Whiskey Jack Presents Stories & Songs of Stompin' Tom This show is officially a hot item and is now for sale. To view some scenes, go to their most recent TV appearance at www.orchardtv.com/whiskeyjack
For bookings contact Marilyn Gilbert Artists Management at 416-534-4993 or firstname.lastname@example.org
Jesse Brown This is officially the most important podcast in Canada. Jesse Brown is a broadcaster, journalist, reporter...etc. with NO official ties to anyone. That makes him unique in Canadian news reporting...he is beholdin' to nobody. He's fun, enlightening and his guest tell the truth, or at least describe the truth as best they can. Check out his first podcast with CBC's Michael Enright... very good!
Ellen Roseman Blog According to her blog, "Ellen is a personal finance and consumer affairs columnist with the Toronto Star’s business section. Her columns appear Wednesday, Saturday and Sunday."
She is to the local newspaper scene, what Erin Davis it to the media scene... that is, a "must read".
Erin Davis's Official Homepage Erin always has a finger on the pulse of this vibrant city. Her blog is informative and fun. If you want to know what's happening or what's happened, don't bother listening to the news reports, go to this blog. My guess is this is one of the most popular sites in Toronto.
Maybe the most important blog entry I've ever read. I didn't know the late Joe Bodalai well but he introduced me to a lot of pretty terrific people. He wrote this shortly before he died. http://qualityshows.wordpress.com/
My friend and keyboardist extraordinaire Denis Keldie shared this with me today. It made me think that this sort of goal setting idea has been around a lot longer than I thought. It also inspires me to brush my teeth more often.
Here I am approaching 62 and I'm only now having grand children. Looks like many of my peers are also on the verge of experiencing this momentous event. It's on par with my mid life crisis from a few years ago. After all of our grandchildren are born within the next 5 months, our plan is to assemble and "swoon over our flocks" together. It'll be eye rolling nausea time for those non grand parents. We all criticized others who did this before us.
I never thought I'd be one to do that. I'm a pretty cool guy, or at least that's what I thought. As it turns out, when my son-in-law called me Saturday morning to tell me my first grand child, Lucas, was born a couple of hours before, I had to pull over to the curb. I was overcome.
I never expected that.
This video is like a Led Zeppelin video... to be played loudly.
It's not every day, in fact it rarely happens, that a skilled Jungian Psychoanalyst is on a popular TV show talking about dreams and what they might mean.
My friend Christina Becker did a stellar job on The Morning Show (Global) describing in a few words what normally would take a few books and a lifetime of analysis. I'm not sure if the viewers actually understood much of what she was talking about but I think the audience is at least a bit better informed about this mysterious subject.
I have on one other occasion republished an entry written by someone else. I promise not to do this again until next time. It's worth a read since most of us homeowners rent our hot water tanks. This is by Ellen Roseman from The Star. She's always worth the read.
When a rented water tank leaks, who pays?
If your rented hot water tank leaks, who pays to clean up?
BILL SANDFORD FOR THE TORONTO STAR
By Ellen Roseman | Mon Dec 12 2011
Suppose your hot water tank springs a leak and wrecks the floor, drywall and paint in your basement.
You can file an insurance claim, but you risk paying higher premiums at renewal time.
If you rent your tank, you can ask the rental company to cover the repairs. Don’t your monthly fees of $15 to $25 protect you from property damage?
Direct Energy and Reliance Home Comfort are the two biggest rental firms in Ontario with 2.5 million customers. They bought the rentals from Enbridge and Union Gas when the utilities were deregulated in 2000.
The two firms don’t maintain or inspect water heaters as they get older. Yet they tend to brush you off when you ask them to shoulder the cost of basement repairs.
Instead, they routinely tell you to file a home insurance claim. They’ll cover the deductible portion that the insurance company won’t pay.
Last March, I wrote about Direct Energy customers who were denied help when their tanks leaked. And last week, Reliance lost a court case involving its responsibility for property damage in a tank failure.
Two homeowners, Geoffrey and Sandra Collett and Shirley Szilvasy, won in small claims court when they challenged the firm’s refusal to help. Reliance appealed to the Ontario divisional court.
The Colletts’ tank was 19 years old and Szilvasy’s tank was 10 years old. That’s an important point, says lawyer Mark Mason of McCague Borlack LLP in Toronto, who represented the homeowners.
The higher court upheld the decisions in the two small claims court cases. Reliance was responsible for damages caused by its tanks, regardless of age.
The company had argued that the implied warranties were no longer in place 10 and 19 years after the tanks’ installation.
“The court said that Reliance promised to provide the homeowners with a working hot water tank at all times. If the tank failed, Reliance undertook to replace it. If it required service, Reliance provided it,” Mason said.
“There was no meaningful way to differentiate amongst Reliance’s contractual obligations on the basis of the age of the tank.”
Both parties agreed that there was no written contract that governs the issue of who bears the risk for consequential property damage.
In holding Reliance responsible, the trial judge said, “The rental fee does not vary from day one until the heater breaks down.
“The risk of flooding increases as time goes by, but the charges to the consumer remain constant.”
Spokeswoman Jennifer Garland said that any appliance filled with water and used continuously always has the risk of a discharge.
No one can predict when any tank — whether owned or rented — will leak. Since the chance of damage is extremely small, most rental providers will replace tanks only after they leak and not after an arbitrary number of years.
Reliance warns customers of the potential for leaks and tries to minimize losses by reminding them to keep a clear path for escaping water to flow into a floor drain, she said.
“We would encourage insurers to provide similar education to customers,” she said.
Insurers downplay the benefits of tank rentals in an effort to lower their costs (without any corresponding rate decreases for customers), Garland said.
“Given this new development, Reliance is considering its options, including the possibility of an appeal.”
If you’re asking a tank rental firm to cover losses from leakage, you can cite this case. Check McCague Borlack’s website for more information.
Ellen Roseman writes about personal finance and consumer issues. You can reach her email@example.com.
Karen and I have been promoting a toy drive in our community to help one of the important social service agencies in Toronto. Woodgreen Child Care Centres support hundreds of families and they never have enough help. These families need food and shelter. These are the basics we all need to survive. Our little event will perhaps give their children a bit of joy over an otherwise difficult holiday season.
We've done this before and each year are humbled by the generosity of people.
We make it easy to donate. Shamie at Silly Goose Kids Toy Store (647-341-4400) answers your call and they take your credit card information. This takes 2 minutes, 23 seconds. I've timed it. $5.00 buys a pretty good toy, at least it appears to be good to the little kid who won't receive any other. $20.00 buys a bunch of toys. $50.00 buys a whole bunch of toys. $100,000.00 would be .....
Each donation receives an entry to a draw which will be held on December 11th. The winner receives an E-Bike. You've seen them all over the city. They're powered by a battery that recharges very easily and inexpensively.
In this day and age, businesses succeed because they add value to a commercial transaction. It's the "extras" that we flout and use to stand out "above the crowd". You've heard the old saying "under promise and over deliver". Not only is this a sensible model, it's a fun model. I love happy clients more than the air I breathe.
However, there is one duty Realtors owe to their customers and this is absolutely non negotiable. The Realtor Code of Ethics compel us to "take reasonable steps to determine the material facts relating to the purchase or sale of a property and, at the earliest practicable opportunity, disclose the material facts to the client".
What is a material fact? It's something that could affect a reasonable person's decision to purchase or sell a property and may also influence what price to offer or to list at. It might also influence the conditions attached to any such contract.
Some examples are:
1. flooding or structural problems,
2. rights-of-way or restrictions regarding the use of the property,
3. wiring or anything not visible,
4. neighbourhood issues such as a planned wind farm,
5. whether property was used for illicit purposes.
All Realtors are obliged to investigate these facts even if they dissuade a client from offering on the property. Besides that, we must "promptly disclose those facts to the client".
Wow. I just received notice from Scotia Bank that they are going to reimburse the complete amount of the service fee I've been mistakenly paying for 3 years. The Customer Service rep, Toula from the Pape/Danforth branch and Nate, the online rep have been over the top in dealing with my concerns. This has to be one of the most pleasant exchanges with a bank I have ever had.