The Value of a College / University Dropout

We have all heard of the bizillionaire who dropped out of College and became fabulously wealthy and happy, but let’s face it, you are not Marc Zuckerberg or Bill Gates.  You can also find the odd 90 year old still smoking a pack a day, but again, we both know that won’t be you, so you had better plan ahead and education is the single largest non-subjective predictor of a solid financial future. Let’s quickly look at some of the…

How Long Does A Company Have To Notify Employees of a Data Breach under GDPR, PIPEDA and PIPA

If a company has a data breach involving personal data (i.e. staff names, addresses, Social Insurance numbers), there are three laws that may apply in Canada: 1 – PIPEDA – Personal Information Protection and Electronic Documents Act – Canada PIPEDA is Canada’s federal law covering cyber privacy and mandates that “… notification shall be given as soon as feasible…”.  We have called the Office of the Privacy Commissioner who is the regulator and asked for clarification on what “…as soon…

Alberta Provincial Debt By Political Party and Lending Nation

The simple sunburst graphic below shows: how much debt Alberta has as of March 2019 which political party took on that debt which countries Alberta owes money to According to the Tax Payers Federation of Canada, Alberta is currently adding debt at a rate of $344 per second, $20K per minute, $1.25M per hour. If you are interested in this topic you may also like our recent article: Alberta’s NDP Borrowed 2.4 Times As Much Money In Their Last 3…

Alberta’s NDP Borrowed 2.4 Times As Much Money In Their Last 3 Years Compared to the PC’s

Since the Alberta election call this week, there has been much talk of spending problems in both the Alberta Progressive Conservative Party (PC, now the United Conservative Party UCP) and the Alberta New Democratic Party (NDP). To make an apples to apples comparison, we made four assumptions: the first year of any government is really the financial responsibility of the previous government, so we ‘charged’ : the PC’s with March 2013 through March 2016 the NDP with March 2016 through…

The Great Browning: Why White Supremacists Are Doomed

It is understandable that people often prefer to associate with people of their own groups.  It is just easier to converse, live with and do business with people that share a similar background.  Personally, I find that boring, but understandable. The Great Browning is the notion that over the next few hundred years the concepts of White, Black, Asian, … will all be relegated to the history books as nearly everyone’s skin will be some light shade of brown.  The…

Muslims are 1% of the American Population but Account for About Half of All US Terror Attacks

With the sad news of the Christchurch New Zealand terrorist attack being carried out by yet another White Supremacist, we had read and seen dozens of news reports with titles like: US terror attacks are increasingly motivated by right-wing views.  We started investigating this article believing the major media’s claim that that 70% of terror attacks in the United States are White Supremacist related: Over the last decade, 71% of domestic extremist related killings in the US were linked to…

How Antitrust Corporate Breakups Should Be Good For Shareholders and Society

The first time you heard of antitrust laws being used to break up large companies you likely thought that that it would result in a destruction wealth.  Depending upon your political persuasion or past experience with the company, that may or may not have bothered you. However, it is important to remember that the driver behind antitrust law is to increase competition and innovation, there by creating more wealth.  In fact, breaking up large companies is usually advantageous to the…

SOLVED: What Affects Your Credit Score?

Have you ever wondered what really affects your credit score?  Did that late car payment really make a difference?  Does having too many companies ask about your credit rating, affect the rating?  Well, here are the answers: 1 – PAYMENT HISTORY = 35% Making payments on time is the most important. 2 – AMOUNT OWED = 30% Obviously your credit score is heavily affected by the amount you owe relative to your net worth. 3 – Length of Credit History…

Fastest Rising & Falling Corporate Reputations In 2019

If you think Samsung can’t get over blowing up batteries and Telsa can do no wrong… your wrong 🙂 .   Samsung moved up 28 places between 2018 and 2019 while Tesla dropped a stunning 39 places in the same period. The following research conducted by Harris Insights and Analytics with Axios Research is an annual consumer survey that ranks the the top 100 companies.  It is different from most surveys because it is done in two parts. The first part…

What if Canadian Prime Minister Trudeau Did Not Argue SNC Lavalin’s Case with Jody Wilson Raybould?

Imagine a scenario in which a major Canadian based company is facing the prospect of being seriously damaged as a result of their own wrongdoing, nearly a decade ago, in a third world country like India or Algeria, but not inside Canada or any of its notable partners.  Imagine that company lobbying to admit their guilt, change management, pay massive fines in the $250M range and have a knife held to their throat for a decade to make sure they…

What is the Backfire Effect and How It Affects Facebook & Twitter

The Backfire Effect is part of a larger physiological phenomenon called Confirmation Bias.  Confirmation Bias is the human desire to seek information that backs up what we already believe and avoid information that disproves our beliefs.  A Backfire occurs with more emotionally drawn positions, like politics or abortion, that causes us not only to disregard information that disproves our beliefs but actually see such information as an attack requiring is to further entrench our (wrong) position. In simple terms the…

This Person Does Not Exist & This Cat Does Not Exist

Do any of the people or cats in the photos below look familiar to you?  They shouldn’t because not one of them is of a real. These “photo’s” are also not, as you might think, just assemblies of assorted inventory pictures like noses, eyes and hair.  No, these are all effectively paintings made by two artificial intelligence (AI) engines working back and forth to perfect the images.  The first AI builds and image and sends it to the second AI that…

VIDEO: American’s Left Is Loosing Grip On Reality The Way the America Right Did In the Gingrich Revolution

The latest round of American Presidential Candidates has shown that those on the left of the political spectrum are just a as willing to ignore facts and as the political right.  This is a potentially catastrophic death spiral. In today’s world voters need to think more and listen less as leaders on both sides of the political spectrum drive to emotion and ignore facts. Politics has always been a perception business and at its heart, the political system is a…

The Five Reasons Why Chinese Consumers Don’t Care About The China – U.S. Trade War

The China vs United States Trade war is a constant discussion in “The West” and is highly visible because it causes companies like Apple to talk about raising consumer prices.  China is very different from the United States and here is why the Chinese consumer has very little concern about the Trade War: MEDIA:  The Chinese Government controls the media and they are tamping down emotions.  Compare this to President Trumps approach of screaming about the trade war daily which…

VIDEO: What is Wrong With the Canadian Media Coverage of the SNC-Lavalin Case

In the video below Canada’s top civil Servant Michael Wernick explains what is wrong with the media coverage of the SNC-Lavalin Case. He starts by explaining that there are many things in Canadian Politics that worry him: Inflammatory language “like treason and traitor” from social media and supposedly responsible politicians alike Physical violence against politicians “I am afraid someone is going to get shot this year during the political campaign” Foreign interference Reputation of people trying to help their country being…