Wednesday April 15, 2020

April 22, 2020 by Graeme MacKay

Editorial Cartoon by Graeme MacKay, The Hamilton Spectator – Wednesday April 15, 2020

After Mocking ‘King’ Trump, Cuomo Says Virus Should Be ‘No-Politics Zone’

Since the coronavirus began to ravage New York, Gov. Andrew M. Cuomo has used a fine mix of outright flattery and back-room diplomacy to draw down a variety of federal support, preaching nonpartisanship while mostly avoiding direct attacks on President Trump.

Marvellous Maps

In a span of about 24 hours this week, however, Mr. Cuomo, more typically known for his bruising political style, appeared to return to his roots.

In a frenzy of television appearances on Tuesday, Mr. Cuomo urged the president to avoid being “dictatorial.” He said on CNN that Mr. Trump’s coronavirus response had been “schizophrenic.” About 30 minutes later on MSNBC’s “Morning Joe,” he compared the president’s daily briefings to “a comedy skit,” while saying no governor should watch them because “there’s no value in it.”

Mr. Cuomo’s comments were prompted by Mr. Trump’s unsubstantiated claim during a White House news conference on Monday evening that he had “total authority” over the states when it came to reopening the economy.

That claim was quickly rebuked by several governors, including Gov. Larry Hogan of Maryland, a Republican who heads the National Governors Association. But it was Mr. Cuomo who used the sharpest language, threatening to undo weeks of diplomacy toward the White House.

Mr. Cuomo’s shift in tone comes at a time when New York’s once-urgent need for immediate resources from the federal government has lessened, with many indicators showing a so-called flattening of the curve in the state.

Coronavirus cartoons

It also followed the introduction of the governor’s new coalition with his counterparts from six neighboring states to draft a plan to reopen the region’s economy — a move that displeased President Trump, whose exasperation grew Tuesday after Mr. Cuomo’s media appearances.

“Cuomo’s been calling daily, even hourly, begging for everything, most of which should have been the state’s responsibility, such as new hospitals, beds, ventilators, etc.,” the president wrote on Twitter. “I got it all done for him, and everyone else, and now he seems to want Independence! That won’t happen!”

Mr. Trump followed up with another post in which, referring to the film “Mutiny on the Bounty,” he compared the governors’ coalition to mutineers turning on their captain.

But given a chance to respond at his daily news briefing later Tuesday morning, Mr. Cuomo, a third-term Democrat, held back, repeatedly saying that he did not want to argue with Mr. Trump.

“The president was clearly unhappy,” Mr. Cuomo said, noting the “Mutiny on the Bounty” tweet and other remarks by Mr. Trump, who he said “was clearly spoiling for a fight on this issue.” (New York News)

Every cartoon idea starts with an ugly rough sketch

Wednesday December 20, 2017

December 19, 2017 by Graeme MacKay

Editorial Cartoon by Graeme MacKay, The Hamilton Spectator – Wednesday December 20, 2017

Payday lenders squeezed by new regulations

After more than two decades in the payday-loan industry, Anthony Piet faces his most difficult year in the business.

February 16, 2017

Mr. Piet operates eight Money Mart franchises sprinkled across Canada, located in small towns such as Banff, Alta., and Timmins, Ont. Legislative changes in numerous provinces – including Ontario, to take effect on Jan. 1 – have squeezed payday lenders, in particular smaller players such as Hamilton-based Mr. Piet. New rules reduce how much they can charge and put restrictions on lending.

“Tough,” says Mr. Piet of his 2018 outlook. “Really tough.”

December 11, 2015

The much-maligned payday-loan industry sells short-term loans at a high cost, mostly to lower-income Canadians. If a person doesn’t have access to credit, but is short on money in between paycheques and needs to cover something essential, such as the hydro bill, a lender such as Money Mart is an easy and fast place to get cash. The loans are generally repaid quickly, but the fees, which long stood at more than $20 for every $100 borrowed, added up to an annual interest rate of 500 per cent and more.

December 6, 2014

Provinces across Canada have tightened the rules that govern the industry. Payday lenders insist they provide an essential service, but they have been widely criticized for exploiting vulnerable customers and charging too much. Now they say their margins are being squeezed so badly that they’re fighting for survival.

September 11, 2015

The number of payday lenders operating in Canada has been on a downward trend for several years, in part because of the new legislation. In 2017, there are an estimated 1,360, down 5 per cent from 1,434 in 2015.

For Mr. Piet, with one Money Mart in Alberta, he has taken pragmatic measures. He has reduced hours of operation, cut advertising and pulled back on community contributions. He called his Banff store’s future “tenuous.”

In Ontario, where his Money Marts are in Timmins and Simcoe, Mr. Piet doesn’t feel the new rules in the province foretell looming closures but feels like he is in a vise as he draws up budgets for the coming year. “Everything is under the microscope,” he said. (Source: Globe & Mail)

Friday September 11, 2015

September 10, 2015 by Graeme MacKay

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.

“This is predatory economic violence,” said Ward 3 councillor Matthew Green, who introduced the motion at council’s Sept. 9 meeting. “(They) are targeting our most vulnerable, indebted people. It’s legalized loan sharking.”
Green’s 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.

“This is usury, this is criminal,” said Green. “I’d love to see (the places) outlawed.”

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.

“We 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,” said Cooper.

Based on the payday industry’s 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 “council should not pass bylaws to ban industries providing services that consumers demand.”

He said the province does enforce the existing regulations, including levying fines, and revoking licenses “which they have done with non-compliant lenders.”

Keyes, a former Liberal MP, stated the industry is already heavily regulated since 2009. In 2012 there were 42 outlets in Hamilton, now there are 34. (Source: Hamilton Spectator)