Saturday 18 May 2019

How to Stop Pop-Up Ads on Android

How to Stop Pop-Up Ads on Android

Toms Hardware


Few things are more annoying than when you settle in to read an interesting article you’ve found while surfing on your Android phone only to have a ginormous pop-up fly around the screen and block your view. It’s time to put a stop to pop-up ads on Android.
While no pop-up blocking method is 100 percent foolproof, with the right security practices, you can keep most of the digital gnats away from you the next time you’re browsing the web on your Android phone. The method outlined below was tested in Android Nougat, but the process is exactly the same in Android Oreo and Android Pie.

How to disable pop-ups in Chrome

1. Open Chrome, the default browser on Android.

2. Tap More (the three vertical dots) at the top-right of the screen.
3. Touch Settings.
4. Scroll down to Site settings.
5. Touch Pop-Ups to get to the slider that turns off pop-ups.
6. Touch the slider button again to disable the feature.

Stopping pop-ups with other Android browsers

If you want more aggressive pop-up or advertisement blocking, then you’ll need to go with a third-party browser. Unlike Chrome for the desktop, the mobile version of Chrome for Android currently does not work with any plugins. However, alternatives like Firefox and Samsung Internet do.
One offering is Ghostery, which is a popular blocker and privacy-focused extension. On Android, it comes in the form of a full-blown browser that gives you visibility of the types of trackers that are on websites. Here’s how to block pop-ups using that app. (Again, this method will work in Oreo just as it works in Nougat.)
1. Touch the Settings cog.
2. Touch Block Popups.
Additionally, you can go to Ghostery > Tracker Blocking Options and then select Block Everything for the most aggressive blocking option.
This will reduce the chance that you’ll see any pesky pop-ups that will ruin your mobile browsing experience.
MORE: Best Ad Blockers
Competing Android browsers offer a similar function for stopping pop-ups on Android, but Ghostery has the most aggressive reputation at blocking nuisances like pop-ups. On the other hand, Google’s work with Chrome ensures it will likely be a fast option and integrate deeply with Android, so using that browser with blocking turned on is also a solid choice.
While it doesn't seem like Chrome will allow third-party ad blockers anytime soon, Google introduced support for the Better Ads Experience Program in Chrome back in February. Through this system, Chrome automatically removes ads that breach the Coalition for Better Ads' criteria. It's not a full replacement for a dedicated plugin, but it's better than nothing.

Thursday 27 September 2018

Why Me?

Why Me?

Original 7 01 2009


Have you ever been in traffic like downtown Toronto?

I remember one time trying to get from a side street on to University Avenue. Now this one corner had more poles than I have ever seen totally blocking my view while looking for a break in the traffic. So I did what we all do. I crept forward more and more until I could see well past the poles.

Of course I was then somewhat blocking the pedestrian walkway across the street. Most people just go around the front or rear of the vehicle and give you a look. But out of the corner of my eye as I watched this one man was visibly upset, and glancing very briefly at him, I could see he was giving me obscene gestures as if to say, “Who are you to dare block my way?”


I didn’t have a choice. I had to see the traffic. I became upset and thought to myself, “What kind of jerk is this? Can’t he see that I have to be here to see when my turn comes? I was frustrated thinking, Why him? Why did I have to get such an inconsiderate boob to deal with?

Suddenly into my head rushed some thoughts. “You don’t know what this man has been through.” “Maybe he was abandoned by his parents as a kid.” Maybe his wife walked out on him this week and took his son with her. Maybe he was just really hungry. Maybe he had to sleep on the street. Maybe his dad beat him over and over again.”

The Lord was answering my query. I asked why and God was giving me the possibilities. So then tentatively I thought, “But why do I have to put up with such unjustified anger from someone crossing just at the time I was there?” The thought popped into my head, “Maybe you are the only christian who will pray for him.” Maybe nobody cares what happens to him. Maybe nobody ever has.”

So I prayed for him. I asked God to give him a chance to meet the only one who can help, when there is no help. I told God that I did not know why we had to meet that day but Jesus died for both of our lives on that day, many years ago, for me and for him, in fact all of us. I told God I was sorry for my reaction and asked him to bless this man who had walked into my life for a very brief moment in time, so that I could pray for him.

I had a choice. I could yell back at him from inside my car. I could tell him where to get off. It is your choice sometimes. There is always a choice. Of course he didn’t deserve my prayer, but did I deserve to have the God of this universe allow his son to die on a cruel cross for my sins?

So do you care? Do you care enough to forget your justified anger, to pray for someone that nobody else will pray for? Will you pray for that driver that cut you off? Or will you just chalk it up to another jerk that crosses your path?

Will you be faithful and pray for an undeserving man, a man who has no one to pray for him? It’s up to you. It could have been a coincidence that you met, sort of, on that street corner.

Or it could have been a God-incidence?

Sunday 15 April 2018

Our Divided World ...



Background To Our Divided World

(From the Blog of William Gairdner at https://www.williamgairdner.ca/category/blog/)


What follows is drawn from the very first part of The Great Divide: Why Liberals And Conservatives Will Never, Ever Agree (Encounter 2015), and is an attempt to contrast the way we are today, with how we began.
Seems like almost every news item today is an echo of these underlying contrasts and themes.
**************
Not so long ago it was common at a dinner party with family and friends to find ourselves drawn into discussion and debate over the political and moral topics of the day. There was usually a lot of strong feeling, praise for good arguments, some good-natured ridicule for bad ones, and of course heated support of one’s own ideas. But I cannot remember any violent personal attacks, tears, or “outrage” over someone else’s point of view, however wacky it may have seemed, and that was because no one interpreted disagreement as offensive. Most striking of all, I think most people then were unafraid to state their own views, even happy to volunteer them. There wasn’t the slightest hint of “political correctness” in the air. We assumed that was a moral disease of the Red Chinese, a million of whom I remember seeing displayed on a center-fold of Life magazine in Tiananmen Square, all in black communist uniforms, all waving Chairman Mao’s Red Book fanatically in the air. The mere notion of “Human Rights Tribunals” (such as we have now in most Western nations) set up by governments to “re-educate” and to control or punish thought and speech in a free country, was simply unthinkable. We were quite aware that many post-war immigrants fled from the disease of totalitarianism to the “free” world to escape that very thing. But the disease followed them.
A similar dinner party today is a very different story, almost certain to illustrate The Great Divide that is the topic of this book. The elephant in the room, as the saying goes, will almost certainly be an unspoken awareness that there are a lot of political, social, and moral “issues” that most are afraid to mention. The silence – who has not felt it? — tells everyone to keep their true thoughts to themselves. Share only unimportant, or even insincere thoughts. This may be typical in the company of complete strangers, about whom we may care nothing. But to find it true among family, friends, and in our own close communities is very new and very sad, for it tells us that civil society, if not quite at an end, is comatose; that we are becoming strangers to each other. This book is one man’s effort to change this situation; to help people become unafraid once again.
I hasten to add that it is not a book about politics or political parties — fickle things at the best of times. For I believe that the political history of the West (which we assume is being decided by all the party, policy, and election language with which we get bombarded), is in fact an outcome of a much deeper and less obvious ideological warfare. Volcanoes and earthquakes are a surface sign of invisible geological forces, just as shifts in the political, social, and moral world are surface signs of invisible ideological forces.

The Clash within Western Civilization
In his bestselling book The Clash of Civilizations (1996) Samuel Huntington warned us about the clashes to come between the West and other, incompatible civilizations. The attacks by puritanical Islamists on our deeply-secularized, overly-sexualized, highly-materialistic culture on “9/11” and since, have borne out his predictions.
This book, however, is more concerned about a much less obvious, but more pervasive war of moral and political ideals within Western civilization itself, because from Pittsburgh to Paris, Buenos Aires to Buffalo, Vancouver to Venice, we have been engaged in a civil war of values and principles for a very long time. At bottom, it is a war between two incompatible political cultures, or enemy ideologies concerning the best way to live that I suspect with a little effort may be found simmering beneath the surface of all civilizations, waxing or waning as historical circumstances allow.

Darwin Was Wrong!



Darwin Was Wrong!


I have just finished reading a wonderful biography of Charles Darwin by the illustrious British historian and biographer A.N, Wilson, entitled Charles Darwin: Victorian Mythmaker (London: Harper Collins, 2017).The moment I saw the cover I was intrigued, because Wilson is such a thorough researcher and writer I knew this was going to be a wonderful read.
So … Imagine the jolt with respect to this still- controversial topic when I flipped to the first page and read Wilson’s opening sentence: “Darwin was wrong” – a sentence one would have expected to find at the very end of such a book, rather than at the beginning.
But he spends the next 500+ pages peeking very closely into Darwin’s personal, intellectual, religious, family, and working life, explaining in exquisite detail why he came to the conclusion that Darwin was quite wrong.
Wilson is entirely aware of the massive pro-Darwinian world in which we now live. Nevertheless, he quietly goes about the business of taking the ideological building of Darwinian ideas, the architecture of his thought, so to speak, apart, brick by brick. By the end, there is mostly rubble.
And there is a classic ad hominem scene described in the book, the moment when a debater tries to undermine an opponent’s arguments by attacking him personally, rather than sticking to the arguments put forth. The scene went as follows.
Something known famously today as “The Oxford Debate” over Darwinism was set up at Oxford in the summer of 1860 (the year after Darwin’s Origin of Species was published) by the British Association for the Advancement of Science, with 700 people in attendance. Darwin himself was to be present, but was very ill. His part would be take up by Thomas Huxley, already known as “Darwin’s Bulldog”!
Darwin’s  chief  critic was Samuel Wilberforce, the Bishop of Oxford (and the son of  William Wilberforce, the Englishman who so forcefully and successfully argued to end the trans-Atlantic slave trade).
As Wilson describes the scene, all was hushed. and Huxley was not actually planning to speak at all. Wilberforce, in an article published previously critiquing Darwin’s theory, had made two main points. And he made them again in this speech; points to which, Wilson writes, even today, “No Darwinian has ever given a satisfactory answer.”
Darwin argued in the Origin that evolution works just as does the selective breeding of species like pigeons (which Darwin spent a lot of time breeding). You can “create” all sorts of new breeds of pigeon by cross-breeding those born with unique features. Voila! he declared – it’s just like the invisible force of evolution at work!
But, Wilberforce told the audience: this is not a good example, nor a proof of evolution in nature, because if you cross-breed pigeons in captivity, you will indeed get new breeds, but when you leave them alone to continue their natural breeding, they will always revert back to their original type as found in nature.
Silence fell over the room. Wilson concludes he had shown that “a comparison between the breeding of hybrids under domestication, and of animals in the wild, actually disproved, rather than proved natural selection.”
Then, Wilberforce introduced his second criticism – also never answered, even today. The fossil record is supposed to show the continuous, slow evolution of countless new species with all the “transitional” types along the way as one species “evolves” into another. But, as Wilberforce bluntly put it: “The fossil evidence had ‘gap’ because there was none.” No fossil evidence for gradual evolution, that is.
There is even today no convincing evidence for gradual evolution in the fossil record. In Darwin’s day, perhaps 5% of all fossils had been found. But today, it is closer to 95%, and there is some, but very, very little evidence for a few transitional species. But, Wilson writes, “One would expect … that there would be hundreds, thousands of such transitions.”
But there are not. And as the distinguished paleontologist, the late Stephen Jay Gould put it, the absence of these transitional forms is “the trade secret of paleontology.” Even Darwin had admitted that if such transitional species were never found, his theory would be disproven.
Wilson say that at this point, the room fell silent. Wilberforce had the audience on his side. But he became too confident of victory. He preened himself. He decided he would move from fact and reason, to an ad hominem remark to finish Darwin’s Bulldog before he even got started!
Wilberforce was especially incensed to hear the Darwinians arguing that Man is descended from the apes. So he turned to Huxley and inquired, “Was it through his grandfather or his grandmother that he traced his descent from an ape?
Huxley immediately turned to the fellow beside him, and said: “The Lord hath delivered him into mine hands.
Huxley got even, scolding Wilberforce for descending to such a personal attack by saying he “was unable to discover a new fact, or a new argument” in his opponent’s speech, “except indeed the question raised, as to my personal predilections in the matter of ancestry.”
He then expressed surprise that the Bishop should have brought up such a topic in a serious discussion, and scolded further:
“If then, the question is put to me, would I rather have a miserable ape for a grandfather, or a man highly endowed by nature and possessed of great means and influence, and yet who employs those faculties for the mere purpose of introducing ridicule into a grave scientific discussion – I unhesitatingly affirm my preference for the ape.”
What  delicious scene, and what a fine lesson in how ad hominem arguments fail.


Canada’s Soft Totalitarianism (Really)


[This article is taken from William Gairdner's site as it is a very current topic in 2018 being fought by people like Professor Jordan Peterson and others... For more about William Gairdner, one of Canada's best-selling authors and other achievements and his books and his extremely documented positions on Canada today, please go to https://www.williamgairdner.ca/

https://www.williamgairdner.ca/]

 


  At a breakfast meeting in Toronto a few years ago with the late George Jonas –  an author of keen insight and perspicacity – I asked him what it was like to live under totalitarian rule, as he had done under Communism in his native Hungary before escaping to Canada in 1956. I will never forget what he said:
           “I felt like I was fleeing a disease. But … it followed me!”
           I almost wept for my country to hear such words. I have always loved Canada. For most of my life it has been a relatively trouble-free nation of plain-spoken, sensible people who seem politically and morally a little sheepish, not easily roused, not terribly impressed by the successes of their fellows, more prone to obey than to revolt, but who long before, and certainly since Confederation, have enjoyed a remarkable tradition of freedom.
           This freedom – of speech, action, and thought – limited only by traditional bounds of criminal or civil law and custom, was at its high point during the colonial period, when settlers hardly ever saw an agent of government, and was lauded most poignantly in 1896 by Canada’s 7th Prime Minister, Sir Wilfrid Laurier, in words that rang throughout the land – and throughout the unfree world – like a proud and resounding gong: “Canada is free, and freedom is its nationality!”
           And that is why I almost wept. For we simply cannot speak those words today, because Canada is no longer a truly free country. And I shall say why, in a moment.
           Meanwhile I remember, when reading Life magazine in the mid-60’s, staring in disbelief at a large center-fold photo of a million Chinese students in Beijing’s Tiananmen square, each dressed in a severe copy-cat black uniform and hat, all waving Chairman Mao’s Little Red Book over their heads in an apparently genuine delirium of admiration for his orientalized version of Marxism.
        I felt a deep pity for those robotic students, because it was clear they were brainwashed and quite frightened to raise an original idea, or to discuss individual freedom. And there was I, sitting in Canada in such full-enjoyment of my manifest liberties that I silently gave thanks for my country.
          However, Canada’s proud inheritance of liberty began to diminish around mid-twentieth century, and anyone wishing to learn exactly how this happened, is encouraged (pardon the flagrant self-promotion) to read The Trouble With Canada … Still! (2010), which you can order straight from the “Writing”/”Books” section of this website. Even reading just the first chapter will explain the mournful story.
         Canada was not alone in setting out to become what observers typically describe as a welfare state, a social-welfare state, or un Ă©tat dirigiste (as the French call it). Indeed, it took only a few decades for almost all Western nations to transition, each at its own pace, into the kind of regime I described in my last post as libertarian-socialist. For that is what Canada is now.
         Former Prime Minister Pierre Trudeau, the father of Canada’s current Prime Minister, was the poster-boy for this condition. He fought for the constitutional right to a maximum of personal, bodily, and sexual freedom for all, in the context of a maximum of public goodies for all – which made a large busy-body State necessary. When Trudeau came to power Canada had roughly 20 Billion dollars of federal debt after 100 years of Confederation that included two expensive World Wars. But by the time he left power only 14 years later, Canada had about 200 Billion in federal debt, and the standard rate of interest applied to that sum in the almost forty years since then brings us to about 650 Billion – which is what we carry today.
             But now to the main point. This week, three events – and I render this remark with great caution – have led me to state that Canada, under Prime Minister Justin Trudeau and his liberal party, has just crossed the red line between soft-socialism and soft totalitarianism.
           Hard to believe, and hard to say such a thing about Canada. But it seems true. When we think of hard totalitarianism, we think of machine guns and jackboots. But I am certain the tradition of British liberty that is our long and glorious inheritance will make hard totalitarianism forever (strike “forever”) impossible in a country like Canada. It is extremely unlikely Canadians will ever see jackboots, pervasive government spying, the “psychiatric” confinement of political enemies by government, dissidents sent to gulag camps in the north, and the like.
            But we must be wary, for the softer sort of totalitarianism is here now. It showed up this week. And as in most places, with the exception of outright revolution, it begins with top-down control of a thousand little things the people hardly notice. The first stage is the State’s effort to persuade via the publication of official positions on things like abortion, homosexuality, diversity, inclusion, etc. But it soon progresses to official edicts and warnings intended to stifle opposing views; to direct control of citizen speech via Political Correctness pressure; to the rise of Trigger Warnings, shaming, coerced use of language such as gender pronouns, and so on. Next, we see a more  pervasive control by means of punishment for infractions (via Prosecution by paralegal bodies such as  “Human Rights Tribunals” granted the power to fine offenders, to compel conformity via “re-education”, etc. – just as Mao was doing!). Then, we witness the appearance of full-throated laws mandating national citizen-compliance with the government’s ideology, combined with threats to rescind professional licences for non-compliance, to eliminate access to government grants for having the “wrong” moral or political beliefs, and even attempts to dictate the private workings of once-free groups; in short, to convert free private entities into quasi-public ones by means of legislation, regulation, penalties, and bars to public funding.
          Three soft-totalitarian initiatives of this kind raised their heads this past week.  
          1) The Canadian Government’s Bill C-25 seeks to impose “diversity” on all Canadian Corporations. The main issue seems to be the supposed need for 50% females on corporate Boards, but in general, the government wants the whole diversity “rainbow” encompassing religion, culture, sexual orientation, economic status, disability, and more, to be represented in every Board in the nation. All this is without any credible evidence that such diversity would contribute in any way to corporate well-being or shareholder value. But even if such evidence existed, why should it be imposed by force on private corporations, when the whole premise underlying a free corporation is that it will adopt whatever practices benefit its shareholders, and if it chooses not to, will be punished by a loss of share value?
              Personally, I don’t care if the Board of any company I invest in is filled with all men, all women, or any mix of gender or ethnicity, as long as  performance is solid and upward. For that matter, if the Board members were trained apes who knew best how to run the company, I would be fine with that, too. But as Terence Corcoran of The National Post put it, Trudeau and his cutely-named “Innovation Minister”, Mr. Navdeep Bains, have launched “another subversive attack on the corporate model that will change corporations into socio/political operations.” This Minister has threatened legislation and punishment for non-compliance, and said he will use whatever other weapons he may have “in his tool-kit” to impose “equity” and “diversity” on all Canada’s corporate Boards. Corcoran notes that if this measure succeeds, corporate boards in future will have to comprise 50% women (or – because gender is now deemed to be a fluid entity – some lower, but equal percentage of men and women, plus a percentage of LGBTQers, transgendered, etc., etc.), and also 18 per-cent visible minorities, 14% people with disabilities; 5% Indigenous people, and so on. In other words, the government wants to convert all private corporations into quasi-public ones by means of regulation. What a mess.
            The underlying assumption behind this radical use of State power, is the belief that all private, non-governmental uses of power such as have been exercised by corporate Boards in our tradition for hundreds of years, generate inequalities. And all egalitarian States believe inequality produces oppression. So the State’s antidote is – guess what? – forced equality. All formerly-free and private human institutions must be therefore be forced to reflect the biological and ethnic make-up of the State that legalizes their existence.
           Never mind that the government itself is far from diverse, and very far from reflecting the people it governs. I just want to point out that the dominant motive of all government action today is no longer liberty (with “equality” rightly restricted to equality before the law, and in the eyes of God), but forced equality. Equality in all things is  assumed to be better. But who says so, and where is the proof? And even if it were proven to be better, would forcing it on the private corporations of an entire nation justify the massive loss of freedom, and the spying and policing this would require? A free people will always defiantly say: “NO!”
            Private corporations in free societies have never been wholly free, of course. They are licenced by the State and have been forbidden to do lots of things (such as false advertising) and compelled to do others (like, file tax returns, keep minutes, obey labour laws, etc). But they have never before been compelled by the State to alter their own freely-chosen governance structure, which, given the massive regulatory environment in which they now operate, was almost the last thing that made them free and private. Hitler intervened in private corporations (but not in their internal organization) to turn their private production to public ends. Trudeau is intervening in private corporations and dictating their internal organizational structure to turn their corporate beliefs to public ideological ends.
           For the record, this is the same Justin Trudeau who, in 2015, when he was running for power, said: “Leading [Canada] should mean you bring Canadians together. You do not divide them against one another.” and then, in an archly-hypocritical statement, he added that “efforts of one group to restrict the liberty of another are so very dangerous to this country, especially when agencies of the State are used to do it.” (National Post, Jan. 23, 2018).
          2) The second alarm comes via the Law Society of Upper Canada, a quasi-government agency that controls the licensing of all lawyers in the Province of Ontario, which has recently released a dictate that all lawyers and paralegals in the Province are now required to “create and abide by an individual Statement of Principles that acknowledges your obligation to promote equality, diversity and inclusion generally, and in your behaviour towards colleagues, employees, clients and the public.”
            This is an outrageous mandate, abhorrent to any free society because its specific command is to compel the thought, speech, and action of every lawyer in the Province in matters with which any citizen may lawfully and morally disagree, and especially because it requires every lawyer to promote the Society’s ideological objectives with … everyone.
            Personally, I do not believe that “equality” should be forced upon unequals in anything; nor that “diversity” is necessarily a good thing in a world where unity is crumbling all around us, and nations are fragmenting into hundreds of mini-nations within their own borders; nor that “inclusion” should be forced upon people or organizations that don’t necessarily want to work, socialize, or associate with those they may not care much about.
          Whenever I walk into my local Tim Horton’s restaurant to buy a coffee I succumb to a case of diversity-astonishment when I see that all the employees there are women from India. I am not sure why, but a good guess is that they are new immigrants willing to work for less per hour than other Canadians. As it happens, I am fine with the lack of  “diversity” at Tim’s, because those Indian employees are in general more efficient and gracious than many other Canadians, and I figure it’s the owner’s business, so he ought to be free to hire whoever  he wants, just as I am free to buy, or not buy my coffee there.
            But the soft march to the total egalitarian State is otherwise. The public cannot be trusted to know its own mind. So there must be regulations dictating behaviour; then laws forcing it; then government spies to ensure compliance; then punishment of offenders. George said that when he left Hungary, there were government agents spying on all those who were not communist party members. He saw them standing on the street corner outside his apartment, in the rain, all day long, every day.
           3) The third deeply offensive soft-totalitarian move of the present Canadian government has arisen as a form of coercive bribery. The government has floated a “Canada Summer Jobs” program for years, through which it (basically) buys votes by helping hundreds of churches, camps, and many charitable organizations to hire extra summer help. This program has coughed up millions every year to fund about 70,000 summer jobs. But this year, our cocky, self-righteous high-school drama-teacher Prime Minister has embarked on, well, outright cash-bribery to deny funding to all organizations refusing to sign an “attestation” to the effect that they support “the Government of Canada’s commitment to human rights, which include women’s rights and women’s reproductive rights, and the rights of gender-diverse and transgender Canadians.” The government’s website will not accept your application unless that box is checked.
            You organization, charity, church, summer camp for the disabled, whatever, may have relied on this program in the past. May have counted on it to expand services with extra staff; may have bought equipment; may have built more facilities, and so on. But if for moral reasons your organization cannot sign an  attestation that it supports a “right” to an abortion, or that it will promote contraception, or, because like the vast majority, it believes that the male/female biological order of the whole world is natural, and not a matter of choice? Tough luck. Almost 39% of living Canadians have been baptized Catholic, and a great many of the nation’s most charitable organizations are Catholic, so the government is already getting a rough ride for forcing such entities either to de-fund themselves, or lie to survive.
         As I said, I doubt a country like Canada will ever get to the citizen-spying stage, or … Oops! I just remembered that Ontario’s socialist Premier Kathleen Wynne has hired 175 “Inspectors” (spies) who are now travelling around the Province ensuring that business owners are actually paying her newly-legislated Minimum Wage. And I did say that it’s a long way from soft, to hard totalitarianism. But, think about it: we already have government spies. Lots of them. Wage spies. Speech spies. Feminism spies. Pay-equity spies. Human rights spies. Government “re-education” course for offenders, etc. etc.
            It may indeed be a long road from Soft to Hard Totalitarianism. But it all starts somewhere, and this week, the road got a lot shorter. These three policy directives are sufficiently radical to say that Canada, under its present government, has just put on the soft-totalitarian slippers.
              Listen for the shuffle outside your door.
      ************
Post-script:
           Something I wasn’t aware of, or plain forgot, should be mentioned here in defence of the late Prime Minister Pierre Trudeau who, as I say, was the architect of Canada’s present libertarian-socialist regime. His son Justin Trudeau is a Catholic (in name, at least), as was his Dad. But it surprises many to hear that his father did not exactly support (or refuse) what the son calls “an abortion right.” Instead, he was gutsy enough to speak the truth about it, in a stunningly direct way. Here is what he said:
You know, at some point you are killing life in the foetus in self-defence – of what? Of the mother’s health or her happiness or of her social rights or her privilege as a human being. I think she should have to answer for it and explain.
Now, whether it should be to three doctors or one doctor or to a priest or a bishop or to her mother-in-law is a question you might want to argue …. You do have a right over your own body – it is your body. But the foetus is not your body; it’s someone else’s body. And if you kill it, you’ll have to explain.
The Rt. Hon. Pierre E. Trudeau, PC, QC, MP
Prime Minister of Canada
The Montreal Star, Thursday, May 25, 1972

From William Gairdner's website ...
https://www.williamgairdner.ca/canadas-soft-totalitarianism-really/

Tuesday 3 April 2018

Investing (Canada)

Rather than rewrite info from several websites I have included info from reliable sources (like the Government of Canada :) below to help you understand basic investing.

BASICS OF INVESTING FOR CANADIANS

Here is the link from the Financial Consumer Agency of Canada
 
https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/investing-basics.html

You may be thinking that the Government of Canada has a tax reason for giving you information about investing. Well that might be partly true. 

However it is also good sense that if Canadians invest and do well, then the CRA (Canada Revenue) will collect more in taxes. So it is a two-way street. Yes you can invest and make money. The other side of the street is that the government can take more of your money.

However remember that they ONLY TAKE A PERCENTAGE! YOU STILL KEEP THE REST! :)

There are two other main sources I have used to learn about investing, MoneySense magazine and Canadian MoneySaver.

I have read and subscribed to these magazines for years. Even if you decided you did not want to invest for yourself, these magazines can give you enough knowledge to understand and perhaps sometimes disagree with a financial advisor or financial player.

Whatever the situation you can not lose by subscribing to one or both of these Canadian magazines!!!

Enough for now... :) 

Better Interest Savings

ACHIEVA BANK (ONLINE)
Imagine charging you to DEPOSIT your money! Then they take your money and invest it and make much more money than you do! For that reason, I say, INVEST in bank ETF's (Exchange Traded Funds) DO NOT have large sums on deposit for two reasons:
  1. You make almost no interest compared to index funds.
  2. You pay taxes on your savings gains at the highest rate.

    INTEREST gains are charged the highest tax rate; same rate as if you worked to earn that money. 


However if you max out your TFSA account even if it is just a high-interest savings account, then you are protecting your savings from TAXES!

The two other virtual or online banks in Canada with the highest http://www.achieva.mb.ca/Portals/0/logo/achieva_logo.jpginterest rates are both in Winnipeg. They are Accelerate and Achieva both owned by credit unions.

Both Achieva and Accelerate will give you 2% [as of sometime in 2014] in a Hi Interest Daily Savings Account, much like Ally when it started out.

Unlike Ontario banks and credit unions in Manitoba EVERY BIT OF YOUR MONEY is insured! That's a plus especially if you wish to keep over $100,000 in a savings account. I think they know that it would be extremely unlikely for any bank to go belly-up in Canada due to the regulations on them holding a certain per cent of the savings of their account-holders in case there was a run on the funds.

Achieva online bank is owned by Cambrian Credit Union, some 54,000 members strong, established in 1959.  


BENEFITS

  • High Interest Savings

  • High Interest Savings TFSA (TFSA = Tax Free Savings Account
  • They offer regular GIC's and TFSA GIC's like any other financial institution as well.
  • Check them out and save more money as I have since signing up

Referral Program
Earn $25 each when a friend refers you to Achieva!

Info from Achieva website

Referral Petal Program

We’re proud that more than 87% of new Achieva customers would recommend us to their friends and family.* To show our appreciation for those that recommend us to their fellow savers, we offer a cash bonus through our Referral Petal program.

Earn up to $100

If you’ve been referred to us by an Achieva customer, let us know by using their Referral Petal code when you open a qualifying account. As well as getting all the benefits of saving with Achieva, we’ll reward each of you with a $25 cash bonus.

Each Achieva customer can collect up to 4 referral bonuses each year by referring their fellow savers, for a total of $100 in bonus cash every year. Refer using online banking or on your smartphone by using the AchievaMobile app.

To qualify for the bonus, new accounts must:

  • Meet regular account opening eligibility
  • Minimum $250 required in new account.
  • Account must remain open for at least one month.
  • No one named on an Achieva account in the last 12 months is eligible
See Terms and Conditions for full details.

MY REFERRAL PETAL to save YOU money, give YOU a REFERRAL FEE and to give me a referral fee is V336405388.


Information from Achieva Bank website regarding referrals.
Achieva’s Petal Referral Program
  • $25 to you and the one you refer, up to $100.
  • Regular account opening eligibility applicable.
  • Minimum $250 required in new account.
  • Account must remain open for at least one month.
  • No one named on an Achieva account in the last 12 months is eligible.


EQ Bank

I also have money in EQ Bank (2.2% currently as of April 3, 2018)

Here are the benefits from their website.

  • Everyday

    Everyday

    High Interest (As of April 3, 2018 it is 2.3% for a High Interest Savings Account)
    You can also get great rates on GIC's !
  • Zero

    Zero

    Minimum
    Balance
  • Zero

    Zero

    Monthly Fees
  • Five free

    Five free

    Interac e-Transfers®
    per month
  • Unlimited

    Unlimited

    Bill Payments
  • Free

    Free

    Linked Accounts
  • Free

    Free

    Electronic
    Funds Transfers
  • Unlimited

    Unlimited

    EQ to EQ
    Transfers
  • Free

    Free

    Day-to-Day
    Transactions

    It is still better to bank online and make these rates than make crumby less-than-1% interest.

    Then when you really want to invest, check out Questrade or Virtual Brokers. I have not used them yet but I intend to. At least one or both of these do not charge you a fee to invest in ETF (Exchange Traded Funds)

    ETF funds are the low-fee way of investing. See later post re investing.



How to Stop Pop-Up Ads on Android

How to Stop Pop-Up Ads on Android Toms Hardware Few things are more annoying than when you settle in to read an interesting article yo...