Guest Blog from Tess: When your child turns 18 on a low income: Three big changes for a lone parent

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This guest blog from Tess underscores the problems faced by families living on a low income in subsidized housing. It goes back to an essay I wrote for Metcalf titled 'Why is it so tough to get ahead?' While today's parents know that their children may have to live with them long past the age of 18, our social welfare institutions continue to adhere to the Age of Majority Act that was passed into law 44 years ago, a time when many 18 year olds could realistically pursue independence.//js  This month my relationship with three policy programs is going to change.  I have not done anything myself to alter these relationships.  The lived circumstances of my life have not changed.  Rather, my son, Troy (pseudonym) celebrates his 18th birthday. These…
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Twenty Eight Canadians

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Twenty eight Canadians returned to Italy to commemorate the 70th anniversary of the Italian campaign that took place during World War II from July 1943 to April 1945. They ranged in age from their later eighties to their mid-nineties. They were in the minority of the living well enough to go. They were a remarkable group and the Canadian government has taken great care to ensure that we don’t lose track of them in the way we lost track of Canadian veterans of the Great War. In that case, it seems as if they were suddenly gone. But what do we really know about this group of veterans who travelled to Italy from November 22 to November 30th as part of the official delegation? What does the twenty seven men…
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We are going! the 70th anniversary of the Italian Campaign

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Al Stapleton, 94, is visiting the fields of battle in World War II Italy this week as a member of Canada’s Official Delegation to commemorate the 70th anniversary of the Italian campaign. He is our father. This is his third visit to Italy. The second time was ten years ago for the 60th anniversary. His first visit was seven decades ago. For the first four decades of our lives, we heard little about his wartime experience in Italy. It took a long time for the painful stories of war to emerge. He arrived in July 1943 under the cloak of darkness and raging storms as part of one of the largest expeditionary forces in history. Departing from a troop carrier, he waded ashore on a beach in southern Sicily close to the sleepy…
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“It is difficult to get a man to understand something, when his salary depends on his not understanding it.” Upton Sinclair -Guest Blog from Pat Capponi

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Those of us who make up the OW and ODSP rolls, who haven’t worked for years, who have struggled with homelessness, addictions, mental illness and abuse, are at a crossroads in this city. We need to understand that, unless we really start to confront the stark choices we’re facing, there will be no real opportunity to improve our lives through education, training and employment.  Why is this? There are limited resources available to us, and most of those dollars go to agencies, shelters, food banks, community kitchens and drop-ins, to maintain the status quo, to keep us from dying on city sidewalks and alleyways which would disturb public consciousness and elected officials.  At least two-thirds of funding given to agencies goes to rent, staff, and benefits. These places constitute a…
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Revealing power imbalances: What do cigarettes, casino card counters and Jian Ghomeshi have to do with financial literacy?

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Preface On November 3, 2014, I drove a woman for whom I advocate named Linda Chamberlain to two payday lending outfits. She was taking cash advances from one to pay the other after maxing out a credit card which she used for cash advances to pay for food and non-insured medical supplies. She is 65 and suffers from a variety of mental and physical illnesses. In one month, she had racked up credit card and fees of $238, $93 for going over a credit limit, $105 in payday lender fees and the rest in interest at 19.7%. She needed $60 that morning for medical supplies and food. Inside the second of the two payday lenders, we carefully counted out the $605 she needed to pay off a debt of $500…
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Scarborough and the politics of resentment

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“Scarborough has long been seen as Toronto’s wasteland and a subway is something too expensive for an outpost like Scarborough” [1] Mary Wiens, CBC Reporter, Metro Morning, Toronto Wednesday September 3, 2014 On September 3, 2014, CBC Toronto’s Metro Morning website introduced a radio interview with one Scarborough resident in the following manner: “Scarborough Transit Transit is one of the most important issues in this mayoral campaign, especially in Scarborough. Mary Wiens spoke with voters in Scarborough, who could be key in deciding who becomes the next mayor.”[2] This is a blog that in some ways I am reluctant to write. I like Metro Morning. I like Matt Galloway and I really like Mary Wiens. I always turn up the radio to listen to the interviews she conducts as they…
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Guest Blog from Pat Capponi: When Deb Matthews meets with Smokey…..

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When Deb Matthews meets with Smokey, the OPSEU head, wouldn't it be cool if she said: "Smokey, we are on the cusp of great possibilities when it comes to those who are burdened with mental illness, addictions, trauma, and poverty. " We have in ignorance wronged this population, now that that this ignorance has been pierced by the very same people we mistakenly de-valued, we must act to right these wrongs. This is not to suggest workers have deliberately acted in ways that harmed their clients, but best intentions and motives have not helped to significantly alter the outcomes for those same clients. Two factors have increased the urgency with which we must address these issues. Economic austerity has opened the door to recognition that the diagnosis of a mental…
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Guest Blog from Tess: Without warning! How government can empty out a bank account and leave you with nothing

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I’m a single mother of two boys.  One is living with me. We get help from Ontario Works and live in subsidized housing.  My son who lives with me is in high school full-time. He was born when I was his age and in high school. I finished high school. I finished two university degrees. I struggle with occasional bouts of depression, chronic fatigue, and pain. At the beginning of February this year I went to an ATM to make a withdrawal.  Instead of leaving with cash, I left with overwhelming distress.  There was no money for me to take out of my only bank account.  Had I been a victim of technological theft?   Being the beginning of the month, this was especially stressful as I would not receive my…
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No piece of cake! Linda Chamberlain applies for the Guaranteed Income Supplement (GIS)

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I am supposed to know about retiring on a low income.  That includes obtaining the Guaranteed Income Supplement for people who turn age 65.I am supporting the Old Age Security application of a woman named Linda Chamberlain. She turns 65 on July 3, 2014. This will be in some ways a dress rehearsal for my own application since I turn 65 in August 2015. Right now, Linda has no income other than her ODSP cheque and the odd gift from others.  We did not apply for a meagre amount of CPP.  I wrote about that here:  Linda Chamberlain and CPP Linda’s move to Old Age Security is a good story. Her income will go from about $1,035 a month to $1,700. However, since she lives in subsidized housing, her rent…
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Doing the BORF: The new world of vacationing Torontonians meeting Americans

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I recently went on a vacation cruise to the western Caribbean as the itinerary included Honduras, Guatemala, Belize and Grand Cayman – four places I had never visited and wanted to experience. Truth in advertising: this was a luxury cruise with a high concentration of prosperous looking white people and a preponderance of Americans. But I had no idea that I was going to BORF so I started to keep notes on the experience. The qualifications for a BORF  are unique to people who travel from Toronto to another location outside of Canada and who have the chance of running into Americans. A cruise in this sense is ideal. I should also say from the outset that I had no idea I was going to BORF and I can freely…
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