Friday, October 28, 2022

"Hippos, birdies, T. rexes and pigs" (Sandra Boynton)/ "Not just kids' stuff"

Oct. 20, 2017 "Hippos, birdies, T. rexes and pigs": Today I found this interview by Ellen McCarthy in the Edmonton Journal:


Sandra Boynton lives on a farm in Connecticut. She works out of a converted barn, surrounded by pigs in overalls, frogs wearing cowboy hats and a few skeptical sock puppets.

Because this is Boynton’s world, and in Boynton’s world, animals do whatever she wants. The charming creatures have sold tens of millions of children’s books and hundreds of millions of greeting cards, recorded six albums, nabbed a Grammy nomination and costarred in a video with B.B. King.

She is both ubiquitous and anonymous. She’s one of the bestselling children’s authors and card designers of all time, yet is rarely recognized in her own town.

This year marks the 40th anniversary of her first kids’ book, and has released her latest record, Hog Wild! A Frenzy of Dance Music, which includes a Laura Linney/“Weird Al” Yankovich duet.

Boynton is 64. As a four-year-old in Philadelphia, she was hospitalized with encephalitis. She doesn’t remember much except it was scary, and Bruce, a slightly older boy, always looked out for her. But she knew, somehow, he wasn’t going to make it.

Somewhere around the same time, she illustrated a short paper book.

Her intention then? And now? “I think,” she says, “trying to create safety.”

Boynton grew up Quaker. Her mother was a funny homemaker, she says, and her father a brilliant English teacher and headmaster of the school she and her three sisters attended.

She enrolled at Yale to become a theatre director. To help pay for university, she painted the cartoon-style animals she’d been sketching since childhood onto gift cards and sold them to shops.

Then she was introduced to the founders of a Chicago upstart called Recycled Paper Greetings. Mike Keiser and Phil Friedmann offered to pay her $50 a design. “I want a royalty,” she remembers saying. “They said, ‘It’s just never done.’ ” But in the end, they agreed.

When Boynton signed on, the company was doing about $1 million a year in sales. Within five years their annual revenue topped $100 million, almost all because of her.

Her bestseller was a twist on the birthday song: Hippo Birdie Two Ewes. Boynton’s designs made them all multimillionaires.

When Boynton was at Yale, her mother nudged her to take note of a classmate who’d won a bronze medal for slalom canoe in the 1972 Olympics. “I said, ‘Mom there are 1,200 people in my class,’ ” Boynton remembers. “And she said, ‘I’m sure he’s more interesting than all of them.’”

Boynton’s senior year, she wound up in an acting class with the handsome paddler, and by the end of the first semester, she and Jamie McEwan were in love.

Publishers passed on a children’s book she’d written, so in 1977, Recycled Paper Greetings published Hippos Go Berserk! It sold 50,000 copies and got the publishing world’s attention.

Boynton and McEwan married in 1978 and bought an early 18th-century farmhouse in the Berkshires, where McEwan could continue his training.

Here, for the past 35 years, Boynton has shifted attention between her great loves: Jamie, their four children, and those spirited little animals that keep scampering out of her psyche.

Read through a bunch of lists of “best books for toddlers,” and Sandra Boynton is, well, often not there. She’s not frequently mentioned in the same breath as Dr. Seuss or Maurice Sendak, who was one of her professors at Yale.

In Boynton’s books, there’s no overt moral messaging. There is only joy. But for parents of tiny humans — perpetually on the verge of collapsing into tears — joy is everything.

Darcy Boynton, Sandra’s youngest, says: “We hear a lot from parents whose kids have been really sick or who had really tough times as babies and young children and talk about how my mom’s books helped them get through that time.”

Sandra Boynton is warm and funny, with a throaty voice and a soft, easy smile.

Wendy Lukehart chooses children’s books for the D.C. public library. And to Lukehart, Boynton deserves a rank beside Seuss and Sendak. “I just think she’s brilliant. The wonderful thing about her books is that you can use them to develop children’s sense of humour.”

In 2015, The New Yorker published a review of Boynton’s works. The author, Ian Bogost, wrote that Boynton’s books are “rich works that all of us can and should enjoy far longer than the tiny sands that slip between crawling and preschool can measure.”

She’s said no to an awful lot: licensing agreements, television series, tchotchkes at grocery-store checkouts.

One idea she said yes to was making music. The list of names to appear on her albums is jawdropping: Meryl Streep, Alison Krauss, Ryan Adams and Kate Winslet, among others.

Jamie was always her sounding board, “just my best editor and check,” she says. He was also “the greatest person in the world.” Jamie died of cancer in 2014. She doesn’t believe in the idea of grief passing. “To me, for a healthy person it never ends,” she says.

For her, the act of creating feels like “a place of not existing — of being in a kind of zone.”

“I’m obviously creating a world that in certain ways is simpler and more benevolent than it can be,” she says. “Except I think that’s a kind of truth about the world, too. The world is so many things. Why not posit a kind of benevolence? And humour.”



Aug. 12, 2017 "Not just kids' stuff": Today I found this article by Shannon Ozirny in the Globe and Mail:

For most bookish adults, the actual reading of a teen book – decoding and comprehending the content – is easy. So it’s natural for the assumption to follow that any controversy that arises in the world of books for young people must also be easy, too.

But the controversies of YA publishing shouldn’t be considered the toddler tantrums of the grown-up literary world. They often bring to light tough, complex questions that readers, writers, publishers, librarians and educators debate passionately, with seemingly no grey area to be found.


The latest controversy – an article published this week by New York Magazine – is being debated even more passionately than usual. It’s a subject that is has become so inflammatory that even an attempt at a neutral description will likely offend some.

Luckily, in this case, the article’s headline and byline do most of the work: freelance writer and YA author Kat Rosenfield wrote a long piece titled “The Toxic Drama of YA: Young-adult books are being targeted in intense social media call-outs, draggings, and pile-ons – sometimes before anybody’s even read them.”

Rosenfield focuses on the prepublication social-media reaction to The Black Witch, a debut YA fantasy novel by Laurie Forest about a teen girl living in a kind of caste-based society.

Rosenfeld argues that the buzz before The Black Witch’s release was positive until an adult book blogger deemed it flagrantly and irresponsibly racist and made condemning the book a “clarion call for YA Twitter, which regularly identifies and denounces books for being problematic [an all-purpose umbrella term for describing texts that engage improperly with race, gender, sexual orientation, disability and other marginalizations].” 

Rosenfield uses this, in addition to quotes from several anonymous sources, as evidence in her argument about “a growing dysfunction in the world of YA publishing.”

Not surprisingly, the backlash was intense. The backlash to the backlash was intense. Even Roxane Gay got dragged into the fray after retweeting Rosenfield’s article, with some accusing her, simply by retweeting the piece, of stepping into a debate she has no business entering (Gay doesn’t need a reason to retweet anything, but it’s relevant that she has a YA book coming out in 2018).

To be clear, I’m not here to offer an opinion on whether or not The Black Witch is racist. I haven’t read it yet and I didn’t review it in my column on YA books, which runs in this newspaper, for a few reasons, including the fact that it didn’t seem to have an obviously new or inventive premise, nor was it by an author from a marginalized or underrepresented community – all things I keep in mind when deciding what to review.

In my work as a youth librarian, I often do school visits for groups of very young children and when I ask if anyone has a question, a kindergartener will inevitably raise their hand and scream out, “I have a dog!” This spawns a gentle conversation on the difference between comments and questions. I come to this latest controversy in the spirit of the questioner, not the screaming canine commenter.

What I do have to offer is the observation that this kind of intense, emotional debate on books for young people springs, in part, from an age-old, core question for anyone working in this field: 

What is the role of the adult in creating, disseminating and recommending books for teens? 

Because it’s trickier for teens than for any other audience.

Most accept that books for children require some sort of adult gatekeeper to physically put enriching, inspiring books in the hands of infants and to help steer older children toward what is developmentally appropriate. Most also accept that books for adults have, if not gatekeepers, tastemakers to help folks wade through the sheer mass of what is published in a given year. 

But what about teens? How involved should adults be in deciding what’s worthwhile, and what is so offensive that it could be permanently damaging?

This is something that repeatedly comes up in the graduate course on children’s materials that I teach at the University of British Columbia. It can be frustrating and divisive – everyone in the room was a teen once, so aren’t we all experts? 

And we’re not alone in our dogged questioning; for decades – if not centuries – children’s and YA scholars have attempted to figure out what to do about the inescapable influence of adults in books for young people.

One of the most well-known, Dr. Perry Nodelman, professor emeritus at the University of Winnipeg, wrote a seminal book back in 2008 called The Hidden Adult: Defining Children’s Literature. To condense his 300-plus-page book into one sentence, Nodelman argues that adults inevitably have their influence all over books for children – as the creators, evaluators and buyers, it’s impossible for their shadow not to loom large.

And that adult shadow, as Rosenfield demonstrates with ample evidence, can become overpowering when social media is involved. But I don’t believe that Rosenfield has uncovered a singular problem labelled “YA Twitter.” 

Her article details far larger debates that those of us working with kids and teen books struggle with every day: 

Am I guilty of censorship if I withhold this book? 

Where is the line between intellectual freedom and hate? 

How can I passionately and productively disagree when I think a book does harm? 

Am I being influenced by social media in my appraisal of this book and, if so, how?

An article – or a series of articles – delving into these questions with multiple perspectives would have been less inflammatory and, more importantly, given a fuller picture of the YA Twitter community. My Twitter feed is full of YA authors, editors and publishers. I check it approximately every 19 minutes. Rosenfield’s article was the first I ever heard of The Black Witch controversy. I missed it completely. The discourse around YA on Twitter is not all mouth foam – far from it.

So the Coles Notes version of this controversy should neither read “YA people are psychos” nor “Rosenfield is a hack.” Rosenfield wrote a piece about a series of debates and tough questions – some new, but most very old – framed and executed as an exposé rather than a discussion. 

And that’s fine. But just as you shouldn’t form an opinion about all of YA literature after reading just one book, Rosenfield’s shouldn’t be the one article you read to get a sense of today’s YA publishing climate.

Shannon Ozirny is head of youth services at the West Vancouver Memorial Library. Her column Grown Up-ish appears monthly in The Globe.

Editor's Note: In an earlier version of this article it was stated that Dr. Perry Nodelman’s book The Hidden Adult: Defining Children’s Literature was published in the late 1980s. In fact, it was published in 2008. Nodelman’s book Words about Pictures: The Narrative Art of Children’s Books was published in 1988.







Friday, October 21, 2022

"Part-timers need to think more like an entrepreneur"/ "Get a handle on your net worth"

Nov. 12, 2016 "Part-timers need to think more like an entrepreneur": Today I found this article by Garry Marr in the Edmonton Journal:


Here’s the secret to getting benefits in a world of part-time and contract employment: Buy your own plan. 

You’re going to need it. Nobody wants to hear that when they’re struggling to find a job or unsure where that next contract will come from, but it’s a reality in today’s economy.

Maybe it’s nothing new to millions of Canadians struggling under that type of employment situation, but it takes on an appearance of permanence when the federal finance minister tells you the situation won’t get any better.

In a speech in Niagara Falls, Ont., last weekend, Bill Morneau said Canadians need to be ready for “job churn” as the economy changes.

“We also need to think about, ‘How do we train and retrain people as they move from job to job to job?’ Because it’s going to happen. We have to accept that,” Morneau said.

The problem is few Canadians seem to be planning for that new economy, either by saving for gaps in pay or dealing with a major shortfall in medical and disability coverage that results from not having full-time employment and the corresponding benefits package.

“The days of having one pension plan or one benefit plan (for life) are long over,” said Clay Gillespie, a Vancouver-based financial adviser and managing director of Rogers Financial.

“If you’re contracting, you need to get your disability, your own life insurance, your own health insurance. You need to know whether to (insure) yourself (by buildings a savings fund) or go into a private plan.”

The self-employed have long dealt with these issues, but now they’re poised to go mainstream.

“You’re essentially running your own business, which means you need to take care of your benefits,” Gillespie said, adding that might even mean paying your own income taxes instead of getting them deducted at source. “It’s pretty important to know you have money at the end of the day to pay the government.”

Benefit packages are not an easy sell for Gillespie, who advises on them and does get a commission. 

A 40-year-old male seeking a 10-year term-life insurance policy for $150,000 would have to start paying $15.21 a month for coverage; to guarantee 50 per cent of a $75,000-a-year salary in the event of disability, payments would cost $141.16 a month.

A 40-year-old female making $75,000 per year would pay $12.39 for that life insurance and $201.88 for the disability package. Those figures are all based on a white-collar job with a 90-day waiting period before a claim can be made.

A medical plan, even the most basic one — covering just you for up to $5,000 of drugs annually with a 30-per-cent copayment on the first $750 and a dental plan with $750 maximum and copayments — would cost $65.70 per month. That plan would come with other benefits such as emergency travel.

“Listen, it’s more expensive than buying a benefit package (at a fulltime job),” Gillespie said, adding that the major advantage of a personal plan is it follows you from job to job because you control it. 

A disadvantage is your private health plan may have a maximum on drugs and the potential of some costly medical treatment means you need a different way to fund that, such as a critical care policy that pays a lump sum if you are diagnosed with a specific illness.

Benefits can easily be worth 10 per cent of your pay, more in the public sector, said Paul Sywuly, vice-president of innovation at Morneau Shepell, the company started by the finance minister’s father, which operates in the benefits and pension industry.

“There is definitely a trend to risk and responsibility transfer,” said Sywuly, whose company has started selling a benefits product for retirement to fill a void created by companies exiting that coverage.

Sywuly said he doubts many contract employees are buying their own benefits. He didn’t have numbers, but said it wouldn’t surprise him if less than five per cent had independent benefits. Few people seem to be saving or thinking about saving for a rainy day.

Consider the fact the Canadian Payroll Association (CPA) found 48 per cent of Canadians are living paycheque-to-paycheque — and that figure is made up of mostly full-time employees.

“This number is probably lower than it was in the general marketplace,” said Patrick Culhane, president of the CPA, adding that contract employment is on the rise.

His company sent out its survey to 5,600 people this year and found 87 per cent who took part were full-time workers, seven per cent part-time, three per cent contract, two per cent were students and one per cent unemployed. 

Seven years ago, 92 per cent of respondents were full-time, five per cent were part-time and two per cent were on contract.

Jeff Schwartz, executive director of Consolidated Credit Counselling, said the reality is most of this discussion is aimed at younger people and they need to start preparing.

“We want them to say early on in their career, ‘Hey this is one position, how am I going to prepare myself for the next position,’ ” he said. “You have to start saving and living within your means. Celebrate the fact you’re in the working world, but it’s not like you won the lottery.”

How do you prepare for this new world reality? Schwartz said it can take a long time to build up a nest egg based on what you’re earning and paying for benefits will only slow you down. 

“It means living more frugally, when you have to,” he said.




Jun. 5, 2017 "Get a handle on your net worth": Today I found this article by Gail Vaz-Oxlade in the Metro on Jan. 5, 2015:

Last year came and went faster than Usain Bolt. Whew! While a lot of people wrote and tweeted me to say they’re finally taking control of their money, I also expect some lived like there would be no tomorrow and are now looking at a hot, stinky pile of, um, mess that they now have to clean up.

If you just couldn’t figure out how to make your money work in 2014, consider this your opportunity for a new start. It’s time to take another kick at the can.

I’m a great one for making mistakes. I used to think I had to be perfect. Then I had kids and realized I’d never be perfect again, so I decided I’d better get used to just being pretty great.
I’m not afraid of making mistakes — or getting caught — anymore. Now I just say, “I’m sorry,” and move on to the next step, having learned from my mistakes.

Of course, learning from mistakes means first acknowledging what a big screw-up you’ve been. 

Have you found yourself running out of money between pays? 

Wondering why the debt just will not go away no matter how hard you try? 

Always seem to be in overdraft? 

Want things to be different this year?

Take a snapshot of where you are right now so you have a benchmark for measuring how you’re doing throughout the year. 

Say hello to your net worth, which is a look at what you own minus what you owe to see how much you realio, trulio, have got.

Fanatics do a net worth statement as often as every month. But you should have a life, so doing a net worth update every six months or so should suffice.

There are several net worth calculators on the web. If you want to use the one at gailvazoxlade.com, look under Resources for the Net Worth Statement.

Don’t try to skew the results in your favour. The point of the net worth statement is to give you a realistic picture of where you are now so you can measure your progress.

People routinely include their personal effects as an asset. Don’t. These aren’t very saleable and you’re just deluding yourself if you assign your things more value than you could ever realize from selling them. 

Ditto for collectibles unless you’re in the biz. If you do believe you have something of value, have it appraised. Don’t just guess.

One asset we like to push up the value on is our home. The house two blocks over just sold for $1.7 million? Jeez, that puts you in a pretty good place.

But just remember, Ms. Happy-I-Own, unless you’re planning to sell that home and move somewhere cheaper, those assets are going to be tied up for a long time. Don’t get over-enthusiastic about real estate values, particularly in an up market. Feeling smug to the point of not building other assets, say for retirement, isn’t the point of the net worth statement.

While the current value of your pension plan is an asset, it can be challenging putting a present-day value on that future income. So for your net worth statement, include the amount you could withdraw if you changed jobs.

On the liabilities side of the equation, don’t forget to include your

 overdraft (if you’re in it), 

buy-now-pay-later purchases on which you still owe money (even if it isn’t due yet), 

back taxes, 

money you’ve taken from your RRSP to buy a home or go to school, 

and (heaven forbid) pay-advance loans.

Having taken this snapshot, you’re going to use it as your guide for moving forward. 

As long as you’re paying down your debt and adding to your savings, your net worth will keep going in the right direction. 

Tracking your net worth will also help you see how you’re progressing toward your goals.

Trying to build up a down payment for a home? Want to take full advantage of the Canada Education Savings Grants for your kids? 

Setting a goal for what you want to accomplish will make it much more likely to happen. 

Using your net worth statement to track your progress keeps the goal front and centre in your decision making.

Owe more than you own? Don’t become disheartened. 

The point is to make a plan for changing what you’re doing so your next net worth update shows progress. 

Do nothing different and you can expect to be no further ahead the next time the calendar clicks over.




This week's theme is about saving money:


"'Here's how this woman saves $1K a month or more on groceries"/ "6 strategies to save on your next grocery bill"

Tracy's blog: "'Here's how this woman saves $1K a month or more on groceries"/ "6 strategies to save on your next grocery bill" (badcb.blogspot.com)


"We asked personal finance experts how to find 'hidden money' ASAP"/ "Smart financial goals to set while you're still young"

Tracy's blog: "We asked personal finance experts how to find 'hidden money' ASAP"/ "Smart financial goals to set while you're still young" (badcb.blogspot.com)



My week:


Oct. 14, 2022 CX building: I was sick the week before.  I didn't go to Samuel's joint birthday party with his friend.  I then feel good and I went to the party today.  There were 9 of us.  I was there from 6-10pm.

Sepp's Pizza: D and his little sister V bought pizza.  I ate a vegetarian and vegan pizza with red and orange spicy peppers and spinach.  It was a thin crust.  Average.



Quelf board game: I thought this was an average board game.  I didn't really like it:

"Quelf is the unpredictable party game that gives Random a new name!

Whether you're answering hilarious trivia, performing ridiculous stunts, or obeying silly rules, Quelf will inspire you to use your creativity, wit and sense of humor in ways you've never imagined.

As you move around the game board, as one of eight quirky characters, crazy things start to happen. Your friends start talking strangely. Your mom's face is wrapped in toilet paper. Your dad is acting like Dracula. And you are reciting a poem about your armpits.

Cards:
Stuntz - balancing acts, costume creations, daredevil moves, weird contraptions
Showbiz - mime, sing, tapdance, draw, do impressions, write poetry
Quizzle - mind-twisting trivia, nutty riddles, brain teasers
Rulez - rules you must follow: snort like a pig when you laugh, say everything twice, roll the dice with your elbows
Scatterbrainz - choose one of two topics and everyone gives answers until no one can think of a valid one ("Ways to get your leg out of a spring-loaded, steel bear trap" or "Brands of Lipstick")

Characters:
The Platypus
Mr. Lugnut
Super Ninja Monkey
The Dude
The Biscuit Farmer
Queen Spatula
Batbileg Chinzorig
Mrs. Pickle Feather"



Hamsterolle: I didn't play this, but I saw others play it.  This was average.

"Imagine a hamster's exercise wheel, divided into numerous segments and separated by low fences (built obviously for a National Hunt racing hamster).

In Hamsterrolle, the players each receive seven wooden pieces, which they aim to place (one per person per turn) within the wheel without any pieces falling out. Any pieces dislodged are taken back as a penalty, and the first to get rid of her pieces wins."


Oct. 15, 2022 M's house party: There were 5 of us.  M, A, D, and his sister V and me.  I was there from 6pm- 12am.

Facebook: I used M's computer so I can upload 119 photos from my digital camera to Facebook.  

The Man from Toronto: They picked this movie.  I have never heard of it and I wouldn't have picked this for myself.  

"The world's deadliest assassin and New York's biggest screw-up are mistaken for each other at an Airbnb rental."


My opinion: I wasn't paying attention to the movie much in the first half because I was on the computer posting pictures.  When the action came on, I watched the last half of it.

I would say this movie was average and solid.  6 out of 10.  I will write more about this in another post.

Tarot and oracle cards: M then read our future and life.  She has 12 decks.  She read the meaning of the cards in the book and added her explanation.


Oct. 18, 2022 Band candy: Around 7 pm, the doorbell rang.  I thought: "I hope they're selling candy."  It was an East Indian boy wearing glasses and a hoodie selling chocolate almond candy.  It was $3 for a box.

Tracy: Is this for school?
Boy: Yeah, it was for my Ottewell band camp trip.
Tracy: I went to that jr. high school.  What instrument do you play?
Boy: Clarient.  You?
Tracy: I don't play an instrument, I just went to the school.
I bought a box.


"Taxi scammers are conning Torontonians again. This woman wants you to know the warning signs": Today I found this article by Vanessa Balintec on CBC: 

Saja Kilani didn't think twice when she was stopped on the street Sunday by a young boy asking for help paying his cab fare.

She says he told her the driver only took card payments, but he only had cash. If she paid the driver, the boy told her, he would pay her back.

"My first thought is... if someone is in a desperate situation, I would want someone to help me in that situation," said Kilani, who's from Toronto.

Despite her willingness to help, red flags kept popping up. 

First, the driver asked for her card, and when she handed it over, the boy tried to get her attention by bombarding her with questions. 

And when she put in her PIN and reached to take her card back, the driver snatched the machine away and returned a card that didn't have her name. 

That's when she realized what happened, got her actual card back, and cancelled it soon after. But not everyone is so lucky.

"I know it's hard to admit that I've fallen for a scam, but I'd rather admit that and have people not go through it," said Kilani.

"If I had seen this online before… I would have avoided it."

That's what led Kilani to post her experience on TikTok. In just one day, she got more than 800,000 views, 75,000 likes and over 2,000 comments on her post, which includes part of her encounter with the alleged scammer.

It even caught the attention of Meaghan Onorato, who put up a similar post that went viral in May on the same platform after getting scammed in a similar way. In her case, she lost $1,400 before her bank refunded it.

"I'm not surprised, but it's really saddening, I think, to hear that it's still happening to people," said Onorato.

Kilani and Onorato fell victim to a textbook taxi cab scam — when drivers, often with an accomplices, steal customers' card information by distracting them then swapping it with a different card. While this type of scam isn't new, Toronto police Const. Marco Ricciardi says the service has seen a "pretty significant" increase, and anyone could be a victim.

"You have to be aware that if someone is saying that their taxi cab is not accepting cash, that's the first flag," said Ricciardi.

Ricciardi says people should keep an eye out for cabbies who say they don't take cash, since all licensed taxi companies take cash as payment. And if you fall victim to this scam, make sure to report it to your bank and the police, he says.

But if you find yourself questioning if a cab is legit?

"Just walk away, because it's going to save you a lot of heartache and a lot of money," said Ricciardi. 

Taxi scammers are conning Torontonians again. This woman wants you to know the warning signs | CBC News


Oct. 19, 2022 "Nanny Claims She Was Fired After Catching The Dad Cheating On Wife With His Sister": Today I found this article by Megan Quinn.  Jules Green tells the mother on the phone:

Upon delivering the news to the mother, Green claims she was silent until she asked why Green was in the laundry room since she didn’t remember giving the nanny “clearance” to go there.

After Green explained that she placed the dirty laundry downstairs to keep the baby from getting into it and to help the housekeeper, the mother told her she was fired since she “clearly can’t follow rules.”

When Green left her key with the house manager, she advised her that there were “weird” activities going on within the family.

The housekeeper kept a straight face while reminding Green of her NDA.


“Mega-rich people are so bizarre,” one user wrote.

“Dirty laundry, the humor of it, even the baby knows,” another user pointed out. 

Others believed that the mother already knew of her husband’s actions judging by her response.

“She knew already definitely and didn’t wanna relive someone telling her AGAIN and decided to fire you,” one user suggested.

“Related to rich people so I know this act very well. They knew, they get aggressive cuz their veil of glamour’s been pulled off. Then they remove you,” another user shared. 

Nanny Claims She Was Fired After Catching The Dad Cheating On Wife With His Sister (msn.com)


My opinion: The mother seemed to know or suspect her husband was cheating on her.


"We asked personal finance experts how to find 'hidden money' ASAP"/ "Smart financial goals to set while you're still young"

Apr. 26, 2022: I found this article:


Apr. 20, 2020 "We asked personal finance experts how to find 'hidden money' ASAP": Today I found this article by Truc Nguyen on CBC news:

If you've been financially impacted by COVID-19, or are generally concerned about how your household finances might fare in the coming months, one expert recommendation is that you cut both fixed and variable expenses where possible to immediately improve cash flow. 

By doing so, you'll create more breathing room in your monthly budget, ensuring that any money or income that you do have available can go toward necessities like "paying bills, keeping a roof over your head, and buying groceries." 

To help you identify 'hidden money' in your budget, we reached out to three Canadian experts — finance writer Renee Sylvestre-Williams, personal finance commentator Preet Banerjee​, and Liz Schieck​, a ​certified financial planner ​at The New School of Finance — for their budget-trimming ideas, downgrading how-tos, and other spending (and savings) strategies for these unprecedented times.   

The first thing to do, say the experts, is to go over your bills and statements to see where your money is going in the first place — this will help you identify potential savings quickly for your personal situation. 

"Gather your debit and credit card statements for the last two months and create an itemized list. 

And every item on that list of expenses has to go into one of three categories: keep, eliminate or reduce," says Banerjee. 

By doing this exercise, you might that you're not even using some of the subscriptions, memberships and services that you normally spend money on. 

"It's really easy to forget about all the different apps and things that you might have signed up for that are being charged automatically," says Schieck. "Even though you might want them during normal life, you might not use them so much when you're stuck at home." 

She recommends reviewing all your expenses to find the line items that aren't bringing you any value anymore, or that you're definitely not going to use during this period of self-isolation. 

Once you've done that review and assessment, here are some ideas for freeing up money in your budget. 

Ask for discounts on your fixed expenses

You might be able to free up money in your budget by reducing some of your fixed expenses like telecommunication costs and bank fees — it just takes time to reach out to your service providers online or via phone. 

"Generally speaking, it's always a good policy to look at all your insurances every year and see if you can find a better deal," says Sylvestre-Williams. "Look at your phone bill and your internet, and call your provider to discuss options." 

In some cases, it can take just minutes to negotiate a loyalty discount, sign up for a new (and cheaper) plan, or find a new service provider who can offer a better price. There might even be special pricing or financing measures available at this time because of COVID-19. "[Companies] understand that people are under pressure in terms of loss of income," says Banerjee. 

Notably, some auto insurance providers have been offering rebates and reduced premiums to drivers who are on the road less often as a result of social distancing — the catch is that often you have to ask for the savings. "I wouldn't wait for them to offer that discount... I would call up proactively and see if you can get a discount," says Banerjee. 

Put memberships on hold 

Eliminating recurring expenses that you've either forgotten about or no longer need right now is one way to quickly find 'hidden money' in your budget. 

"Identify them, and contact those providers to either cancel them for the time being, or see if you have any options where you can have a moratorium on payments," says Banerjee. 

Examples of annual or seasonal charges — some of which might be set up for autorenewal — could include things like social-club memberships, professional organization fees or even fishing licenses.

Gym memberships — which generally aren't being used during social distancing, although some instructors and gyms are offering online workouts — can be put on hold in favour of free online classes, too, suggests Sylvestre-Williams. Similarly, you can try to pause or cancel charges for public transportation passes, co-working space memberships, and other monthly spends. 

Cancel any subscriptions you don't need

Subscription creep is a phenomenon that can negatively impact your budget. "We have this subscription economy where there are so many things that are now subscription-based; for example, your computer software that used to be a one-off license for $150 might be $8 a month now," says Banerjee. "It seems like a small thing, but all those little subscriptions add up over time." 

He suggests auditing your subscriptions on an annual basis, at minimum, to see if you still use them. "We tend to sign up for subscriptions fairly liberally, and then sometimes we forget about them. And we still have those expenses coming out even if we're not using those services," says Banerjee. 

Right now, for example, you might want to keep at least one video-streaming service while you're spending a lot of time at home. But you could save money by cancelling any other similar subscriptions for now, and switching things around later. "Keeping one streaming service makes sense, but having three at the same time rarely does," says Banerjee.

Downgrade the subscriptions or services that you're still using 

Even with memberships and subscriptions that you still need or want to keep while social distancing, you can save money each month by downgrading the plan that you're on, says Banerjee. "When you go through the items [on your statements] line by line, make sure that you think about what it is you could downgrade to save money," says Banerjee. 

For example, you may be signed up for a Premium plan with Netflix because it offers HD and ultra-HD quality streaming; but for now, the cheaper Basic or Standard monthly plans might make more sense with your budget. Similarly, if you're mostly at home and using WiFi, you could temporarily change your cell phone plan to a cheaper package with less data.   

Use up loyalty points, store credits and gift cards

If you're in any loyalty or reward programs — perhaps with a credit card company, retailer, hotel chain, or airline — see what you can use them for that might be helpful right now. Your airline frequent flyer miles could be redeemed for gas or hardware store gift cards, freeing up cash for necessities like rent or groceries. 

Similarly, this might be a good time to review and use up any store credits or gift cards you might have sitting around as needs arise.  

We asked personal finance experts how to find 'hidden money' ASAP | CBC Life

  • 2 years ago
I accidentally made money by helping 6 elderly couples who are friends with my parents. Since i work in a grocery store, I made sure to buy groceries for each family everyday after my shift ends. They offered me $10-30$ each for 'my trouble'. So my families' weekly groceries are paid for because I decided to help. he tips were thrown at me and they refused taking the groceries without me accepting the tip. So many are in need like them. I'm telling you, if you know an elderly person, knock on their door ask them if they need anything at all, you'll see how grateful they are. Forget about making money now, think about helping those that are afraid to leave their house because they don't have a car, or money for a cab or a mobility issue or cannot wait in line for hours or cannot leave the house early to make it in time for their seniors' hour. In time, the universe will reward you, please help the elderly. « less
     
    • 2 years ago
    Thought this article might offer some meaningful suggestions. Cancel memberships and subscriptions you don't use? Please...
       
      • 2 years ago
      Reply to @Jason Bernard: Yet you'd be surprised how many people have ongoing small expenses and never look at their bank statements.
         
        • 2 years ago
        If you are a 2 car family, getting rid of one could be a pretty huge savings. Most cars sit idle for over 90% of the time if you commute. Get a decent e-bike to replace that car for getting groceries and doing local stuff if possible can also cut costs significantly too!
        Apr. 27, 2022 "Smart financial goals to set while you're still young": Today I found this article by Mitchell Glass on the Financial Post:

        Between graduating college, maybe starting a family, climbing the career ladder and squeezing in a social life — it’s hard to find time to think about smart financial goals when you’re young.

        But you have to make time.

        Setting the right financial goals now can change the trajectory of your life. 

        There are some ways in which it’s impossible to make up for past mistakes or make up for lost time.

        Your future self will thank you if you hit these three essential goals.

        1. Learning to live with a budget

        Living within your means is a habit that sets the foundation for the rest of your financial plan. The quicker you develop this habit, the better.

        If you’re not developing good habits, you’re developing bad ones. And bad budgeting when you’re young can lead to costly consequences that last long into adulthood.

        Kickstart your budget planning with a simple four-step personal finance audit.

        Perform a savings and income audit

        To start, you need a clear picture of what you’re working with. 

        Write down all your bank account balances, 

        noting which funds are easily accessible

         and which are tied up in illiquid investments. Then, jot down your expected net income per pay period.

        Nail down fixed expenses

        List out all your fixed and variable expenses. Fixed expenses stay consistent each month, like car payments, cellphone bills and health insurance.

        Variable expenses, including groceries, entertainment and utility bills, fluctuate each month. For these, you’ll need to estimate — or better yet, track your expenses with an automated budgeting app.

        Once that’s done, calculate your cash flow by subtracting your total monthly costs from your expected monthly income.

        Minimize variable costs

        Your goal is to maximize cash flow while maintaining a pleasant standard of living. To do this, look for ways to save on your variable costs. 

        That might mean preparing more home-cooked meals, 

        adjusting the thermostat 

        and taking advantage of coupons and discounts.

        You might also be able to reduce certain fixed costs, though it can be more difficult. Your rent certainly isn’t going down unless you pack up and move.

        However, payments like your cellphone and insurance bills deserve regular scrutiny. While you probably did your research and chose the best option when you first signed up, new deals and better offers pop up all the time. Don’t just set it and forget it for years on end.

        Choose your budgeting method to reach your goals

        After calculating the money you have coming in and out, choose a budgeting plan of attack. The best budgeting strategy is the one you’re most likely to stick to. This can vary from person to person, so explore all the different budgeting methods to see which suits you best.

        2. Jump starting your nest egg

        When you’re young, it’s important to consider your short and long-term finances together.

        As you set up your budget, try to set aside 10 per cent to 15 per cent to contribute to your retirement fund. If that’s not doable, contribute as much as possible, then set goals to increase contributions over time.

        Retirement may seem like eons away, but investing young can have a dramatic effect on your eventual portfolio size.

        For example, if you invest $1,800 at age 20 — just $150 per month — and earn an average return of seven per cent per year (compounded monthly), your portfolio would grow to nearly $48,000 by the time you retire at age 67. 

        If you waited until you’re 40 to invest that $1,800, it’d be worth less than $12,000 by age 67.

        That’s the difference 20 extra years of compounding has on a small, one-time $1,800 investment. With ongoing contributions, the benefits of investing young are even more jaw-dropping. 

        If you are unsure of traditional investing avenues, such as stocks, you can also look into alternative options.

        That said, before you start investing for retirement, you should build a solid emergency fund.

        3. Creating a debt control plan


        Oftentimes, long-term financial success comes down to managing debt wisely.

        Over half of four-year university graduates leave college with student debt. And 69 per cent of student debt holders also have other forms of debt, including credit card debt and car loans, according to a U.S. Census Bureau survey.

        Not all debt is bad debt, but it can easily complicate your financial goals. When loan payments eat up your entire monthly income, your saving and investing goals get put on the backburner.

        If you learn to manage your debt while you’re young, you can prevent it from spiralling out of control.

        Set up a debt repayment plan

        Your debt repayment plan will vary on your specific loans and rates. But it generally makes the most sense to repay your most expensive loan first. If your debt already feels out of control, call your lenders. Believe it or not, they probably want to help.

        Use credit wisely

        Debt gets a bad rap, but it’s often a necessary evil for expenses that will improve your life. You need some sort of debt to build your credit score, with few exceptions.

        Debt isn’t something you should completely avoid because as your credit score grows, you can lock in better rates on auto loans and mortgages.

        The key is using debt responsibly. That usually comes down to paying off your bills on time each month and not biting off more than you can chew.

        To see where you stand credit-wise, you can request a free credit score.

        By working toward these three goals, you’ll be well on your way to hitting all your money-related targets and objectives.

        This article was created by Wise Publishing. Wise is devoted to providing information that helps readers navigate the complex landscape of personal finance. Wise only partners with brands it trusts and believes may be helpful to the reader. This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

        Smart financial goals to set while you're still young | Financial Post