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Louis Hornung

Never a dull moment!

Do the Right Thing!


Canadian Grocery Code

Canadian Grocery Code in Action

Tostitos receipt Around the first week of May, PM Justin Trudeau announced the requirement for grocery chains to sign on to the Canadian Grocery Code; Loblaws responded that it was waiting for competitors to sign on, before it would agree to adhere to the new code.

I typically visit a couple of different grocery stores twice a week, as some of the fresh produce doesn’t have much of a shelf life, and meal planning is subject to change without notice.

I purchased some Tostito Scoops on 2024-05-11, to go along with a fresh, spring vegetable dish that I planned on sharing with friends.

Six days later, I had the need to buy more Tostito Scoops, to take along with a second bowl of the dip, while we watched the Canucks playoff game.

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Why is Canadian debt wrong?

Are the "Haves" forcing you to curb your lifestyle?

We have the Banking Act of Canada, that limits how far in debt any Canadian can go, based upon various tests against their income. If someone borrows outside of the banking system, they are on their own. Naturally, factors like developing a disability, or changes in family life are not a consideration for the opinion of this article.

If most Canadians are servicing their debt in agreement with the terms, why is it wrong that they have incurred the debt? If a family is building a future, that might include a recreational property, or recreational equipment, why has an environment been created that forces them to change a plan, because a renewal might make it unaffordable because of higher interest rates.

Raising the interest rates has done little to stop inflation, but it has forced some of the middle income group to cancel some of their plans and dreams, because they’re smart enough to not let things get out of control, other than the interest rates, that are out of their control.

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Portable Automotive Battery

Imagine if all automakers shared a removable battery!

Once battery technology gets better, and smaller, like an owner replacable case, that sits in a relatively accessible location. You would never own the battery. It would be leased from a supplier that uses the exact same case design as numerous other suppliers. When you purchase a vehicle, it comes with an initial lease that is valid for a certain period of time; after that you would pay the supplier to lease the battery.

Rather than having a bunch of high power charge stations, with lineups to charge, and lengthy delays in resuming your travel, you would pull in to what could be a self-serve or manned location. A fully charged battery would be pulled from a bank of batteries that would replace the cases necessary in your vehicle, while the one(s) you brought would be placed in the charging rack.

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$575 Billion in CPP Fund

Since the 1990s, it was predicted that the CPP fund for senior citizens of Canada would be extinguished to the point that it couldn’t be counted on to provide anything of value for a senior about to retire, if anything at all. Who started that fear mongering, or predicted the lack of vision that we now face?

Here we are in 2023, and the Federal Government has in the vicinity of somewhere over $575 Billion dollars in a fund somewhere noted as the CPP fund, or investment, and managed by the CPP Investment Board. When it’s somewhere over, is that like $150 Million over, or $600 Million over? How is it decided that a person who has worked for 40 - 50 years, contributing to this fund, should receive $717.15 per month if they retire at 65? What sort of return is that for a lifetime of contributions? Is that how we should thank Canadian seniors for their contribution to building and sustaining our Country?

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The Regrowth of Canada

Economists seem to agree, that raising interest rates to curb inflation, may have worked in the 80s, during a time of entirely different economic influences, but real people now are suffering in ever growing numbers, due to poor decision making by our Government and the Bank of Canada.

They have decided to wipe out more of the already declining middle income segment of our country, thereby widening the gap between the haves, and the have nots. Raising interest rates doesn’t effect the poor, because they can’t borrow money; the banks won’t give it to them. The wealthy have money, so they only borrow it, if that means making more money than it costs to borrow, and more than their investments are already making. Banks love to lend them more.

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