Santa

Wednesday December 24, 2015

Editorial Cartoon by Graeme MacKay, The Hamilton Spectator - Wednesday December 24, 2015 Where will the cold come from? Warmer weather forecasted in Hamilton T.S. Eliot wrote that the cruelest month is April, when flowers emerge from "the dead land, mixing memory and desire, stirring dull roots with spring rain." But the poet never experienced our December, which may end up the warmest on record, with confused buds blooming on land that doesn't know when to die. Cruel? "People are loving it," said Environment Canada climatologist David Phillips. "Forget about the whole Great White North reputation, people see this as payback for the last two winters, which were brutal." The Hamilton forecast not only calls for a green Christmas, but the temperature spiking to 15 C Thursday. Mild weather has been influenced by the impact of El Ni–o Ñ unusually warm water in the Pacific Ocean off the coast of South America. Phillips cautions that December is not over yet, but offers these highlights: ¥ Hamilton's average 2015 December temperature has been 4.8 C; the normal is -2.3 C, a seven-degree difference that Phillips calls "shocking." ¥ Total snowfall has been 1.8 centimetres; the lowest on record from fall through to Jan. 1 was 5.4 cm ¥ It can all change fast, but: "I see no end in sight for 2015. Because of El Ni–o, I don't see where the cold will come from. The ground is warm, lakes wide open, and any cold air that comes from the north is being moderated." Reaction depends on who is weathering the warm snap. Golfers delight: Knollwood golf club in Ancaster, for one, reopened, heralding on its Facebook page it's "the season that never ends" and noted 174 golfers teed-off one day. Commuters like it, as well as joggers, and those who never tire of talking weather Ñ the last refuge of the unimaginative, said Oscar Wilde. (And journalists.) Squirrels in Hamilton, meanwhile, have been spotted looking noticeably plumper from eating everything in sight like it's an end

Editorial Cartoon by Graeme MacKay, The Hamilton Spectator – Wednesday December 24, 2015

Where will the cold come from? Warmer weather forecasted in Hamilton

T.S. Eliot wrote that the cruelest month is April, when flowers emerge from “the dead land, mixing memory and desire, stirring dull roots with spring rain.”

But the poet never experienced our December, which may end up the warmest on record, with confused buds blooming on land that doesn’t know when to die.

Cruel?

“People are loving it,” said Environment Canada climatologist David Phillips. “Forget about the whole Great White North reputation, people see this as payback for the last two winters, which were brutal.”

The Hamilton forecast not only calls for a green Christmas, but the temperature spiking to 15 C Thursday.

Mild weather has been influenced by the impact of El Niño — unusually warm water in the Pacific Ocean off the coast of South America.

Phillips cautions that December is not over yet, but offers these highlights:

• Hamilton’s average 2015 December temperature has been 4.8 C; the normal is -2.3 C, a seven-degree difference that Phillips calls “shocking.”

• Total snowfall has been 1.8 centimetres; the lowest on record from fall through to Jan. 1 was 5.4 cm

• It can all change fast, but: “I see no end in sight for 2015. Because of El Niño, I don’t see where the cold will come from. The ground is warm, lakes wide open, and any cold air that comes from the north is being moderated.”

Reaction depends on who is weathering the warm snap.

Golfers delight: Knollwood golf club in Ancaster, for one, reopened, heralding on its Facebook page it’s “the season that never ends” and noted 174 golfers teed-off one day.

Commuters like it, as well as joggers, and those who never tire of talking weather — the last refuge of the unimaginative, said Oscar Wilde. (And journalists.)

Squirrels in Hamilton, meanwhile, have been spotted looking noticeably plumper from eating everything in sight like it’s an endless September. (Source: Hamilton Spectator)

Friday December 11, 2015

Friday December 11, 2015 Payday loan industry comes under microscope The province is moving to protect vulnerable people from cash stores and collections agencies Ñ but a local councillor calls the efforts "half-hearted." If passed, new legislation by the Ontario government promises to increase protections under the Payday Loans Act, Consumer Protection Act and the Collection and Debt Settlement Services Act. The aim is to provide safeguards such as a cap on the rates charged by cheque-cashing services, a grace period for repayment for customers of rent-to-own services and reasonable costs for optional insurance on instalment loans. It would also offer longer repayment periods for repeat payday loan borrowers, and expanded rules against unfair collection practices from businesses that purchase and collect overdue debts. But Ward 3 Coun. Matthew Green says the legislation "doesn't go nearly far enough in terms of really tackling the core elements and the predatory nature of this industry." There are 813 licensed payday lenders in Ontario Ñ more than there are McDonalds restaurants. Roughly 35 of those are in Hamilton, according to the ministry's online database. For starters, Green wants to see the "ridiculous" interest rates on payday loans slashed. Green put forward a motion this summer to limit and regulate these stores at a municipal level, which would have made Hamilton the first city in the province to do so. Staff is now looking into the feasibility of that. In the meantime, he and a working group made up of local agencies, including credit unions, are actively researching a model for a market alternative low-cost loan service. Tom Cooper, director of Hamilton's Roundtable for Poverty Reduction (HRPR), says he'd like to see provincial legislation that enables municipalities to license lenders at the local level. He agrees there's more work to do on this. "At the end of the day É these services are predatory by nature and they'll continue to take a

By Graeme MacKay, Editorial Cartoonist, The Hamilton Spectator – Friday December 11, 2015

Payday loan industry comes under microscope

The province is moving to protect vulnerable people from cash stores and collections agencies — but a local councillor calls the efforts “half-hearted.”

Saturday, December 6, 2014If passed, new legislation by the Ontario government promises to increase protections under the Payday Loans Act, Consumer Protection Act and the Collection and Debt Settlement Services Act. The aim is to provide safeguards such as a cap on the rates charged by cheque-cashing services, a grace period for repayment for customers of rent-to-own services and reasonable costs for optional insurance on instalment loans.

It would also offer longer repayment periods for repeat payday loan borrowers, and expanded rules against unfair collection practices from businesses that purchase and collect overdue debts.

By Graeme MacKay, Editorial Cartoonist, The Hamilton Spectator - Friday September 11, 2015 Hamilton looks to crack down on payday loan industry Hamilton councillors unanimously approved a motion seeking from the province the ability to limit the locations of payday loan and cheque cashing outlets, while also strengthening the Payday Loans Act. ÒThis is predatory economic violence,Ó said Ward 3 councillor Matthew Green, who introduced the motion at councilÕs Sept. 9 meeting. Ò(They) are targeting our most vulnerable, indebted people. ItÕs legalized loan sharking.Ó GreenÕs motion targeting the industry, which was revealed earlier this summer, includes forcing these businesses to post their rates on their walls, provide information about debt counselling, and having Hamilton staff identify all the payday loan businesses in the city. Also contained in the motion was a request to the province to toughen the Payday Loans Act. The act regulates the industry allowing outlets to charge $21 for every $100 people borrow. Green says desperate people use these businesses, and they end up having to go to another payday loans outlet to pay the loan of the first one. ÒThis is usury, this is criminal,Ó said Green. ÒIÕd love to see (the places) outlawed.Ó Tom Cooper, director of the Hamilton Roundtable for Poverty Reduction, says municipalities need the power to regulate a business that is taking advantage of vulnerable people. ÒWe deem the industry as predatory in nature because its practices and slick marketing campaigns lure vulnerable consumers into transactions where there is nowhere else to turn in a financial crisis,Ó said Cooper. Based on the payday industryÕs own information, for every new customer loan, 15 are repeats, said Cooper. Stan Keyes, president of the Canadian Payday Loan Association, headquartered in Hamilton, stated in an email letter sent to councillors Sept. 8 that Òcouncil should not pass bylaws to ban industries providing services that consumers d

But Ward 3 Coun. Matthew Green says the legislation “doesn’t go nearly far enough in terms of really tackling the core elements and the predatory nature of this industry.”

There are 813 licensed payday lenders in Ontario — more than there are McDonalds restaurants. Roughly 35 of those are in Hamilton, according to the ministry’s online database.

For starters, Green wants to see the “ridiculous” interest rates on payday loans slashed.

Green put forward a motion this summer to limit and regulate these stores at a municipal level, which would have made Hamilton the first city in the province to do so.

Friday July 26, 2013Staff is now looking into the feasibility of that.

In the meantime, he and a working group made up of local agencies, including credit unions, are actively researching a model for a market alternative low-cost loan service.

Tom Cooper, director of Hamilton’s Roundtable for Poverty Reduction (HRPR), says he’d like to see provincial legislation that enables municipalities to license lenders at the local level.

He agrees there’s more work to do on this.

“At the end of the day … these services are predatory by nature and they’ll continue to take advantage of people who run into desperate financial situations,” he says.

According to a survey of 500 Ontario payday loan users earlier this year, more than half of the borrowers surveyed said they are using the service for recurring expenses, not crisis situations.

Of those surveyed, 27 per cent reported making less than $30,000 a year. (Source: Hamilton Spectator)

Thursday December 10, 2015

By Graeme MacKay, Editorial Cartoonist, The Hamilton Spectator - Thursday December 10, 2015 Who could have predicted these problems for the Liberals? Absolutely everyone (By John Ivison) Who could have predicted the Liberal plan to raise taxes on top earners would not pay for a $3.4-billion cut for the middle class? Who could have forecast that the Liberal pledge to withdraw fighter jets from Iraq would rupture relations with the Americans? Apart from absolutely everyone, that is. Justin TrudeauÕs first Question Period as prime minister was a miserable affair for the government, so exposed is it on two policy positions that never made any sense Ð beyond being blatant political bait for voters so hungry for change they were prepared to swallow any mendacity. Bill Morneau, the finance minister, conceded in a late afternoon press conference that reducing the middle income bracket tax rate for nine million Canadians, while simultaneously raising the rate for the 319,000 taxpayers earning more than $200,000, would not be Òrevenue neutral,Ó as the election platform had claimed. The tax cut will amount to an average cut of $330 for individuals and $540 for couples Ñ which is welcome relief. But there must be serious doubts about the affordability of the measure Ñ something the Liberals would have known, even as they sold it as a wash financially. The day the proposal was released in early May, the CD Howe InstituteÕs research director, Alexandre Laurin, told me the tax package would never pay for itself. Experience in other jurisdictions such as the U.K. showed that tax receipts fall because people find ways to reduce their taxable income. He released a paper to that effect last week, suggesting the new income tax rate of 33% would yield less new revenue than the Liberals had suggested. The government admitted as much Monday, saying the new tax changes would cost a net amount of $1.2 billion a year for the next five years. Morneau has already given a fiscal upda

By Graeme MacKay, Editorial Cartoonist, The Hamilton Spectator – Thursday December 10, 2015

Who could have predicted these problems for the Liberals? Absolutely everyone

(By John Ivison) Who could have predicted the Liberal plan to raise taxes on top earners would not pay for a $3.4-billion cut for the middle class?

Who could have forecast that the Liberal pledge to withdraw fighter jets from Iraq would rupture relations with the Americans?

Apart from absolutely everyone, that is.

Justin Trudeau’s first Question Period as prime minister was a miserable affair for the government, so exposed is it on two policy positions that never made any sense – beyond being blatant political bait for voters so hungry for change they were prepared to swallow any mendacity.

By Graeme MacKay, Editorial Cartoonist, The Hamilton Spectator - Thursday November 5, 2015 (James Mennie column) When you consider weÕve just come through a federal election campaign where the selfie proved itself a legitimate and highly effective political tool, it wasnÕt surprising this weekend to see Justin Trudeau, the undisputed winner of that campaign, proving once again he is the most photogenic prime minister designate in recent Canadian history. If you missed it, the Trudeau familyÕs trick or treat theme on Saturday night was rather eclectic, Mom and Dad going with a generic Star Wars look while the two older children opted for your standard Disney princess and sword toting bird ensemble while the youngest (the choice presumably made for him) was led from door to camera-crew-surrounded door as a Ninja Turtle. Given that Trudeau had already tweeted a Happy Halloween message and family portrait to his 932,000 followers, the images flooded social media and the comments seemed for the most part to be positive, many of them expressing delight at the countryÕs being led by so down to earth and happy looking a family. And when you consider that even the crustiest, most hard bitten political analysts have acknowledged that TrudeauÕs message of hope and positiveness pretty much cut Stephen HarperÕs campaign to ribbons, itÕs a pretty safe bet the optimistic glow engendered by the Liberal victory on Oct. 19 will continue beyond the swearing-in ceremony for Trudeau and his first cabinet scheduled for Wednesday. That said, IÕm not entirely sure that glow will still be around by, say, Christmas. And the reason I suspect TrudeauÕs national honeymoon wonÕt survive 2015 is that the selfie taking, Star Wars loving, YouTube dancing, drama teaching, musketeer mustachioed candidate- the guy who actually won this thing Ð will, by sheer political necessity, cease to exist once the words ÒSo help me GodÓ have left his lips on Wednesday. The transformation wonÕt be due to pr

Bill Morneau, the finance minister, conceded in a late afternoon press conference that reducing the middle income bracket tax rate for nine million Canadians, while simultaneously raising the rate for the 319,000 taxpayers earning more than $200,000, would not be “revenue neutral,” as the election platform had claimed.

The tax cut will amount to an average cut of $330 for individuals and $540 for couples — which is welcome relief. But there must be serious doubts about the affordability of the measure — something the Liberals would have known, even as they sold it as a wash financially.

The day the proposal was released in early May, the CD Howe Institute’s research director, Alexandre Laurin, told me the tax package would never pay for itself. Experience in other jurisdictions such as the U.K. showed that tax receipts fall because people find ways to reduce their taxable income.

Wednesday, December 11, 2013He released a paper to that effect last week, suggesting the new income tax rate of 33% would yield less new revenue than the Liberals had suggested.

The government admitted as much Monday, saying the new tax changes would cost a net amount of $1.2 billion a year for the next five years.

Morneau has already given a fiscal update suggesting that slower than expected growth has turned a forecast surplus this fiscal year into a deficit of $3 billion, before any Liberal campaign promises are factored in.

The new government had pledged that it would rack up deficits of $25 billion over three years, before returning to surplus in 2019-20. (Continued: National Post)

Published in the Winnipeg Free Press, Friday December 11, 2015

Published in the Winnipeg Free Press, Friday December 11, 2015

 

Wednesday December 17, 2014

Wednesday December 17, 2014Editorial Cartoon by Graeme MacKay, The Hamilton Spectator – Wednesday December 17, 2014

Denmark challenges Russia and Canada over North Pole

Denmark has presented a claim to the UN, arguing that the area surrounding the North Pole is connected to the continental shelf of Greenland, a Danish autonomous territory.

Foreign Minister Martin Lidegaard said it was a “historic and important milestone” for Denmark.

Wednesday, December 11, 2013Canada and Russia have already asserted their own sovereignty over the energy-rich Arctic territory.

Arctic nations have agreed that a UN panel will settle the dispute.

The focus of the dispute is the Lomonosov Ridge, a 1,800km-long (1,120 miles) underwater mountain range that splits the Arctic in two.

Back in 2008, a US Geological Survey report estimated that as much as 22% of the world’s undiscovered and recoverable resources lay north of the Arctic Circle, but the North Pole itself is unlikely to have much oil or gas beneath its deep waters.

The 21-member panel investigating the competing claims to the pole will have to decide whether the scientific evidence put forward is valid. If the claims overlap, the relevant states will then have to negotiate, the spokesman said.

Mr Lidegaard said data collected since 2002 backed Denmark’s claim to an approximate area of 895,000 sq km (346,000 sq miles)- roughly 20 times the size of Denmark – beyond Greenland’s nautical borders.

Denmark, along with Russia, Norway, Canada and the US said in 2008 that the territorial dispute should be settled under the United Nations Convention on the Law of the Sea.

After ratifying the convention, a country has 10 years to submit a claim to extend its continental shelf beyond 200 nautical miles from its borders. Canada expressed formal interest last year, and Denmark’s deadline is about to run out.

Jon Rahbek-Clemmensen of Denmark’s Syddansk University said the government in Copenhagen had staked its claim, partly to show the world that Denmark could not be pushed about, but also to prove a political point to the people of Greenland. (Source: BBC News)

 

Saturday, November 30, 2013

Saturday, November 30, 2013By Graeme MacKay, The Hamilton Spectator – Saturday, November 30, 2013

The Top Christmas Holiday Specials

In 2011, the website What To Do With The Kids polled its followers and asked them to give their list of the top Christmas or holiday movies or television sShows that the whole family can watch. The list was well-received and judging by the feedback, very popular.

Two years later, however, they decided to go to their followers again and there has been a shift in popularity of some of those classic movies.

Christmas-cartoon

Available for purchase

It seems that black and white movies are now out. Many parents suggested that once the movie started, the kids would complain about the color, or lack of it. Many families have said that although they enjoyed watching the old black and white movies in past years, they tend to agree with their kids that it has very little appeal today.

The Frank Capra classic “It’s a Wonderful Life” dropped from second to third place while “Miracle on 34th Street” went from a tie in fifth to a tie for eighth place. “Miracle on 34th Street” fell off the list.

Animated features are as popular as ever but many adults commented that they were not able to watch them on regular television as they normally would because of their busy schedules so they opted to purchase a copy on DVD. Many parents commented that they had purchased DVD or Blue Ray versions of their favorites but made an effort to only bring them out during the holiday season.

Ron Howard’s “The Grinch” went from honorable mention to a tie for number six faster than a runaway sled pulled by a little dog while “A Christmas Story” was shot off the list (by a BB gun) all together.

Most respondents however had said that they still do get the family together to watch at least one holiday movie.

With over 1,400 entries, What To Do With The Kids® presents the updated Top 10 Family Christmas/Holiday Movie or Television Shows:

1. “How The Grinch Stole Christmas” (1966 – Animated) – (#1 in 2011)
2. “The Polar Express” (2004 – Animated) – (#8 in 2011)
3. “It’s A Wonderful Life” (1946) – (#2 in 2011)
4. “Rudolph The Red Nosed Reindeer” (1964 – Animated) – (#6 in 2011)
5. “Elf” (2004) – (Not ranked in 2011)
6. “A Charlie Brown Christmas” (1965 – Animated) – (#4 in 2011)
“The Santa Clause” (1994) – (Not ranked in 2011)
“Frosty the Snowman” (1969 – Animated) – (#7 in 2011)
7. “The Grinch” (2000) – (Not ranked in 2011)
8. “Miracle on 34th Street” (1947) – (#5 in 2011)
9. “National Lampoon’s Christmas Vacation” (1989) – (#8 in 2011)
10. “A Muppet Christmas Carol” (1992) – (#10 in 2011)

Movies that are no longer on the list: “A Christmas Story (1983) – (#3 in 2011); “A Christmas Carol (1951) – (#5 in 2011); “White Christmas” (1954) – (#7 in 2011); “Home Alone” (1990) – (#9 in 2011) (Source: Staten Island Advance)