Opinion
The 3Rs are very important, when it’s convenient, when it’s trendy…….

Reduce, Reuse, Recycle, the 3Rs is popular among people and is tossed out there, often, in the news. When it comes to plastic bottles, bags and straws but not when it comes to cars and neighbourhoods, for example.
There are a lot of small cars out there and most often it is an economic decision, but not always. You go to any parking lot, even those in front of discount stores and you will see many new, very large vehicles. The 3Rs do not seem to apply to our vehicles, apparently.
Our neighbourhoods offer another example. We all seem to be clamouring for newer, bigger homes in new neighbourhoods. When I was growing up it was normal to see a family of six living in houses of a 1,000 square feet. Now a family of six is rare but houses of 1000 square feet is rarer, and even rarer still is a family of six living in a 1000 square foot house.
The 3Rs comes into play when you hit retirement and it is usually a health or an economic decision.
Why do we march on Parliament Hill to stop using plastic straws and piping oil if we insist on bigger houses and bigger cars?
History says that we are building on the best agricultural land as we expand our cities with new neighbourhoods. I do not think reducing our arable land or reusing or recycling our farmland into residential neighbourhoods and industrial parks is in the goal of the 3Rs philosophy.
It seems to me that we pave over 1000s of acres of farmland to build newer homes every year, but we are worked up over how many plastic straws hit our waste management sites.
Every city has older run down neighbourhoods, ignored or avoided by homebuyers and politicians. Often times they become rentals or the first step on the property ladder, seldom thought about in the 3Rs scheme of things. Focusing on appearances and not on the potential it often easier to build or buy new houses in new neighbourhoods.
I live in an older neighbourhood, a mid century home, with deer visiting my yard. I have a view of trees and a short walk to the creek. I also have decade old cracks in my sidewalk, a shrub growing in my street. The neighbour’s house sold recently but it was a hard sell and it went for less than it was bought for almost 10 years ago. A realtor mentioned that people want new, modern homes inside mid-century houses. They see antiques and character as simply old.
So the politicians are only following the wishes of the populace when they abandon the 3Rs, pave over farmland to make room for new homes, new roads and new conveniences.
Are we only environmentalists when it is convenient and only in trends?
I do not wish to live in a cave, but I think that there is a sense of disproportionate importance in our lives that needs addressing.
Maybe the answer is paving new roads out of used plastic bags and straws, and building new houses out of bricks made of compacted trash. Maybe, and this may be unrealistic, we could just reduce the number of neighbourhoods, recycle our old houses and reuse abandoned schools.
Just a thought.
Business
Mark Carney’s Fiscal Fantasy Will Bankrupt Canada

By Gwyn Morgan
Mark Carney was supposed to be the adult in the room. After nearly a decade of runaway spending under Justin Trudeau, the former central banker was presented to Canadians as a steady hand – someone who could responsibly manage the economy and restore fiscal discipline.
Instead, Carney has taken Trudeau’s recklessness and dialled it up. His government’s recently released spending plan shows an increase of 8.5 percent this fiscal year to $437.8 billion. Add in “non-budgetary spending” such as EI payouts, plus at least $49 billion just to service the burgeoning national debt and total spending in Carney’s first year in office will hit $554.5 billion.
Even if tax revenues were to remain level with last year – and they almost certainly won’t given the tariff wars ravaging Canadian industry – we are hurtling toward a deficit that could easily exceed 3 percent of GDP, and thus dwarf our meagre annual economic growth. It will only get worse. The Parliamentary Budget Officer estimates debt interest alone will consume $70 billion annually by 2029. Fitch Ratings recently warned of Canada’s “rapid and steep fiscal deterioration”, noting that if the Liberal program is implemented total federal, provincial and local debt would rise to 90 percent of GDP.
This was already a fiscal powder keg. But then Carney casually tossed in a lit match. At June’s NATO summit, he pledged to raise defence spending to 2 percent of GDP this fiscal year – to roughly $62 billion. Days later, he stunned even his own caucus by promising to match NATO’s new 5 percent target. If he and his Liberal colleagues follow through, Canada’s defence spending will balloon to the current annual equivalent of $155 billion per year. There is no plan to pay for this. It will all go on the national credit card.
This is not “responsible government.” It is economic madness.
And it’s happening amid broader economic decline. Business investment per worker – a key driver of productivity and living standards – has been shrinking since 2015. The C.D. Howe Institute warns that Canadian workers are increasingly “underequipped compared to their peers abroad,” making us less competitive and less prosperous.
The problem isn’t a lack of money; it’s a lack of discipline and vision. We’ve created a business climate that punishes investment: high taxes, sluggish regulatory processes, and politically motivated uncertainty. Carney has done nothing to reverse this. If anything, he’s making the situation worse.
Recall the 2008 global financial meltdown. Carney loves to highlight his role as Bank of Canada Governor during that time but the true credit for steering the country through the crisis belongs to then-prime minister Stephen Harper and his finance minister, Jim Flaherty. Facing the pressures of a minority Parliament, they made the tough decisions that safeguarded Canada’s fiscal foundation. Their disciplined governance is something Carney would do well to emulate.
Instead, he’s tearing down that legacy. His recent $4.3 billion aid pledge to Ukraine, made without parliamentary approval, exemplifies his careless approach. And his self-proclaimed image as the experienced technocrat who could go eyeball-to-eyeball against Trump is starting to crack. Instead of respecting Carney, Trump is almost toying with him, announcing in June, for example that the U.S. would pull out of the much-ballyhooed bilateral trade talks launched at the G7 Summit less than two weeks earlier.
Ordinary Canadians will foot the bill for Carney’s fiscal mess. The dollar has weakened. Young Canadians – already priced out of the housing market – will inherit a mountain of debt. This is not stewardship. It’s generational theft.
Some still believe Carney will pivot – that he will eventually govern sensibly. But nothing in his actions supports that hope. A leader serious about economic renewal would cancel wasteful Trudeau-era programs, streamline approvals for energy and resource projects, and offer incentives for capital investment. Instead, we’re getting more borrowing and ideological showmanship.
It’s no longer credible to say Carney is better than Trudeau. He’s worse. Trudeau at least pretended deficits were temporary. Carney has made them permanent – and more dangerous.
This is a betrayal of the fiscal stability Canadians were promised. If we care about our credit rating, our standard of living, or the future we are leaving our children, we must change course.
That begins by removing a government unwilling – or unable – to do the job.
Canada once set an economic example for others. Those days are gone. The warning signs – soaring debt, declining productivity, and diminished global standing – are everywhere. Carney’s defenders may still hope he can grow into the job. Canada cannot afford to wait and find out.
The original, full-length version of this article was recently published in C2C Journal.
Gwyn Morgan is a retired business leader who was a director of five global corporations.
Opinion
Charity Campaigns vs. Charity Donations

Over the past few years, I’ve had canvassers coming to my home in Toronto on behalf of a wide range of non-profits – including hospitals and mental health and homeless support organizations. The fundraisers all “wear” a noticeable post secondary student vibe. That’s hardly news.
But curiously, no matter what they’re collecting for, every last one of them uses the exact same methodology. That is, they refuse to take a one-time donation, instead insisting I sign up for six (not seven, and definitely not five) monthly payments. They don’t want me donating online through the organization’s website (explaining that they wouldn’t get credit for that). They do expect me to enter my basic information on a high-end tablet they’re carrying. When that’s done, they’ll use their smartphones to make a call to a remote agent who would take my financial information.
I only completed the process once – for the Hospital for Sick Children (SickKids) in Toronto. But that was mostly because, at the time, they were in the middle of quite literally saving my granddaughter’s life. I couldn’t very well say no.
Because of the paranoia that comes with my background in IT systems administration, I generally don’t participate, explaining that I never share financial information on a call I didn’t initiate. At the same time, these campaigns are not fraudulent and, with the possible exception of UNICEF, they all represent legitimate organizations. Nevertheless, they all come with the clear fingerprints of a third-party, for-profit company. Which makes me curious.
After a little digging, it became clear that a company called Globalfaces Direct was the most likely employer of the face-to-face (F2F) canvassers I’m seeing. It’s also obvious that those canvassers are paid at least partially through revenue-based commissions.
Estimating how much of your donations are actually used for charitable work can be difficult. For once thing, in the case of SickKids, it’s not even clear which organization the money is going to. There at least three related non-profit accounts registered with CRA: The Hospital for Sick Children, The Hospital for Sick Children Foundation, and the SickKids Charitable Giving Fund.
But even where there isn’t such ambiguity we have only limited visibility into an organization’s finances. Covenant House, for instance, issued receipts for $26 million in donations for 2024, but there’s no way to know how much of that came through Globalfaces Direct F2F campaigns. And there’s certainly no public record indicating how much of that $26 million was spent on commissions and overhead. CRA filings for Covenant House do report fundraising costs of $9.4 million in 2024, which was 22 percent of their total spending and 32 percent of all donations.
It’s likely that their $9.4 million in fundraising costs includes Globalfaces Direct’s canvasser commissions and overhead costs. But those are only some of the costs – which likely include events, direct mail, and other in-house efforts. In fact, it’s not unreasonable to assume that only 20-30 percent of each dollar raised through F2F canvassing is actually spent on charity work.
From the perspective of the non-profit, hiring F2F companies can generate new sources of stable, long-term income that would have been otherwise unattainable. Especially if the F2F agreement specifies withholding a percentage of what’s collected rather than charging a flat fee, then a non-profit has nothing to lose. Why wouldn’t SickKids or Covenant House sign up for that?
Of course, a lot of that will depend on how you think about the numbers. Taken as a whole, an organization that spends just 32 percent of their donations on fundraising activities is well within CRA guidelines: “Fundraising is acceptable unless it is a purpose of the charity (a collateral non-charitable purpose).” But if we just looked at the money raised through a F2F campaign, that percentage would likely be a lot higher.
Similarly, CRA also expects that: “Fundraising is acceptable unless it delivers a more than incidental private benefit.” In other words, if a private company like Globalfaces Direct were to realize financial gain that’s “more than incidental”, it might fail to meet CRA guidelines.
Unfortunately, there’s no easy way for donors to assess the numbers on those terms. So regular people who prefer to direct as much of their donation as possible to the actual cause will generally be far better off donating through an institution’s website or, even better, through a single CRA-friendly aggregator like CanadaHelps.org.
But it would be nice if CRA reporting rules clearly broke those numbers down so we could judge for ourselves.
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