Posted in Community, family, government, Life, money, Parenting, politics, Toronto

Ontario Election 2018: Thoughts

Don’t we tell our children to go to school, work hard, get good grades, go to University, work hard, get good grades, graduate, and then with all that effort and knowledge, they can make as much money as they want?

With tax rates shooting up under the Ontario Liberal government and set to go up even more under the NDP government, if elected, do we really want to tell that to our kids any more?

Or should we clarify or amend that for 2018 and beyond to something more like this;


Go to school, work hard, get a solid education then go to University or College, and get a better education then go out and make a ton of money because if you make a lot, you’re going to be paying more than everyone else in taxes, and you’re ambition, skills and success are needed to pay back a massive debt and deficit that previous generations of government have created so that they could stay in power.

Congratulations, future generations!  The future is here and your earning power is needed more than ever to pay for mismanagement of financial resources and bad spending.

Earn more, and pay more.

Where is the incentive?

It’s likely there will be parents telling their kids that the sweet spot is now $42,000 in Ontario.  Under $42,000 and you pay 5.05% in provincial tax.  Earn more, but don’t report it.  Or don’t earn it and let those foolish ambitious people pay almost 3 times what you do in tax for earning less than 3 times what you make.

The system is broken.

And if another person tells me that “balancing the budget is not that important”, I’m going to lose it.

I’d like that person to run their household the way the Liberals ran this province and the way the NDP would run the province for just one year and see what they’ve got at the end of the year.

It won’t be a guaranteed job, with a guaranteed salary.  It’ll be bankruptcy or homelessness.

What ever happened to not purchasing what you cannot afford to pay for??



Posted in Life

Liberal Majority Government, Stephen Harper Resigns! I Hope the Tax Increases Are Worth It, Canadians!!

Well, Justin Trudeau and the Liberal Party of Canada are forming the next government of Canada – a Majority government, no less.

Stephen Harper has resigned as leader of the Conservative Party of Canada.

I cannot help but feel deep down inside that there was so much hatred directed at the Prime Minister and that people voted to remove him from office and chose the Liberals over the NDP to do so.

Unfortunately, the electing of the Liberal Party also brings with massive debt and after the spending spree the Liberals intend to go on, the deficit is going to increase at a rapid rate, and as we all know, the Liberals need money to pay for their promises and that money comes from you and I, the taxpayers of Canada.


I hope the desire to remove Harper is worth the headaches we’ll be suffering with Justin in command, and I’m not just talking about their out-of-control spending.

Here are some great Justin oops which hopefully will not be occurring as leader of the country;

Unlike Ontario Premier Kathleen Wynne who has made MANY mistakes but covered them up with flat denial, avoidance and threats of lawsuits, Justin Trudeau has not appeared to understand the importance of thinking before he speaks.

During the controversy surrounding Bill C-51 – a bill where by the Canadian Security and Intelligence Service (CSIS), and 17 other government agencies are granted the authority to combat threats to Canada’s national security, preferably without infringing on Canadians’ Charter of Rights and Freedoms, the Liberal leader who voted for the Bill, has now admitted that his support for the Conservatives Bill might have been a mistake…

During the Maclean’s Magazine leaders debate, Trudeau responded to the conversation around the Liberals’ support of C-51, with these four words: “Perhaps it was naive.”

Here is how he voted on the Bill;

To give Trudeau the benefit of doubt, it was a tough decision to make, I’m sure. I heard him stumble and bumble over the easy questions about which shampoo he uses and which Avenger was his favourite, so maybe this way just a difficult question for him to answer.

He does like to go (vote) with the crowd… He He knows legalizing pot is popular with the kiddies.

He knows taxing the “rich” or the “1%” is popular with the other 99% of Canadians, and he knows that increasing spending to get stuff done is super-popular… It’s Christmas in October and that pony you have always wanted?!? Guess what? Justin’s getting you one. Just vote for him and tell your friends!

Oh, and the 1%… Who are these awful rich people who get all the tax breaks according to Trudeau?!? In Canada the highest Federal tax paid is 29% for those making over $138K per year. Add that to the provincial rate, and in Ontario, for example, someone making over $138K can pay over 42% of their income in tax. ( Are these the people he will be targeting? Or, is Justin going after the REALLY rich people who based on very basic mathematics make the most money, but also pay the most back in taxes!

Trudeau believes small business owners create small businesses as a vehicle to hide their massive incomes. Doesn’t every 1%’er want to have to deal with the Canada Revenue Agency on a daily basis, be responsible for the income of their employees and paying taxes to keep the economy ticking so the Liberals can come in to power, increase taxes and call them frauds… Don’t think so.

I believe in discussing facts, so I went to the Liberal Party of Canada’s website, to the link for “My platform”, to make sure I presented his promises in a fair and reasonable manner. Unfortunately, because I was unwilling to click that I would be / or might be voting for Justin, I was not able to get in to the secret Liberals playground. Instead, I had the option to use a search option to add what I want from the Liberal Party.

I entered this; “Fiscal responsibility, Responsible spending, Respectful spending, Respect for Taxpayers money, Lower taxes, Do not raise taxes, accountability for words and actions.”

The search engine was not able to find a match for any of these items in the Liberal’s platform!

Oh my.

Deep down inside, I feel that the Liberals and their leader know that only in Ontario will citizens tolerate out of control spending and corruption by continuously voting in the same government which increased taxes, delisted services and has caused absolute chaos with teachers and soon doctors.

When Trudeau said, “The budget will balance itself”, he believed it.

He also has very poor judgement. He accepted Conservative hand-off Eve Adams, who was being dropped by the Conservative party, and who then lost her nomination bid to Marco Mendicino. Where was the questions surrounding his judgement as has happened to Stephen Harper regarding his appointment of Mike Duffy and Pamala Wallin to the Senate.

Trudeau also publicly mistook Russia’s opposition leader Boris Nemtsov (who was shot dead in Russia) with former Russian Prime Minister Mikhail Kasyanov (whom he had met with), in a press release.

Or when he called a Conservative member a “Piece of Shit”, then went on a potty mouthed tirade where you can see that he actually enjoyed it without thinking for a moment about the implications down the road (

So much like his Dad…

Or, when being interviewed on Les francs-tireurs, Trudeau said, “Canada isn’t doing well right now because it’s Albertans who control our community and socio-democratic agenda.”

He also said Canada would be better served if there were more Quebecers than Albertans in charge.

Trudeau did apologize, and then tried to explain away his thoughtlessness by saying he didn’t hate Albertans but that his comments were directed the Prime Minister, Stephen Harper, who rose to power as an MP from Calgary, which he really thinks makes it all okay…

But he doesn’t just hate Alberta… He hates all of Canada, except Quebec. As a MP, Trudeau told Radio Canada; “I always say, if there came a point where I thought Canada really was Stephen Harper’s Canada … maybe I’d consider making Quebec a country. Oh yes. Absolutely. I know my values very well even if I no longer recognized Canada.”


There is even a story – recently removed from the Internet – where Justin Trudeau declared that if aliens came from outer space, they would have the same rights as human beings, and would be granted Canadian citizenship…

Now I’m sure that the puppeteers pulling the strings of Trudeau are in full spin control, teaching Justin how to correct his oopsys and explain that clearly each and every comment has been taken out of context or manipulated by the evil Right-Wing media in Canada – wait, we don’t have that option so much anymore – then it must be Stephen Harper’s fault for forcing Justin to speak this way.

He’s young… ish.

He’s hip… ish.

He’s trying to keep up with the success of Ben Mulroney, but he’s just going tp promise himself into a corner and ask every Canadian to Ben Dover.

On October 19th the Canadian public have made a choice, and I have a few words for voters in Canada… Cavete Emptor. Let the buyer beware!

(Geez, even Stephen Dion was elected!)

Posted in politics

Ontario Election Wrap-up – Topical all these months later…

I found this draft post sitting in my folder which I meant to post it but probably left because I was so dismayed at the size of the mistake that folks in Toronto made for the rest of the province of Ontario by re-electing Dalton McGuinty’s Liberal government.

So instead of deleting it, I read it over and decided to post it now.  I have come to realize that while I am not a political pundit in any way, nor am I a prognosticator, I try to be informed and I do my research so below is what I knew and felt at that time.  Have a read and tell me how true a lot of it is…

The post:

Here is my Ontario election wrap-up, urban daddy style.
First of all I want to thank the nearly 1000 people who googled “who do I vote for in the Ontario election” and came to my blog on election day. I hope you read what I wrote and it made sense. I was not endorsing the Ontario Conservatives party blindly as a life long conservative, but I felt like I really presented some key facts, not opinions, which seemed to me to be a whole lot of common sense.

I looked at the previous 8 years of Liberal rule in Ontario and I found;

Logo of the Ontario Liberal Party from 2002 to...


An eHealth scandal in which the minister in charge fled and tried to become Mayor of Toronto

Sex Education being taught to kids in grade 2.

“Smart” meters resulting in higher hydro charges

Green energy act

Wind Mills

Another rise in the minimum wage, this one pushing it up to $10.25/hr

Delisting of health care items like chiropractic and physio therapy when our population is aging and are going to need these services.

A whole lot of broken promises

The list goes on.

But after going through yet another Provincial election where voters in Toronto blindly voted red, I awake to the same old and I’m not feeling warm and fuzzy about Ontario. Already this morning, one day after that election news media is reporting that the unemployment rate in Ontario has gone UP.  Ontario is fast becoming a have-not province. Yet another finger pointed at Dalton and Co.

But before I continue, I also want to thank WordPress,, for adding me to the list of of Blogs of the Day – the Fastest Growing Blogs on I really appreciated that!

So let’s take a look at some people who were re-elected for the Liberals.  This is a telling sign for me because if I’m voting for a policy, or a plan (recall: I did vote for notorious left-wing councillor Joe Mihevc as he appeared to be giving my riding what it needs) I have plenty of reasons to support my decision… So I’m not a 100% conservative die-hard. I do look at other factors and vote that way.

I don’t think voters in Toronto know who they elected and I’ll bet if I stood on a street corner and asked questions of the voters they would have no idea.

For example, did you know that;

Monte Kwinter who won in York Centre… Again, has been the MPP in that riding since 1985. 26 years. Monte, bless him, is 80-years-old. Think he’s in touch with the new generation of have-nots coming out of University expecting jobs, and a lifestyle like their parents currently have?  Probably not.

What about Mike Colle? He’s been in office since 1999. He was born in 1945, so that makes him a 66-years-old. Is this the future of the Liberal party of Ontario? Yet these guys got in easily because the older voters recognize the names, see the pretty pamphlets and just robotically fill in “Liberal” at the ballot box.

The reason I bring these gentlemen up is not to pick on people for their age. I’m 40, and if I ever chose to run in an election would be doing so later in life, but I know first hand having been in Colle’s riding, beside Kwinters and in the riding of Dr. Eric Hoskins, that these people are invisible to Torontonians. They show up at election time with pamphlets and because they know there are going to get elected.  The rest of the time, you could ask 50 people on the street who their MPP is and I’ll bet you 48 of then shrug their shoulders. It’s ridiculous.  Invisible.

What’s worse is that by re-electing McGuinty, voters are signing up for more taxes, more user fees and at some point Dalton has to realize that he cannot keep spending, errr, wasting money on stupid projects because the taxpayer is not going to be able to pay for this year over year… Money is tight and once people realize the waste and cuts and costs they’re going to flip out ala the anti-Rob Ford, anti-Stpehen Harper rhetoric in the news every day.  So either taxes are going up, or more cuts will be coming, and based on Dalton’s need to have a high minimum wage, I’ll bet he de-lists more items from OHIP.  That’s easy, right?  Or more user fees (fancy description for taxes). 

Let’s just hope he makes the right choice when the City comes to him for subway funding and cough up a ton to create lots of subways and bring Toronto into the 20th century.  I doubt that will happen, to be honest.

He’s just not that good of a leader.

But hey, you guys voted for him!  Enjoy.  Just hope you don’t need a hospital…

Remember, when the Conservatives suggested a two-tiered healthcare system all the people freaked out.  Well Ontario, it’s here and not by the Conservatives, but brought in by the Liberals.  Now I see why they refuse to fund IVF… It would save the system money year-over-year.  Liberals can’t save money.  It’s not the way they do things.  They de-list and keep things de-listed.

I’m shaking my head.

You should be too.

Posted in family, Life, politics

So why the interest in IVF?

So after my first post on In-Vitro Fertilization the hits to my blog have been through the roof for me, however that has not translated into posted comments.  Instead I have received emails, many without links to blogs and the majority of them anonymous.  I will say that I have had some really nice, supportive comments from IVF supporters and like-minded Conservatives, and some not so nice comments from the other side – anti-IVF folks, what I suspect might be Liberals and general complainers. 

To the detractors, I say, go find something better to do.  I have made up my mind and since this is my blog, I choose the topic and I posted my opinions after doing a lot of research looking at all sides of this issue.  When looking at both sides of the coin the one thing that jumps out at me over and over again is the financial benefit to the Province and the taxpayers, should the government fundi this procedure.  If you can argue there are no cost savings, then please enlighten me.  If, however, you want to tell me we should not be interfering in G-d’s work, then please, don’t.

I have also had conversations with aspiring political leaders on the left and on the right and they both agree this needed to have been funded back in 2007 as the Liberals promised and that this McGuinty promise fell by the wayside with many other incentives the Liberals brought forward to get themselves elected.  It’s a very telling tale.

In discussing this post among people who have read this, I have been asked a few times why the interest in IVF, and I’ll tell you why.  I know a lot of families who have gone through IVF and I know many who were preparing to go through it.  In most of these cases it come up when we start talking about having kids and itgoes from there.  But the cost… $10,000.00 a treatment, really adds delays to the conversation.  That’s a lot of money and that amount is only the correct amount if it works the first time.  In cases we have known, couples have spent 5 or 10 times that amount in effort to have children.  They have taken loans, used up savings, by passed down payments on houses in order to grow a family.  That is dedication and I respect that a lot.  It just goes to show if you really want something bad enough, everything else is insignificant.

While IVF is not guaranteed to work 100% of the time, it does give couples hope that they will be able to conceive children of their own and in the cases I know about where the procedure did not work out as planned, the couples were that much more overjoyed when going through the adoption process (also VERY expensive, mind you).

So let’s take a step back and look at IVF, and why is it necessary?

As a refresher to those people who forgot grade 10 health class, or who may not know, women are born with around 400,00 eggs in their ovaries.  Once a month, during a woman’s regular cycle, her body produces hormones to grow and mature some of these eggs which nest in the wall of the uterus.  When these eggs are mature, ovulation occurs, and the egg(s) are ready to be fertilized by the male’s sperm.   If the egg(s) are not fertilized they disintegrate, and about 2 weeks after that, menstruation begins and the cycle restarts.  

What IVF does, is that medication is given to stimulate the ovaries to allow for many eggs to grow and mature.  Those eggs are then surgically removed once they are mature enough and they fertilize in a laboratory.  As the embryos grow, they are then placed back into the uterus in the hopes that they will implant and cause a pregnancy.  Not exactly rocket science, but a very scientific process.

So how many Ontarians are impacted by infertility issues?  Would you believe 1 in 6.

When Quebec recently introduced funding for up to three cycles of IVF to help create families.  It was found that this also helped reduce the number of multiple pregnancies in that province from 27.2% to 5.2% in just 6 months.  As a result, Quebec is now on track to save hundreds of millions of dollars as the number of twins and triplets in neonatal intensive care units is expected to drop significantly.

No surprise that Ontario could realize similar savings by providing OHIP coverage for IVF — between $400-$550 million in savings over 10 years.

So I’m still puzzled as to why we’re discussing this?!?

For more information I recommend you drop by Conceivable Dreams,

Conceivable Dreams, the OHIP for IVF Coalition, is the provincial voice for thousands of infertility sufferers and their supporters across Ontario. Their goal is to have OHIP coverage of IVF funded by the Ontario government as is being done in Quebec. With an election coming up right now in Ontario, now is the best time to ask all candidates where they stand on public funding of IVF.

Posted in Thursday Thirteen

Thursday Thirteen – Ontario Election Edition

Hey, an Ontario election is coming and while the media is predicting a Conservative majority (YAY) and have to come clean that I actually like Dalton McGuinty. He looks and talks like a leader. His policies… Not so great, however. He came in as Premier in a Liberal landslide in a province that only sees (saw) Liberal red and loved the fact that he ran the Daily Bread Food Bank or something like that. At the time I’m sure I made some sort of comment about electing a leader who spends their career taking from the rich and giving to the less fortunate. That got us Mayor David Miller and tons of taxes and it got us 7 years of scandal / high taxes and disrespect for the money you and I give in taxes to the province.
So this week’s Thursday Thirteen are the 13 things that will cause the defeat of the Ontario Liberal Party and get Dalton on the road to an awesome pension…

1. The HST – I was at the Canadian Tax Federation annual meeting and the lunch time speaker was Finance Minister Dwight Duncan and he explained to the group of us that even in a recession bringing in the HST Was necessary to keep Ontario competitive. I didn’t understand his motive then and I still don’t understand it now. Minister Duncan also said something to the effect of “no other party has the guts” to merge the GST and PST but he did. Errr, okay. Thanks Mr. Duncan. The HST added additional taxes to such items as Cigarettes, fast food and which was good, but there were way too many bad, such as home heating costs, gas, electricity, new homes (over $400,000 – after June 30, 2010 which was why we closed June 29th, 2010 on our new house), airfare, TTC / Go Transit / Via services, real estate agent commissions.

2. The Delisting of OHIP Covered Necessary Health Services – When McGuinty’s Liberals promised not to decrease any health services covered by OHIP, and not to raise taxes, some people bought in to it and others, like myself, raised their eyebrows in skepticism, McGuinty did not disappoint and did both by implementing the Ontario Health Premium (recall that “fee” we have to pay each year to the doctor) and the delisting coverage of Optometry, Chiropractic and Physiotherapy Services for Ontarians.

3. The Ontario Health Premium – Mentioned above, this “fee” turned out to be the highest tax increase in Ontario’s history, and it was implemented not too long after McGuinty’s Liberals took power in 2003.  I even remember him signing a contract with the Canadian Taxpayers Federation – because I was working at the CRA at the time – to not increase taxes).

4. eHealth – This program never got off the ground and cost Ontario taxpayers billions of dollars and opened our eyes to the notion of sole-sourcing and untendered contracts and how to get the best price sometimes you have to get quotes for other service providers than to Liberal friends.  Consultants were hired and even they spent money like there was no tomorrow, billing Ontarians hundreds of thousands of dollars per year while having the balls to expense a chocolate bar or a Tim Horton’s coffee.  Shame.

5. The Tire “fee” – Just another “tax” that the Liberals brought in while in power.

6. I don’t blame just the Ontario Liberals for this one, I also blame the Federal Liberal party (or what’s left of it) but when the provincial HST merged with the federal GST, instead of firing all the provincial collectors, the Liberals thought it would be a good idea to given each collector a “severance package” of $45,000 each, then given them a job with the HST department. 

7. Caledonia – Still a hotbed of criminal activity where Natives and citizens are battling for space and peace and quiet.  Last time I heard from Caledonia, militant natives had blockaded the street and neither Police or RCMP were allowed to go in and break it up.  Dalton… Everyone has right here and the people of Caledonia deserve to live in peace and quiet.  Instead you turned your back on them instead of making tough decisions.

8. Under the Liberal party, University fees in Ontario have skyrocketed to the highest in Canada.

9. Don’t even talk about auto insurance in Ontario under the Liberals.  I remember the Liberals promising to reduce auto insurance rates by 10% to be fair to families, but you know what happened here… Insurance rates in Ontario have skyrocketed.

10. The Eco-Fee – You may not have heard much about this “fee / tax” because the Liberals snuck it in with the HST but this fee was supposed to cover the cost of disposing of items that needed to be recycled but instead it never got off the ground and has cost tax payers a ton of money.

11. Let’s look at the next few items as groups relating to green initiatives; Smart meters – time of use rates, Wind turbines, hydro rates. All colossal failures. Smart meters work for my family because we do our laundry, use the dishwasher, etc. after 7pm to get the lowest rate and we have seen the benefit but from what I understand there are some people, like seniors who cannot wait for the reduced rates and them – on fixed incomes – have their energy rates go up (and HST on it too). Wind turbines, on the other hand, were an epic failure. There were grants given out for them that were much higher than the expected rate of return, they are unsafe and noisy.

12. The Federal Liberal Party was decimated. Ontario is next. The Conservatives care about your money and the NDP are just plain entertaining. That leaves no room for the Libs… Well, that and former Ontario Premier Bob Rae is their interim leader for the next 2 years. I shudder when I think about how bad the province was after Bob was forced out.

13. Sheer arrogance. I’ve heard the moniker “Teflon Dalton” go by and I think he actually believes he is unbeatable… I think the Federal Liberals felt that way too as did the Liberal who ran for mayor, George Smitherman.  Their time is up.  Time for a change.