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Free Fun Family Event Aug 10

Maffeo Sutton Park This Saturday

Oceanside church is hosting their annual 'Love your City' event this Saturday in Maffeo Sutton Park from 11:00 am - 3:30 pm.

EVERYONE WELCOME
All of Nanaimo is welcome to come and enjoy this FREE fun event the church has been hosting for the past twenty years.

Live music, bouncy castles, jousting matches, face painting, puppet shows, a bouncy obstacle course and more to enjoy.

Free hot dogs, popcorn and cotton candy ..... and did we say it is ALL FREE.



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Thursday, August 01, 2019

More Threatening Than Global Warming?


Dihydrogen Monoxide (DHMO) is a colorless and odorless chemical compound, also referred to by some as Dihydrogen Oxide, Hydrogen Hydroxide, Hydronium Hydroxide, or simply Hydric acid. Its basis is the highly reactive hydroxyl radical, a species shown to mutate DNA, denature proteins, disrupt cell membranes, and chemically alter critical neurotransmitters. The atomic components of DHMO are found in a number of caustic, explosive and poisonous compounds such as Sulfuric Acid, Nitroglycerine and Ethyl Alcohol.


From our rivers and streams to our grocery shelves, this menace is hiding in plain site, yet none of our politicians or activists are sounding the alarm. Why not? This is a peril facing mankind that exceeds the threat of global warming or even climate change.



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