Money Is The Toothpick Of Hot Mistruth Sandwiches

At one point, I think I had gotten pretty good at provocative conversation, without being offensive, when it came to discussing progressive ideas. But since Toby died, I’ve had to work and continue to work very hard to build and maintain energy to get through a day. I don’t have the energy to rehearse talking points in my head, preparing for public council meetings, or the next social media spat.

But I still care about what I care about.

During my lunch today, I started chatting with an older gentleman. I’m not sure what sparked it, but he began to tell me every conspiracy-theory factoid you can imagine, smashed into one steaming hot sandwich.

I immediately felt my energy draining with every point he was trying to make that I wanted to refute. I wasn’t going to get through the day if I did so.

So, I listened, and something interesting happened. Every once in a while, he would say something that seemed to contradict what I would call a typical “conservative” narrative.

He asked about what I do, I mentioned how I work from home. He noticed that a lot of people had been moving north from the city. I mentioned how it’s become crazy-expensive in Toronto, and we both knew that Timmons, Ontario has some of the lowest real-estate prices right now. We both knew that would put pressure on cities to keep their people, and on Northern towns to build out infrastructure for more people.

He noticed that growing season has been starting earlier up north, and that Western Canada has been having drought that’s impacted food production. I mentioned about how the entire province is expected to get warmer because of climate change. And, I even got him to agree that carbon taxation isn’t terrible as long as it can be seen to be doing the work of offloading our reliance on carbon-producing products.

What do these things have in common? Money.

People will believe whatever they want. But take it from someone who no longer has the mental fortitude to argue, it’s not worth trying to break through the compacted layers of mistruths. But if you can find the money toothpick holding that mistruth sandwich together, you might just get someone to pause to think for a beat.

March 20, 2023: Overheard on the street

As I was walking to the ships, I overheard two people talking about approaching retirement.

One said: I hope I’m dead before I need a nursing home, with the way the government is right now.

Pretty damning of the provincial government.

Health care: We ride or die together.

For-profit health care means we don’t have a compelling enough case to keep it public.

By this, I mean that people have become complacent. After all, governments are elected to represent the people.

Even if one argues “broken democracy”, “proportional representation”, etc. It’s people that haven’t cared or been desperate enough to change any of it. Our election turnout in Ontario speaks for itself.

We ride or die together.

Some Changes

We’re coming up on one year since Toby died.

1 year. 12 months. 365 days. 8,760 hours, since I last told Toby that I love him. Since I heard him say he loves me. Since I’ve heard anything come from his voice at all.

It still weighs on me, clearly. I understand from other parents that have also lost their children that this is normal. It could take years to feel “normal” again, if it happens at all — which brings me to the point of this post.

I’m making, and have made, some changes.

Brampton Cycling Advisory Committee

In September of 2021, I formally resigned from the Brampton Cycling Advisory Committee. I think the letter I submitted with my resignation explains my reasons best.

“The death of my son Toby to cancer has forced me into a position where I have been re-evaluating everything in my life. One of those things is a greater emphasis on spending time with my family.

I don’t feel that I have the same energy or mental fortitude that I did when I applied for the committee. I’m not the same person that I was — the person that was appointed to serve this committee and the City of Brampton.”

Don’t get me wrong: I still think bicycles are awesome. But my style of advocacy, for better or worse, was confrontational. This was intentional. The reason was not just to be a pain in the ass (though that was kind of fun for a while), but because growth takes time in politics, undoing growth happens quickly. Transparently challenging ideas is a fast way to evaluate whether they hold any water, even though, generally, people don’t like being challenged.

The reason why I mention this is that I’m actually an introvert. Any speaking engagement I’ve ever been to has relied on careful preparation, anticipation, and attention, which left me feeling exhausted at the end every single time. I simply do not have the energy for that anymore — or at least for now. While advocacy was something I certainly cared (and still care) about, perhaps because I’ve already invested so much time in it, I don’t know that it’s something that brings me joy. It feels like an obligation, somehow. An obligation that feels misaligned with my priority of spending time with my family.


Because of the often confrontational nature of my advocacy, and observing a phenomenon called “doxing”, there were certain things I kept mostly private — or at least wasn’t very vocal about — including my full-time employment because of instances I observed where friends were reported to their employers over disagreements on Twitter.

Doxing or doxxing: To publicly identify or publish private information about (someone) especially as a form of punishment or revenge

I want to start changing that up a little bit. My work has been an important part of my life too.

For the last 11 years, I’ve been a full-time employee, in some capacity or another, for the AIR MILES Reward Program. Most recently, my role was “Sr. Content Specialist, Publishing” for Marketing Shared Services. For many years, I was able to put some of my design, and a lot of my development skills, to work within this role. But not full-time.

I recently accepted a new role, starting in January 2022, within the AIR MILES Program of “Developer, Productivity Tools”. With this move, I hope to get myself back into a headspace of designing and developing useful products for the AIR MILES marketing team, full-time.

Papineau Homes

My family has decided that it’s time for a change of scenery. We’re co-purchasing land in Northern Ontario, and will be documenting the process of creating new dwellings there — ultimately with the intent of monetizing the content to help pay for “nice to haves”. We’re calling this project Papineau Homes. We’ve already released a few videos, mostly introductory stuff. We don’t really have a release schedule yet, but I encourage anyone who is interested to subscribe to the Papineau Homes YouTube channel for updates.

The Bikeport

The pandemic has continued to take its toll on cycle training lessons for The Bikeport. I’ve been continuing to offer a service agreement for data aggregation with BikeBrampton, and starting to prototype other services that could be offered province-wide as I prepare to move to Northern Ontario. I’m also looking for ways to make it easier to manage an online shop using affiliate marketing and drop shipping services.

Other Development Stuff

Gradually, I’ve been getting back into web development. I’ve released a WordPress theme on GitHub that I use as the parent theme on all of my websites. However, I feel that the pièce de résistance of my recent development effort is converting a proof of concept I had for web typography framework, and producing a WordPress typography plug-in with it. In my mind, if you feel inclined to check out these projects, these should be considered perpetual alpha versions. I update and support them as I need to, they’re not intended for general use on WordPress sites. If they were, I would have submitted them to the official WordPress repository. 🙂

I’ll try to remember to write more on these projects later.

In the meantime, a fair amount of personal development time is going into creating my own personal finance software, using custom WordPress post types. *LOL* I’m just not happy with solutions on the market right now. Especially when it comes to creating reports on my finances that I want to see but cannot have, but could create myself for free. I might share some screen captures of that work later, but it’s definitely intended to run on personal web servers on local computers only!

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.

Road Taxes: Where The Rubber Has A Blowout

I recently read a report published by The Conference Board of Canada, titled “Where The Rubber Meets The Road: How Much Motorists Pay For Road Infrastructure”. While I recall seeing this report in October 2013, for whatever reason it failed to adequately capture my attention until 3 months later. The synopsis of the document is that motorists largely already pay a sufficient amount back towards the cost of maintaining the road network in Ontario, and do not receive significant subsidization. By the calculations presented in this report, if you add the taxes and fees people pay to drive, and compare them to the estimated costs of maintaining the road network in Ontario, drivers pay something like 70-90% of recovery costs.

While drafting this post, I discovered an article that refuted these points. Written 3 months earlier in July 2013, the article called “News flash for drivers: Cyclists are helping subsidize your ride” includes examples of how taxes actually work, and is worth a read. The post I’ve written largely mirrors these points: Fuel taxes and fees that motorists pay are not direct sources of revenue for road infrastructure. For people who drive to say that they (alone) pay for the roads is a fallacy.

The Determination of Revenue and Expenses

The detailed calculations carefully put together in The Conference Board of Canada report do not seem to show how revenue is actually collected, used, and how transportation expenses are paid for, in the service of our Ontario roadways. It is true that drivers pay taxes that are unique to them for the privilege to drive, such as Fuel and Gasoline taxes. The error lies in suggesting that they in any way supply direct revenue for the building and maintenance of the roads that cars drive on. The coffers that fund all provincial programs, including health and education, also fund highway expenditures. Calculating a ratio against the fuel taxes is no more relevant than comparing to revenue generated by cigarette, or LCBO tax collection. In Brampton, where I live, The provincial “Gas Tax” revenue is used as a grant to the municipality. Instead of paying for roads, it helps to subsidize Brampton Transit. The federal gas tax on the other hand,  which must spent on capital expenses, gets split between road resurfacing and transit bus replacements.

The publication includes costs of municipal roads and associated policing into the overall provincial cost. This is also erroneus: Municipal roads are paid for by property taxes in that municipality. If you drive in any municipality in which you do not live, then you are not paying for those roads. Unless you are evaluating the budget for the municipality you live in, the cost of maintaining and policing roads is irrelevant to Ontarians. The publication notes that the “estimate does not allow for any allocation of costs to non-users. Moreover, the results mask the issue of the imbalance of revenues and expenditures by level of government. The federal government collects a significant portion of the revenues but owns and maintains a relatively small portion of the road network, whereas local governments find themselves in the opposite situation.”

So, what does this all mean? Are road users subsidized? Or do they mostly pay their own way? Municipal property owners, inclusive of those who prefer to take transit or bicycle, pay for their municipal road networks—everyone who drives into a municipality they do not live in, are driving on roads they did not pay for. Every highway in Ontario is paid for by Ontarians through taxation, whether they drive or not. When you consider how many Ontarians outside the GTA are not using the highways within the GTA, you have to ask yourself: Who’s subsiding who?

Inherent Bias

This section is more of an aside, but something that I nonetheless found annoying interesting.

At the opening of the report, it states under Acknowledgements that “The authors thank Teresa Di Felice and Christine Allum of the Canadian Automobile Association South Central Ontario (CAASCO) for initiating and defining the research and research questions…The Conference Board also acknowledges the CAASCO for financially supporting this research. In keeping with Conference Board guidelines for financed research, the design and method of research, as well as the content of this report, were determined solely by the Conference Board. The Conference Board of Canada alone is responsible for the report’s methodology, scope, and findings.” While The Conference Board of Canada claims to be “Objective and non-partisan.” They are “Funded exclusively through the fees we charge for services to the private and public sectors.”

This doesn’t quite pass the sniff test for me. The Conference Board developed “the design and method of research, as well as the content of this report”. But the first thing you have to ask is, what are they designing for? What are the questions? Who’s asking them? The CAASCO is asking the questions, and funding the project.

Actually, perhaps that is not entirely accurate. After all, who or what is the CSSASO? “CAA South Central Ontario has a long-standing history as an innovative leader committed to meeting and exceeding the needs of Canada’s motoring and travelling public” (emphasis added). CAA is funded by many, many people who are light-duty vehicle owners. That the report concludes that “Light-duty vehicle users cover a significant portion of road infrastructure costs” is likely not a coincidence.

Licensing and Insuring Cycling

It does not make sense to license and insure cycling.


Using licensing and insuring cycling as an argument for somehow holding cycling accountable is a fallacy. It holds no basis in fact, it’s a distraction from bad driving habits. Being licensed does nothing to stop motorists from rolling stops, rolling right turns or blocking crosswalks at red lights, and of course, driving at speeds over the posted limit. These kinds of actions in an automobile kill people, and cause costly accidents.


Why does driving a car require a license? Why are drivers required to be insured? Is the government out to punish people who choose to drive a car?




Cars are expensive, and dangerous. People take out loans to pay for them, and at times put maintenance on credit. The debt a car leaves behind if it’s destroyed can take people’s lives down with it. That’s why they’re insured. Cars driven carelessly kill people. That’s why they’re licensed. Bicycles do not share these problems. That’s why they are not licensed or insured, and why it does not make sense to do so.

Response from Ministry of Finance Regarding Tariffs on Bicycles


Brampton Bicycle Advisory Committee

On May 15, 2013, Brampton Council approved the request by the Department of Works and Transportation to carry out their Bicycle Facilities Implementation Plan including the submission to become a Bicycle Friendly Community. Council also approved a request to have the Brampton Bicycle Advisory Committee I’ve been a part of for a few months officially recognized and supported.

While the next steps with the city are as of yet unclear, it’s very exciting to see that Brampton Council seems to see the promise that cycling holds as a transportation solution.

#Mississauga gets it. #Brampton #biketo