Home Despot, iPhones, and #theBestFin4TheWeek

Home Depot lost my personal information, so now I got free Equifax? I still don’t think it’s a fair trade. Reminds me of a bad joke by Henny Youngman:

Someone stole all my credit cards, but I won’t be reporting it. The thief spends less than my wife did.

That’s not very funny any more, but at least it’s topical? Oh, and remember it is not just Home Depot card users that are hit with the data breach, it is anyone who used any credit card in a Home Depot in the past few months.

Old Cell Phone

Not a Photo of the new iPhone.

The new iPhone 6.0 is out and everyone is flocking to the Apple Store to be the first one in line to have one of these technological marvels. It has more computing power than all the computers on the Apollo space mission, but can I figure out how to turn off Bluetooth, WiFi, Notifications and keep it from running up a huge data bill? This is the question I would like answered! (Yes, I know how to do this, but it is not as easy as you might think). Hipsters are flipping their straw hats in Starbucks, whilst sipping their Hot Frappucinno Skinny Lattes over this new piece of Marketing-ware. I am sure I’ll end up with a newer phone some day, but I have just spent 2 weeks making Apple repair my “Sleep Button” and “Battery” recall issues on my iPhone 5.0, so I will be happy with the old technology I have.

Yesterday was the 13th  anniversary of a day that changed the world, to me it seems still very brilliant in my fading memory, the day, where I was, how the day transpired, but let us hope for a better day today.

My Writings for Week Ending September 12th

Autumn leaves are appearing here, and there soon will be a chill that only means one thing, the Fall is coming.

  • In your financial life there are plenty of Questions, but what if I gave you the Answer could you figure out the Financial Question Associated with it?
  • Nothing in life is Free, and my Free Equifax subscription came at a steep cost, as you can read about in Free is a Good Price (but sometimes is still too expensive).
  • The new iPhone 6.0 is causing the normal amount of Hoopla with the Apple Hipster crowd, so I figured I’d join in with Apple Pay and Near Field Communication, so now you can use your phone to empty your bank account (and surprisingly not on Cell Phone Fees (only)). What security problems could there be? This is Apple, think how safe all those dodgy celebrity photos were in the Cloud?

Scotia Bank Value Visa

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Back to school, for most folks this week (although many folks already were back last week). The stores are abuzz with folks looking for loose leaf paper, HB Pencils, and the coolest new Beatles Pencil Case (OK maybe I am a little out of touch on this new generation).

The Dutchie

Bring Back the Dutchie, Burger Hortons!

I welcome Tim Burger King or Burger Horton’s or whatever the new Canadian Super Fast Food monster will call itself. I am astounded to hear that it is cheaper to run a business in Canada than it is to run in the U.S., but if we become a Tax Haven for our rich cousins down south, then so be it! Maybe they will bring back the Dutchie !

Since I grew past 6 feet tall, I have never really fit into any mass transit situation (sitting at least), so when I saw the stories about the Knee Defender I was tickled pink to hear someone was thinking about we tall folks and how we don’t really fit in the tight spaces created in Airplanes.  Is it rude to stop the person in front of you from reclining into your lap on an airplane? Maybe, but speaking as someone who has been at the mercy of airlines for many years (space wise) I would buy one of these in a heartbeat if I was traveling for more than an hour on an airplane.

I have been fiddling around with Emojis and where they might fit best. From what I can tell they can be useful for things like the Twitter machine, but in day to day posting I can’t see a great need to have this ☠ or 🚾 in most things I write, however, in social media I do see a use for things like : 💳 💸💰 or 💱 where you are looking for quick and shorter messages. If you find them annoying, it is me simply trying to get the message to you faster and more graphically.

I gave blood last week as well, and now have been selected to be a Blood Platelets donor as well.
Give Blood This Year

My Writings for Week Ending September 5th

A full week of writing this week for the first time in a few months, seems I had a lot to say this week.

  • It is important to always celebrate the workers control of the means of production and thus we had Happy Labour Day 2014
  • Will I ever stop writing about RESPs? Not for a few more years that is for sure, and this year we have RESP Another Year of Fun, where you must remember that FUn starts with F and U
  • I am relatively docile and paranoid about investing thus I keep with relatively safe(r) investment portfolios, but I never thought my Portfolio was Too Conservative
  • In God We Trust is on the American dollar, but remember everyone else you should ask for proof, and that is at the core of Always Follow Up (Financially).

Scotia Bank Value Visa
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An eventful week at the C8j household, with young Master C8j breaking his humerus, whilst playing on the Monkey Bars at camp. It was a long process to get him fixed up, Mrs. C8j carried the brunt of the load, but now Master C8j has 4 Kirschner Wires in his elbow and a while until he gets to climb on the Monkey Bars again. This is what 9 year olds do, is what I am told by the surgeon (he says there are many of these same procedures done on kids at CHEO every year). Yesterday all I could think of was Bill Cosby’s old standup routine about the Playground (I have included it at the end of this in the Video Section), but it’s true you never see any grownups on the monkey bars!

Here is a useful like to Donate to CHEO as well.

It is in you to give

Yup, that is my arm

During stressful situations, you meet the most interesting folks, and during Master C8j’s repairs, one of the Doctors we met at CHEO, actually is a leading EBOLA doctor (why he was working in the Emergency Room of CHEO, just shows Doctors do lots of interesting things). He made one very interesting comment about the current problems in Africa, it is not as much a medical issue, as it is a Policing of Patients issue. People want to visit their family in hospital, and don’t know why they can’t, worse still the patients don’t want to be in Hospital so they keep trying to leave! Fascinating very short chat we had.

Congrats to the Canadian Women’s Rugby 15’s team for winning the Silver Medal at the World Cup of Rugby for Women. Canadian Women are tough broads (I should know, I have 3 daughters (one that plays Rugby)).

Under the “That’s Incredible” section of things, Mrs. C8j has been married to me for 27 years today, I believe that is the “You Realize, You Are Still Wrong!” anniversary, or something like that. Mrs. C8j is a patient loving woman, who has very poor taste in choosing mates, of which I took full advantage.

I gave blood this week as well, and now have been selected to be a Blood Platelets donor as well.
Give Blood This Year

My Writings for Week Ending August 22nd

Given all the excitement down at the Big C8j Hacienda, didn’t get a lot written this week (and I am on vacation next week too), but I did get a couple of good ones in, for your reading pleasure, Good Reader.

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This week Robin Williams decided he couldn’t deal with the inner demons (or Parkinson’s Disease, evidently) he had, and ended his life. Everyone has choices in life, but if you are having these thoughts, please go get help before you make any final decisions.


More likely the photo used if I am ever mentioned in the Media (Cranky Old Guy)

The ALS (Amyotrophic lateral sclerosis ) “folks” in the states seem to have found a viral shtick that is catching on and that is the Ice Bucket Challenge. It seems many celebrated folks are dowsing themselves with Ice Water to show their support for folks suffering from ALS (if you click on the Ice Bucket Challenge link, you’ll get to where you can donate to the ALS Canada organization). ALS (to me) is the most frightening disease out there, and when they find a cure, I will celebrate.

The #IfTheyGunnedMeDown movement in the states is an interesting commentary on the media’s portrayal of minorities. I am confident if I am mentioned in the news in some fashion it will most likely be a very unflattering photo, but I am curious to see if the media changes their use of Social Media to find unflattering photos for folks in News stories?

Give Blood This Year

My Writings for Week Ending August 15th

Lots of rain in Ottawa, and a chill in the air that is reminding us there are only 19 more Fridays ’til Christmas!

  • Stats Canada’s news last week about Moribund Job Growth in Canada, underlines the problem that this economy seems to be creating a large number of part-time jobs, but not enough full-time jobs. Will Part-Time become the new norm in this economy?
  • Even though we have had the TFSA for a while folks are still having problems getting the hang of the TFSA Two Step, the important factor to remember is that it is not like a regular savings account, so read the rules carefully.
  • I got to meet with a Financial Planner when I was laid off from Nortel, and I did write about it 6 years ago, so I figured it was time to do a Financial Planner Retrospective, given I now have 20/20 hindsight to rely on.

Scotia Bank Value Visa
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It is 100 years since the “War to end all Wars” started, and I continue to learn more about this period in history. I had not realized the number of men (and women) that died in the war, and didn’t really comprehend the horrendous conditions that the soldiers (on all sides) fought under. I seem to know a great deal more about the 2nd World War, however, I am embarrassed about how little I know about a war that devastated an entire generation (over 16 million soldiers and civilians died). The fact that 21 years after it, another “War to End All Wars” erupted only strengthens my view that humans are a dumb species (myself included).

Evidently the Russian Mob (or Russian hackers) most likely now have one of your e-mail passwords, might be time to think up a new one, and maybe a heuristic to change your password more than once every time someone hacks the entire web?

Ebola continues to be in the news, I am not sure if I am in a full panic about it yet, but I do wonder if this is worse than we are being told, and things are starting to get a little out of control? The fact that a major US City (Toledo) had a toxic water supply, is another interesting environmental episode this week as well. Wonder if this is Mother Nature finally saying, “You know Homo Sapiens, you have been around long enough”?

My Writings for Week Ending August 8th

It was a shorter week this week, in Ontario we celebrated the Anonymous Long Weekend, next long weekend has a name at least (i.e. Labour Day).

  • How do you celebrate a holiday with no name? Who knows, but I did poke fun at it with Happy Civic Holiday.
  • Mike Tyson seems like an odd foil for Financial Advice, but his statement is prophetic especially for finances, “Everybody got a plan … until they get hit
  • Living beyond your means seems to be the raison d’etre of an entire generation, so Lifestyle Creep really is aimed at the new lost (money) generation.
Birds Series $100 – front / Billet de 100 $ de la série Les oiseaux – recto

My Kind of Specimen
(Courtesy of the Bank of Canada)


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