Podcasts about revenue canada

Show notes Two Toronto community leaders have gone public about a legal fight involving one of Canada's oldest Zionist organizations, which also runs Camp Shalom, a 75-year-old Jewish summer camp in Ontario. David Matlow, a CJN columnist who also lectures widely about Theodore Herzl, has taken the little-known Toronto Zionist Council to court over allegedly restricting who can be a member, claiming the organization only allows Jews who hold right-wing political views on Israel and Zionism. His legal case also alleges years of financial mismanagement by the organization's former (and one current) directors, negatively impacting the TZC's neglected Toronto headquarters at 788 Marlee Avenue, and Camp Shalom, in Gravenhurst, Ont. The lawsuit has been before the courts since August 2022. But while it continues, Matlow's not-so-quiet pressure campaign has already resulted in a partial victory: the replacement of nearly all the longtime TZC directors at the centre of his allegations. Guidy Mamman, a Toronto immigration lawyer, was named the new president of the TZC board, and says he's vowing to set things right. He wants to help Camp Shalom grow, fix the office building on Marlee, investigate any financial wrongdoing and even try to retrieve any allegedly missing money.  On today's episode of The CJN Daily, we bring you the full fascinating back story with plaintiff David Matlow and with new TZC president, Guidy Mammon. What we talked about: Read our first part of the investigation into the squalid conditions of The Toronto Zionist Council's headquarters at 788 Marlee Ave., in The CJN. Watch our tour inside 788 Marlee, on The CJN's YouTube channel. See the 1995 letter from Revenue Canada revoking an affiliated charity that illegally sent money to the West Bank. Credits: The CJN Daily is written and hosted by Ellin Bessner (@ebessner on Twitter). Zachary Kauffman is the producer. Michael Fraiman is the executive producer. Our theme music is by Dov Beck-Levine. Our title sponsor is Metropia. We're a member of The CJN Podcast Network. To subscribe to this podcast, please watch this video. Donate to The CJN and receive a charitable tax receipt by clicking here. Hear why The CJN is important to me.

The Habsworld podcast is back to beat the winter blues. Host Norm Szcyrek welcomes cohosts Sean Cayouette, Paul MacLeod, and Jonathan Rebelo to talk about our beloved Montreal Canadiens, several other hockey topics, and share a lot of laughs. This podcast was recorded on the evening of February 21, 2024. We have a full roster of topics including: Montreal Canadiens trivia Discussions about the February 22nd game vs Buffalo Improved play of Arber Xhekaj Pros and cons of the trade rumours involving Trevor Zegras Talk about the Sean Monahan trade; could he return to Montreal in the offseason? Canadiens improved power play and Juraj Slafkovsky's strong recent play Montreal's Prospect list on The Athletic Habs prospect watch: Vinzenz Rohrer Elliot Friedman believes the Habs will keep their 3 goalies the rest of this season Rookie Brandon Gignac gets his big break with Montreal Topics around the hockey world: Morgan Reilly suspension for headshot to Ridley Grieg, John Tavares is fighting Revenue Canada over his 2018 signing bonus

BIO: Kim Ades is the Founder of Frame of Mind Coaching™ and Co-Founder of The Journal That Talks Back™. Recognized as a pioneer in leadership coaching and thought mastery, Kim uses her unique philosophy and quirky coaching style to help leaders identify their blind spots and learn to direct their thinking to achieve extraordinary results.STORY: Kim had partnered with a friend and her ex-husband to start a business, but as her marriage unraveled, the partnership became hard. Kim decided to sell the company to her husband but didn't take the time to understand the deal. Three years later, Kim learned that she owed the government $300,000 in taxes from the business she'd sold.LEARNING: When things are very stressful, it's a good idea to slow down instead of speeding up. Don't be forced into a decision without understanding all the elements. "If you don't understand what's going on, don't just quickly make a decision. Slow it down, get your information, and make sure you understand fully what's going on."Kim Ades Guest profileKim Ades is the Founder of Frame of Mind Coaching™ and Co-Founder of The Journal That Talks Back™. Recognized as a pioneer in the field of leadership coaching and thought mastery, Kim uses her unique philosophy and quirky coaching style to help leaders identify their blind spots and learn to direct their thinking to achieve extraordinary results. Author, speaker, entrepreneur, coach, and mom of five, Kim's claim to fame is teaching her powerful coaching process to leaders, executives, and entrepreneurs worldwide.Worst investment everWhen Kim started her first company, Upward Motion, she had two business partners. One was a good friend, and the other was her ex-husband. The company built simulation-based assessments to help people make better hiring decisions.As Kim's marriage was unraveling, maintaining the partnership became harder and harder. She ended up selling her business to her ex-husband. The problem is that Kim didn't know anything about selling businesses. She was pretty young and didn't know about taxes or tax law. Kim was in a state of upheaval and just wanted to get out and have peace in my life. So, Kim made a deal without really understanding it. All she knew was she was getting out of the mess with a lot of money. It was still hard for Kim because she was very attached to the business.About three years later, Kim was contacted by Revenue Canada, notifying her that she hadn't paid her tax bill and owed $300,000. Kim's hastily made decision had led her to this point.Lessons learnedWhen things are very stressful, it's a good idea to slow down instead of speeding up.Don't be forced into a decision without understanding all the elements.If you don't know what's happening, slow it down, get your information, and make sure you know entirely what's happening.Don't be pressured into something that is not the right fit for you.Andrew's takeawaysIf you can sit through the pressure, you will win.Actionable adviceIf you're feeling pressured to make a decision, first ask yourself why, what's the rush, and what's the belief you have that makes you feel like there's an urgency to making this decision. Find out where the pressure is coming from and the facts around it. When does this decision need to be made? Are you prepared to make the decision?Kim's

In this episode of Cloudlandia, I accompany you on a captivating time-travel adventure to the 1930s era. We explore the nascent media landscape and how the rise of radio and television began to connect the world. We predict how elements like technology, energy, money and labor may redefine our world. We also shed light on 1950s industries like television advertising and iconic artists that profoundly shaped society. Join Dan and me for this enlightening discussion into the past, present, and what may lie ahead.   SHOW HIGHLIGHTS The podcast episode explores the evolution of media, starting from the 1930s when radio and television started to unify the world. The hosts discuss the story of Matt Upchurch, founder of Virtuoso, and how his influential magazine became a guide in the complex world of information. They also explore the potential future of global economics, focusing on elements like money, energy, labor, and technological innovation. The episode delves into how these elements could redefine our landscape, especially in the context of a potential plateau period, and how they could challenge us to find more productive uses of technology. The hosts revisit the 1950s, highlighting the significant impact of industries and events like television advertising and iconic appearances of Elvis Presley and the Beatles on the Ed Sullivan show. They discuss emerging trends in mainland experiences, drawing parallels between cash flow and sense of humor, and delve into the realm of digital publishing. The hosts examine the shifts in travel desires induced by the pandemic and the potential of community colleges in providing a pathway to future employment. The hosts plan to set up a new sound studio and propose the idea of creating a digital collection basket at the end of the podcast. They predict that the future will see a growth in high-quality mainland activities as people's standards for travel and experiences have risen after the COVID-19 pandemic. They highlight that industrial land prices in certain areas are going through the roof, pointing towards a trend of re-industrialization driven by automation and the need to bring manufacturing closer to customers. Links: WelcomeToCloudlandia.com StrategicCoach.com DeanJackson.com ListingAgentLifestyle.com TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dean Jackson Mr. Sullivan. Dan Sullivan Mr Jackson, are you having a good mainland day? Dean Jackson I am. I've been, yeah, you know, I've been having a combination of, so far today, been on the mainland and in Deanlandia and there's. That's a good combination. Now yeah, here we are in Cloudlandia. Dan Sullivan Yes, yeah, well, it's a beautiful day We've had. Actually, by my memory, we've had a fantastic summer in Toronto, July and August. It's really great. You know Well, when it rains, it usually rains at night, and so the grass is all green. I've never seen the trees so green, so it's been great. I've been reading about forest fires you know I've been reading about hurricanes, typhoons, volcanoes, not in Toronto. Dean Jackson But we're going to have a, apparently because of the ocean temperatures, we're in for a potentially turbulent hurricane season, which is just getting going here now. So everybody kind of you know straps in between now and end of October to see what happens, right Well as we've been in the news. They'll let us know what you know when they put up the big red buzzsaw making its way towards Florida to get everybody all suitably panicked. Dan Sullivan Yeah, well, it's very interesting. The 1930s are still the hottest decade since the US has had temperature readings yeah, yeah, and the big thing is that we have so much news now. Everybody's a newscaster now with their cell phone. So what's gotten exponentially greater is actually people's first reaction to the weather, you know. Dean Jackson Yeah. Dan Sullivan And climate I've never experienced. You know, I'm 79 and to this day I've never experienced climate. I've only experienced weather. That's right. Is it my feeling? You know I don't have a climate chip in my brain. You know a climate. Actually. You do know how it's the average of a year's temperature in a particular spot. Dean Jackson Yeah, what's the? Dan Sullivan climate Right, exactly, and the spot where you're sitting is different from the year than 100 yards away from where you're sitting. Dean Jackson That's interesting. Yeah, the whole. It's all different, right, everything that whole. Yeah, I look at those as one of those things. We're certainly in you know an age, like you said, with the news there that everybody you know. I mean when you look at from you know I think about the big change again when we went from you know no new. You know the local town prior kind of the voice of what's going on. Dan Sullivan So when we got to, a unified voice of. Dean Jackson You know the, when the radio and the television became the unifying, that's really what it was. It was a unifying thing for the first 30 years of it and then when the affiliate you know the network kind of thing allowed local voices to be, you know, you got the in the beginning. It was when you were born all it was the national radio and national television right. The television wasn't even a thing when you were born in 1944. Dan Sullivan In the 40s, no 40s, so when you were a young boy, you got your first face to Howdy duty. Dean Jackson I mean, that was, that was something, I guess huh. Everybody got introduced to Howdy duty. Dan Sullivan Yeah, I was, and there there was. I can figure it was like 1953, maybe 1953 that I became aware of television, because some neighbors had it and and you know, and it was the three you know ABC, cbs, nbc but then where we lived in. Ohio. Dean Jackson we got Canadian Broadcasting Corporation from there and so I was aware that there was this country across the lake, yeah, and so yeah, it's very interesting, isn't it, that then, you know, by the time we got to 1980, we ended up we had 13 channels. That was a big, that was a big jump in the next 30 years. But all of those 13 channels were both distributing the national content of ABC and BC and CBS, but they were also producing local content. And now we're at a situation where you had, you know, 13 channels with multiple, you know, regional voices, the market affiliate, affiliates, and now we're at a stage where there are, you know, five billion voices all going through the three you know that was funny because, we've come down to, the channels are the same in terms of Facebook, instagram, youtube, twitter. Mr. Beans, yeah right, well, these are part of the YouTube network there, you know, but not now the platforms are there, but everybody but there's, you know, billions of voices on those same things, and that that's where I see that this next 30 years or however long, I don't know how long it'll be because you can't imagine what you can't imagine. But you know, I don't see anything on the horizon that's going to things like. It feels like all the pieces have locked into place for a period, you know, asymptotic plateau of creativity, now that everybody of reach, everybody's got access to it. Dan Sullivan It's really fascinating, and you're absolutely right that I have never had the experience of imagining something that I couldn't imagine Exactly. Dean Jackson That's right, everybody had the first thought to imagine it. You know? Yeah, I was looking. Dan Sullivan I had an interesting project project, a sudden project, this week. Do you know Matt up church? Have you ever? Do you remember Matthew up church? Dean Jackson Matt. Dan Sullivan Matt. Matt, the founder and owner of Virtuoso, and Virtuoso is the biggest network in the world of affluent travel agents. Dean Jackson I'm a member actually. Dan Sullivan Yeah, that's good, okay, yeah, they have this very posh magazine that comes out every quarter, every month. Dean Jackson Yeah, I get it from the Sims. Dan Sullivan Yeah, yeah, and he was. Matt was in the program a couple times. He was in the 90s and then early. I think he came in right around late 90s and was in the 2000s and then I think he was there in the teams and, but in 2003, so 20 years ago right about now I was guest speaker at his annual conference at the Bellagio in Las Vegas and I think about 2000. They're about 2000 travel agents there and there's a lot of travel companies there to like hotels and resorts and cruise lines, you know, and they have sort of a rapid get to know you sort of day, you know, when you meet somebody for 10 minutes and then you meet for another 10 minutes rapid work. Yeah, so I gave a talk and I created a workbook and so it was probably about a 90 minute talk with about an hour of Q&A and then you know, then there was a half hour afterwards where people just mingled and but what I was telling them about was the, because of digitization, that so much of the standard travel agency business was going to be completely commoditized by Expedia and you know, like that type of thing. And so and I give a set of predictions and I also said that there's a bypass to all this if you master DOS the dangers, opportunities and the strengths and you just zero in very deep on your best clients and you identify, when they're traveling, what are the dangers that they experience. In other words, they could lose something, what are the opportunities that they could gain something in the strengths that they have. And as a test example, I did it on Babs and me, showing that how we like to travel and you know experiences that we really don't like having experiences that we love happening. And the strengths that we have to really enjoy and explore particular type of experiences. Okay, and I gave that to them and talked it through, but I gave as an example a hotel resort in Ravello in Italy. So the Malfi Coast, you know you get South and Naples and you get you know, and you get town and Malfi and Ravello there's like four in the island of Capri is just up here. So I'm sure really classically beautiful and luxury type of setting and it was and I'm not, I can't quite remember, but I think it was probably might have been right near the end of the 90s that we had gone there because we were going on a hiking tour with a group of people for about six days on the Amalfi coast and but before we went for about three days and stayed at the resort in Ravello which is called the Pozzo Saso and it's a beautiful. It sits way up high, it's a couple hundred feet off the water there. You know that part of the Mediterranean I don't think that's exactly called the Mediterranean there, but it's part of the Mediterranean and you can see down the coastline easily 50 miles and our staff had told the staff of the resort that it was my birthday. So the second day was my birthday and from morning till night everybody in the hotel said happy birthday, mr Sulton, happy birthday. Dean Jackson You know. Dan Sullivan And then they there were nonstop treats throughout the day breakfast dinner there were treats and they communicated the conference, the Bellagio Conference. Virtuoso, I communicated. That's how I like that type of treatment. Dean Jackson I like. I like that. Dan Sullivan I like that when my treatment is like every day's my birthday and so, anyway, a really neat little reward for my talk was that then, after I got talking, there were a lot of people came up, shook my hand and everything. And this little man came up and he had almost tears in his eyes and he says Mr Sulton, I'm the general manager of the Pozzo Saso. And I don't I can't, I can't express to you what you've done for my trip to Las Vegas. He says everything I could have possibly hoped for here. You know, because there's competitors, the whole room is filled with competitors. They're gonna spend their money on something you know, and so anyway, it was really funny, and that's it. I didn't remember this, really, for I never used that particular approach again. And so we got a call that they're at their same meeting this year and they have 5,000, they have 5,000 now because Virtuo so has really grown and they asked if I could do an update on what I had predicted. And I went through it and I said well, everything you know, I mean, once you grasp the technology. If you're just giving a standard service, technology is going to commoditize you. you know there's I mean that's not such a great prediction backwards. Dean Jackson That's funny you know you're on the right path. Dan Sullivan You can't digitize that experience that you have, and so they asked me if I had any further thoughts of what the next 20 years would look like, and I'm right on the spot, I said well, the world's gonna change. Everything that you've been experiencing for the last 20 years is gonna change much more drastically than it changed over the last 20 years, and the reason is I call it the force. I just nicknamed this. Dean Jackson The force slowdowns Okay and I said this was the force slowdowns. This feels like breaking news right here. Dan Sullivan Well, this is like Cloudlandia. I mean this. I had to give you that background, just to accept it as a Cloudlandia idea. You know, I mean, there's tough standards. There's tough standards to even be able to listen in on Cloudlandia, let alone speak on Cloudlandia. And I said the first thing is the cost of money is gonna go up and we call it in most places. We call that inflation. So right around the world there's just massive inflation, except for those places that have already been so undermined by inflation that they're now in deflation. And there's one big place where that's happening right now, and then the deflation is where you. Deflation is where the value of everything starts going down significantly. It's not just the cost of things. Inflation is really a function that things that you really want are gonna cost you more. And so for about 20 years we said that around 1%, 2%. You know it was the lowest inflation period since probably the last 20 years have been up until COVID was the lowest inflation. So the cost of money and that means borrowing money is gonna cost you a lot. And you know, here in Canada it's around 7%, you know, 7% to get bank loans, and the US is more or less the same. Second thing is the cost of energy is going way up in most of the world. Okay, and I'm gonna make a proviso where I say in most of the world, it's going to. So, just prior to COVID, the cost of transportation, the overall cost of transportation to get anything in the world, anywhere else in the world, was 1% of final product. So you know you get something from 10,000 miles away. The transportation cost of that was 1% of the final cost and I would say well, first of all, there's places where it's gone 100%. Russia is being one of the places Russia shipping anything in the world. It costs them 100% and the reason is they can't get insurance for any freighter. You know freighter that goes into a Russian port Automatically. None of the big global insurance companies will insure it. You just can't get insurance, and that's not just Russian boats, that's anybody's boat If you go into Russian territory and they don't have that many ports. They've got about four points. I mean they're 11 time zones wide and they've got about four meaningful ports. And two of them are right in the war zone. Sevastopol and Odessa are two big ports and so you can't even get. Nobody will take their boats into that area, so they're in, you know. I mean, the cost of transportation is really high when you can't transport. Dean Jackson Right, exactly, you can't get there from here, right yeah? Dan Sullivan And then the third is the cost of energy, because one, the war is a particular situation, but the cost of energy has gone way, way up. We had really cheap energy over the last 20 years, so now it's gonna go up and this isn't a momentary thing, this is going to be, you know. And then the fourth one is the cost of labor. Especially skilled labor, is gonna go way up, and skilled labor covers a lot of things, but it's basically that there would be competition to hire you if you were working someplace. There would be competition from the outside that you would offer somebody more to move from where they are, and anyone who's got skills that would do that. And if you're so 18-year-old in Toronto today, if they take a 10-week industry sponsored training course, they'll get a certification at the end of 10 weeks and a year later they're making $60,000. Within three or four years they're making $100,000, and they'll never make less. And there will be constant bidding because we've gone basically in North America, a lot of parts of the world. We've gone probably 20, 30 years without any real emphasis on skilled labor, skilled labor, Skilled main land labor. Dean Jackson you mean yeah, or everybody's going into the skilled club land labor. Dan Sullivan Yeah, and a lot of them. Dean Jackson There's so much of it and that's being replaced by AI now, yeah, exactly, you're not gonna have a, you're not going to have an AI sneaking your toilet. Dan Sullivan No, there won't be AI, plumbers, ai, carpenters, ai all the skill trades that's every kind of factory work requires skill training. Dean Jackson So anyway, those are the four slowdowns. Dan Sullivan So those are the four slowdowns and the biggest thing is going to slow down as technological experimentation, innovation, that's going to change really fast and you could see at the end of starting in, probably beginning of 22 last year, there was more firings in the high tech industry than probably in any other industry, and the reason for that was they were hiring people for projects they were going to do 10 years from now and they don't have the cap. The money is too expensive to be paying for things that aren't going to get a payback in 10 years or so. So what I'm saying is and you brought this up, it got me thinking the last podcast we had you brought up that we may now be in sort of a plateau period, like you described the 50s to the 80s. Dean Jackson And. Dan Sullivan I think we're right now we're going back into a plateau period. Dean Jackson Where there's a lot of development. Dan Sullivan There's a lot of development and a lot of more productive uses of what we already have. Dean Jackson Yes, and that's what I think it is now. It's going to be the application through those pipes, just like the iPhone in 2007,. That laid the groundwork for the app culture that brought us Uber and Instagram and Facebook and YouTube all the big things that we use on that vehicle of the phone. And now it's really. This is what I'm fascinated by is who were the big winners and how was the big adaptation to the tool set that was available in 1950. If you think about that, as by 1950, we had television, radio, we had the plane travel, electricity, automobiles, all of those big things that were highlighted in the big change from 1900 to 1950. Were the big winners and continue to be the big winners of that period Of an. Is it adapt, being adaptive on that? Because it wasn't a big period of invention, it was a capitalization of. You look at the packaged goods, the consumer goods really boomed in the 50s and 60s through television advertising. You look at Procter Gamble and big packaged goods companies that knew if we just package up a product, put it in front of the audience. We know everybody. We know 50 million, 53 million people or 60 million people were watching. I love Lucy in the fifth. Those reach audiences. I think Gunsmoke was like a high watermark of the large audience. Then it started going down from there. I saw a chart where that was the peak 61 million I think was the largest television audience in 1960, something whatever Gunsmoke was at its peak. Dan Sullivan Then there were single events like Elvis Presley, the Beatles being on the Ed Sullivan show. You had single events. There were things like that as a series. I bet your numbers are dead on. Dean Jackson While the number one shows on television what did grow during that period. Dan Sullivan I love that period. Dean Jackson That's why I'm asking you and my observation. Dan Sullivan First of all, if you were in putting in superhighways, that was a really big deal. The Turnpike, the cross-country interstate highway system, had just crossed Ohio, probably around 1956 or 57, on its way to the west coast. The other states were building but they weren't connected. They weren't connected yet. Dean Jackson The. Dan Sullivan Ohio Turnpike was just a continuation of the New Jersey and Pennsylvania Turnpikes. These were toll roads. That was it. The other thing was an enormous movement of industry out of the big cities, the big northern cities. I grew up in northern Ohio. Ohio was the most powerful industrial state in the United States, starting probably in the 1880s. 1890s it was just a powerhouse. Pittsburgh was famous for steel, but Ohio City's young down to Cleveland. Cleveland had as much steel as Pittsburgh did, but it was spread out over three countries. It was all geared to Detroit. All of a sudden the automobile industry really consolidated down to just the three companies. Dean Jackson That was just Ford and Chrysler that created the suburbs that created the suburbs. Dan Sullivan The other thing was retail changed because every time you put one of these interstate highways in, you bypass small towns. So small town retail started to die in the 50s because shopping centers and shopping malls may be between two small towns or three small towns but everybody went shopping in their small town, except for daily convenience. But they would go to the shopping mall. The shopping mall went through the industry the other thing that's a whole industry but it was air conditioning. Air conditioning allowed people to move industry and commerce and everything to the south. You wouldn't want to be in Orlando in the 1950s. You weren't too warm to do productive work. Dean Jackson Right, I'm recognizing now the pattern of so. We went from the general store to the main street in small towns, to strip plazas in the 50s, to shopping malls in the 70s, 80s, 90s to Amazon. Now. Amazon is basically or online, where we get everything, every physical good that you could imagine. Online is really the thing. But that's an interesting evolution. Right From main street to when we had automobiles and went suburban, it was the strip mall and then where you could drive your car up into the parking lot and go to the plaza where there was all of the collection anchored around a grocery store, perhaps in a dry cleaner, and putting everything in one place and then that led to the franchise, as a great thing, because the homogen that you created a homogenous vibe in the country by unifying everybody around the television. Everybody was seeing what leave it to be and that whole, all of those shows. Dan Sullivan And the other thing is that the cars became more comfortable because people could go on long trips now, so I remember when you got air conditioning in the cars and so the other thing about it was the recorded music industry went through the roof in the 50s, 60s, you got 45s, came in 33 and a third came in and 45 came in and the late 40s and 40s. Dean Jackson And so the recorded part of what drove the recorded music industry was that they had a discovery device of the radio that you could play music over the radio and that would draw and they would be on bandstand and be on the Ed Sullivan show and be on the thing. So everybody would gain an awareness and, you know, you could create that sensation which drove people to the local record store to buy the records. And that's where that really took off. You know, now we're in a situation where the you know it's certainly, I think, more of a meritocracy now in a way that anybody, it certainly. You look at Peter Diamandis's six D's were certainly up into the democratizing phase of that. Anybody could. I mean you and I could make a hit song if we wanted to and put it out, and we've got as much. Dan Sullivan I think we could have a hit song made. Dean Jackson Yes we don't want to apply it ourselves. Our leadership and finance. Dan Sullivan I think it would upset our daily lifestyle if we were yeah, we can who, not how. Dean Jackson We can who, not how. Dan Sullivan Yeah, it's long right but I had a really great example of that on Friday morning so I had a podcast to Belfast, ireland, great guy, and he's got a coaching program called, which is simple, scaling you know how, helping entrepreneurs to scale their businesses and it was great he went. We went twice the a lot of time because neither of us had a hard stop and but you know he's got a hundred thousand that download the world he's in a hundred countries, you know wow and you, and you and. But you and I have looked at this, you know, from a cost standpoint. I mean, once you bought your computer and you've got an internet line, the rest of it's pretty. I mean there isn't a lot of cost to this. But here we guy, he's got a hundred country worldwide radio station, then he's got a audience of a hundred thousand. You know yeah, and and that my past. And I mean, if you compare that back to what that would have taken, well, let's go 25 years ago. I mean, yeah, achieve that 25 years ago. Dean Jackson It would have cost you so much more, you know when you look at her Carlson, that's a good example right now. Yeah, what's happening? Dan Sullivan I mean it's taking him about two or two or three months to sort of get used to it. And now his show is more powerful than when he was on Fox, because he got three million. Dean Jackson Three million to 13 million average viewer. Dan Sullivan Yeah yeah, and that's. He's done that in three months. You know, yeah, I mean yeah, but now you know the thing is you and I could do exactly like. Dean Jackson This is where the thing is. The difference is the is reach. You know it's not the capability I mean, it's certainly you and I and anybody listening right now has the capability to create a vehicle, to create the podcast, to create a show, to create let's just call it content, to create content that you know could have that kind of impact, but it's just breaches the ultimate scale of this, you know, and it's not, yeah, but that requires the interesting thing is, the more reach that you have, the more you acquire new capability to go along with it, you know and the more your vision gets bigger as your reach gets bigger. Dan Sullivan It was like we have the same landlord are building in Toronto. We don't own the building because they don't sell their buildings and it's a perfect building for us, but yeah, labor Day. So we're a month. Within a month, we will have been there 32 years in that building yeah, you're the you're the only tenant from about the middle of 2020 to the middle of 2022. We were the only yeah, and the check for them was there every month, anything like that. But about 15 years in we haven't. I haven't talked to the landlord. Probably since 2000 I've talked to both of them socially. I've met them, you know, in social events, but I haven't talked to anyone, let's say around 2011. So last or 2001 I've probably talked to them in year 10 of our stay in their building and I was unusually from his perspective, I was unusually funding that day and he says I don't remember, I don't remember, I don't remember you being that funny when you moved in and I said I find my sense of humor is strictly a function of cash flow, right? yes, there's a correlation there or the bigger the cash flow, the bigger the cash flow, that bigger my sense of humor. Yeah so, so anyway, but it's very really interesting how I you know this is and he really we've had and the reason he did it is because of the book, the ten times since he's here at them, two times okay, and first of all, the way I did the book, you know, with Ben Hardy, that probably was not possible 20 years ago, 30 years ago right the way. I did the book. Yeah, because half the most profitable part of the book is not the book itself, it's actually the audible version of the book. I mean once you made your first audible recording. From the standpoint of the publisher, there's not really any cost, is there? You know right, that's exactly right and yet it works out one to one for every, you know, paper book that sold. There's another sale that's a virtual. It's either Kindle, you know, it's either ebook or it's yeah, it's audible, and so that wasn't possible 20, 30 years ago. So I think, we're pointing out a direction here is that I think there's gonna be two extraordinarily valuable world. I think high-quality mainland activities are getting going, grow and grow and do you? Mean by that, hi what? When you well, I think people had two years basically not going anywhere during COVID yeah and I think there are standards of good what they want to do. If they go so much, somewhere has gone up, I'm going to take the effort to travel. I mean we never gave any thought to travel before COVID. I mean you were all around the world. You were in Australia. Dean Jackson Every year, all the time. Dan Sullivan Yeah, yeah, and you were in Toronto. You were in other places in the United States and I think that it has to be something new, better and different for you to really get on a plane and travel somewhere. And it's the same with me and I've gotten about five. Speech. Offers big audiences 500 to 2,000. And I say I'll do it by Zoom, but I won't travel, I won't travel. And they said but the price they're offering this year for speeches is way above what it was three years ago. And I said it's not the money, it's the time, it's the time to bother. Dean Jackson I said that's not the money Right exactly. Dan Sullivan Yeah. Dean Jackson Yeah, that's what I'm talking about. Dan Sullivan I mean in your experience, in my experience. I think you can see a trend here. I am too. Dean Jackson Yeah, exactly, I'll tell you what would be a new and unique and delightful experience is my ears perked up to FreeZone in Toronto in April of next year, that might be enough to tell you I'm very excited to get me on a plane, very excited about that actually. But, D, you know, well, that's good, that's good. Yeah, well, I'm going to go back to my team. Dan Sullivan I said I just got word from Dean that he's really interested and we said, well, it's a lot of work. But you said we just have to have an offer for Dean that's compelling enough that he'll come to Toronto, did you see? That's it. I mean it might be a one person FreeZone, but it's worth it. Dean Jackson The table 10. We need anything. That's what I really miss the most the many of it. Dan Sullivan Yeah, well, the table's still there, but it's not 10. Dean Jackson Hey, did anybody take? Dan Sullivan over Jacques. Dean Jackson No, it's something else. Dan Sullivan now it's not a restaurant anymore. Oh, that's a shame. Dean Jackson Well, when you were saying thinking about the high quality mainland experiences that I'm noticing here. So there seems to be a trend. Now that's happening is gathering spots in a way. Now there's almost like modern day food court type of things, where we're getting a new place. Two of them in Winterhaven that are sort of outdoor common area with venue for live music and tables and picnic tables and that's stuff where you can kind of gather with a bunch of people but five or six restaurant concept, almost like food trucks or whatever, but in places where you can go and have five or six different food restaurant choices other than each of them opening up an individual restaurant they're sharing a common experience and architecturally they're really. They're reclaiming old warehouse space and things that are. They're making them really architecturally interesting and integrating outdoor space to make them really like you want to be there. Dan Sullivan Interesting, I was thinking about that this morning because on Richmond Street West. So if you remember your map, portland, where Portland Street is in North South Street and then you have Portland and a lot of restaurants. So it's just, it's north of Adelaide Street and then you have Richmond, but what's really interesting, there's a whole factory, old factory that was taken over and it was gutted, and it's a food center, just like you say, with lots of but the anchor restaurant in there is Susar Lee, so you can say that, yeah, I was going to say I just read about Susar Lee, yeah. And so the rent he was paying rent on just on King Street. So he's jumped out. His lease came up and he jumped and they offered him to become the anchor rest. So he'll have his whole restaurant in there, but instead of it being out on the outside, it's the rest of the food court with smaller restaurants and there's seating areas out in the center, but he's got his own seating area, like it's like a patio, but it's so. We were thinking about going there this week because it just opened in July and we wouldn't have gone there for the sake of the food court, but we would go there because that's where Susar is. Dean Jackson That's really interesting, because I just like. Dan Sullivan I mean, it's totally what you're talking about. Dean Jackson And it's just so funny that you mentioned that specific place, because I was just on Toronto Life this morning looking at that, because I often go there just to see keep up with what's going on, and I saw this about about Susar Lee's new place. So yeah, that is funny, but so that is kind of like now bringing it's almost like bringing back to the mainland being the, because that's a mainland experience. Dan Sullivan Yeah. Dean Jackson Digitize that yeah. Dan Sullivan And I mean there's just an enormous condo building going on in that area, so the residential population is always going up in that area. As a matter of fact, suit Sasha Kersmerk. Sasha, I think you know Sasha, he might. Sasha is almost 20 years in coach. He's the number one site surveying company in Toronto. Okay, so nothing. No project starts until the site survey is approved. Dean Jackson Right. Dan Sullivan By city officials and he's got roughly 80% of all the site survey projects in the city right now. I mean he's just the dominant and he said that basically from the plan for Toronto is from the lake going north. If you have Jarvis on the east and you have Bathurst on the west, okay, so you can think of all the streets in there that would go there, from there to basically four street, davenport, you know Yorkville. Dean Jackson Okay, yeah. Dan Sullivan It'll look like a mini manhattan island in 30, 40 years. Dean Jackson Yeah, wow, that's very interesting. It'll be all high rise and there's still high rise, yeah, and that's kind of the thing is being able to see that if you just look with your 2040 goggles on to see where that's heading, yeah, it's probably 2050, 2060,. You know and everything like that. Dan Sullivan But the other thing is Toronto is becoming very quickly a major industrial city between here and so here on Lake Huron it's all the way to the bridge across to the United States at Buffalo or at you know, the bridge in St. Dean Jackson Catherine's that goes across, and then in Western Ontario, the. Dan Sullivan Windsor-Chatham area to go across the Ambassador Bridge in Detroit and half the Canadian GDP. Gdp you know, money in, money off goes across those two bridges every year yeah. And the Canadian economy and he said the price of industrial land from here to Niagara Falls is just going through the roof. And he said things that were plotted out as residential areas. You know, single family residential areas they're getting outpriced in the market now by the industrial competitors. And it makes sense too if the Canadian dollar remains always weaker against the American dollar. It's, you know, it's $30, $34 today, you know. So there's always this big differential between the, because US is much more powerful economy you know it's got nine times the population. You know it's got nine times. It's got probably 10 times the consumption dollars that are available in all areas of business. So so you know you'll have an American factory and they say we're going to put a factory near Toronto on the Canadian side, and we're going to manufacture everything, paying Canadian prices for the manufacturing, selling it into the United States, bringing it back from the United States. Dean Jackson Wait a minute. That's your playbook. That's not any of your playbook. Dan Sullivan Oh, Mr Sullivan, this is Revenue Canada. We want to have a chat with you. Dean Jackson Yeah, exactly that's funny I was listening to. Dan Sullivan I was listening to Cloudlandia. Dean Jackson Oh man, that's funny. Dan Sullivan I get more tricks from Cloudlandia than anything else. I listen and watch. Dean Jackson I wonder you know if it's so, I think now a lot of this industrialization or re-industrialization, is it, do you think, driven by automation, like robotics and you know, automating manufacturing processes, that or what is it, do you think Well? Dan Sullivan I would say half of it is we can't trust China for anything in the future and everything that's being manufactured in China. We've got to bring it back. And since we're moving it out of China, we can get the same kind of deals in Mexico or even in the middle of the United States, and it will be 21st century industry, industry, and it'll be 21st century. The US has the greatest skilled population in the world. A lot of people don't think that's true, but hands down, at all levels of the economy, united States has more educated, skilled work per capita than any other country in the world. So the US there's factories in the US that can produce that the same, and it's skilled labor plus automation. So automation is definitely, I would say it's 20% of it. But also making your staff really close to your customers has enormous savings. Dean Jackson Yeah, yeah, it's fascinating times, Dan. I mean, if you're thinking, I have really been thinking about if we are at a plateau. Dan Sullivan Well, I think the I mean if it costs more for money, if it costs more for transportation, it costs more for energy and it costs more for labor, things are going to slow down. Yeah, and you know just that welding example I gave you of the 18 year old who can be making. I mean, somebody goes to you know university for four and learns a lot of theory and you know, is maybe 50 or $60,000 in debt at the end of four years. The person at 18 who became a welder is already buying their first house. You know they're. You know Exactly. Dean Jackson Like think about how, when you take the, you know, when you take the net difference between them investing four years with no income and going into debt to get a degree that gets them an entry level job when they get out with that degree. And so you know that's not compared to coming into a training program and making $60,000 and at the end of the four years making $100,000 and not having any debt. You're so much further ahead on that foundation. Dan Sullivan Yeah, yeah, I think there's going to be an explosive growth of community colleges that are integrated with the local business, you know, the basic industrial population and everything else. I checked the numbers about two years, the number of community colleges in the US and these would be made. These would be mainly two year, two year community colleges, yeah, and there was just under just under a thousand and two things I think are going to happen. That number will probably jump to 2000 over the next 25 years. But even the thousand that exists will double their size. They'll double their enrollment. Yeah, that's interesting, and I wonder, though, if they're you know, because they're doing like yeah, I mean you have like George Brown and in Toronto, and you have there's about, there's probably about four community colleges. That would what do you call a community college in the United States? There are before them in the Toronto area and they're at maximum. You know, they're at maximum enrollment. As a matter of fact, they have waiting lists now to get in. Yeah, and that's all skilled. You know it's all skilled trades. Dean Jackson Yeah. Dan Sullivan You come out being able to you graduate on a Friday and you go to work on Monday. Dean Jackson Yeah. Dan Sullivan The employers come to the colleges and they interview all work interviews are in your while you're at college. You're getting interviewed and some of you you're actually working at the place while you're in college. And you know, and yeah so I think that whole notion. Dean Jackson It doesn't matter how much you're working at the college. Dan Sullivan It doesn't matter how much you spend on college, you'll get paid, you know you'll get paid in the future, you know you'll get paid off easily in the future. I think that ended no 809 actually with the downturn there and I think that that was a huge interruption in the connection between higher education and future employment and I think that COVID put the nail in the coffin to that proposition. Dean Jackson Yeah, Well, yeah, I remember hearing Sheridan College, I guess is the one is yeah, share, yeah, and I remember they were. That was like the Sheridan animators were really in demand, that there was one of the places where you know Disney and others were Pixar were hiring. You know all the newly minted, you know digital animators that were coming out of that yeah. So I think that Ryerson has been another one of those. Dan Sullivan Yeah, there's a new Sound Studio, mostly post production. One of them is just building new studios in our building, but therefore they're not. They're not for live. You know, live production, their post production. So they have editing studios, but right behind us. So Fraser is the front street for us, but behind us is one called Pardee, which is basically a parking lot, and way at the end they have a live production studio, while ours will start being built in September and we'll have it in about six months, based on all the great input by your guy there in Orlando. Dean Jackson You know, we've designed it. Dan Sullivan We can handle six different people at the same time, six different studios being used at the same time Great production. But next, you know, next March, next April. Yeah, you know, I'm gonna live a long time. What's six months? You know. Dean Jackson Right, exactly, yeah, yeah. Dan Sullivan Anyway, but I went over and we did our recording of the quarterly book because you need real top-notch studio for a court to go audible and it was really great, but the guy who was handling us was a graduate from Sheridan College. Dean Jackson Yeah, I'm excited, I'm really. This is my thought, for I'm gonna do some thinking about, you know, establishing this thought. If we are in a plateau period. If we are in a slowdown, but in a plateau period of what is gonna be the you know what's shaping up here to do that same thing. I love looking at things like this. We're just gonna put it together Macro level, like that. Dan Sullivan Yeah, I'm gonna do a little thinking to a four slowdowns. You know, money, energy, transportation, labor, and I'm just going to have our clients go through it and say, if this is the obstacle, then what's the transformation? You? Know, and so, and how do you take advantage of the four slowdowns? Dean Jackson I think it's a neat idea I do too, Absolutely. I can't wait. I love it. Dan Sullivan Well, what a great way to spend the late morning on Sunday. I can't think of any better way. Dean Jackson It's like the perfect and there's no collection basket. Dan Sullivan There's no collection basket, no collection basket. Dean Jackson Maybe we should set some in, though without. Oh, there we go. Dan Sullivan Yeah, Anyway, we could have. We could have a digital collection basket at the end. Dean Jackson There we go. Yeah, exactly that's so funny. Dan Sullivan If this was useful, just you know, put your card up there next to the scanner and yeah, that's so good, I love it, no need to make change and no exactly, I'm good so funny, alrighty. I'm good for next Sunday I'll be back here. Dean Jackson Me too, I wouldn't miss it. Okay, okay, thanks, dan. Talk to you soon, bye, bye.

Recorded at Accent on Toronto, Michael McCreary challenges Canada Revenue scammers on knowing their audience. And from the Icebreakers Comedy Festival in 2020, Martha Chaves goes deep into the trials and tribulations that take place in the mind of a germaphobe.

The Liberal election interference scandal continues to unfold with a particularly damning set of receipts in Trudeau's home riding. Special guest Dustin Newman joins us this week. Multiple bad people use loopholes to get away with bad behavior. Good people are considering not declaring side hustle income to Revenue Canada. Former journalist Rachel Gilmore's tepid career goes out with a fizzle. Follow Shaun and I on Twitter!@222Minutes@SNewmanPodcastVance Crowe is offering a special discount on Legacy Interviews for 2sDay Mashup listeners for 5 people. For more information, go to legacyinterviews.com/Tuesday, email him at vance@legacyinterviews.com, or reach out to either of us.Kitcoty is fundraising for its new Multiplex. Go to https://klunkerdunker.com/ to buy tickets for a fun event where you pick when a truck will fall through the slough its parked on. If they hit $5000, Shaun and I are also going in the water!

My bad, awful week. Why? because I'm writing a cheque to Revenue Canada knowing full well that a good chunk of it will be wasted. See omnystudio.com/listener for privacy information.

Guest: Blair Mantin, Sands & Associates President and Licensed Insolvency Trustee

Feminist Question Time with speakers from UK, Canada, Bangladesh, Brazil Women's Declaration International (WDI) Feminist Question Time is our weekly online webinars. It is attended by a global feminist and activist audience of between 200-300. The main focus is how gender ideology is harming the rights of women and girls. You can see recordings of previous panels on our YouTube Channel. WDI is the leading  global organisation defending women's sex-based rights against the threats posed by gender identity ideology. There is more information on the website womensdeclaration.com where you will find our Declaration on Women's Sex-based rights, which has been signed by more 30,000 people from 157 countries and is supported by 418 organisations. This week's speakers: Sue England - UK - Why have legal cases become so important in the fight? What went wrong with democracy? - Court cases/tribunales in the UK as part of the movement, the Dentons document, the undemocratic strategy of the trans lobby and how to fight it. how to fight in employment tribunals, employment, labor, union issues in the UK using one's legal system to fight for women's sex-based rights Maria Jannat - Bangladesh - Disaster affected poor women - How the women affected by the disaster in the village live a miserable life. Bio: Maria Jannat (Mousumi), Programme Excutive, Garib Unnayan Sangstha (GUS), Email: ripongus38@gmail.com, Website: www.gus.org.bd, Facebook Id: Garib Unnayan Sangstha. Nina From Canada Eh - Canada - I do not want to say the word hope, eh. - that the oppression that caused rights to be protected for women, visibility minorities, disabled persons and indigenous - the Employment Equity Groups, along with Gay and Lesbian Court won rights to Military Service, Marriage Equality, Housing, Education/Workplace protections - which were needed as a result of heterosexual male oppression on the meanings of those words, which trans are removing the meanings of under a self id guise - that co-opts those oppressions, not for a hand up to equality rights, but for a leg over. That following the Harper Government removal of equality from women and defunding women's non-profits across canada, that Vancouver City defunded vancouver rape relief, and then required all women's nonprofits to include men. At the Vancouver Women's health Collective, I learned in 2022 that 50 years of work was shredded. And I have advised the City of Vancouver and the Province of British Columbia that they will have to arrest me for disagreeing with men. And as I am a former federal government employee, I explained from my former workplace position responsibility; across police forms, and across government delivery of programs, the degree of harm trans is to women's rights and to gay and lesbian rights. That at RCMP, I was the forms designer who updated the Attending a Domestic and worksafe BC claim forms for victims of violence and victims of sexual violence. I am currently awaiting a supreme court of canada file number as a claimant, and depending on what I say to elaborate, I will have a supreme court file number and a lawyer assigned to me as a defendant, owing to The Harper Government's additional law silencing the civil service above the government security act. Bio: Nina has had a decade long Federal Human Rights Commission Complaint which was re-heard at the Federal Court of Canada in March 2021 .Her government career began in 1998, across seven federal government departments: Revenue Canada, Royal Canadian Mounted Police, Indian and Northern Affairs, Industry Canada, Immigration and Refugee Board, Industry Canada, Service Canada and Transport Canada, as a result of that last department,. Nina is current awaiting a file number for the Supreme Court of Canada. Andreia Nobre - Brazil - Motherhood in a patriarchal system - I am going to talk about my books on motherhood, radical feminism, the main issues mothers face in patriarchy and how gender ideology harms mothers rights

William Pickton became a person of interest to the police in early 2001 when a task force began collecting the DNA of women missing from the downtown eastside of Vancouver. Pickton was convicted of killing:m the following Women Marnie Frey — Last seen: Aug. 30, 1997 Her jawbone found outside the slaughterhouse. Georgina Faith Papin — Last seen: March 1, 1999 Hand bones buried near the piggery under a platform in the slaughterhouse. Brenda Ann Wolfe — Last seen: March 5, 1999 Her jawbone in a debris pile in the former piggery. DNA on a leather jacket in Pickton's bedroom closet. DNA on keys found near handcuffs and legcuffs (one of them bearing Pickton's DNA) in the loft of the workshop. Andrea Joesbury — Last seen: June 5, 2001 Head, hands and feet in a bucket in workshop freezer No. 2. DNA on an earring and ring in the slaughterhouse.- DNA on a black nylon jacket and black leather boots in Pickton's bedroom. DNA on the bathroom wall and on a pillowcase in Pickton's laundry room. Sereena Abotsway — Last seen: July 18, 2001 Head, hands and feet in a bucket in workshop freezer No. 2. DNA also inside the bucket with Joesbury's remains. Her blood on a Solomon ski bag, containing two syringes also bearing her DNA, in Pickton's office. An inhaler prescribed to Abotsway inside the ski bag, and four other inhalers in the garbage outside Pickton's trailer along with some Revenue Canada documents in her name. Mona Wilson — Last seen: Dec. 1, 2001 Head, hands and feet in a bucket in the piggery. DNA belonging to her and Pickton on a dildo attached to a .22-calibre revolver in his laundry room. Large blood stains on a foam mattress, bed platform and walls in a motorhome on the farm.

Do you have the wrong kind of debt? The kind that is not tax-deductible? Most of us do. The wealthy have debt too. The difference is they routinely turn their loans into “good debt” by making the interest tax deductible with the help of expensive accountants and lawyers. So while the wealthy are transforming their house mortgage loans into free tax refunds, the rest of us are paying off huge amounts of mortgage interest with after-tax income. Until now. The Smith Manoeuvre has introduced a new, simple, and powerful method that extends those tax-saving benefits to the rest of Canadians. It is now easy for you and your Smith Manoeuvre Certified Professional to start turning your bad debt into good debt, right away. Are you investing enough, soon enough? Most Canadians aren't. After ever-rising taxes and the cost of making ends meet, most of us don't have the resources to put away 10% of our income or max out our RRSPs or TFSAs every year. The benefits of compound interest, which are essential to our long-term financial well-being, remain elusive. But there is a way to change that. It's done by transforming mortgage interest into tax refunds. Next to winning the lottery, nothing improves your cash flow more efficiently than the act of reducing your income tax – and doing it by making your mortgage tax-deductible. The Smith Manoeuvre is a remarkably efficient way for you and your family to raise large amounts of new money, through free tax refunds, so that you can start building a larger nest egg, sooner.  You may or may not have a monthly savings program already (congratulations if you do!) but how would you like to have an additional $750 per month to invest for your future?  Maybe $1,000 per month?  More? Is your mortgage killing you softly? A $500,000 mortgage at 4.0% over 25 years will set you back about $289,000 in interest costs. So that $500,000 will end up costing you over $789,000.  And that's after-tax income, which means you'll have to earn about $1,127,000 to pay off your home if you're at the 30% tax bracket. No wonder it's difficult to save for the future. But if you make it tax-deductible using The Smith Manoeuvre, you will recover a good chunk of that interest in the form of yearly tax refunds. Use the tax department's money to pay down your expensive, non-deductible mortgage faster, and you'll see it melt away many years sooner than you imagined possible. It stands to reason: if you are going to have mortgage debt, why not make it tax-deductible? The Smith Manoeuvre shows you how. In a nutshell.The Smith Manoeuvre employs refined and proven debt conversion techniques to transform mortgage interest into tax deductions. The method has a remarkable snowball effect that generates large and growing annual tax refunds, enables the homeowner to knock years off the life of a non-deductible mortgage and build an impressive financial portfolio at the same time. It is the most efficient way for families to raise the resources they need to secure both their house and income in retirement. The Smith Manoeuvre uses the legal tools of the CRA and Canadian Financial institutions. It has been reviewed by Revenue Canada staff, and endorsed by respected financial experts and economists, investment planners, and lenders.   Schedule a chat with your Smith Manoeuvre Certified Professional today or visit www.smithman.net to learn more about how you can improve your family's financial future.

In the Midst of the Lampstands Revelation 1:9-20 by William Klock We've all heard that old statement, “Consider the source,” haven't we?  When I was a kid, someone would insult me and I'd get upset and say something about to my mom and she'd say, “Consider the source.”  In other words, “Why would you take what someone like that says seriously?”  If someone you know to be an inveterate liar tells you something, you probably won't believe it.  For a number of years someone was sending me thick envelopes stuffed with poorly made, oddly shaped photocopies of newspaper clippings and weird, barely coherent explanatory letters claiming to be from a prophet.  The person who sent them was obviously a lunatic, it showed, and they went straight into the trash.  But other things we take seriously.  A letter from Revenue Canada?  The stationery itself demands we take it seriously.  An order from the Provincial Health Officer?  Bonnie Henry may be fairly unassuming, but we know that behind those orders stands the authority of the Province of British Columbia.  Or maybe you're experience something difficult.  Someone you love has just died.  Or you're going through a crisis of faith.  Someone comes alongside you, someone sends you an email or a letter, someone calls you.  And that person offers encouragement—maybe some advice.  And we all know that it means a lot more coming from someone who has walked the same road or from someone whose great faith we respect.  When a mature Christian offers a bit of spiritual advice or, maybe even a rebuke, it carries a great deal more weight than similar words coming from a brother or a sister who is worldly or immature. As I said last week, Revelation is a letter and Chapter 1 is the introduction.  We'll be looking at verses 9-20 this morning.  John is the author of the letter, the one who penned the words, and sent it off with a courier to be read in the churches, but as we saw last week, this is Jesus' revelation.  God has given it to him and he has given it to John.  Jesus is the one who speaks with authority in this book—he's the source, he's the authority behind it—and here John gives us a glimpse at who it was who spoke to him.  Here John shows us just who this Jesus is and the picture he paints with his words tells these churches—and us—that we'd better pay attention and take this seriously. So, verses 9-11: I, John, your brother and partner in the tribulation and the kingdom and the patient endurance that are in Jesus, was on the island called Patmos on account of the word of God and the testimony of Jesus.  I was in the Spirit on the Lord's day, and I heard behind me a loud voice like a trumpet saying, “Write what you see in a book and send it to the seven churches, to Ephesus and to Smyrna and to Pergamum and to Thyatira and to Sardis and to Philadelphia and to Laodicea.”   John, first, tells them his own situation.  He is their brother and their partner—he is their sharer—in three things: in tribulation, in the kingdom, and in patient endurance.  He, himself, is living in exile on the island of Patmos, a little island about fifty kilometres off the coast of what's now Turkey.  It had a military garrison there, but we don't know if John was literally in prison or if he'd just been forced into exile.  He had an apostolic role when it came to these churches and, presumably, someone hoped that by removing their leader, this movement of Jesus-followers would flounder, maybe even die off.  We don't know who exiled him, whether it was local or Roman authorities, but what's important is that John says he's there “on account of the word of God and the testimony of Jesus.”  Notice that he doesn't say he's there because of his own testimony, because of his own preaching, because of his own witness to Jesus.  No, he says that he's there because God has spoken and because Jesus has given testimony.  Jesus, by his death, resurrection, and ascension has borne testimony against the gods and kings of this age, and they have lashed out in retaliation against his apostle.  And not just against John.  They have lashed out at the Church. Brothers and Sisters, there are three things that are a certainty for the believer.  The first is tribulation.  There is no escape.  Jesus warned his disciples in John 15:20, “A servant is not greater than his master.  If they persecuted me, they will also persecute you.”  First the Jews, then the Romans went after the fledgling Church.  Those early believers suffered great tribulation, but they had faith in the words of Jesus, “Blessed are those who are persecuted for righteousness' sake, for theirs is the kingdom of heaven” (Matthew 5:10).  In Acts 14 Luke writes that Paul and Barnabas travelled, visiting these churches, “strengthening the souls of the disciples, encouraging them to continue in the faith, and saying that through many tribulations we must enter the kingdom of God.”  They knew that Jesus had inaugurated his kingdom and that tribulation was the prelude to its consummation.  Their suffering was in union with the suffering of Jesus.  Paul wrote to the Colossians, “I rejoice in my sufferings for your sake, and in my flesh I am filling up what is lacking in Christ's afflictions for the sake of his body, that is, the church” (Colossians 1:24). And that's the second certainty: the kingdom.  We can face tribulation because Jesus has already inaugurated the kingdom.  As Paul wrote to the Ephesians, Jesus reigns “far above all rule and authority and power and dominion, and above every name that is named, not only in this age but also in the one to come.  And he put all things under his feet” (Ephesians 1:21-22).  The battle with the kings and gods of this age wages on, but Jesus has been given dominion over all.  John draws on the language and imagery of Daniel 7.  The Prophet writes: Behold, with the clouds of heaven          there came one like a son of man, and he came to the Ancient of Days          and was presented before him. And to him was given dominion          and glory and a kingdom, that all peoples, nations, and languages          should serve him; his dominion is an everlasting dominion,          which shall not pass away, and his kingdom one          that shall not be destroyed.  (Daniel 7:13-14) The Church faces tribulation precisely because Jesus' kingdom is here and now, because it stands in conflict with the gods and kings of the present age.  But that means that the Church—Brothers and Sisters, that we—can pursue the mission Jesus has given us with confidence.  Jesus won the decisive battle at the cross; his kingdom shall not be destroyed. That leads us to the third certainty: perseverance.  This is the heart of the book of Revelation.  The individual letters to the churches highlight this.  Where they have done well, they must persevere in well-doing.  Where they have compromised, it is critical that they return to Jesus and persevere.  And the rest of the book goes on to reveal the faithfulness of God to strengthen faith that they might persevere.  But notice, all these things are centred in Jesus.  We face tribulation because we are united with Jesus and because of his witness against the present age.  But we have confidence because we are united with Jesus and know and are part of his kingdom.  And we persevere as we are united with Jesus—sharing in his life and empowered by his Spirit—and knowing that what he has begun he will surely complete.  In the incarnation and at the cross, God has invested his beloved Son in the redemption of his creation from sin and death and we can be sure that no matter how bad things may get, God will never cut his losses.  The resurrection of Jesus was the decisive victory over the present age.  He will continue until he puts every enemy under his feet. Now, John goes on to say that he was “in the Spirit on the Lord's Day”.  The Lord's Day is a reference to Sunday.  I think, too, that there's some intentional symbolism here, drawing on the Old Testament idea of the Day of the Lord—the day when God would come in judgement to vindicate his people and to destroy their enemies.  And being “in the Spirit” is language drawn from the Old Testament prophets to certify John's status as a prophet.  Throughout the Old Testament the prophets speak of being in the Spirit as God speaks through them.  Prophecy is not a gut feeling, an impression, or a vague idea.  Prophecy is the distinct and clear word of God, delivered to man, through the mediation of the Holy Spirit.  This is why prophecy is taken so seriously in the Bible.  God's word is true and because of that his people can have confidence in it.  That trust, however, is undermined by false prophets and so to prophesy falsely is a grave offense.  It's an offense against God and against God's word.  The test is simple.  Does the word spoken come to pass?  Does it jibe with what God has already revealed about himself?  In the Old Testament, if it didn't, the false prophet was sentenced to death.  The equivalent in the New Testament would be excommunication.  It's something that, sadly, the modern church does not often take seriously with the result that we've cheapened prophecy and have a multitude of false prophets running around leading people astray and undermining faith in God's word. But, John, truly in the Spirit, hears a voice like a trumpet—a clarion call and a summons—and he is instructed to record what he is about to see and to send that record to seven churches: Ephesus and to Smyrna and to Pergamum and to Thyatira and to Sardis and to Philadelphia and to Laodicea.  This is a cluster of churches in western Asia Minor, western Turkey—churches where John's ministry was well-known.  If it were today we could say that he was their bishop. First John hears that great voice and then he turns to see who it is.  Look at verses 12-16. Then I turned to see the voice that was speaking to me, and on turning I saw seven golden lampstands, and in the midst of the lampstands one like a son of man, clothed with a long robe and with a golden sash around his chest.  The hairs of his head were white, like white wool, like snow. His eyes were like a flame of fire, his feet were like burnished bronze, refined in a furnace, and his voice was like the roar of many waters.  In his right hand he held seven stars, from his mouth came a sharp two-edged sword, and his face was like the sun shining in full strength. Who is it that speaks?  Why should we care what he has to say?  Does his word carry authority?  Well, his summons to John was like the summons of a trumpet—imagine the sound of trumpets blown by royal heralds.  And now, turning he sees this awe-inspiring image.  If it's hard to wrap your head around John's description, that's because it's a composite of a bunch of different images drawn from all over the Old Testament, but especially—again—from Daniel.  Whatever John saw, this was the best way he could describe it. So, first, John is drawn into a sort of heavenly analogue to the holy place of the tabernacle or temple.  That was the place where, in Israel, the lampstand stood, burning always and filling the tabernacle with its light.  But here there are seven—a connection with the seven churches to which John writes—but united in Jesus.  Jesus stands in the midst of them.  The long robe and the golden sash around his chest show him as the high priest.  He's the one who tends the lamps, trims their wicks, keeps them burning.  These churches were struggling through difficult days, but the Lord Jesus sustains them. And John describes him as one like a son of man—that's a figure from Daniel 7—but he also uses imagery to describe him that draws on Daniel's description of the Ancient of Days.  The son of man—and I read the passage about him from Daniel just a bit ago—was the representative of Israel, of the people of God, to whom the Ancient of Days gave dominion, glory, and kingdom forever.  This is Jesus.  But what's really interesting is that John's physical description of him is that of the Ancient of Days, of the one who gives the son of man his dominion, of God himself.  Here's Daniel 7:9-10. As I looked, thrones were placed,          and the Ancient of Days took his seat; his clothing was white as snow,          and the hair of his head like pure wool; his throne was fiery flames;          its wheels were burning fire. A stream of fire issued          and came out from before him; a thousand thousands served him,          and ten thousand times ten thousand stood before him; the court sat in judgment,          and the books were opened.   So this isn't just a description of Jesus as majestic and awe-inspiring.  John uses this description to equate Jesus with God himself.  It's a remarkable testimony to the divinity of Jesus that does so drawing on the Old Testament.  And that's not all.  There just isn't time this morning to get into every detail.  The flaming eyes, the bronze feet, again the gold sash, are all drawn from Daniel 10.  And while his call was like the sound of a trumpet, when he addresses John, it's like the overwhelming sound of rushing waters, which is how Ezekiel describes the sound of God's glory returning to the temple. Jesus holds a constellation of seven stars in his hand.  This one's pretty cryptic, although John does tell us in verse 20 that these stars are the angels of the seven churches—possibly heavenly beings with some kind of oversight of these churches, but I think more likely referring to their bishops or elders.  It's not an easy bit of imagery to sort out.  The sword proceeding from Jesus' mouth, however, is much more obvious.  This is his word.  In 2:16 we read that by it he will make war against his enemies and in 19:11-16, by it he will conquer the nations. Even to trace all the pieces of this image of Jesus back to their Old Testament sources is overwhelming.  It's good to do so, but I like George Caird's warning not to “unweave the rainbow”.  He writes, “John uses his allusions not as a code in which each symbol requires separate and exact translation, but rather for their evocative and emotive power.  This is not photographic art.  His aim is to set the echoes of memory and association ringing.”[1]  That's a good way to understand the imagery of Revelation and, especially, passages like this.  It's something like look at a rainbow—or it should be.  The rainbow is made up of bands of colour as this imagery is made up of allusions to the Old Testament.  But as the rainbow itself is more than just sum of its colours, so John's images are more than just the sum of all these biblical allusions.  Our problem is that we lack that memory and association those first Jewish Christians had.  I think the image, which seems so “weird” to us, would have been far less weird to the original audience and would simply have inspired a natural awe.  They saw the rainbow, where we see the bands of colour and struggle even to put names to them. And natural awe exactly John's response.  As I was reading this I was thinking of a recent conversation I had with Rob.  He was talking about visiting anther church here in Courtenay and said he could understand why people went there.  I think the words he used to describe it were “fun” and “party”.  I know, the services there—as is increasingly common—are modelled on rock concerts.  It's not just them; it's symptomatic of our culture.  We have lost a sense of the holy.  We have little space left for reverence.  We're increasingly familiar and casual with everything and everyone—including God.  And yet that's just not what we see in the Bible when people encounter God.  Throughout the Scriptures, the people who encounter God are overwhelmed with awe and fear.  Even Peter, who was comfortable to argue with Jesus as the rabbi who got into his boat and told him to row out into the lake, fell to his knees and begged him to leave—his exact words were, “Depart from me, for I am a sinful man, O Lord.”—when the understanding of just who Jesus was sank in.  Even meeting an angel inspires fear throughout the Scriptures—with the odd exception of Jacob's, who decided to start a fight.  No one with a real sense of who God is—or who Jesus is—walks casually into the presence of holiness.  Here's what John has to say about his own response in verses 17-20: When I saw him, I fell at his feet as though dead.  But he laid his right hand on me, saying, “Fear not, I am the first and the last, and the living one.  I died, and behold I am alive forevermore, and I have the keys of Death and Hades.  Write therefore the things that you have seen, those that are and those that are to take place after this.  As for the mystery of the seven stars that you saw in my right hand, and the seven golden lampstands, the seven stars are the angels of the seven churches, and the seven lampstands are the seven churches.   Like everyone else who has ever had a real encounter with God, John prostrates himself.  But human fear in the presence of the holy is only half the story.  Like every other time God's servants fall at his feet this way, Jesus says those wonderful words, “Fear not.”  The fire will not consume those whom the holy One calls into his presence.  This is language drawn from Isaiah.  “I am the first and the last,” Jesus says.  He identifies himself with the God of Israel and he does so again with those words we find across the Old Testament, “I am the living one”—a title closely tied to God's very name, the I AM.  But in Jesus this title takes on new meaning.  He is the one who died—who was crucified—and whom God raised from death.  He is the firstborn of the resurrection, the firstborn of God's new creation.  He's not only alive forevermore, but in conquering death itself, he now holds the keys to death and hades—he holds the keys that will release humanity from bondage. And in a scene that recalls Isaiah, Jesus commissions John.  There is no purifying coal held to John's lips as there was to Isaiah's.  The old Israel was an unclean people in need of redemption, but the new Israel, John and the people, the seven churches to whom he is commanded to write, have already been purified by the blood of the lamb.  They have already been made holy—now they're being exhorted to persevere. And, Brothers and Sisters, that brings us back to where we started.  That whole thing about “consider the source”.  Jesus speaks to the Church and John shows us our Lord as he speaks.  And on the one hand we see the God of Israel, the Ancient of Days, the living God, the great I AM.  We enter in the presence of the holy.  This is the God before whom we can only fall on our knees and sing out with the greatest of reverent fear, “Holy, holy, holy!  Lord God Almighty.”  But he is, at one and the same time, the Son who has lovingly humbled himself for our sake, who has taken upon himself our flesh, who has submitted himself to hatred, to abuse, to torture, and to death to redeem a people for himself.  He is the Ancient of Days, but he is also the one of whom we can sing, “The Lord's my shepherd, I'll not want.”  He is the good shepherd who has given his life for the sheep and who now draws us near. Here's the heart of this revelation.  Here are those three certainties: tribulation, kingdom, and perseverance.  We struggle to reconcile the joint presence of tribulation and kingdom.  How can God's kingdom be present when we face tribulation?  But this is just it.  Jesus took his throne, he established his kingdom, he won the victory over sin and death through suffering.  And now, Brothers and Sisters, he exhorts his people to follow the same path.  The Church will be victorious, the Church will see the consummation of Jesus' kingdom one day, but it will triumph over the would-be gods and kings of this present age ultimately through tribulation.  It is not an easy path, but the purpose of this Revelation of Jesus the Messiah is to show us the way and to assure us that our Lord is with us every step we take. Let's pray: Blessed Lord, who caused all holy Scriptures to be written for our learning—and in particular the Revelation of Jesus that you gave to St. John: help us so to hear them, to read, mark, learn and inwardly digest them that, through patience, and the comfort of your holy word, we may embrace and for ever hold fast the hope of everlasting life, which you have given us in our Saviour Jesus Christ, who lives and reigns with you, in the unity of the Holy Spirit, one God, now and for ever.  Amen. [1] The Revelation of St. John the Divine (London: A & C Black, 1973), 25.

On this episode of Financial Planning For Canadian Business Owners, Jason Pereira talks to Chris Sabat - General Counsel McMillan Estate Planning. Today Chris is going to talk about a deeper dive into statement freezes. We have covered a freeze in the past, but specifically today, we are going to go over a little bit more around the thinking and the mechanics of how you execute an estate freeze and why? Episode Highlights: 1.16 Chris is a lawyer working with a team of lawyers, accountants, financial planners, and state planners at Macmillan Estate Planning Company in Calgary. Primarily McMillan serves entrepreneurial families throughout Western Canada. 1.58 Chris says it is not a situation where they find themselves going into their account and having a discussion that needs some advice taking that advice and trying to interpret that invoice for their lawyer. That is what kind of unique from my perspective about McMillan is that all those experts bring brought under one roof. So as per Chris, it really helps to facilitate a positive result in relation to something like an estate freeze.2.44 Jason says we all in our own industries get caught up in jargon and our level of what we consider based on proficiency or base understanding, but that's not what the average person thinks. Sometimes it is easy for us to get carried away, and sometimes it translates into something that is very simple and powerful. 3.05: According to Chris, Estate freeze is sort of a revenue Canada taxation of your state. What you're doing is you're freezing the tax liability. That will be imposed upon your passing and transferring that value deferring that taxation into the hands of your children or successive generations. In a nutshell if we want to stop the increased taxation of your estate while still providing you with access to that value, should you happen to need it. 4.45: Chris says that the revenue Canada recognizes with things like the succession of a business, one of the challenges is the tax building comes about on passing. This can be a way to help transfer between two successful successions within a family. 5.35: In most cases, the conversation on estate freezes typically gets started, probably by the accountant or the advisor, and then the lawyers get roped into it. Jason asks Chris to talk to about the first steps or requirements they brought to the table in this estate freezer. 5.55 Chris explains that the estate freezes can be used in relation to a wide variety of assets. It can even be used for things like publicly traded securities or investment accounts. So, it is not necessarily just restricted to the use of the transfer of shares or the freezing of the value of a corporation or qualified small business.6.48 Chris says as a first step, we must have a value. Whether it is an investment account that is the subject of the freeze, whether it is a real estate portfolio that contains primarily passive assets, or whether or not it's an active company qualified small business corporation. We need to have some sort of valuation.8.35: As per Chris, entrepreneurial families don't want to give up control. They always want to have some control over the business and its future going forward. 10.23: There are a couple of provisions in the tax code of section 85 which allow us to roll over assets. There are others like 51, which allows us to exchange, but these are all recognizing the tax code is being non-taxable events, they are basically tax-deferred events. 10.56 Jason asks Chris, “You mentioned two options you had, either held by the next generation or held by a family trust. Could you talk about the positives and negatives of both those strategies?” 11.05 Chris highlights the huge negative around the transfer or the direct transfer. It is like having the children as individuals subscribed to the grocers, a huge downside of that is that the children actually own shares. If the children own shares, that means Mom and Dad can't be in control. 13.14: Another huge advantage with the family trust from my perspective, especially for your qualified small business corporation, is the ability to multiply your lifetime capital gains exemption or the lifetime capital gains exemption that applies for the business, says Chris.15.29 Jason says, let's talk about what happens when you establish the estate freeze, and for whatever reason, you wanted to send your kids or whatever it might be, and you want to undo the estate freezes. So, what's involved with something like that? 16.02 Chris: One reason that the unwinding of the estate freeze comes about is because the vast majority of trusts have a 21-year deemed disposition, so we do the estate freeze. We have given the growth value to the family trust 21 years in the future. Revenue Canada in essence, gives you one of two options. You can pay the taxes on the capital gains; the family trust can pay the taxes or roll their shares out to one or more beneficiaries. So, it is not uncommon in families to see a freeze done maybe at least a couple of times during their lifetime.17.48: At the end of the day, what you are doing is you are transferring the shares to one or more of the beneficiaries, and it is a relatively simple exercise, says Chris19.06 Jason request Chris to explain the concept of a wasting freeze.20.05: Chris explains no one has a continual ongoing valuation of their business, so once you have got that fixed value, you quite conveniently redeemed and then wither away those capital gains. Typically, what we are doing is we are stopping future capital gains and getting rid of some of the historical capital gains that have been built up in the estate. 21.09: Talking about section 208, Jason inquires how does the misery, that is, the complications of that section of the act, impact? How is it to be approached at this point?21.27: Chris explains bill C208 is the law. It is not finalized. Revenue Canada has made it clear, or the Department of Finance has made it clear that they are going to propose amendments to Bill C208. What Chris likes about Bill C208 is that, in a sense, there is maybe a recognition that business succession planning is a long-term exercise. 24.40 As per Chris's observation about an estate freeze, especially when they utilize things like family trusts, is that unfortunately. They are often looked at as an accounting exercise. They looked at it from the perspective of how do we minimize tax? At the end of the day, we have got a business valuation. We have got a share swap. The question is that professionals assisting you understand all of the potential complications that can come about in these types of scenarios.27.10: Jason says estate freeze is simply an accounting strategy. This is not a taxation exercise at its core this is a financial planning exercise. This is a family dynamics exercise. This is an entrepreneurial succession planning exercise. 3 Key Points:The one thing unique about McMillan is that all professionals need to be involved in accountants, lawyers, experts, and things like business, succession, etc. So, all of those individuals have been brought under one roof. From Chris's perspective, the advantage of that is that it is not the sort of situation where maybe a client identifies, and we hear something about the concept of an estate freeze and how that might be advantageous. The kind of first level of an estate freezes it is about limiting capital gains on passing and then where it really becomes powerful. We can really create value, or at least minimize the taxation that is going to be imposed upon events like the sale of a business.The problem historically around succession planning was that there was a penalty if you happen to sell your shares to your children. It was treated as a dividend. With Bill C208, ultimately, what we are going to be able to do is facilitate transactions where there is actually an intergenerational transfer of the company shares, and you will be able to utilize that lifetime capital gains exemption. So, it does work in conjunction with an estate freeze. Tweetable Quotes: “In a nutshell, the bottom line about Estate Freeze is we are stopping the growth in one person's name and passing it on to another generation's name.” - Jason Pereira“Family trust is often the preferred method.” - Chris “In cases where the freeze happens, and there's an amount, especially in excess of the capital gains exemption amount, a lot of clients who speak, they plan on taking a given an income from the company for the rest of their lives.” - Jason Pereira“We know the Department of Finance is going to come in, and they are going to fiddle with the bill, and of course, their concern is surplus stripping. They don't want abuses of the Income Tax Act in order to allow people to extract value at a non-dividend tax rate at the capital gains rate.” – Chris “Bill C 208 once cleaned up it still stays true to the actual spirit of what you trying to do, would actually maybe eliminate for that would allow that deemed dividend on a wasting freeze to become a capital gain.” – Jason “When it comes to things like business succession when it comes to controlling issues when it ensures that at the end of the day other than just saving tax, the estate freeze meets the goals and objectives of the family.” – Chris Resources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorLinkedIn – Jason Pereira's LinkedInChris Sabat: Website | LinkedIn Podcast Editing Transcript See acast.com/privacy for privacy and opt-out information.

Craig Kielburger was the Greta Thunberg of the 90s – a 12 year-old kid from the suburbs who dreamed of freeing the world's children from slavery. His activism made him famous, and he was endorsed by Oprah, the Pope, the Queen, and the Clintons. His campaign became a global movement and a powerful brand.  But right from the start, there were uncomfortable questions about money and exploitation. Decades later, it all came crashing down. But the seeds of WE's self-destruction were planted right from the start…   Official responses from WE: According to the WE Organization: neither the WE Organization nor Marc or Craig Kielburger have ever been investigated by a law enforcement agency, currently or in the past. The WE Organization maintains that all financial transactions between its various entities, both charitable and for-profit, have followed all applicable laws. In his libel claim against Saturday Night Magazine: Craig Kielburger said that the article was false and led people to wrongly believe he was keeping the money for himself. According to a reported statement by a Free the Children accountant, donations made prior to the organization becoming a registered charity were deposited in a separate bank account, and the group was being run as a charity pending Revenue Canada's approval of its application.   2018 investigation: https://www.canadaland.com/all-of-wes-answers-to-canadaland-and-letters-from-their-lawyers/ 2019 investigation: https://www.documentcloud.org/documents/21044335-we-responses-to-canadaland-2019?responsive=1&title=1   Further reading: Canadaland's reporting on WE Charity: https://www.canadaland.com/?s=we+charity   The WE Charity story, according to WE:  https://www.we.org/en-CA/about-we/we-charity/our-story   WE.org Transparency page: https://www.we.org/en-CA/transparency-reporting/we-charity   WE.org Financials page: https://www.we.org/en-CA/about-we/we-charity/governance/   ME to WE Transparency page: https://www.we.org/en-CA/transparency-reporting/me-to-we   Music by Audio Network   This episode contains source materials used under the Fair Dealing provisions of the Copyright Act. Sources:   It Takes a Child Craig Kielburger's Story – A Journey into Child Labour Directed by Judy Jackson Produced by Judy Films Youtube   The Story of Craig Kielburger produced, and narrated by Sherine Mansour CPAC Youtube   In Search Of Character LiveWire Media Elkind+Sweet Communications, Inc https://www.livewiremedia.com/product/in-search-of-character/   The Price WE Paid The Fifth Estate/CBC   Interview with Craig Kielburger CSPAN   Craig Kielburger NSB Speakers promotional video Youtube   Marc Kielburger NSB Speakers promotional video Youtube   WE Movement Youtube Channel https://www.youtube.com/channel/UCm6agaIkn5aBJlLLds7P1HQ   MeToWe Youtube Channel https://www.youtube.com/channel/UCm6agaIkn5aBJlLLds7P1HQ   CTV News – Kielburger brothers interview with Lisa Laflamme https://www.youtube.com/watch?v=m_p5PRLy2os   MTV Cribs: Craig Kielburger Episode Haddon Strategy https://vimeo.com/49975157   Support CANADALAND: http://canadalandshow.com/join See omnystudio.com/listener for privacy information.

Craig Kielburger was the Greta Thunberg of the 90s – a 12 year-old kid from the suburbs who dreamed of freeing the world's children from slavery. His activism made him famous, and he was endorsed by Oprah, the Pope, the Queen, and the Clintons. His campaign became a global movement and a powerful brand. But right from the start, there were uncomfortable questions about money and exploitation. Decades later, it all came crashing down. But the seeds of WE's self-destruction were planted right from the start…Official responses from WE:According to the WE Organization: neither the WE Organization nor Marc or Craig Kielburger have ever been investigated by a law enforcement agency, currently or in the past.The WE Organization maintains that all financial transactions between its various entities, both charitable and for-profit, have followed all applicable laws.In his libel claim against Saturday Night Magazine: Craig Kielburger said that the article was false and led people to wrongly believe he was keeping the money for himself. According to a reported statement by a Free the Children accountant, donations made prior to the organization becoming a registered charity were deposited in a separate bank account, and the group was being run as a charity pending Revenue Canada's approval of its application.2018 investigation:https://www.canadaland.com/all-of-wes-answers-to-canadaland-and-letters-from-their-lawyers/2019 investigation:https://www.documentcloud.org/documents/21044335-we-responses-to-canadaland-2019?responsive=1&title=1Further reading:Canadaland's reporting on WE Charity: https://www.canadaland.com/?s=we+charityThe WE Charity story, according to WE: https://www.we.org/en-CA/about-we/we-charity/our-storyWE.org Transparency page:https://www.we.org/en-CA/transparency-reporting/we-charityWE.org Financials page:https://www.we.org/en-CA/about-we/we-charity/governance/ME to WE Transparency page:https://www.we.org/en-CA/transparency-reporting/me-to-weMusic by Audio NetworkThis episode contains source materials used under the Fair Dealing provisions of the Copyright Act.Sources:It Takes a ChildCraig Kielburger's Story – A Journey into Child LabourDirected by Judy JacksonProduced by Judy FilmsYoutubeThe Story of Craig Kielburgerproduced, and narrated by Sherine MansourCPACYoutubeIn Search Of CharacterLiveWire MediaElkind+Sweet Communications, Inchttps://www.livewiremedia.com/product/in-search-of-character/The Price WE PaidThe Fifth Estate/CBCInterview with Craig... See acast.com/privacy for privacy and opt-out information.

David Elderfield and his company had developed a high-tech solution to the problem of cargo security in containers entering through Canadian ports. He was in the process of building an integrated system that would have vastly improved Canadian port security when the CRA (Canada Revenue Agency) seized his bank accounts and ultimately killed the project. He has been asking the CRA for years to conduct a proper audit of him and his business—which he is confident would clear him. By any measure, he deserves to have his name cleared and to be compensated for his financial losses. Unfortunately, Canada has missed an opportunity to improve our border security.

Would you like to retire with a million dollars saved up? Everybody has to have their savings and money reside somewhere. In today's episode, we talk about the difference between a Whole Life Policy as compared to an RRSP for storing your million-dollar retirement. One of the things many Canadian citizens do not take into account is the tax dues, lack of control, and risk of market downturns that can adversely affect your retirement fund and become a major pain point for a person once they have retired.    IN THIS EPISODE, YOU WILL LEARN:  0:00 Introduction  3:56 Retirement with a million dollars in an RRSP vs a Whole Life Insurance 9:56 The power of financial control with a tax-free account 16:37 Going into business with Revenue Canada  19:25 Canadian's are tired of being overtaxed 21:38 Market dips in RRSP accounts  

Would you like to retire with a million dollars saved up? Everybody has to have their savings and money reside somewhere. In today's episode, we talk about the difference between a Whole Life Policy as compared to an RRSP for storing your million-dollar retirement. One of the things many Canadian citizens do not take into account is the tax dues, lack of control, and risk of market downturns that can adversely affect your retirement fund and become a major pain point for a person once they have retired.    IN THIS EPISODE, YOU WILL LEARN:  0:00 Introduction  3:56 Retirement with a million dollars in an RRSP vs a Whole Life Insurance 9:56 The power of financial control with a tax-free account 16:37 Going into business with Revenue Canada  19:25 Canadian's are tired of being overtaxed 21:38 Market dips in RRSP accounts  

OBSERVATION Tuesday cra phone lines

An introduction to the New Series, "Letters Out Loud". I was compelled to Author a new Writ today, so We are starting with My most recent letter to My landlord advising them I am not a taxpayer (and therefore cannot produce income assessment forms provided by Revenue Canada), and that they have My consent to contact the necessary Ministries of the Canadian government for income verification purposes.

The last time we got our political panel together we were wondering when the election would be called. Now, we're all wondering, when will the election be over. This year, tax deductions might be a little different than usual, if you've been working from home during the pandemic. Dawn Kennedy explains what you can and can't claim as a home office. Some health authorities across the province have wrapped up their rapid testing clinics for COVID-19. The voluntary testing was meant to give a snapshot of what's happening in some regions. Rhonda Rodgers and her partner Paul have bought the old school in St. Lunaire-Griquet and they are turning it into what they say will be the largest indoor adventure park in the province.

Carmen and Jordan Campagnaro welcome tax expert and Partner at BDO Canada, George Dube, to the show this week to discuss common Canadian real estate tax questions. George covers the benefits of different real estate ownership structures, how to approach renovations from a tax perspective, along with best tax structures for passive investments. He has been around for decades servicing real estate investors specifically and is an investor himself, so he has a unique understanding of all sides of the business, and he shares so much of it here today.   Episode Highlights:   How George got started in the real estate tax space George's bowties The contrast between investing under personal or corporate entities Tax advice for ‘flipping' properties, handling ownership of corporations, What family trusts are and how they work The tax perspective on owner occupied residences vs. rental properties, renovating properties, Passive vs. active investments Quotes:    “The most common, if you will, is deciding between personal and corporate, although there is a host of other alternatives.”   “With a corporation properly created, I have a lot more flexibility.”   “There's pros and cons in why I think it's important to involve multiple people to the table – it's not just a tax decision.”   “Instead of that ‘parent corporation', we're more frequently using a family trust now.”   “If I was personally owning all my assets, as an example, it's possible I might be giving away roughly 25% of my estate to Revenue Canada – a family trust, potentially zero.”   “I involve my GST and HST Team here because they deal with this on a day in/day out basis.”   “By all means, I want to pay all I'm required to pay, I just don't want to donate extra.”   “I don't like the handcuffs.”   Links:   30 Minutes to Wealth homepage: https://www.30minutestowealth.com/

Episode 35 of HatRadio! features Robert Pal, an ADHD Coach as my guest. Robert is generously giving away his online course - taking charge of your ADHD - for FREE, simply for listening to this show. You can secure the course until the end of September and then study it when ever you like. To get the course go to his website - robertpal.com and click 'online course' at the top of the homepage.  Once you've done that the site will walk you through the rest. At some point you'll be asked for a coupon number to receive it for free. Input 90219 and you're ready to go. Thanks Robert. Good luck to all! _____________________________________________________________________________ No doubt, you've been faced by an overwhelming challenge in life, one you weren't sure you'd prevail over. Well, Robert Pal was you at the turn of the millennium and he looked fear, financial destruction, and defeat straight in the eye. It was an iffy time.  In episode 35 of HatRadio! at the 1:00:21 mark, you'll hear Robert's story about a substantial jewelry business he had built, which allowed for a beautiful life with his family, and a very decent living. Then one lovely day, Revenue Canada (called that at the time) arrived at his company's doorstep. They challenged Robert on an archaic statue, and a prolonged 4-year battle with this government body ensued.  You know the day when that phone call comes, or the email arrives, the one you've been dreading, or perhaps hoping would pull you out of the muck? Well, Robert got exactly that, and he discovered....he'd lost. This entrepreneur who had always run a clean shop, had no choice but to declare bankruptcy. What do you do on days like that? Crawl into bed? Worse - consider ending things.  Robert, got into his car, sped along the highway at too high of a speed in disbelief and sadness....and then......images of his two little girls, twins popped into his head. He slowed the Lexus down, went home, picked up his 3-year old’s and offered them a day of their own, wherever they'd like to go. They chose the CNN Tower. Robert had a stark realization of what was really important in life.  Life had changed for Robert Pal, as it does for all of us. Over time this dismal time in his life, what seemed like a defeat, proved to be a victory.   Listen to Episode 35 of HatRadio! a show about you and me, an hour and a half schmooze about responding to tremendous adversity, standing tall and and committing to LIFE!   At 22:35, listen to a tool Robert shares called the GRATITUDE VISIT. He did so with his cousin Ronny. It's fascinating and something you may want to do with an individual in your life whose been good to you.  At 41:40, hear my schmooze with Robert about age,as we're both about to turn 60. He is developing a plan for his 60th decade, where he wants to go, what he wants to do. Again, a compelling idea and positive approach to life. 1:29:00, learn about the FUCK-YOU ALL tool. This motivated Robert. It could do for you too. Everyone has those awful times in life, the part of our personal narrative that makes us wonder about our very existence. Robert did in the form of bankruptcy, a total change of life, and the need to redefine himself. Out of all of that craziness, this very thoughtful and pensive fellow became an ADHD coach. He decided to help others through his experience. You'll hear all about his encouraging journey in Episode 35. Grow through Robert Pal's life. Identify with his struggle and his win!  Enhance your life and that of your family's through this marvelously positive schmooze.  HatRadio! The show that schmoozes.    

Shannon is a Certified Financial Planner (CFP), Chartered Investment Manager (CIM), media personality, personal finance expert, financial literacy advocate and founder of the New School of Finance. Shannon is a best-selling author of the two books:-- Worry Free Money-- Living Debt Free0:18 -- Intro with Shannon Simmons2:15 -- What is your money history story? We explore how money is talked about within the household, and how families can reflect shame and secrecy around finances. It's time to get open about your finances!5:40 -- Do you talk about how your business is doing, whether it's good or bad? We talk about all the feelings that people have when talking about and handling money.8:35 -- Are you passionate about what you do, but scared to see if it's actually profitable? We dig into the emotional layer of taking a hard look at whether your business is actually profitable.9:55 -- Why Shannon chose to work Freelancers and how she made a niche for herself.11:48 -- TAXES! This is what you've been waiting for. How to organize your taxes and what you need to do when you're just starting off. How to wrap your head around income tax.15:50 -- EXPENSES! What are they? What's a write-off, and how to organize the money that is going OUT of your business. How do you know if something is a an expense? Find out here.23:25 -- What are some things that are not allowed to be expensed, and what in Shannon's experience has been the most bizarre expense attempts.26:00 -- How do media personalities and influencers determine expenses? We discuss how the landscape has changed since the emergence of all these new careers.27:20 -- We talk CRA and how they are a great resource for entrepreneurs. It's not a big bad agency who's out to get your money. We talk all about the role of Revenue Canada.31:30 -- What is the difference between income tax and sales tax? Let's clear up some muddy waters about GST/HST, sales tax and income tax.37:25 -- Where can you find Shannon, and what resources she has to offer.ResourcesHere's where you can find ShannonFinancial Services:http://www.newschooloffinance.com/http://www.shannonleesimmons.com/Books:https://worryfreemoneybook.com/Social:https://www.instagram.com/shanleesimmons/ See acast.com/privacy for privacy and opt-out information.

Beckler & Seanna talk about Seanna's first boyfriends, lingerie, and call Revenue Canada's snitch line to report some tax fraudsters.

I don’t trust Trudeau or his wrecking crew. But I wouldn’t trust a conservative, either. I wouldn’t trust any politician, and as the thousands of security breaches already show, you just can’t trust people in government, bureaucrats, clerks, whomever. They snoop, like Revenue Canada did, and Statistics Canada did. GUEST: John Carpay

Taxes Suck…. so get an Awesome Accountant. 1:30 From a downtown high-rise to farm kitchen table. 5:50 Family business – clients you can get to know. 7:45 Not exactly sure what Besnik does and that’s just the way he likes it. 10:30 Legitimate tax strategies, or as the Liberals call them, Loopholes. 13:20 Justin Trudeau – champion of the middle class? Lol. 15:50 Revenue Canada questions if family members contribute to the family farm. 18:50 Small business succession planning. Surprise! You’re screwed. 24:15 Ever feel like someone made a mistake and is afraid to admit it? Me too. 26:00 And…. Wendell solves the deficit.

Paul Gowsell had irrational confidence from an early age.  While other junior curlers were learning the game by challenging their peers, Gowsell was taking cash and cars from the best teams in the world.  When Neil Houston and Glen Jackson graduated from Team Gowsell's junior ranks after their Uniroyal World Championship in 1976, they continued as part of Paul's bonspiel team, even while he and lead Kelly Stearne picked up John Ferguson and Doug McFarlane to win the '77 Canadian Juniors and '78 Worlds.  These Gowsell rinks became infamous for their long hair, beards and crazy pants, but also for ushering in the hair broom era and initiating the rapid end to the corn broom.  Paul shares stories from those junior championships and traveling in his van to cashspiels across Western Canada. You'll hear about the party at the Van Winkle hotel, the brushing controversy in Scotland, Revenue Canada's attempts to tax curling, dealing with the RCMP and tips on how to beat corn broom teams.     You can find more on Paul Gowsell in "The Curling Book" by Ed Lukowich, with Rick Folk and Paul Gowsell, Jean Sonmor's "Burned by the Rock" and "The Brier" by Bob Weeks.  Video from the 1976 World Junior Championships can be found at The Curling History Blog.     Next Episode: Matt Baldwin

In this Episode 80: How I Almost Got Arrested ( A Lesson in BS) I discuss: *A phone call I got from Revenue Canada saying I owed back taxes and willingly committed fraud *how they were coming to arrest me at my office immediately *why I fled the scene, and after calling our lawyer, figured out what was really going on *the MASSIVE Lesson I learned from the experience Listen to the latest Women Wanting More podcast episode in iTunes here. MORE TIP: WHO in your Life do you need to stop believing? WHO is not in your corner supporting, inspiring and encouraging you with what you want to do in your Life? What is the ONE thing you can do to change this? Do you need to journal about it first, have a conversation, send them an email…do that ONE thing TODAY. And then send me a private message on my personal Facebook page, post on my wall, or on the Women Wanting More FB page to let me know what you came up with. RESOURCES Episode 74: Sometimes You Need to Experience the Bad to See the Good Episode 73: Own it Or Be Owned Episode 66: The Teacher is ALWAYS There Warrior on Fire podcast (the inspiration for THIS podcast)  Your Daily Revolution (a NEW podcast by my incredible coach, Setema Gali) Subscribe to the Women Wanting More Newsletter to get the Show Notes for Each Episode conveniently delivered to you inbox 3 times a week, get your More Tip to start putting what I teach into ACTION to get MORE out of your Life, daily email inspiration on how to Have it All, AND the MORE Four Action Guide, too!

Today’s guest is Ian Martin.  Ian is both a licensed Bankruptcy Trustee and Chartered Professional Account, and he also has seven years of experience working at Canada Revenue Agency.  As someone who understands both tax law and insolvency law, Ian brings a wealth of knowledge to the conversation and provides in-depth answers to many common tax debt questions.   On today’s show we answer many frequently asked questions about tax debt, including whether or not tax debt can be included in a bankruptcy, and whether or not it’s possible to make a deal with Revenue Canada.

Banking made easy for families on the go with government cheques directly deposited into your bank account.

Banking made easy for families on the go with government cheques directly deposited into your bank account.

The Government of Canada is eliminating cheques by April 2016. With the click of a button, have your tax credits directly deposited into your bank account

The Canadian Government is getting rid of cheques and issuing direct deposits. Canadian businesses need to register for direct deposits for GST/HST return, accounts payable or corporate tax refunds

If you receive a Child Tax Benefit, Old Age Security, Employment Insurance, a GST tax credit or a tax refund, you’ll need to register for direct deposits before April 2016. The Government of Canada is phasing out cheques and Canadians and Canadian Business Owners will be affected. Get a head start on direct deposits to secure your government payment.

In the summer of 1996 I presented a series on CBC Radio’s Island Morning program, produced by Ann Thurlow, called Consumed by Technology. I’ve managed to recover the audio of the episodes, along with the “show notes” and transcripts, from The Internet Archive and I’m posting each episode here for posterity. This fourth episode of Consumed by Technology focused access to information; it aired on July 30, 1996. Karen Mair was the host. It used to be that in rural communities on Prince Edward Island, the local telephone operator was the “central clearinghouse” for all types of information. If you wanted to know what the hymns were for church on Sunday, or whether Mrs. MacIsaac had given birth yet or what the price of apples at the general store was, you’d just pick up the phone and ask. The last rural telephone operator left service almost 20 years ago, but the idea of a “central clearinghouse” for information is still alive and well. Show Notes These are the original links that I released with the episode; each is a link to the Internet Archive’s cache of the site at the time. The Numbers Canadian Social Insurance Number Disclosure Regulations Special Joint Subcommittee Studying State and Commercial Use of Social Security Numbers for Transactional Identification How to get a Second Social Security Number Government and Privacy Federal Information Commissioner Federal Privacy Commissioner Privacy Protection across Canada Information For Sale ServiceOntario Kiosks Internet Department of Motor Vehicles Sherlock International Research Bureau Transcript INTRO: It used to be that in rural communities on Prince Edward Island, the local telephone operator was the “central clearinghouse” for all types of information. If you wanted to know what the hymns were for church on Sunday, or whether Mrs. MacIsaac had given birth yet or what the price of apples at the general store was, you’d just pick up the phone and ask. The last rural telephone operator left service almost 20 years ago, but the idea of a “central clearinghouse” for information is still alive and well. For another in the series “Consumed by Technology,” Peter Rukavina joins me now to talk about this, and to tell us what he found out when he asked the question “What have they got on me?” QUESTION: So the operators are all gone, but their spirit lives on? ANSWER: Well, perhaps a vague shadow of their spirit, a distant cousin, you might say… As you suggested, in days gone by, rural telephone operators played a central role in community life as the chief “keepers of information. “ After telephones came along, pretty well anything important that had to be communicated had to pass through the local telephone exchange. This meant that the operators had a pretty good handle on everyone’s life and goings on, and so if you wanted to know something, there was a good chance the local operator would either know themselves, or could tell you who did. In their own way, they were pretty powerful people in their communities. Today, telephone operators are gone, but what has lived on is the notion that having a central clearinghouse for information makes you a pretty powerful person. In this “wired world,” the place that information gets stored — the clearinghouse — is not in the minds of telephone operators, but in databases in computers. And so today, it’s really the person with the fastest computers and the best databases that holds the most power. Now with all of that in mind, I decided to set out to answer the question “What have they got on me?” I was curious to know how much information about me and my everyday life is sitting out there in the computers of the world, what it’s used for, and who can get access to it. QUESTION: Well… what did you find out? ANSWER: I started by sitting down with a piece of paper and listing out all of the businesses and organizations and governments that I knew had a file on me. I started with things like my driver’s license, my bank accounts, my Social Insurance Number, the credit bureau and continued on to things like the local video store, my Internet provider, and all of the magazines that I subscribe to. And on and on. Now I don’t tend to get surprised about much when it comes to information and technology, but I must say that I was overwhelmed by the size of this list when I was done… in 10 or 15 minutes I came up with almost 50 places that had some sort of information about me in their files. And those were just the places I knew about. Once I had this long list in hand, I decided to zero in on a couple of the items, make some phone calls, and see what more I could find out about exactly how and what was being recorded about me. I started with my driver’s license, which I figured was a good place to start because it has a reputation as being a sort of “universal card” — people ask for it when you want to rent cars or videos or sign up for a cheque cashing card at the grocery store. I assumed that if someone had my driver’s license number they could just phone the driver’s license people in the government and find out where I lived and what kind of car I owned and whether I’d run over anybody lately. QUESTION: And were you right? Well, actually, no. Much to my surprise, when I talked to the Highway Safety people in the Department of Transportation and Public Works I was told that driver’s license information is absolutely, positively confidential. The only people who could get at it were them, me, and the police. I asked them why, if this was the case, people still asked for my driver’s license number when I signed up for things that had nothing to do with driving. They had no idea. If it was useful to others, they said, it certainly wasn’t because of anything they were doing. Now, as I said, this all came as something of a surprise to me; I’d always thought driver’s license information was public. And then I found out why I’d always thought this. Being an Ontario boy, I got on the phone to the Ontario Ministry of Transportation. I never actually did get to talk to a real live person, but I was told by the talking computer that answered the phone that if I sent them $12.00 and an Ontario driver’s license number, they would send me what they call a “Driver Record Search,” which lists the name and address and three years worth of accident and speeding ticket information for the person with that license. And if I lived in Ontario, I could do the same thing simply by walking up to something called a “Service Ontario” machine where I could slip in my credit card, and get the goods on as many people as I could afford. QUESTION: They’re obviously a little more liberal with their information in Ontario… what about closer to home in New Brunswick and Nova Scotia? ANSWER: Again, it seems to depend on where you are. The person I talked to at the Nova Scotia Department of Consumer Services gave me pretty much the same answer as I got from Prince Edward Island: driver’s license information is not public. They seemed shocked that I would even ask. In New Brunswick, however, the Motor Vehicles Branch told me that if I sent $8.00 to their office in Fredericton, I could get the driver record of any New Brunswick driver and I wouldn’t even need their driver’s license number, just their name. I was curious to see what the American take on driver’s license information was, so I headed out on the Internet so see what I could find out. I did a search for the phrase “obtain driver’s license information” and, wouldn’t you know, that first thing that popped up was an business calling itself the “Internet Department of Motor Vehicles.” Just by filling out a form right there online, giving them a state and a name, for some states a driver’s license number, and my credit card number, for $20.00 they would email or fax me back any driver record, for any driver, anywhere in the United States. QUESTION: So it seems that we might be ahead of the pack here on the Island when it comes to protecting people’s privacy… ANSWER: Well of course some people would suggest that we’re actually behind the pack… again, it depends on who you talk to. In fact that brings up one of the Big Issues that surround keeping information about people on file, and that’s the question of who owns the information. Is, for example, my driver’s license file my property or the government’s? Now you might think that someone having access to your driver’s license file isn’t such a big deal. But what if that someone is an insurance company that turns you down because you got into an accident 5 years ago that wasn’t really your fault. Or a local car dealer who just happens to have a deal on the latest model of the car you’re driving now — in your colour! The point is that it’s hard to foresee what others might do with information about you. The situation becomes somewhat more complicated if you start looking at the issue not just of one government database or another being public, but the potential power of several of those databases combined. This is really where the telephone operators got their power: not from just knowing that Mr. Jones wasn’t at home on Sunday night because he wasn’t there to accept a long distance call, but also knowing that he used to be married to a mysterious woman from Toronto, a woman reported to be seen in Charlottetown on Sunday morning. Computer people call this “the power of systems integration.” QUESTION: So it’s not knowing all the little bits of information as much as having them all collected together… ANSWER: Exactly. Now if I continue down my list and just look at the branches of government who have files on me, I see Revenue Canada with a complete record of what I earn and what I spend in my business, the Passport Office with a record of my comings and goings in and out of the country, the Customs Office with information on what packages I’ve received from outside the country. The Department of the Environment knows what size my septic tank is, the Land Office knows what my house is worth. If I owned a dog, I’d need a license and that a record of that license would be in somebody’s computer. Now although I don’t really consider it anyone’s business but my own whether I own a dog or not, or what the size of my septic tank is, I’m not too concerned that information like that “gets out.” Imagine, however, if all of these databases were, effectively, “One Big Database.” What if it was possible to go up to a machine in the mall, slip in a credit card, and for 10 or 15 bucks find out everything that government knows about any person: where they live, how long they’ve been there, what they earn, who they’re married to… whatever. Now I should hasten to add that this is, in fact, not the case at least right now. There isn’t, at least yet, “One Big Database” of government information and, in fact, government’s have been quite strict about how they share their information with other governments. But the potential is certainly there for this sharing to happen. Take the example in Ontario where the provincial government is trying to get access to federal government files to help them track down people not making child support payments. This is another one of those instances where the basic issues themselves aren’t really that new — governments have been keeping track of us for years — but the power that computers bring to the task of collating and sorting and distributing this information changes the dynamic of the issue so much that we all have be a little more vigilant about keeping an eye on what governments are doing with information about us because they can do so much more now than ever before. QUESTION: Now that’s government information, what about information that businesses keep on file about us? ANSWER: I’m reminded of a call that my friend Leslie Niblett got when she was living in El Paso, Texas for a time. A woman from Houston whose name was also Leslie Niblett phoned her up, out of the blue, one day in the midst of a hunt for the Leslie Niblett that was making her life hell. It seems that some other n’er-do-well Leslie Niblett in Texas had skipped out on making their JC Penny Department Store card payments and that this fact had been incorrectly noted on the Houston Leslie Niblett’s credit file. She was now trying to buy a house, and was being turned down for a mortgage because of this. Her only solution was to call every Leslie Niblett in Texas until she found the one who was making her life so difficult. Lord knows if she ever did find her, and even if she did, what she could have said… I’ll be back next week to talk about how this could have happened, how it could happen to you, and generally about how businesses can use the information they have about us to sell more stuff. EXTRO: Peter Rukavina operates Digital Island in Kingston, PEI… he’ll be back next week with another in the series “Consumed by Technology.”