Category Archives: Finances

When the Door drops.

A 1988 Mercury Cougar is a boat of a car; which results in doors that are large and heavy. Over time the hinge pins of the driver’s door wear to the point the door sags just enough so that the latch on the door and the latch on the car are out of alignment.

When this happens it leaves you with a door that gives out a loud ‘KlunK’ and bounces open when you try to close it.

Closing the door from the outside is relatively straight forward since you are standing which grants you the power and leverage to raise the door to align door and car latches.

The important point to know [and remember] is to engage the door lock before closing the door. The only lift point is the door handle and applying enough lift to align the latches often results in the door handle being pulled up into the open position.

Locking the door before you close it ensures that should you pull the door handle into the open position, the door opening/unlatching system is not engaged. Just as if you walked up to your locked vehicle and tried to open the door – nothing happens until you unlock the door.

Closing and locking the door from inside when seated is an entirely different kettle of fish.

Because the coupe has bucket seats and a high, wide centre console, using the passenger door for getting in and out of the driver’s seat is not a viable option.

This forces one to deal with the facts that: a) you lose the leverage advantage that standing bestows,; b) being seated limits the muscle groups you can use in closing the door; c) the outside of the car door is metal, fairly solid metal in a 1988 Cougar, while the inside is plastic and while you may find a leverage point to raise the door, after 2 or 3 times the strain will cause the plastic interior of the door to detach from the metal of the door.

Leaving you sitting there thinking “Well, Damn!”

So what do you do?

You employ the Breckenridge Emergency Ingress/Egress Method.

Employing the Breckenridge Emergency Ingress/Egress Method requires only a single piece of additional equipment – a short (approximately 10 feet) piece of rope. I use the yellow nylon rope available at any Dollar Store.

It has good crushability, important when the door closes and compresses the rope. Dollar Store rope also is cheap so that wearing it out is not an issue – you simply cut another 10 foot length of rope.

To close the door one sits in the driver’s seat and pulls the door almost closed, leaving it open about 15 cm (6 in.).

Taking the rope you fold it in half and taking the loop formed at the mid-point you reach down and hook the loop over the bottom corner of the driver’s door; making sure the two sides of the loop are 4 – 6 inches from the corner. It is important to ensure the two sides of the loop are well spaced away from the corner of the door.

If the loop is tightly hooked just on the corner it will most often slip off the corner. Should it not slip off, with the loop in that position there is insufficient leverage to raise the door enough to align the door and car latches to permit the latches to engage and fasten the door closed.

Once the loop is properly positioned on the corner of the door, you wrap the ropes running into the car around your right hand. The right hand because this positioning results in the leverage that will lift and align the door and car latches and securely latch the door closed.

You use your left hand to support the right hand.

Wrapping the rope around your left hand moves the leverage point into a position more directly above the corner of the door. This results in a reduction of leverage that results in a jarring ‘KlunK’ and the door bouncing open. On the rare occasions it does not go ‘KlunK’ the door fails to engage solidly.

When you make your first right turn the driver’s door forcefully swings open.

Newton – an object in motion wants to stay in motion. If the door is not solidly enough latched inertia brings enough force to bear on the point at which the door and car latches have partially engaged to pull the car and door latches apart.

It is only the hinge pins, those same dastardly pins that allowed the door to sag, that absorb the shock/energy generated that keeps the door attached to the car.

As opposed to the door continuing to move along t\he same line of travel dictated by the laws of motion.

When the door latches engage the rope is pinned over the corner of the door. As a result you drive down the road with a telltale line of yellow rope running across the outside corner of the door.

You need to be careful with the lengths of rope inside the car to prevent the rope becoming tangled in you legs and impairing your ability to drive. Either coil the rope ends up and tuck them down and behind the driver’s seat or run the ropes across your lap to the passenger seat.

The Breckenridge Emergency Ingress/Egress Method will minimize the problems and hassle caused by the door sagging out of alignment until one can buy some pins and find someone to install them for you or until you can save the $$$$ needed to shave a mechanic do the installation.

The door dropping does focus one on the Question of whether to Keep or Replace the vehicle?

The windows on the Cougar work at random, infrequent intervals – an inconvenienced when they don’t go down, a problem when they won’t close; only the fact the air conditioner works so well makes the Cougar usable in the summer. As you drive the Cougar around you can feel that the shock absorbers should be replaced and that the transmission needs to be treated with care to squeeze as many miles out of it before it has to be repaired/replaced. Brakes, replacement tire for the front tire that delaminated (how long will the other tires last)…………

Slowly pour $$$$$ into the Cougar or….or bite the bullet and get a new to you used car?

So I find myself letting my friends and acquaintances know I need to find a replacement for the Cougar before it dies and to keep their eyes and ears open for a ‘steal of a deal’ on a replacement automobile. A ‘steal of a deal’ because I need a dependable vehicle and I need to be able to afford to purchase it within my extremely limited budget.

I am hoping to find a dependable vehicle at an ‘extremely affordable’ price – before my……gentle reminders drive friends, acquaintances and anyone who crosses my path crazy.

A dependable, affordable vehicle so this car replacement I can replace at a time of my choosing rather than being forced to scramble and replace in haste when the Cougar dies.

Not to sound paranoid but……..what is going on with me, my car(s) and the Universe?  Arrrggh.

P.S. Should you know of a vehicle, or become aware of a suitable vehicle that will grant me a respite from car woes……….please, pleASE, PLEASE do me the immense favour of bringing this automotive gem to my attention.

Please. And Thank You.

Re-post: Balanced Budget Realities

Originally published November 2012

If Christie Clark is actually serious about balancing the budget next year, come hell or high water, it is time to consider voting green or to run for the legislature as an independent.

The right always likes to trot out the bogyman of irresponsible NDP spending to scare voters as is currently happening in Ottawa.

And while Adrian Dix has demonstrated a worrisome lack of understanding of, or connection to, the financial realities of the province and its citizens Premier Clark’s promise to balance the budget next year borders on the insane.

Insane: utterly senseless: an insane plan.

Consider these givens: the 2012/13 budget called for expenditures of $43,869,000; the deficit for 2012/13 has been revised upwards to $1,470,000 which is 3.4% of the budget; the rise in the deficit is mainly a result of falling provincial revenues, revenues that are realistically not going to recover for the 2013/14 budget year; the promises Finance Minister Mike de Jong has made concerning the return to the PST means provincial sales tax revenues will suffer a significant reduction next year (on top of the $300 million HST repayment to Ottawa); the cost to provide the same services next year as were provided this year will be higher – particularly health costs which are rising faster than costs in other areas; the rationing of mental health services has already resulted in the deaths of British Columbians as a result of the lack of sufficient services; the increases in Justice costs (police, incarceration etc) will necessitate cutting more funds from the rest of the budget.     

Balancing the budget for 2013/14 will require cutting 3.4% (+) from next year’s budget.

Given the realities of the way the province spends its money most, if not all, of the cuts will have to come from healthcare and education.

Yes you could make cuts to social services, family services and related programs…..but the hard facts are that cuts in those areas do not result in any savings. Rather they result in higher costs to the government in other areas of the budget such as Justice.

Trying to avoid cuts to health and education by making cuts in other areas, areas that tempt politicians and the public because they seem ‘easier’ than cuts to healthcare and education, will inevitably force even deeper cuts to be made to education and health.

Given the level of wilful denial, of self imposed blindness, embraced by both voters and politicians in British Columbia –  Pray that Clark is Lying.

No Surprise, Just Politics as Usual.

The Province posed an e-street Question:

“What has surprised you most about the current provincial election campaign?”

Nothing.

Devoid of ideas, ideals and desperate to avoid addressing the important issues and their painful realities, the Liberals are employing the time tested strategy employed by politicians and parties in that position – frighten the voters. BC’s Liberals choosing to go with the 1990’s and NDP spending as the boogeyman with which to frighten voters.

If you can find no reasons for voters to vote FOR you, find frightening reasons to scare voters into voting AGAINST your opponents and for the lesser evil.

Of course they still are voting for evil, lesser or not.

Devoid of ideas, ideals and desperate to avoid addressing the important issues and their painful realities, the NDP are travelling around the province making spending promises using the imaginary extra $1.5 billion the NDP’s phantasm budget raises.

Of course, had the NDP put the welfare of citizens ahead of the welfare of the NDP there would be 1.5 billion real, not imaginary, dollars to build hospitals.

Instead political expediency and the opportunity to count coup on the Liberals had Adrian Dix and the NDP campaigning for (and convincing) voters to return the $1.5 billion HST bribe to Ottawa rather than use it to address the need for major hospital spending on St. Paul’s, Royal Inland, Haida Gwaii and other projects.

As usual the media is careful to tell British Columbians only what they want to hear; shunning the communication of any information to British Columbians they have a need to know, but don’t want to know/hear about.

‘All the news you want to hear and none of the news you need to know but don’t want to hear or think about.’  

Focusing on the street theatre aspects of the election and, as carefully as the politicians, ignoring the true issues facing BC – the painful nitty gritty reality voters do not want to hear or think about.

Politics as usual in BC.

Although……. I am hoping to be surprised on Election Day by the election of two independent MLAs to represent Abbotsford East and Abbotsford West.

Motivation: an Evaluation Tool

There is nothing we can do about the majority of British Columbians having voted to repeal the HST and return to a PST, except suffer the pain and pay the price.

That Bill Vander Zalm, Adrian Dix, the NDP, the media and the majority of BC residents decided it was a good idea to send $1.5 billion back to Ottawa, instead of using it to construct hospitals and other needed infrastructure, is a triumph of motive over rational, thoughtful decision making.

Leaving us to decide “how important is it” that we start construction to replace/renew St. Paul’s Hospital, Royal Inland Hospital, Haida Gwaii Hospital and any other capital projects before the five years (at $300 million a year) of repayment to Ottawa are up.

If it is decided that we cannot wait the remaining 4 years of repayments to begin construction of hospitals or other capital projects, then taxpayers are going to have to suffer the pain of paying the hundreds of millions of dollars of additional taxes needed to offset the $1.5 billion returned to Ottawa.

As stated there is nothing we can do about the return of the PST on April Fool’s Day but endure the consequences.

But with Election Day on May 14, 2013 only weeks away, it behoves us to seek to understand why the majority of British Columbians decided removing $1.5 billion from the BC budget and returning all those dollars to Ottawa was a good idea.

Because with the challenges facing healthcare, education, the economy, indeed the future of British Columbian’s standard of living – we cannot afford such large scale misinformation or foolishness.

Voters must set aside wilful denial, face the need to set priorities, make tough choices and recognize we cannot have unlimited healthcare or other government services UNLESS WE ARE WILLING TO PAY FOR UNILIMTED LEVELS OF SERVICE.

The complexity, lack of easy answers and the importance of beginning to address the issues demanding BC voters set priorities, make it imperative that voters are informed about and understand the actual state of BC’s finances and the ability of those finances to purchase and deliver services (i.e. healthcare) to citizens.

Wise decision making requires the facts, not rhetoric or spin or false ‘knowing’.

Throughout his HST crusade Mr. Vander Zalm ducked questions as to the $1.5 billion repayment to Ottawa or suggested it would not have to be repaid, even though Ottawa had stated if the HST was repealed the money paid to BC to bring in the HST would – not surprisingly – have to be repaid.

That $1.5 billion repayment is – not surprisingly – resulting in painful negative consequences for the citizens of BC. If Mr. Vander Zalm’s crusade had been about the HST and concerned with the best interests of the citizens of BC addressing the $1.5 billion repayment would have been part of Mr. Vander Zalm’s crusade.

If Vander Zalm’s motivation was not the HST or the best interests of the citizen’s of BC, what could his motivation for his anti-HST (let’s repay Ottawa $1.5 billion) crusade have been?

Given that the existence of the BC Liberals offered an alternative for voters to the Social Credit and thus allowed Bill Vander Zalm’s actions as leader of the Social Credit to destroy the Social Credit, it is easy to see how the Liberals and Gordon Campbell became a target of Vander Zalm’s enmity.

In light of Mr. Vander Zalm’s behaviours as leader of the Social Credit there is no surprise in him putting his personal interests above the interests of the province and its citizens by ignoring the damage repaying $1.5 billion would inflict on BC and its citizens and pursuing the opportunity the HST presented to reduce the liberal Party’s popularity (electability),

For Adrian Dix and the NDP the lack of leadership, the inability to forgo the opportunity to gain public popularity at the expense of the liberals and the failure to put the interests of the citizens of BC ahead of Adrian Dix and the NDP’s quest for power disqualifies them from forming the government.

Any party leader and party who would put their personal political interests ahead of the extremely negative consequences that would result for BC and its citizens from repaying $1.5 billion to Ottawa, lacks the ethics and trustworthiness to address the growing number of issues and difficulties facing BC.

To this day Mr Dix and the NDP continue to try to have it both ways, scoring public popularity while refusing/avoiding responsibility for the negative consequences their support of the HST repeal has, and continues to, cost British Columbians.

In taking the easy way out in seeking to bolster their sagging approval ratings, rather than standing firm as was best for BC, the Liberals share in culpability for the negative consequences the repeal of the HST with its $1.5 billion dollar repayment results in.

Motivation, actions and behaviours are far more useful in evaluating stated policies, trustworthiness, character, leadership, ethics and fitness to govern than any words uttered by political parties and their leaders.

While disappointing, in this day and age it is a given that politicians and political parties are about their own interests, telling voters what voters want to hear, not telling voters what they don’t want to hear, avoiding issues etc. It is why one can predict that the NDP platform in this election will be vague to the point of meaningless.

The most important lesson voters need to take away from the HST debacle is not how venal politicians and political parties are, but that the media (print, radio and television) have no interest in and are NOT about informing the public.

When speaking to Mr. Vander Zalm after the return to the PST the media continued to fail to ask Mr. Vander Zalm why he thought returning $1.5 billion to Ottawa was a good idea; what healthcare and other services Mr. Vander Zalm favoured cutting, what hospital construction he favours forgoing, to repay the $1.5 billion to Ottawa.

As Mr. Dix and the NDP run  around the province talking about the failure of the Liberals and the need to build hospitals or spend money on this or that – has the media ever asked Mr. Dix and the NDP how the government is suppose to spend hundreds of millions of dollars when Mr. Dix and the NDP convinced voters to send $1.5 billion back to Ottawa? Did media ever demand Mr. Dix and the NDP explain why they thought sending $1.5 billion back to Ottawa was a good idea? Or ask what Mr. Dix and the NDP would cut and/or forgo to pay for sending that $1.5 billion back to Ottawa.

Of course not. Bringing up issues would have interfered with the entertainment value, the spectacle and the rhetoric.

And of course, acknowledging their culpability in the repeal of the HST and the return of $1.5 billion to Ottawa would put a damper on media running around crying the sky is falling and we need to spend, spend, spend……..money the province does not have.

Has the media ever asked the teachers what healthcare programs the teachers are calling to be cut so the money can be redirected to the education budget? Because the only budget expenditure large enough to cover the cost of the $$$$$ the teachers are calling on the government to spend is healthcare.

Unless the teachers are calling on the government to eliminate an area of spending (the courts and jails for example) to cover the cost of the large increase in education spending the teachers are calling on. Or perhaps the teachers are calling for the imposition of hundreds of millions in new taxes to be poured into education?

Media does not ask the important question of where the money will come from, it quietly takes its 30 pieces of silver for running the teachers ads calling on voters to vote for their children by voting for any party that will dramatically increase spending on education as though the $$$$$ to pay for spending can be found in a pot of gold at the end of a rainbow.

“We cannot talk about that, people don’t want to hear it”; “Talking about that would reduce ratings, have people turning off or (shudder) turning to the competition”; If it bleeds it leads; the slick, entertaining programming called news is a profit center where the bottom line – not the quality or value of information presented (or not presented) – is the focus and the motivator.

The owners of the media have every right to focus on making money rather than delivering informative, well rounded, balanced reports that increase, not decrease (as it currently does), the public’s ability to make informed decisions.

If you watch Mike Holmes, there is a viewer advisory displayed at the start of the program and every time the program returns from a commercial break.

To protect voters and citizens from being mislead or influenced by the misinformation inherent in today’s broadcast media programming, programming that passes itself off as providing viewers with news and information, should carry a warning that the underlying operational imperatives of the program are based on ratings and financial considerations – not about the public’s need to know.

Media has become about selling the sizzle and ignoring the fact the meat is badly contaminated with Salmonella, E coli, Listeria or Campylobacter.

A lot of people in the media, and some everyday people, really aren’t in search of the truth. They’re in search of something worse than that. Money, yeah. I think the media’s the kind of a thing where the truth doesn’t win, because it’s no fun. The truth’s no fun.      Jack White

BC Hospital Capital Investment

When you heard/watched/read the medical staff at Royal inland Hospital stating the hospital has been running at over 100% every day since 2013 began, what thoughts were triggered in your mind?

My thoughts went back to Monday April 1st as I was standing at the cash register in a thrift store digging for the extra 21 cents imposed on my $3 purchase by the return of the PST.

As I dumped the change out in search of that 21 cents, I thought about just how appropriate it was that the PST came back on April Fool’s Day.

April Fool’s Day being appropriate only because there is no Stupid’s Day.

Because no matter how you spin it, switching back to the PST from the HST was so financially irresponsible, it blew past the line of colossally irresponsible behaviour into ‘did everybody eat several extra bowls of stupid’ territory.

Forget the petty stuff everyone seemed intent on being bogged down in. Yes many will be happy they do not have to pay 7% provincial tax when they eat out – at least until the eateries put prices up by more than 7% to cover the cost savings lost with the return to the PST.

Because all the ‘the government lied’, ‘they promised’, ‘7%! – the government is going to destroy the food services business’ etc is meaningless when contrasted with the consequences for British Columbia and its citizens of repaying $1.5 billion  to Ottawa.

Want to replace or renew Royal Inland Hospital, Haida Gwaii Hospital or St. Paul’s Hospital? That will require an investment approaching $1 billion and, well Sorry, but that $1 billion is being repaid to Ottawa.

Have other important major capital projects that need investment, renewal or replacement? Sorry, but that 1/2 billion dollars is being repaid to Ottawa as well.

Because the majority of the citizens of BC (those who voted to repeal the HST plus those who did not vote against the repeal of the HST) chose to repay Ottawa the $1.5 billion, rather than using the $1.5 billion dollar bribe Ottawa used to ‘encourage’ BC (and Quebec) to adopt the HST in construction of/at St. Paul’s Hospital, Royal Inland Hospital, Haida Gwaii Hospital or other projects.

So as the media and the opposition joyfully (and unhelpfully) run around pointing out the government has not committed funding to hospital construction, we need to remember that the reason government does not have money to fund hospital construction is that Bill Vander Zalm, Adrian Dix, the NDP and the media convinced the majority of BC residents that sending the $1.5 billion back to Ottawa was a good idea.

 

One man alone can be pretty dumb sometimes, but for real bona fide stupidity, there ain’t nothin’ can beat teamwork.  Edward Abbey