Category Archives: Finances

Suing Ensuing

To sue Shaw or not to sue Shaw that is the question…….although, admittedly, at this point the question is rather moot.

The discussion about homelessness and housing that resulted from the ACS housing proposal, made it clear that citizens do not appreciate how many barriers exist for anyone trying to move off the streets and into housing and  just how difficult it is overcome those barriers.

It is also clear that there is no understanding of just how hard it is to remain housed once one succeeds in finding housing. Especially if one lives on a fixed or low income where your budget has your money spent before you ever get it, months in advance.

Where an unexpected and unavoidable expense presents, at best, a severe financial challenge or begins the death spiral down into homelessness on the streets of Abbotsford once more.

A budget were all monies received are committed to covering expenses such as rent, insurance, phone etcetera; a budget without any ability to set aside some money for emergencies; an emergency that requires you to spend money means something, or several some things, does not get paid.

Which pushes you out onto the slippery slope that leads back to the streets and homelessness; a slide I have witnessed many suffer. It is a prospect, a threat, you are forced to live and deal with; a prospect that weighs on your mind and grinds away at you; a prospect that, even if you manage you finances with skill, puts you through periods of economic strain, poverty and mental stress and distress.

A major automobile expense ripples through my finances with all the subtlety of a tsunami. Couple that with one of the twice a year financial landmines of severely reduced cash flow caused by the interaction of bi-weekly pay periods and monthly payments  and you are staring down the double barrels of increased arrears and homelessness.

The money, robbed from money budgeted to pay the Shaw bill, to pay the automotive expense leaves you scrambling to squeeze money from anywhere in your budget you can to keep internet access.

The severe reduction of cash flow from one of the twice a year landmines means there is no extra cash to be found to appease Shaw and one is faced with the reality that service charges of $85 out of a budget of $100, means you are only going to sink deeper into a financial quagmire and it is time to stop digging.

The introductory low rate of $30 available if you switch service providers permits you to not only pay off what you owe, but will present an opportunity for fiscal wiggle room.

Budget less reduced rate [$100 – $30 = $70] leaves money to catch up, to pay off the amount owing..

So to Shaw’s on-line chat, where you find out you must phone in if you want to disconnect your Shaw service – giving Shaw an opportunity to retain you as a customer. So it is off to the mall to locate a pay phone [car repairs and the looming financial crunch of a month of reduced cash flow have resulted in the loss of phone service – the internet being judged a more vital connection] and speak with Shaw’s customer retention people.

Where I was offered a package that would result in a lower cost, a cost that would let me pay off the balance owing without changing providers and, as the package rate was to be ongoing, it would provide future financial wiggle room and/or the opportunity to add a specialty channel package (Space, BBC).

Even better, the package included phone service.

Unfortunately I would need to pay for connection etc so I would have to do without a phone a while longer. The agent asked me to hold while checking to see if they could include the phone connection.

YES! A day and time [6 – 8 PM on the day of the homeless count]  was arranged for the phone to be hooked up and a number chosen.

With phone included in the cost the budgeted phone cost could pay off the amount owed and allow for setting aside some money each month so the next emergency would not automatically threaten a return to homelessness.

I went to bed that night with……well, dreams of sugarplums dancing in my head and a profound feeling of relief.

The next day I go to use the internet and there is no internet. After nearly an hour online at the Library to access Shaw’s chat I find out that Shaw has decided to renege on the agreement I reached with their representative and am directed once more to phone Shaw’s customer – so called – service.

Where it takes about an hour for Shaw to confirm ‘No Deal For You’ and give me [figuratively] the bums rush out the door – don’t let the door hit you in the ass.

No mention or suggestion of working something out so I could keep Shaw as my service provider. Just a threat about the account being sent to a collection agency if it was not paid off in a month and a transfer to Accounts Receivable where a reasonable person said they would make a note on the account after I explained about tight cash flow and set out what I could budget to pay the balance off over the next three months.

24 hours. Talk about a mood swing, about triggering depression, anxiety, panic, catastrophizing…..

Not only was I left with major challenges to my mental wellness to clean up – I was left Vexed and Vexed I remain.

Being vexed is what had me requesting, just before i was threatened with a collection agency and drop kicked to Accounts Receivable, for a name and address to send a letter outlining what had happened and my thoughts on the matter; a request that was met with direction to the link on the Shaw website to send an email.

I did not ask about emailing, I asked about an address for a letter as this is not a matter that you send off an email about; it is a matter that demands a written letter sent via Post.

Fortunately years as an accountant, in business and management have made me familiar and comfortable with forms. So I have no problem stopping by the courthouse to pick up the documentation to file a claim to sue Shaw in small claims court.

I did as I was instructed, phoning and speaking with an authorized agent of Shaw who made me an offer which I accepted. Offer + Acceptance = Contract.

As customers Shaw does not permit us to say: sorry this is not a deal that should have been made. Try this and they will take every penny out of your hide if necessary

I may not know where or to whom to send a letter about this matter, but I rather expect that I will find serving Shaw with the papers for a small claims court action far more satisfying than a letter – and far more conducive to my mental wellness.

The Government Acting Stupid……

…..is neither an excuse nor permission for citizens to act Stupid.

A fortunate happenstance for Canada and BC, given the levels of Stupid the Federal and Provincial governments have achieved.

In point of fact – governments, politicians, corporations, bankers, people etcetera committing a Stupid never provides an excuse or permission for responding with the commission of a Stupid.

“I/we had to after he/she/it/they did X.” No you didn’t, you could have chosen to act like an adult rather than a sulky two year old.

“I/we had to after he/she/it/they did X.” So, if there was a line of people jumping off the Lions Gate Bridge you would join the line and jump off the bridge because X, Y and Z jumped off the bridge?

What had me thinking about the assertion, “I had to commit a Stupid because Mr. X or Ms. Y committed a Stupid”, was listening to someone asserting that because the government was committing Stupid that negatively affected him, it gave him the right to go out and commit a Stupid and that creating a Stupid was the way to resolve the matter.

Take a look at the world around you. If raising the level of Stupid solved or resolved anything we should be living in paradise given the mind boggling levels of Stupid we have set loose in the world today..

I am not saying that he did not have a right to be P’d at the government’s behaviour; I am not saying he should not act to resolve the problem; I am saying that adding more Stupid to the world is……..well, Stupid.

So our victim, let us call him ‘Larry’………….hmmm – do we need to give him a last name as well?…….Yes? No? Maybe?………argh!……’Nedelkoff’………so Mr. ‘Nedelkoff’, ‘Larry’, had found himself in arrears with child support early in the previous decade. Now ‘Larry’ wasn’t denying or trying to avoid paying what he owed and once he had determined the amount owed he paid it in 2005.

Over the intervening years, even though ‘Larry’ had paid the amount owed in 2005, this matter continued to pop up and cause problems for ‘Larry’. It wasn’t until last year – 2013 – that someone was able to help ‘Larry’ find a telephone number for an employee of the federal government who could determine why this ghost continued to haunt ‘Larry’.

It turned out that after ‘Larry’ had been told that he owed X dollars and had paid the X dollars the government told him he owed, some bureaucrat decided there should have been an interest charge and, without ever communicating the assessment of this interest charge to ‘Larry, added a $9.xx charge to ‘Larry’s’ account..

When ‘Larry’ finally was able to determine what the problem was, and was fortunate enough to be speaking with someone helpful, as opposed to someone playing “abuse the taxpayer”, the $9.xx had been written off so as to resolve the matter in a straightforward manner and time..

Leaving ‘Larry’ believing the matter was finally resolved.

Unfortunately, ‘Larry’ was dealing the federal Conservative government.

So of course ‘Larry’s’ pension is being garnisheed, leaving him scrambling to manage to pay rent every month and avoid homelessness.

Let us leave aside for the moment the question of just how tremendously ethically challenged a government, a country and its citizens are when pensions that are the only source of revenue a pensioner has are garnisheed, causing the pensioner to join the growing ranks of the homeless population.

‘Larry’ has the documentation to support his statements that he paid the amount he owed in 2005; that it was not until 2013 that ‘Larry’ was able to determine that the cause of his continuing problems was a $9.xx charge some bureaucrat imposed without ever notifying ‘Larry and that the $9.xx was written off to close the matter.

Meaning the federal government is garnisheeing his pension, making him un-housed – homeless – without justification, that is to say: illegally.

Adding insult to injury there is no information as to where the funds garnisheed from ‘Larry’ are disappearing to. Well, no information that the federal government is willing to share with ‘Larry’. Apparently as far as the government is concerned all ‘Larry’ needs to know is that he isn’t getting the funds not why or where the funds are going.

Worse, it seems that ‘Larry’ is not unique. Or so ‘Larry’ was informed by the Abbotsford News when he took his plight to the News thinking this was a story they would be interested in. Only to be informed that – Yawn – it was no big deal, it happened all the time and so was not newsworthy to anyone – except one supposes: those who it is happening to.

The recent acquisition and killing off of the Times leaves no need for the News to publish items of interest or relevance to the citizens of Abbotsford.

Aa well, given the Abbotsford News’s rabid pro Abbotsford Council editorial policy, the News would not want to be publishing any story that might suggest that the homeless on the streets of Abbotsford are not all people who have chosen to be homeless but include those who are homeless because of events beyond their control such as being Victimized by their government.

You would think that with a government where people regularly end up in financial distress as a result of government actions such as the garnishee of pensions for a nonexistent reason or pensions cancelled because the person is declared dead by the government even though clearly they are still among the living, that the government would have built in a……failsafe where people in these situations could easily find and contact someone capable of resolving the matter before the victims end up homeless or dead at the hands of a government that is suppose to protect, not victimize, them.

Failing that you would think that having a member of the federal Conservative government as your MP would be beneficial in getting this matter resolved before one found oneself driven into homelessness – in winter.

However when ‘Larry’ went to seek the help of Conservative MP Ed Fast, ‘Larry’s’ situation resulting from an action of the federal government, ‘Larry’s’ situation was either beyond Mr. Fast’s ability to deal with or to unimportant for Mr. Fast to deal with and ‘Larry’ was directed to his provincial MLA.

Pointlessly directed since, in order to protect itself from the federal government downloading financial responsibility for ‘Larry’ from a federal pension to provincial welfare the income assistance system in BC considers ‘Larry’s’ income to be the full amount due him from the federal government. Meaning ‘Larry’ has sufficient income that he does not qualify for income assistance.

Aside:

‘Larry’ is not unique in being caught in the ‘avoid financial responsibility’ war being waged between the federal and provincial governments. A growing number of individuals, who have the misfortune to be dependent on government to survive, have been caught up in and become victims of this war.

The two levels of government are so focused on their financial conflict they either don’t see or don’t care about those who become casualties in their conflict, casualties who sometimes end up homeless senior citizens.

Given the fervour with which both levels of government are pursuing this war, the fervour with which the federal government is pursuing a course of action that seems more about bringing the citizen into a state – dead – that matches the governments records, rather than correcting the governments error and return the person to life…………

…..one cannot help but wonder whether these misappropriated funds are being used to fund the gold, diamond encrusted pensions and unconscionably exorbitant salaries of federal MPs and provincial MLAs or the extravagant salaries and pensions of government employees.

Now there is a concept: government that acts with competence and in the best interests of all citizens, not just the privileged few.

Another addition to the list of excellent reasons for citizens to stop accepting the ‘lesser of evils’ choices the politicians and political parties offer and to replace them with individual citizens with demonstrated trustworthiness, interest and thought about the issues – and who are willing to lose re-election if that is what is required to do a good job.

Because if the replacements are not willing to risk not being re-elected they are not going to be telling the public unpalatable truths or pushing public discussions and decisions – uncomfortable decisions – that are necessary but that citizens want to remain in wilful denial of.

*********

Back to our tale:

When we left ‘Larry’ he was up the proverbial s**t creek without a paddle, short of the $$$ needed to pay his rent in full.

With no idea of how to get the federal government to acknowledge their error and stop garnisheeing his pension, it is understandable that ‘Larry’ is worried and incredibly frustrated with the government’s insisting on keeping their Stupid in place.

Which is, as noted at the outset, neither an excuse nor a justification for ‘Larry’ responding with  a Stupid of his own. Such as breaking a window at the Service Canada building and when the police show up, insisting that the police provide him shelter inside.

When I commented that this seemed a rather pyrrhic approach and that just because the government was increasing their level of Stupid, was not an excuse or permission for ‘Larry’ to add his own Stupid to the ambient level of Stupid,……‘Larry’, unsurprisingly given his mood, pointed out he had not asked for my opinion on his plan to add to the amount of Stupid involved in this matter..

“Larry’ was correct, he hadn’t asked for my opinion, but this it is a mater of concern to ‘Larry’s’ fellow Canadians because:

a)    If we let the government do this to ‘Larry’, how long before they are doing some such thing to the rest of us?

b)    Vandalism comes out of taxpayers pockets.

c)    Police are a municipal expense, letting the federal government be successful in downloading the cost of housing ‘Larry’ to a lower level of government.

Instead of vandalism, ‘Larry’ needs to gather bedding, clothing, toiletries and entertainment/work materials together and arrive at MP Ed Fast’s office just before closing. After he has notified the broadcast media of his need to take up residence in Abbotsford’s MP’s constituency office as a consequence of the federal government choosing to make ‘Larry’ homeless by refusing to correct the government’s error [Adjusting his move in time to accommodate the media’s deadlines should that be necessary].

If the federal Conservative government is responsible for ‘Larry’ becoming homeless, the federal Conservative government should be providing ‘Larry’ with housing.

Hopefully this will motivate our federal government representative, Conservative MP Ed Fast, to have the wrongful garnishee of ‘Larry’s’ pension corrected.

If not there is Plan B – pitching a tent on Mr. Fast’s front lawn.

Sadly:  politicians, political parties and governments have made it clear that citizens need to find ways, often creatively maladjusted ways, to force them to do their job – looking out for the best interests of citizens.

If Canadians want a government that is concerned about the welfare of all Canadians, not just Corporations, the Well To Do and politicians, then Canada needs a Revolution.

A Revolution not of guns and bullets but of Thought; a Revolution where voters no longer meekly accept the ‘lesser of evil’ choices offered by the political parties and instead take action and assert their Right to chose and elect someone interested in their welfare and their future.

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.