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Short-term gain for long-term pain; Business owner speaks out against banks

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BY SIMOME J. SMITH

“We look at these banks as partnerships, but it doesn’t feel like a partnership at all.”
Ryan Vande Vooren, Owner/Operator
Glow Zone 360

Frustration!

I could feel it through the phone. I was speaking to Ryan Vande Vooren, who happens to be the Owner/Operator at Glow Zone 360. The partners at Glow 360 have over forty years combined experience in the attractions industry. The community has benefited from a family, friendly space where you can bring your friends, sports teams, or host birthday parties.

The COVID-19 outbreak has had a mixed impact on businesses in Ontario, with some experiencing a drop in revenue while others continuing to enjoy the same number of clientele. When speaking with Ryan, he told me a little about his industry.

“Our sector is a revenue generator for this country, bringing in new money as well as keeping Canadian disposable income in Canada. It is made up of hundreds of thousands of passionate people who will do everything in their power to remain solvent so that they can continue to entertain Canadians and visitors from around the world when it is safe to do so.”

What was frustrating Ryan, as well as other businesses in his industry is how the banks have been dealing with them. Instead of sitting back like the victim, he decided that it was time to speak up. Ryan wrote a letter to Prime Minister Trudeau beseeching him to hold banks accountable.

“We are all in this together.”
Prime Minister Trudeau

In March, six banks: The National Bank, Bank of Montreal, TD Bank, CIBC, RBC Royal Bank, and Scotiabank, all put out statements that they were committed to working with their personal and small business banking customers to help them manage the challenges that some of them were facing due to the pandemic. Their support would include a deferral of mortgage payments for up to six months, as well as providing some relief on other credit products.

What some businesses may not have realized is that if they accepted the bank’s help, they would still have to pay interest even though their payments were being deferred.

In his letter to Prime Minister Trudeau, Ryan spoke boldly for business owners, and called out David McKay and the Royal Bank of Canada.

“David McKay and his Royal Bank of Canada are profiting immensely from the funds and guarantees on loans that you have provided them, instead of actually assisting small businesses. The Royal Bank of Canada is making more profit than ever on the backs of the very people you have given them funds to help.

The tourism and hospitality sector, made up of small businesses like mine who make communities across Canada vibrant places to live, work and visit, are still struggling daily to stay afloat in a COVID-19 world.”

He explains that he was denied a CBAP loan guaranteed by the government, even though they have a five-year track record of payments with RBC and had already paid them hundreds of thousands of dollars in interest.

“We are not alone in this, having heard similar stories from our peers from across the province. The one thing they did do is defer our principal payments for six months – but made us pay the interest the whole time.”

During an escalation call with Crystal Reedie (RBC Vice President of Commercial Financial Services), he shared with me that she proudly talked about the “unprecedented” deferrals that RBC was doing for its clients.

“I pointed out that RBC was going to profit immensely from this because no principal was paid down so all of the interest payments for the six-month deferrals were gravy.

I then asked if they ever considered deferring the interest payments too.

She stated that they actively discouraged that from happening because then the interest would have accrued too, adding more debt to their clients.”

“No, no, no,” he said. “Did you actually consider “pausing” the interest and principle for six months and then just starting it back up again?”

There was silence on the other end of the phone.

“David McKay’s Royal Bank of Canada posted a 3rd quarter profit of $3.2B – yes that is billion – even as it wrote off $2.83B in bad loans for the same quarter,” Ryan concluded. I had to empathise with him. He was right. It didn’t sound very good for RBC.

An article titled, “Mortgage, loan relief could end up costing you thousands more as big banks continue to charge interest” (Marco Chown Oved), RBC spokesperson AJ Goodman would not confirm if the bank would continue to charge interest during relief periods. It was later released that all six banks would continue to charge interest on loans or mortgages if customers accepted its offer to skip payments for up to six months.

I wonder how many businesses know that by offering customers “relief,” banks have increased their profits. It seems a little deceptive that banks are profiting off a program that was marketed at being there for the people.

We, as humans are guaranteed certain things in life: stressors, taxes, bills and death are the first thoughts that pop to mind. It is not uncommon that many people find a hard time dealing with these daily life stressors, and at times will find themselves losing control over their lives. Simone Jennifer Smith’s great passion is using the gifts that have been given to her, to help educate her clients on how to live meaningful lives. The Hear to Help Team consists of powerfully motivated individuals, who like Simone, see that there is a need in this world; a need for real connection. As the founder and Director of Hear 2 Help, Simone leads a team that goes out into the community day to day, servicing families with their educational, legal and mental health needs.Her dedication shows in her Toronto Caribbean newspaper articles, and in her role as a host on the TCN TV Network.

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Urban Alliance on Race Relations celebrates and highlights Racial Justice Award recipients

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BY PAUL JUNOR

It has been almost 40 years since the Urban Alliance on Race Relations (UARR) has been at the forefront of: promoting tolerance, social justice, racial equity and fairness. Since it was formed in 1975, they have celebrated and recognized changemakers in the fight for racial justice in diverse sectors such as: health, labour, government, education, arts, media, environment, and justice.

On Saturday, December 7th, 2024, there was a great turnout at the 2024 Racial Justice Awards Night held at The Estate Banquet & Event Centre in Scarborough. In attendance were many community supporters, civic officials, long-time racial justice warriors, and individuals from diverse ethnic groups.

UARR is grateful for all the sponsors of the Racial Justice Awards Night Celebration. It notes in its email to its supporters on Tuesday, December 3rd, 2024, the importance of its sponsors including:

  • United Food and Commercial Workers (UFCW) of Canada, UFCW, Local 175
  • The International Brotherhood of Electrical Workers (IBEW) Local 353
  • Unite Here! Local 75
  • Toronto & York Region Labour Council
  • Canadian Labour Congress
  • The Coalitions of Black Trade Union (CBTUL)

“Your sponsorship plays a vital role in shining a light on individuals and organizations driving equity, justice, and change in our communities. This celebration is more than an event, it’s a movement. Thanks to your support, we’re: honoring changemakers, amplifying unheard voices, and funding initiatives that break down systemic barriers.”

The categories and names of the awards and recipients were:

Racial Justice in Arts: Hannia Cheng

She is an artist and cultural worker who co-founded Unit 270, a DIY gallery and multi-purpose grassroots community hub in Chinatown Centre.

Racial Justice in Labour: Vanessa Story

She is the founder of the Black Youth York Region and co-founder of the York Communities for Public Education coalition.

Racial Justice in Education: Shannon Simpson

She is Senior Director of Indigenous Initiatives at the University of Toronto.

Racial Justice in Environment: Dr. Ingrid Waldron

She is a Professor and HOPE Chair in Peace and Health in the Global and Peace and Social Justice Program in the Faculty of Humanities at McMaster University.

Urban Alliance of Race Relations Agent of Change Award: Kirk Mark

He is the Equity, Diversity and Inclusive Consultant at KIRK Mark & Associates.

Racial Justice in Media: Amanda Parris

She is an award-winning writer, tv host and producer, and former host of CBC Arts Exhibitionist.

Racial Justice in Health: Camille Orridge

She is former CEO of the Toronto Central Local Health Integration Network (TCLHIN).

Racial Justice in Government: Amira Elghawaby

She is a journalist and human rights advocate who was appointed in January 2023 as Canada’s Special Representative on Combating Islamophobia.

Racial Justice in Justice: South Asian Legal Clinic of Ontario (SALC0)

This legal clinic supports low-income South Asian people in Canada.

The funds raised from the Awards night will be going toward the work of the Diversity Youth Fellowship Program. This innovative and creative program is directly involved in enabling racialized youth to get paid experience working in municipal governments and at various public policy making organizations across Canada.

The performers at the event included: Katheen Zaragosa (a Filipino music performer), Rithika Jeristus & Maya Jeristus (Bharatanatyam dancers) and Yasmin Said (spoken word artist)

UARR is looking forward to its 50th anniversary celebrations in 2025 and shared five of its strategic priorities for the next 10 years including:

  • Employment and economic opportunity: The goal is to foster inclusive workspaces and economic opportunities.
  • Education: The goal is to promote racial equity in education and research.
  • Communication: The goal is to expand public awareness and reach to amplify our stories.
  • Community engagement and outreach: The goal is building community capacity and convening towards change.
  • Truth and reconciliation-relationship building and supporting calls to action. The goal is to strengthen our solidarity and action towards truth and reconciliation.

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What is it about those short videos that keep us captivated? Oh! Yes! Our short attention span

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BY KAHA GEDI

As our attention spans decrease, short form videos are becoming more popular. From TikTok, to YouTube Shorts, to Instagram Reels, these “snack sized” videos have positive qualities alongside the bad. Mainly we want to know what makes them so effective, and why are they becoming the go-to choice for both viewers and marketers? In this article, I will be discussing how these videos have received such popularity worldwide.

First, we need to understand what counts as and what is short-form content. According to blog.hubspot.com, “Short-form videos are videos that are less than 60 seconds long.” However, some marketers and content creators agree that short-form videos can be up to 3 minutes. “They are videos that deliver information in a ‘digestible’ format so that viewers can quickly watch and save content if they’re in a hurry or enjoy it.” Now, I’ll talk about the main reasons why these videos are so popular.

First, our attention spans have gone down exponentially. Dr Gloria Mark has written a book called “Attention Span,” and she says her research indicates people’s attention spans have been shrinking over the last 20 years. According to the same article Dr. Mark said that “Back in 2004, we found the average attention span on any screen to be two and a half minutes on average. Throughout the years, it became shorter. So, around 2012, we found it to be 75 seconds. Then in the last five, six years, we found it to average about 47 seconds.” So, it’s notable that our attention spans started out longer but then decreased over time.

Secondly, these videos have become cheaper and easier to make. Unlike long-form videos, which require extensive: planning, editing, and storytelling, short-form videos are simpler. To the point where they can even be shot on a smartphone. For example, DuoLingo, the app that helps learn new languages, went viral on TikTok a long time ago by posting funny, low-budget videos that resonate with millions. Like a video of a DuoLingo plus being: tossed down the stairs, sitting outside on a rainy day, or being soaked by the shower with the title “When you ignore my notifications.”

Lastly, they provide valuable information in a short amount of time, and they are easily accessible. According to a recent Adobe Survey, two in five Americans use TikTok as a search engine, and nearly one in 10 Gen Zeers are more likely to rely on TikTok than Google as a search engine. This isn’t always reliable for real news because anyone can claim to be an expert, and you wouldn’t know if they’re telling the truth. So, even though they give valuable information in a short time, they can also give misinformation or mislead you.

Short-form videos have changed how we watch and learn things. They fit our short attention spans, are easy to make, and share information quickly. Even though they’re fun and helpful, they can also spread false information or leave out important details. Even with these problems, short-form videos are here to stay, so we should use them in proportion, but also enjoy the benefits.

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Dr. Edward McInnis on the Importance of Preventive Care in Family Medicine

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Photo by National Cancer Institute on Unsplash

Preventive care is a cornerstone of modern healthcare, emphasizing the importance of addressing potential health concerns before they escalate into severe conditions. By focusing on proactive measures such as regular screenings, vaccinations, and lifestyle counseling, preventive care offers individuals and communities the opportunity to achieve long-term wellness.

Below, Edward McInnis highlights the transformative potential of prevention in reducing healthcare disparities, alleviating systemic challenges, and ensuring that every individual has the tools and access needed to lead a healthier life.

Understanding Preventive Care in Family Medicine

Preventive care in family medicine focuses on proactive measures to maintain health and prevent illness before it occurs. This approach emphasizes regular health evaluations, screenings, and interventions that identify potential issues early, reducing the likelihood of severe complications. Preventive care fosters long-term well-being by addressing risk factors and promoting healthier lifestyles while minimizing the burden of chronic diseases.

The philosophy behind preventive care aligns with the idea that staying healthy is more effective and less costly than treating illnesses after they arise. Early detection of conditions such as hypertension or high cholesterol allows patients and physicians to manage these issues effectively, preventing them from escalating into more severe health problems. Beyond individual benefits, this care model contributes to healthier communities by reducing the overall demand for healthcare systems.

Benefits of Preventive Care for Individuals and Communities

Preventive care profoundly impacts individuals and the broader community by addressing potential health concerns before they evolve into severe conditions. Early detection through routine screenings can significantly lower the risk of chronic illnesses such as diabetes, heart disease, and certain cancers. This improves individual health outcomes and reduces the emotional and financial toll of managing advanced diseases.

Communities prioritizing preventive care experience a ripple effect of healthier populations and reduced strain on healthcare resources. When more people engage in regular check-ups and adopt healthier habits, the prevalence of preventable conditions drops, creating a collective benefit. Individuals who invest in their health through preventive measures often enjoy longer, more active lives, positively influencing families, workplaces, and society.

The economic advantages of preventive care are undeniable, as early intervention typically costs far less than treating advanced illnesses. Vaccination programs, such as those targeting seasonal flu or childhood diseases, can drastically curb outbreaks, saving lives and reducing medical expenses. These benefits demonstrate how preventive care is a cornerstone of sustainable and effective healthcare systems.

Core Preventive Services in Family Medicine

Family medicine emphasizes various preventive services designed to address health needs across all stages of life. Regular health screenings, such as blood pressure and cholesterol checks, are critical in identifying silent health risks. These assessments provide actionable insights that allow individuals to make timely adjustments to their lifestyles or begin treatment when necessary.

Vaccinations are another cornerstone of preventive care, protecting individuals and communities from infectious diseases. From childhood immunizations to seasonal flu shots, these interventions safeguard personal health and prevent the spread of illnesses within larger populations. Counseling services, including guidance on nutrition, exercise, and stress management, empower patients to take an active role in their long-term well-being.

The Role of Family Physicians in Prevention

Family physicians play a pivotal role in fostering preventive care through their ability to build lasting, trust-based relationships with patients. These relationships enable them to understand not just medical histories but also lifestyle factors, family dynamics, and social determinants of health. This comprehensive knowledge allows physicians to craft personalized preventive strategies that resonate with each patient’s unique circumstances, ensuring a more practical approach to maintaining health.

Beyond individual care, family physicians act as educators, equipping patients with the knowledge to make informed health decisions. Whether discussing the significance of regular screenings or addressing misconceptions about vaccines, their guidance helps patients take ownership of their health.

The continuity of care provided by family physicians also ensures that preventive measures are consistently monitored and adjusted as needed, fostering long-term well-being. Their ability to provide holistic and deeply personalized care sets the foundation for healthier patients and communities.

Challenges in Accessing Preventive Care

Despite its proven benefits, accessing preventive care remains challenging for many individuals and communities. Financial barriers, such as lack of insurance coverage or high out-of-pocket costs, often deter people from seeking preventive services. Additionally, limited awareness about the importance of early detection and health promotion means that some individuals may only prioritize preventive care once a health issue becomes severe.

Geographical disparities also play a significant role in limiting access. Rural and underserved areas frequently face shortages of healthcare providers, making it difficult for residents to receive consistent preventive services. In such regions, innovative approaches like mobile health clinics and telemedicine have emerged as solutions to bridge the gap. Expanding these efforts could help overcome logistical obstacles and ensure that preventive care reaches those most in need.

Cultural factors and mistrust of the healthcare system can further complicate access to preventive services. Addressing these challenges requires a multifaceted approach that includes community engagement, culturally sensitive care, and efforts to build trust between healthcare providers and patients. Strengthening health literacy and facilitating dialogue between healthcare institutions and the communities they serve are also critical steps in overcoming these barriers.

Promoting and Advancing Preventive Care

Advancing preventive care depends on raising awareness and fostering a culture that values proactive health management. Educational campaigns, workplace wellness programs, and school-based health initiatives encourage people to adopt preventive practices. These efforts create an environment where individuals feel empowered to prioritize their well-being, leading to healthier lifestyles and earlier intervention.

The integration of technology is revolutionizing how preventive care is delivered. Wearable devices that track physical activity, heart rate, and sleep patterns provide individuals with real-time data about their health, prompting timely action when irregularities arise. Similarly, data analytics and predictive tools enable healthcare providers to identify at-risk populations and deliver targeted interventions, improving outcomes on a broader scale.

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