7 Years Later

My God. Has it been 7 years since writing a post on this site?

I guess it’s been easy to forget about. Other platforms like Twitter, Facebook, Medium, etc. make it easy to post and share content quickly and efficiently. Although, Facebook has increasingly become more of a dumpster fire.

But I guess, sometimes, there are some things to say that need to go, I dunno, deeper — with many parts. I think this is one of those posts.

Back in Christmas 2014, the last time I apparently wrote a post on this site, my son Toby would have fairly recently turned 6 years old, being enabled in his love for Lego.

Toby, Christmas 2014.

This hadn’t changed by the time he was 12.

Toby, Christmas 2020.

7 years later, in 2021, we’ll be experiencing our first Christmas without him. He died of a rare liver cancer, fibrolamellar carcinoma, on January 2, 2021.

I miss him every day. So, so much.

On August 29, 2021, I did my first of what will likely be many more fundraisers to raise money for cancer research: The Ride to Conquer Cancer. Unlike previous years, due to the pandemic, participants were encouraged to either participate virtually, or participate in a physically distant ride. I took the opportunity to plan a ~50km ride around Brampton, a sort of trip down memory lane, to remember important locations that impacted Toby’s life.

Summary of Locations

Toby’s Way

The ride starts at “Toby’s Way”, a section of recreational trail in Brampton named in his honour.

Place of Birth

Toby’s delivery was a home birth. It seemed fitting to re-visit this area of Brampton early in the ride.

Daycare Locations

The cost of daycare, especially after Toby was born, had a huge impact on our lives and the decisions we would make later regarding our “cost to work”, and eventually living car-free for 10 years.

Helen Wilson Public School

Toby’s first kindergarten school experience, a short cargo-bike ride from our house.

Brampton Public Library, Four Corners Branch

Toby was a prolific reader. I would often stop at the library on my way home from work to pick up and return books for him.

Bramalea & Chinguacousy Park

“Canada’s first satellite community”, this part of what is now Brampton had a huge role in Toby’s life. His cousins lived here, and he visited often. When his older siblings went to school here, he enjoyed breakfast with his mother after the school drop-off (before we sold our car). He would then enjoy dance parties later during after-school pickup. Eventually, he would go to school in this area.

Dorset Drive Public School

Following his older siblings’ footsteps, Toby attended this French immersion elementary school from grades 1-5.

William G. Davis Sr. Public School

Before ending the ride, the final stop is William G. Davis Sr. Public School. This school is significant to my family. It was attended by myself, both of my brothers, and Toby’s older brother. September 2020 was Toby’s last school experience, before collapsing in gym class one day and needed to be taken home, a few days before waking up jaundiced when his liver failed from what we later learned was cancer.

The entire ride was live-streamed. I wore a microphone to record my narration as a rode around Brampton visiting each location, reflecting on the significance of each place in Toby’s life. It’s over 4 hours long, but if you wish to see them, they’re here:

Part 1

Part 2

Part 3

Merry Christmas!

Christmas Card 2014

Movember 2014 Is Done

Thank you to everyone who donated to my Movember campaign. Your donations are very much appreciated. In total, my personal campaign contributed $103, and our team managed to raise $630!

Check out my Movember page

Image: Calculating Ideal Font Size

Increased Benefits To Families? Not So Fast

Updated December 22, 2014:


Thanks to a commenter named Liz, more detail was brought to my attention. The concerns I express in this post seem to be for naught. Check out this page for a better explanation of the Child Tax Credit.



On October 30 2014, Prime Minister Stephen Harper announced measures to help make life more affordable for Canadian families.

  • The Universal Child Care Benefit (UCCB) for children under age six will increase. As of January 1, 2015, parents will receive a benefit of $160 per month for each child under the age of six – up from $100 per month. In a year, parents will receive up to $1,920 per child.
  • The UCCB will expand to children aged six through 17. As of January 1, 2015, under the expanded UCCB, parents will receive a benefit of $60 per month for children aged six through 17. In a year, parents will receive up to $720 per child.
  • The Child Care Expense Deduction dollar limits will increase by $1,000, effective for the 2015 tax year. The maximum amounts that can be claimed will increase to $8,000 from $7,000 for children under age seven, to $5,000 from $4,000 for children aged seven through 16, and to $11,000 from $10,000 for children who are eligible for the Disability Tax Credit.


I don’t have experience with raising children who are eligible for the Disability Tax Credit. I won’t be evaluating that credit, but I welcome comments from anyone who can offer it.


All this seems like good news, right? Not so fast. After doing some number crunching, this does nothing to help struggling families. Why? Because “The enhanced UCCB will replace the existing Child Tax Credit”. This changes everything.


Spoiler: This plan causes a net loss for the poor, and benefits the well-off. There is further loss for more than one child. See examples below, or read on.

For Reference

UCCB Announcement


Canada Child Tax Benefit Information


Let’s look at some numbers. I’m going to give examples for families of 1–4 kids, from at-risk to below-average income levels.

The Situation

The current UCCB pays $100 per child under the age of 6, and is taxable. The CCTB is not taxable, and uses a progressive payout, per the example:


Ontario Child Benefit Monthly Payment Estimates as of July 2014*
Family Net Income
Number of Children $20,000 $25,000 $30,000
1 $109.16 $75.83 $42.50
2 $218.33 $185.00 $151.66
3 $327.50 $294.16 $260.83
4 $436.66 $403.33 $370.00


Let’s look at a family earning just above the poverty line at $25,000, with a child under 6.


+ UCCB: $100 (- tax payable)
+ CCTB: $75.83
= Total: $175.83 (- tax payable)


Replacing the CCTB with the UCCB Proposal, the credit from the government is:


+ UCCB: $160 (- tax payable)
= Total: $160 (- tax payable)


Net loss: $15.83 + tax payable.


What about for a child over 6?


+ UCCB: $0
+ CCTB: $75.83
= Total: $75.83


Again, replacing the CCTB with the UCCB Proposal, the credit from the government is:


+ UCCB: $60 (- tax payable)
= Total: $60 (- tax payable)


Still a net loss: $15.83 + tax payable.


A family hovering above an at-risk income experiences a net loss from this change to their tax benefits. The problem gets worse with more children. Let’s look at two kids under 6.


+ UCCB: $200 (- tax payable)
+ CCTB: $185.00
= Total: $385 (- tax payable)


Under the new UCCB Proposal, the credit from the government is:


+ UCCB: $320 (- tax payable)
= Total: $320 (- tax payable)


Net loss: $65 + tax payable.


And for two children 0ver 6.


+ UCCB: $0
+ CCTB: $185
= Total: $185


Under the new UCCB Proposal, the credit from the government is:


+ UCCB: $120 (- tax payable)
= Total: $120 (- tax payable)


Still a net loss: $65 + tax payable.


The net loss experienced by low-income families goes up with each child!


Here are tables comparing before and after, based on the examples provided earlier.


Current Payouts Under CCTB + UCCB Plans for Children Under 6
Family Net Income
Number of Children $20,000 $25,000 $30,000
1 $109.16 + $100 = $209.16 $75.83 + $100 = $175.83 $42.50 + $100 = $142.50
2 $218.33 + $200 = $418.33 $185.00 + $200 = $385.00 $151.66 + $200 = $351.66
3 $327.50 + $300 = $627.50 $294.16 + $300 = $594.16 $260.83 + $300 = $560.83
4 $436.66 + $400 = $836.66 $403.33 + $400 = $803.33 $370.00 + $400 = $770.00


Current Payouts Under CCTB + UCCB Plans for Children Over 6, Under 18
Family Net Income
Number of Children $20,000 $25,000 $30,000
1 $109.16 $75.83 $42.50
2 $218.33 $185.00 $151.66
3 $327.50 $294.16 $260.83
4 $436.66 $403.33 $370.00


Number of Children Proposed Payout Under New UCCB Plan for Children Under 6
1 $160
2 $320
3 $480
4 $640


Number of Children Proposed Payout Under New UCCB Plan for Children Over 6, Under 18
1 $60
2 $120
3 $180
4 $240

What about the Child Care Expense Deduction?

I’m pessimistic. Child care costs have increased for years in Ontario. Without a cap, like the one proposed by the NDP, there is no reason to believe they won’t continue to increase. This will quickly swallow up any increase to the Child Care Expense Deduction.

Let Me Know: Which Mo?

I’m doing something a little different this year for Movember. I’m giving you, yes you. All of you, the opportunity to tell me which mo to grow.


Movember Style Guide


But, there’s a catch. If you want to decide the fate of my mo, you have to be the single largest contributor to my donations. Anyone can change the style I grow out by offering a larger donation. Feel free to use the style guide above, or send me a photo of a mo to grow.


Will this work? I dunno.
Could this result in some weird deviant hybrid mo that should never have seen the light of day, growing on my face? Could be.


You’ll have to donate to find out.


Donate now


Carshare Coming to Brampton

There’s some very exciting news for Brampton today: Car sharing is coming! Community Carshare is coming to Brampton in the Fall of 2014.

What is Carsharing?

Carsharing “is a model of car rental where people rent cars for short periods of time, often by the hour. They are attractive to customers who make only occasional use of a vehicle, as well as others who would like occasional access to a vehicle of a different type than they use day-to-day. The organization renting the cars may be a commercial business or the users may be organized as a company, public agency, cooperative, or ad hoc grouping.”



Carsharing adds another tool to people who want to free themselves from car ownership: Providing access to cars only when they are needed. This addresses challenges in the suburbs where using transit might be possible to get to work, but a car is still required for other transportation needs such as weekends.

What is Community Carshare?

Community CarShare is a non-profit co-operative which provides its members access to vehicles on a self-serve, pay-per-use basis. The co-operative was founded in 1998 and operated first in Kitchener-Waterloo, adding service to Hamilton in 2009, Elmira, Guelph and St. Catharines in 2013, and London in 2014.


Community CarShare’s mission is to deliver a carsharing service and to promote carsharing as an important component of a sustainable transportation system. Through this the co-op seeks to reduce overall transportation costs, traffic congestion and air pollution, thus improving our community.


Reservations for CarShare vehicles can be made for as little as 30 minutes, or as long as needed, and gas and maintenance costs are included in driving rates. By filling in transportation gaps with occasional car use, Community CarShare also helps support the use of greener transportation modes such as transit and cycling. Many CarShare members also already own a car, but supplement their driving needs with CarShare reservations a few times a week.



Learn more about how Community Carshare works


Sign up for Community Carshare Brampton Mailing List


Join Community Carshare


Letter: A Bi-Directional Bike Lane

The following is a letter I sent to Brampton 311, Councillor Gael Miles, and Councillor Sandra Hames.


Hello. I’m Kevin Montgomery, a car-free resident of Brampton.


I suggest a pilot project to install bike traffic signals and a bi-directional bike lane to connect the Don Doan Trail to Bramalea GO Station. The specific locations I suggest for bike traffic signals are at the intersections of Bramalea Rd. at Avondale/Dearbourne Blvds. on the north and west sides, and at the intersection of Bramalea Rd. at Steeles Ave. on the west side, with a bi-directional bike lane connecting the two intersections on the west side of Bramalea Rd. Please see the map image with illustration for reference.


My commute usually sees me taking my bike to and from Brampton GO Station downtown. If it’s early enough (before traffic picks up), I’ll sometimes take my bike to Bramalea GO Station in the morning by way of Birchbank Rd. and Avondale Blvd. Unlike Brampton GO Station, taking a bicycle for multi-modal connectivity to Bramalea GO Station is not easily done, and especially not for the faint of heart as traffic increases. This is particularly true for northbound trips trying to leave the station during rush hour, which puts someone on a bicycle in the awkward position of trying to get to the north-east side of Steeles/Bramalea and merging with heavy, impatient, and fast-moving automotive traffic. A bi-directional bike lane on Bramalea Rd. would solve this problem for cyclists by removing the need to merge with automotive traffic at all. It would need only one road crossing on the same side as the pedestrian exit on the south-west corner of the intersection, and cut construction costs by only building one lane instead of two.


The problem of parking and the traffic it creates in that area could be easily reduced by encouraging people in the Bramalea area to make a healthier lifestyle choice, leave their cars at home, and take their bikes to the Bramalea GO Station by way of the Don Doan trail and nearby north-south Pathways. Installing bike traffic signals and a bi-directional bike lane would allow for easier, meaningful, and most importantly safe, bicycle travel and multi-modal connectivity to existing Pathways into Bramalea and onwards.


Thank you for your consideration.



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Carfree Webapp Interview

Carfree 1.1

Hi Everyone.

I feel like I owe everyone a thank you, and an apology. A thank you because the Carfree webapp started seeing steady use earlier than I expected. This resulted in one of the APIs I was using, specifically one to do an approximate geolocation based on IP address, to reach a request limit. This in turn, caused the Carfree webapp to fail. So, I thank you, and apologize for that.

I’ve switched to a new IP geolocate provider, and the webapp *should* see more stability for a while. At least, where geolocation is concerned.

So, please do continue planning trips with it, and by all means get in touch with me if you have any questions about or ideas to improve the Carfree webapp.