Category Archives: Finances

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

Car Trouble – It Came to Pass that…

My friend Tom came by this Sunday morning to take a look at the beast aka my car and decided the pictures I sent of the leak and the part it was leaking out of was accurate and my water pump was shot.

We filled the radiator with all the water it would hold and I hopped in the car and….. noticed that I had left the glove compartment open when I retrieved something from it the previous evening.

Being an old hand at dealing with the Universe’s efforts to get me, I keep a set of jumper cables in the trunk to discourage the Universe from trying to get me with a dead battery. A quick jump and I was racing off to Tom’s although it turned out not to require to much haste as the coolness of the weather allowed me to drive to Tom’s place without the engine getting more than barely warm .

For a while it looked like the Universe was going to be successful in getting me. Everything came apart with relative ease until the pulley that was the last barrier to removing and replacing the water pump, refused to be removed. Even after being blasted by butane torch.

Plan B required removing the alternator to get at and remove the plate blocking access to the last two bolts holding the water pump in place. Two of the three bolts that needed to be removed to remove the plate were awkward, the third was damn awkward.

The first two were removed and the third, obviously one of the Universe’s minions, refused to budge. With the difficulty in getting at the bolt it appeared it was going to be successful in thwarting replacement of the water pump.

However, the bolt and the Universe had vastly underestimated Tom. With the refusal to budge they had challenged Tom, not defeated him. So, girding his loins for battle Tom plunged back into the fray with single minded determination and………emerged victorious.

The bolt was removed and the old water pump freed.

Tom commented that he had never seen a water pump in as bad shape as this one was, with the pulley shaft flopping around through a wide range of motion. Apparently I had been driving on borrowed time for some time, with the cool weather serving to allow the engine to avoid overheating. When the bearings finally shifted enough to uncover the weep hole the water escaped, informing me I needed a new water pump.

Fate had been kind, having the weep hole open up as I was on Highway 1 nearing Clearbrook rather than in Surrey.

Tom called and spoke to someone he knew working at an auto parts store, arranging for me to pick up a new water pump.

On my way back with the pump I made a quick stop at the library to pick up the items waiting for me on the ‘hold’ shelf, including the DVD of the new Bond movie. Aaahhhhhhh, relief. After 5 consecutive days of being unable to visit the library or retrieve my holds I had feared I was slipping into withdrawal.

It only took a few minutes but added to the time being polite and observing good line etiquette at the store required the elapsed time had my phone ringing while I was still a few blocks from Tom’s. After pulling up and parking I checked my phone and it had indeed been Tom, wondering if I had been lost as he had applied the gasket cement and was anxious to have the gasket to put in place as soon as possible.

I didn’t check the phone until the vehicle was stopped because I strongly support paying attention to your driving. Not only with regard to handheld electronic devices but eating, applying makeup, doing paperwork and all the other myriad of ways humans find to distract themselves from their driving. If you think about it, the statistics on the use of handheld devices are frightening in light of the implications those statistics hold about the number of distracted drivers, their victims and accidents causing serious injury and death.

This plague of ‘I HAVE to take this’ is another aspect of the narcissism, the ‘it is all about me’, the ‘screw others’ that has infected Canada and Canadians. I would support adding confiscation of the device to the fines, since the fines don’t seem to have gotten people’s attention, although I think the confiscation should be permanent, not temporary.

Following that word from our sponsors common sense, courtesy and consideration for others, we return to our tale of Universe intrigue.

Opening the box containing the new water pump (the correct pump, human expertise defeating any machinations by the Universe to deliver the wrong pump into my hands) the gasket was removed and placed in position. The pump was removed from its sealed bag, lined up and the last bolts removed to remove the old pump became the first bolts put in place to begin installation of the replacement pump.

And so it went, installing the new pump by replacing the bolts and assorted parts (such as the alternator) in the reverse order in which they were originally removed.

Not surprisingly the installation reassembly proceeded much smoother than the disassembly removal had. Although reinstalling the belt was trickier that removing the belt had been, mainly as a result of the difficulty in getting enough slack from the belt tension mechanism to get the belt over the alternator pulley.

Until the last bolt, that had been there moments before when the reinstallation of the fan housing and the fan blades had begun, pulled a disappearing act. We sought it here, we sought it there, we looked high, we looked low But nowhere was it to be found.

The last piece of the reassembly was missing! It looked as though the Universe was going to get its last laugh and that I would need to visit an auto wrecker to find a replacement bolt and return to Tom’s later in the week to complete the final item of the installation of the replacement pump.

So we abandoned the search for the last bolt and proceeded to fill the cooling system with coolant and start up the engine. After letting the engine run for several minutes it was turned off and the radiator was topped off.

As he was topping off the radiator what should Tom’s eye spot but the last bolt hiding down among the engine parts. Grabbing his telescoping magnet tipped doohickey for retrieving bolts etc Tom plucked the bolt from its hiding place and quickly installed it.

Mission accomplished! Water pump replacement procured and secured in place.

But before i could leave Tom disappeared back to his collection of nuts, bolts, screws etc; returning with what appeared to be two wood screws. “Grab your front plate” he instructed, having noticed that I had lost the front licence plate holder but still had the front plate which was sitting in the front window. That’s the good thing about plastic bumpers he informed me as he proceeded to screw the front plate into position with the wood screws.

I was ready to hit the road………..after borrowing Tom’s battery charger to fully charge up the battery. Lest the Universe be tempted to use a dead battery on the morrow to leave me scrambling to get to my appointment at mental health and to the shelter to do intake.

After all, you’re not paranoid is the Universe really is out to get you.

Beleaguered by the Universe?

Do you ever have ‘those’ days were you find yourself wondering why the Universe is out to get you? I had one Tuesday.

I arrived at the parking lot of the Best Western (ABC restaurant) on Marshall in a cloud of billowing steam, popped the hood and stood back listening to the hiss of water going from a liquid to a gaseous state and watching as the water vapour climbed into the air.

All things considered insanity may be the only reasonable alternative.

I was coming back from a Mental Health Regional Committee meeting in Surrey and had just passed Mount Lehman when the check engine light came on and the temperature gauge climbed to the top of the ‘normal’ range. The temperature red warning light came on just as I was coming up on Clearbrook. I exited Highway 1 there and quickly turned onto Marshall and the Best Western parking lot, arriving in a cloud of steam and a “Hi Ho Silver.”

Recognizing definitive evidence that something in my car’s cooling system was Kaput I made a quiet request to the PTBs (powers that be) that it be only a cooling system problem and that it be something minor like the thermostat.

If the Universe is toying with me it is the thermostat;

If the Universe is out to get me it will be something MAJOR.

As I stood there watching the steam escaping my mind began catastrophising the situation. Fortunately before I managed to spiral into out of control negative thinking and panic, my own water circulating system sent me off (quick step) to the ABC Restaurant’s water closet.

The feeling of relief provided by my visit to the lavatory had me walking back to the car in relative calm.

I had just arrived back at the car and asked myself  “what now” when an acquaintance pulled into the parking lot, for a meeting at the ABC Restaurant and upon recognizing me pulled into a parking slot beside me.

First the cooling system malfunction, then someone arrives and offers help.

Occurrences like that make me feel like the Mouse to the Universe’s Cat.

It is still an amazing struggle for me, when asked how things are going, to reply truthfully that (in this case) something in my car’s cooling system had gone and my car was non-functional.

It is even harder to admit I could use some help and say yes to an offer of help.

As painful as it was to admit to needing and to accept help, after a few false starts and some hemming and hawing I acknowledge a need for a hand and accepted help in starting to deal with my car problem.

He offered to have the car towed to a garage that MCC deals with and see about arranging a payment schedule for car repairs.

The accountant in me, aware of my current financial state and projected cash flow over the next few months, dug its heels in and insisted we not take on a financial obligation of that nature.

So there I was with my mind faced with ‘what to do’ and threatening to switch to squirrel brain mode (picture one of those little exercise wheels for mice, gerbils etc with a squirrel funning nuts on it)………..when my WRAP (wellness recovery action plan) stepped up and handed me the rule to avoid squirrel brain – first things first.

So I said yes to a tow, but to my home rather than the garage and an unknown repair bill and financial obligation.

With the car parked at my place and no pressing need of the car to drive somewhere for a few days there was no need to panic, just a need to reach out and ask for help in determining what is wrong with the cooling system and what I need do to get it repaired.

Well, there was one matter the lack of the car had me needing to deal with, but an offer of coffee from a friend not only got me out of the house, but thoughtfully choosing the location and route to coffee allowed me to return the library DVD on time so that the person with the hold on the DVD could get it in a timely fashion.

Coffee not only relieved worry about returning the library material on time but took my focus off the car and put a smile on my face. We went to McDonalds and I noticed John was interested in the hockey game so I chose to sit where he could easily watch the game on the TV’s.

Watching John struggle to hold a conversation as his attention was drawn to the TV screen put a smile on my face – and a shamrock (yum!) shake over my taste buds.

Getting home I began to commit my tale to paper so as to share the tale and take a first step in finding someone with automotive knowledge and skill to look at the car and tell me what is wrong and what needs to be done to get the car running ASAP in the most cost efficient way (least cost to me).

The tale also serves as an opportunity to comment on how precarious life is for those who struggle to make ends meet in a most minimal manner.

With 16 dollars and some odd cents to my name right now, even the best scenario of it only being a thermostat will require the borrowing and repayment of money; provided I can find someone to lend the money required.

I need the car to get to work to pay the rent and remained housed. It is frighteningly easy in the lower mainland to slip into homelessness. Fortunately I do have people who would trust me to repay them.

And I am can write and share this tale in order to find someone who can supply the expertise needed to diagnose and tell me what is needed to repair my car.

But………what about all those others; the others whose numbers the economy and government policies are adding to, who also are facing a crisis of poverty and lack a means to find the aid they need so as not to become homeless?

They are why it is more important than every that we are willing to make some sacrifices in order to help those who truly need help. Remember that helping does not necessarily require your money, it can be your time, knowledge and expertise to look at a cars cooling system and say “the problem is ……….. and to fix it requires ……….. Or providing a ride to and from the grocery store for a someone (or a family) without a vehicle, saving them the struggle they face in getting groceries.

Let us all commit to trying to do a random act of kindness a day; whether large, small or tiny is not important, it is trying to do that is important………..although on the matter of try Yoda would say “Do or Do Not, there is no Try.”

An old Cherokee chief was teaching his grandson about life…

“A fight Between two wolves is going on inside me,” he said to the boy.

“One is evil – he is anger, envy, sorrow, regret, greed, arrogance, self-pity, guilt, resentment, inferiority, lies, false pride, superiority, self-doubt, and ego.

“The other is good – he is joy, peace, love, hope, serenity, humility, kindness, benevolence, empathy, generosity, truth, compassion, and faith.

“This same fight is going on inside you – and inside every other person, too.”

The grandson thought about it for a minute and then asked his grandfather, “Which wolf will win?”

The old chief simply replied, “The one you choose to feed.