Monday, January 4, 2010

Political Fear of the Educated and Informed

This article was published in the Moncton, NB,  Times Transcript on Jan. 04, 2010 unedited as well in the Saint John, NB,  Telegraph Journal on Jan o1, 2010, edited and finally in the Sackville Tribune Post, Sackville, NB, on Jan. 06, 2010.

Although I do not have the education, ability or the skills to properly assess the proposed sale of NB Power to Quebec Hydro to determine whether or not it will be beneficial for New Brunswick residents for the next 99 years, I do have the ability to appreciate and respect a well presented assessment by those who wish to inform us in an open and independent manner.

I specifically refer to the two very informative separate assessments put forth by Professor Donald Savoie and mathematics student Nathan Ough over the last twenty days. The reason I appreciate these types of assessments is because one can tell they have substance when the corporate leaders and politicians supporting the sale of NB Power either can’t address the issues raised in the assessments with their own valid responses or they hire out of country consultants to discredit the writers of those assessments.

By reacting in such a manner our political leaders appear to not know what they are talking about when confronted by an educated non-political independent assessment from an open point of view. They either do not have the skills to address the issues that Savoie and Ough presented and do not have the courage to admit it or they do not care what the true facts are when it comes to the actual benefits of the sale because of possible undisclosed ulterior motives.

There have been many examples throughout history that indicate everyone should remember most leaders, whether corporate or political, throughout the world are fearful of a well informed citizenry which they intend to manipulate.

This line of tactics is presently be practiced in New Brunswick not only with reference to the sale of NB Power, Savoie has indicated the concealment of the actual financial status of the entire provincial administration keeps New Brunswick residents from having a clear view of the true debt situation of the province and the affects it will have on their future.

When a person states he or she does care if they lose their jobs, which has been stated recently, because of their stand on an issue, it must mean they have already developed future plans to fall back on and have little regard for the future consequences of those issues on anyone else.

New Brunswickers should not only remember the phase “buyer beware” but also “beware of those bearing gifts”, let’s  just be sure by being well informed void of political partisanship.

Macx

WG Macx MacNichol
“The Shiretown Image Maker”
Freelance Writer/Photographer
64 Woodlawn Road,
Dorchester, NB, E4K 3 A8
(506) 379-2211 or (506) 379-067

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Thursday, December 24, 2009

Pension Plan Available for All, Especially the Small

Pension Plan Available for All, Especially the Small

This Letter to the Editor was published on Wednesday, 23 Dec. 2009, in the Sackville Tribune Post under the edited title of “Canadians need better Retirement Options”; Thursday, 24 Dec. 2009, in an edited version in the Saint John, NB, Telegraph Journal and on Monday, 28 Dec,in The Times Transcript in Moncton, NB, under the edited title “A Good Way to help Canadians with pensions”

I believe we Canadians should consider assisting people with pensions in the same manner we do with health-care with two exceptions, first it must pay for itself and the funds contributed must be secure so people can count on receiving what they pay for, not like the deficit run health-care system.  CPP should allow for added voluntary contributions, either annually or through payroll deductions, with the date of retirement benefits adjusted according to the amount paid overall.

This would make it easier for the average Canadian to invest in something they understand and have had confidence in for years.  It must be understood the CPP is not meant for the high rollers who get questionable million dollar bonuses, it is meant to protect the little people.  Therefore make it possible for the little people to invest in the CPP with what little extra funds they may have without having to be a Wall Street genius.

Just imagine the increased power the CPP would develop to assist the average Canadian with his or her retirement if it was to receive just an average of $200.00 per year extra voluntary tax deductible contributions, from just two million Canadians, to add to the already enormous investment pool.  Just imagine the increase in the benefits for the average Canadian who paid those extra contributions for the thirty or forty years he or she may work.

If someone could do the math, I bet a dinner for two at Mac Donald’s, contributors would receive far greater benefits for their retirement from that type of investment than they would from investing the same amount in the highly publicized nondeductible Canada Savings Bonds which the government decides what it will to pay rather than the open market.  This could in no way be considered a handout because the CPP would only increase benefits according to the extra funds invested, regardless how small, with the CPP by Canadians of all levels, especially the little guy who can’t afford the dividend, profit and commission driven pension plans so widely advertised.

Pension Plan Planners should make it possible for the average Canadian to help himself/herself in a simple inexpensive manner.  I know I would have added a lot more to my CPP contributions if I had known that flexibility had been available many years ago rather than dealing with some of those door to door so called commission and bonus paid financial advisers.

Macx
WG Macx MacNichol
“The Shiretown Image Maker”
Freelance Writer/Photographer
64 Woodlawn Road,
Dorchester, NB, E4K 3 A8
(506) 379-2211 or (506) 379-067





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Wednesday, June 4, 2008

Health Minister Addresses Local Liberal Association

Health Minister Addresses Local Liberal Association

(This article is the unedited version of the article published in the Sackville Tribune Post, Sackville, NB, Canada, on June 04, 2008)

During the open public meeting prior to the Annual General Meeting of the Tantramar Liberal Association provincial Health Minister Michael Murphy spoke to local citizens on issues related to the reformed health care system.

The main point of interest was the assurance that he had no intention to cut beds at the Sackville Memorial Hospital and that governments plans to create two hundred plus new nursing home beds for seniors would not threaten the number of provincial hospital beds. It is his intention to use the freed up space in the various hospitals to increase the number of surgeries and reduce wait times throughout the province.

Murphy also pointed out that under the new system patients will now have the choice of staying in their own communities and wait for services or go to another location anywhere in the province and receive those very same services sooner.

With the reduction in the of Health Care Boards there would more resources made available which Murphy feels will provide a more standardized health care system at a reduced cost which is badly needed because the provincial economy is growing only at about three percent rate while health care costs are growing at a rate of about six percent.

With reference to seniors being needlessly being housed in high priced hospital rooms, Murphy stated, with the commitment of his government to construct two hundred plus new nursing room beds over the next two and one years there will be a greater savings and reduce the financial burden on the entire health care system and will better serve the seniors who can be looked after outside the hospital environment.

In other areas the Minister foresees improved in the seniors prescription plan, improved ambulance service, at home self care initiatives and the retention of all paramedic graduates within the province.

Following his presentation Murphy fielded questions from the floor during which he stated he has full confidence and supports the Minister of Education and his proposed changes within the French Immersion program. In regard to uranium drilling issue within the province the Government House leader Murphy indicated that although he has authorized free water testing in the community of Harvey he presently has no concerns pertaining to Radon pollution or other chemicals and the health of New Brunswickers. He further stated should uranium mining become an issue in this province federal regulations would be in affect and environment issues would be addressed through Ottawa.

During the Annual Meeting of the Tantramar Liberal Association the status quo was maintain in membership of the executive and board members with any remaining vacancies to be filled by the executive. The elected President Janet Fotheringham will be providing a new agenda for the association over the next few weeks.

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Monday, June 2, 2008

Poker Tournament Fund Raising becomes Legal.

Poker Tournament Fund Raising becomes Legal
(This was published in the Times Transcript in Moncton and in the Telegraph Journal in Saint John,NB, in edited versions on 02 June 2008)
The recent announcement by the Graham Liberal government through Department of Public Safety reference Charity Poker Tournaments was welcome news for those who enjoy the sport and was very positive for those who raise funds to fill those gaps in our social system where governments fail to eliminate.

By permitting small community organizations to hold Charity Poker Tournaments puts tournament poker events and those who play the same status as bingo games and Raffles Tickets sales.

The now legal Charity Community Poker Tournament makes it possible for the average non-problematic poker player to have a night out enjoying his/her game while knowing part of his/her entry fee will be going to support local projects rather than disappearing into the massive corporate world of a casino, at a very reasonable cost.

t is now imperative for those responsible for issuing the licences, to poker tournament organizers, to conduct very strict audits and spot checks to ensure the tournaments are properly organized and every cent taken in through entry fees, sponsorship, advertising, 50/50 draws, canteen sales or any other monies raised as a result of holding a poker event are accounted for through proper accounting. If proper supervision of all organized poker tournaments is not established at the very beginning will only lead to abuse which must absolutely be avoided.

Those who understand poker tournament play will now realize there will be fair controlled distribution of poker revenues throughout the province in many more areas rather than just the immediate area surrounding the casino. This announcement treats poker tournaments in the same manner as other community sports tournaments organized for bridge, chess, billiards, darts, hockey and other sports where prizes are won, for which all tournament poker players should be very thankful.

Let’s be accountable, lets enjoy, it’s your deal.

WG Macx MacNichol

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Consultation Study Wastes Tax Dollars

Consultation Study Wastes Tax Dollars
(This article was published in the Times Transcript in Moncton, The Telegraph Journal in Saint John and The Sackville Tribune Press in Sackville, NB)
Spending one hundred thousand dollars on a study on how to better consult with New Brunswickers is another example of the lack of regard about spending tax payer dollars by the Graham government.

ll the premier had to do was tell his caucus members bring to his office all the letters they have received from their constituents over the past two years, ask his research staff to provide him with a copy off the letters written to editors of all the New Brunswick newspapers and he would have all the material required for consulting with those he supposely wishes to hear from, at very little cost or none at all.

This government’s sudden urge to consult with New Brunswickers lacks creditability because of past practices; firstly, it takes weeks even months to get answers from government representatives, both elected and non elected, to letters submitted by voters, I have heard of some never getting answered. Secondly the responses that are received, in most of the examples I have seen, indicate the government has always been always right and has been totally justified in what has done. Thus leaving the concerned citizens of New Brunswick impression they had no justification for their concerns and should not be questioning the government, it’s officials or it’s leader.

As I see the situation, the one positive thing about the study it was not paid for from the Environmental Trust Fund, as far as we know, up to now.

The cheapest and most effective consultation is to use what you have and lesson to what is being said —– Hello Mr. Premier.

WG Macx MacNichol

Dorchester, NB

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Avoiding the Pit Falls of Issuing Powers of Attorney

Avoiding the Pit Falls of Issuing Powers of Attorney
With the seniors population living longer and with many individuals requiring more specialized social and personal care it is very important every senior become aware of the many legal implications that can arise should a crisis arise involving their issuing a Power of Attorney for their protection.
As a senior gradually depends on the assistance and support from friends, relatives or a legal advisor he or she should prepare well in advance to give certain amount of authority to that trusted person when it comes to financial and person care matters and know the differences between the different types of Powers of Attorney especially those of financial and personal care.
One of the most commonly used methods of a principal transferring authority to an agent is through issuing a document referred to as Power of Attorney which outlines the issues and conditions under which a designated person or company can take action on behalf of someone who needs assistance or no longer is capable of looking after his or her own well being.
Before issuing such a document in writing the principal must decide the scope of the authority to be transferred to the agent and ensure that authority is fully understood by the agent selected as to what is being asked. It should be under stood the agent acts in good faith for the benefit of the principal and not for his or her own benefit unless the compensating benefits are described in the Power of Attorney document. By doing so will prevent what is according to the Canadian Center for Elder Studies one of the fastest growing areas of crime in Canada, Power of Attorney fraud, in many cases the duties and responsibilities under a Power of Attorney are very poorly understood and involves many seniors across this country.
Because the social structure of the average Canadian family has changed, many seniors now live in locations where they no longer have day to day contact with family members and have to depend on close friends or sometimes legal advisors for assistance to live a life when the administration of their financial or person care needs are beyond their capabilities. Thus it is very important to know by turning over authority to others that authority can lead to fraud and possibly abuse if arrangements are not properly made for the prevention of such an adverse situation.
A senior must also be aware that just because the agent is a close family member or good friend, will not necessarily ensure there will be no fraud or abuse. A great example of how conflict of issues can take place was in Nova Scotia where a brother kidnapped an ill sister, transported her to another country (legal jurisdiction) so he would have control of her affairs rather than her husband who had the legal right as per the decision by Nova Scotia supreme court. After a lengthy court battle in that other country the sister has been returned to Nova Scotia safely to her husband.
Regardless of how well a senior prepares, he or she must be aware that if they move from one province to another, the arrangements made in one province may not be binding in the other. Presently there is no agreement in Canada that recognizes Power of Attorney agreements in the various legal jurisdictions. At this time neither the province of New Brunswick nor the government of Canada have taken very much action towards recognizing the 35 internationally accepted measures (Hague Convention on the International Protection of Adults, January 2000) which could be used to determine which jurisdiction has authority to take steps to protect the person or property of adult who is not in a position to protect his or her interests.
It is good policy to prepare a Power of Attorney well in advance and discuss the written document with those close to you along with the person who will act as the agent (and alternate agent) but do not sign or date the document until that point it time when you feel it should to take affect. The reason behind delaying signing the document is due to the fact your signature may immediately activate the conditions in the document giving the agent authority over your affairs at an inappropriate time unless specifically stipulated.

Another method of delaying the activation of Power of Attorney as suggested by legal council, a special cause could be included to have the principal’s physician submit a document citing the principal has lost the capacity to attend to his or her personal business or personal care. Only by presenting the physician’s certificate can the agent activate the Power of Attorney and all it’s clauses.

By doing your research and preparing a well informed Power of Attorney document and selecting an agent along with an alternate agent to act on your behalf, you can ensure your safety, security; comfort and welfare for those years when unpredictable circumstances may arise that prevents you from looking after yourself.

Regardless of how hard one works to protect their life and assets always remember there are also always those who are continually trying to find new ways to defraud people of their assets and their way of life while being cognizant those trying to take advantage of you will not always be strangers to you. Therefore, with all your information, always be prepared to review your document and make the necessary adjustments that will make you feel safe and secure for a time when you will get all the assistance you need appropriately.
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Thursday, March 27, 2008

Inappropriate use of trust fund

This letter was pulished on 28 Mar. 2008 by the Telegraph Journal in Saint John, by the Times Transcript in Moncton on 29 Mar. 2008 and the Sackville Tribune-Post on 02 April 2008, all in New Brunswick, Canada

Inappropriate use of trust fund

For many years New Brunswickers have faithfully collected, sorted and delivered millions upon millions of recyclable items to redemption centres in the belief their efforts and monetary deposits would be used to fund worthwhile environment related projects through the Environmental Trust Fund.

Until recently those efforts and that faith were well placed, then suddenly (in the March budget) their faith was discreetly destroyed. The provincial government will now remove millions of dollars from the Environmental Trust Fund to address expenditures in the under-funded Department of Natural Resources.

This is another example of a very good program, working effectively and creating funds to be used for outstanding projects, being misused by government officials for other than its intended purpose.

Government managers could not standby and see all those dollars in the Environmental Trust Fund and not put them to use to correct their financial mismanagement of a departmental budget.

It is unacceptable to tell children, schools, organizations and families their efforts in recycling will be of tremendous benefit to the environment, their health and improve the world then use those accumulated dollars to support a provincial budget.

Should there be more than expected funds in the Environmental Trust Fund they should be used to support more cleanup projects, create more tree planting programs, clean illegal dumps sites or provide funding for small silviculture projects for private landowners. There are many projects where those surplus dollars could be properly used rather than to balance a budget.

Again a government abuses our “Trust.”

WG Macx MacNICHOL

Dorchester

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Wednesday, February 13, 2008

Tax Payers have Proof They are Victims

This letter was sent to three publications on 12 Feb. 2008 reference the Auditor General’s report on excessive taxation in the province of New Brunswick since 2003. The Sackville Tribune Post published this article on 13 Feb. 2008 in it’s Wednesday edition. The Times Transcript, from Moncton, published the same article on 14 Feb. 2008. The Telegraph Journal in Saint John published an edited version on 15 Feb. 2008.

 

To The Editor:

 

Tax Payers have Proof They are Victims

The release of the recent provincial Auditor General’s Report on personal income tax should give all tax payers an indication of the attitude all elected representatives have towards those who work so hard for their wages in the province of New Brunswick.

As pointed out in the report the last two governments have been over taxing every working New Brunswicker and it appears by their quotes, in some cases their silence, they have no regrets doing it.

Year after year all politicians have used terms openness, transparency and accountability to promote their political agendas and polices with the goal of being elected. How can any of those elected since 2003 explain how they allowed the excessive taxation to continue? How are they going to explain how their actions or inaction were open, transparent and accountable when it comes to their dealings with those who elected them to their present office?

The extra millions of dollars removed from New Brunswick tax payers in all regions unnecessarily should somehow be returned to those who were over taxed. Will our elected officials make the necessary amendments and return all excessive tax dollars to those who so badly need every cent they earn as soon as possible, thus being accountable?

The most shocking aspect is the provincial Finance Minister considering using the inappropriate tax money to create competitive investment and support for big business without even an expression of concern for the over taxed workers of New Brunswick and their financial problems.

It would appear all elected representatives use a special dictionary, much different than the ones used in our school system, when they define openness, transparency and accountability, maybe they should refer to the Minister of Education for the correct definition as taught in our schools.

With the pending federal, municipal and eventually province elections everyone of the voters should be very cautious when talking to a politician who uses terms such as openness, transparency or accountability they could be talking to some one who would over tax us, pass legislation or make appointments without any regard for the well being of the tax payer.

I wonder what the political definitions are for victims and reimbursement.

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Friday, January 4, 2008

Province Lacks Worker Protection

Article published (edited version) 04 Jan. 2008 in the Saint John Telegrah Journal
Article published unedited 07 Jan. 2008 in the Times and Transcript, Moncton, NB.

As one who has lived through a big company closure and has seen how families and communities have been affected, even destroyed, I am always amazed by the lack of worker protection in many provincial jurisdictions.

Governments are always bragging about their success, when they spend millions of tax payers dollars attracting investment into a province whether it be heavy industry or service companies but are totally amazed, surprised and shocked when years later a company closes it operations, leaving a community in a disastrous condition, without appropriate compensation or financial protection for it’s worker.

When a government negotiates tax breaks, loan guarantees, resource access, direct non repayable grants and various other concessions, why are there no negotiations for the future employee’s salaries, pension protection and asset controls?

How can governments justify allowing companies to come to this province rape and plunder thousands of acres of woodland, scare the earth by removing minerals and basically commit environmental genocide, to suddenly close, then dictate who will control the remaining assets without proper compensation to the province, the affected employees or communities? A responsible government would exercise more control over the disposal of the remaining assets and how they are to be dealt with to ensure the investments of the government and the affected population are protected.

The most recent incomprehensible government action was the offering of millions more in tax dollars to a company who they had no idea had already made a deal with another country and had no intention to negotiate any possible settlement concerning it’s New Brunswick holdings. This indicates the government negotiators had absolutely no idea what was going on with this company and further more had no idea of the amount of contempt the existing company had for the negotiating government and the population it represented.

There is no way a government can stop company closures but there is no excuse for not having negotiated appropriate long term protection for employees, communities, government investments as well as the small businesses that were established as the result of the government and company financial commitments.

Elected officials and negotiators love to have their photo opportunities with company officials on the opening day of a new company but recently, with the number of closures being announced, none of those officials who negotiated the sweetheart agreements with the closing companies have made any appearances in front of the cameras explaining how they allowed the province and it’s residents be taken to the cleaners by such bad corporate citizens on a number of occasions. Then, explain to all of us, what are the total actual costs to the province as a result of each closure? They should be easy to find because their red faces are glowing,, in the dark of their hiding places, from them being embarrassed by what they see happening because of their bad negotiations.

To a reasonable person, past negotiations involving concessions, government investment, tax relieve and resource availability appear to have been very poorly done, from the government side, when it came to protection of the environment, salaries, pensions and asset control.

That same reasonable person would want to know when will negotiation goals be changed and what government will step up to the plate and ensure there is adequate protection for tax dollars, communities, employees and the control over all remaining assets?

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Wednesday, December 26, 2007

Waste Paper can be recycled to save tree

This article published in the Mascaret Magazine, Moncton, NB, Canada

Your Waste Paper Can Save Trees

When I watch the huge trucks and trailers pass on the four lane highway loaded with logs, I can only think of the tons of unused waste paper that could be recycled and prevent the cutting of so many trees especially those considered are undersize.

Believe me, there are literally thousands of tons of paper products serving no purpose other than taking up space in attics, basements, barns, and garages throughout the province of New Brunswick. Over the past five years I have worked with an organization that raised thousands of dollars for community activities by collecting books and other paper products then arranging to have them recycled or put to other useful purposes.

Every week I hear people stating they are concerned about what is happening to the forest areas of New Brunswick and wonder what can be done to reduce the cutting of so many trees.

Part of the solution is quite simple and would have more than one benefit to all the residents concerned with saving our badly manipulated forest industry. The first step is to have residents go through their homes and other buildings and remove all the unused, unwanted old magazines, newspapers and cardboard boxes so they can be collected and delivered to a recycling program. Secondly, go through the home library removing all the out of date editions including those thirty and forty year old twenty-four volume encyclopedias which are not longer used then add them to the shredding pile. Finally, sort through all the remaining contents of the library, remove all the books and magazines which are in good or better condition and are no longer used, needed or wanted then donate them to fundraising organizations. There are many organizations that would gladly take those items to be used to raise funds for various activities.

By following these steps new found space can be created in every residence, a huge amount of paper can be put back in to the recycling system, used books are made available to others to enjoy at a reduced price, over time reduce the necessity to cut so many trees and have so many logging trucks on the highways.

A prime example of how much paper could be collected are those huge encyclopedias our parents and grandparents purchased for us back in the 60s, 70s and 80s, each weighing close to one hundred pounds. Presently there are hundreds of homes in New Brunswick that have at least one of those out of date sets, collecting dust and not being used because the new up to date editions are now available of a two ounce CD. Just imagine the tons of paper that could be put back into the system if every one of those sets were to be shredded and reprocessed.

There will always be a forest industry and a need to cut trees of the proper size to produce various needed products but better participation in a the recycling programs for all kinds of paper will reduce the cutting of trees of which many could be considered as undersize. The practice of processing of under sized trees is done because the price of logs makes it profitable and clear cutting makes it easy to do.

Those who would like to take the first step can do so by organizing such events as “Book and Paper Days” to collect as many items as possible for either recycling or re-use. By doing so, there is also the possibility of raising funds that could be used to support other activities within the community. In my opinion these types of events are easier to organize and do more to help the forests and environment than participating in attention seeking demonstrations that only have short term affects and are soon forgotten.

More importantly, by returning tons of paper back into the pulp and paper industry or putting items into the hands of others for their enjoyment at a very low cost can only be a benefit to the overall environmental management process. There is no reason for the concerned residents of this province not to participate in this type of endeavour if they are honestly interested in the welfare of our forests and the environment.

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