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	<title>Sheryl Smolkin Journalist &#124; Lawyer</title>
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	<link>http://www.sherylsmolkin.com</link>
	<description>Pensions. Benefits.Workplace Issues</description>
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		<title>The Wealthy Barber&#8217;s secret to success</title>
		<link>http://www.sherylsmolkin.com/the-wealthy-barbers-secret-to-success/</link>
		<comments>http://www.sherylsmolkin.com/the-wealthy-barbers-secret-to-success/#comments</comments>
		<pubDate>Wed, 16 May 2012 15:27:01 +0000</pubDate>
		<dc:creator>Sheryl</dc:creator>
				<category><![CDATA[Portfolio/Moneyville]]></category>
		<category><![CDATA[Quality of Life]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.sherylsmolkin.com/?p=4289</guid>
		<description><![CDATA[Read this blog and comments on moneyville May 15, 2012 By Sheryl Smolkin  David Chilton, author of  The Wealthy Barber Returns, admits he doesn&#8217;t buy a lot of stuff. Glenn Lowson/Special to The Toronto Star Compared to a year ago is your credit card debt higher, or lower? Higher Lower The same VoteView ResultsShare This [...]]]></description>
			<content:encoded><![CDATA[<p>Read this blog and comments on <a href="http://www.moneyville.ca/blog/post/1175573--the-wealthy-barber-s-secret-to-success" target="_blank">moneyville</a></p>
<div>May 15, 2012</div>
<div><em>By Sheryl Smolkin </em></div>
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<div><img src="http://images.moneyville.ca/images/06/28/6c23337a477bb8265e2b3c47a4e2.jpeg" alt="David Chilton's new book The Wealthy Barber Returns will not be available until summer, 2011." />David Chilton, author of  The Wealthy Barber Returns, admits he doesn&#8217;t buy a lot of stuff.</p>
<p>Glenn Lowson/Special to The Toronto Star</p></div>
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<div>Compared to a year ago is your credit card debt higher, or lower?</div>
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<div><a id="pd-vote-button6232943">Vote</a><a>View Results</a><a href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.moneyville.ca%2Fblog%2Fpost%2F1175573--the-wealthy-barber-s-secret-to-success%23pd_a_6232943&amp;title=Poll%3A%20Compared%20to%20a%20year%20ago%20is%20your%20credit%20card%20debt%20higher%2C%20or%20lower%3F&amp;description=">Share This</a></div>
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<p>Recently I interviewed authors David Chilton (The Wealthy Barber) and Derek Foster (The Idiot Millionaire). When I asked them how they have been able to save so much money, both said “they are not stuff guys.” They don’t buy a lot of gadgets. In fact Foster says he doesn’t even own a cell phone because he never needed one.</p>
<p>I realized that Chilton and Foster  have their finger on the pulse of a pervasive problem when I saw survey results in which over half of the participants said technology has made it easier to spend and not save money.</p>
<p>The poll of 1,005 American adults found that Americans who subscribe to online  services spend an average of $166 each month for cable TV, home Internet access, mobile phone service and digital subscriptions, like satellite radio and streaming video – or the equivalent of 17 per cent of their monthly rent or mortgage.</p>
<p>Related: <a href="http://www.moneyville.ca/article/1062265--10-tips-from-the-wealthy-barber-returns">10 tips from The Wealthy Barber Returns </a></p>
<p>I have no doubt that many Canadians are in the same boat. Even with the recent price adjustments I negotiated with Bell, my April bill for two phone lines, internet and television came to $137.22 and the Rogers bill for my cell phone was close to $100. If my husband’s smart phone was not covered by his employer, we would easily be paying $300/month in total. Families with teenagers who talk and text constantly are paying even more.</p>
<p>And if you are not convinced, keep in mind that these figures do not take into account hardware and software upgrades to keep up with the latest hot new thing in the market, frequent toner cartridge refills plus laptops, tablet computers and printers for kids heading off to college.</p>
<p>Even if we only factor in technology costs, it’s not surprising that the cost of living is on an upward trajectory. There is a huge difference between putting a computer on every desk, a big screen TV in every room and a cell phone in every pocket and paying for only one landline without an answering machine or call waiting, basic cable TV and a typewriter like our parents did.</p>
<p>Related: <a href="http://www.moneyville.ca/article/974033--who-needs-cable-i-get-20-channels-with-an-antenna">Who needs cable? I get 20 channels for free</a><a href="http://www.moneyville.ca/blog/post/1109736--this-year-i-m-pulling-the-plug-on-tv" target="_blank"><br />
</a><br />
But if you can figure out what you really need, keep track of how much you are spending and budget for technology purchases, you might just be able to find an extra $100/month or more to save for retirement.</p>
<p>There are lots of articles on Moneyville with hints on how to reduce the cost of everything from putting up a television antenna in lieu of cable to getting better phone service for less. One-third of the year has gone by but it’s not too late to make a resolution that before next New Years Eve you will begin managing your technology spend rather than letting it manage you.</p>
<p>Related: <a href="http://www.moneyville.ca/blog/post/1070709--why-i-m-canceling-my-cable-tv" target="_blank">Why I’m cancelling my cable TV</a>,  <a href="http://www.moneyville.ca/blog/post/1001885--just-by-asking-i-saved-300-on-phone-internet" target="_blank">Just by asking I saved $300 on phone, internet </a>.</p>
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		<title>Navigating the minefield of workplace depression</title>
		<link>http://www.sherylsmolkin.com/navigating-the-minefield-of-workplace-depression/</link>
		<comments>http://www.sherylsmolkin.com/navigating-the-minefield-of-workplace-depression/#comments</comments>
		<pubDate>Tue, 15 May 2012 21:04:41 +0000</pubDate>
		<dc:creator>Sheryl</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Legal]]></category>

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		<description><![CDATA[Former Globe and Mail reporter Jan Wong’s battle with her ex-employer Written by  Jennifer Brown Posted Date: May 14, 2012 Canadian Lawyer Jan Wong’s clash with her employer is an example of how workplace depression claims can quickly spin out of control. Photo: George Whiteside When former Globe and Mail reporter Jan Wong became ill [...]]]></description>
			<content:encoded><![CDATA[<p>Former Globe and Mail reporter Jan Wong’s battle with her ex-employer</p>
<p><strong>Written by  <a href="http://www.canadianlawyermag.com/author/Jennifer-Brown.html">Jennifer Brown</a></strong></p>
<p><strong>Posted Date: May 14, 2012</strong></p>
<p><strong>Canadian Lawyer</strong></p>
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<td><a title="Jan Wong’s clash with her employer is an example of how workplace depression claims can quickly spin out of control. Photo: George Whiteside" href="http://www.canadianlawyermag.com/images/stories/01-INHOUSE/2012/May/jan%20wong.jpg" rel="thumbnail" target="_blank"><img title="Jan Wong’s clash with her employer is an example of how workplace depression claims can quickly spin out of control. Photo: George Whiteside" src="http://www.canadianlawyermag.com/cache/multithumb_thumbs/b_150_0_16777215_0___images_stories_01-INHOUSE_2012_May_jan_wong.jpg" alt="" width="150" height="210" /></a></td>
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<td>Jan Wong’s clash with her employer is an example of how workplace depression claims can quickly spin out of control. Photo: George Whiteside</td>
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<p>When former <em>Globe and Mail</em> reporter Jan Wong became ill with depression, she says at first she was in denial about her state of mental health. But when her doctor told her she was in fact depressed and she filed for sick leave, it sparked a standoff with her employer that ended in a costly legal battle.</div>
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“From the start it was mishandled; it never had to happen like this,” says Wong who last week launched her book, <em>Out of the Blue, A Memoir of Workplace Depression, Recovery, Redemption and Yes, Happiness</em>. “The first fundamental point I think is employers are not educated about mental illness and they are very last century about how they approach the problem. I think there’s a lot of ignorance also with employees.”</p>
<p>The book covers the evolution of Wong’s depression, which started after she wrote a story in 2006 about the shootings at Dawson College in Montreal in which she suggested Quebec’s linguistic politics created a context for the violence. She became the target of hate mail and even a death threat delivered to her workplace. <em>The Globe</em> also published an editorial expressing regret for the controversial portion of Wong’s article.</p>
<p>Wong felt her employer failed to support her. In fact, when the death threat arrived at <em>The Globe</em>’s offices, she says a security guard was prevented from calling police — something she says is standard protocol. As a result the stress caused her to fall into clinical depression. She then became involved in a struggle with her newspaper and its insurer over the handling of her sick leave benefits. She was eventually fired.</p>
<p>“I think when it comes to cases like this many people will just go away. Companies may lose an employee who is productive. In cold financial terms I was an asset and they turned me into a liability,” Wong tells <em>InHouse</em>. “I became a very expensive liability.”</p>
<p>Wong’s case never made it to arbitration; rather it was resolved through marathon mediation sessions handled on her behalf by her union’s lawyer. She cannot reveal details of the financial settlement from <em>The Globe</em>, but she insisted they acknowledge in writing that she was in fact depressed and that she not be bound by a confidentiality agreement.</p>
<p>“The sticking point was the gag order, I just couldn’t agree to confidentiality,” says Wong. “I wanted to go to arbitration because it is made public. It was very hard because I was deeply depressed when all of this was going on. In the middle of a mediation, my union lawyer was yelling at me — he stood up, screamed at me, and said, ‘you’re insane.’ I said, ‘I guess I am insane because I can’t accept this offer.’ The mediator interjected and told me ‘No, you’re not insane.’”</p>
<p>As soon as she settled with <em>The Globe</em>, she sued Manulife Financial, the company’s insurer. Wong says she stopped receiving sick pay just before Christmas 2006. One of her major battles was over how the benefits were managed. At one point she was followed by a security company that had been hired to collect video evidence to help determine if she appeared to be depressed.</p>
<p>“I’d been off work since early October and ordered back to work after six weeks. I started getting letters saying I had to be at work or else. I was supposed to get six months under the contract but was told by Manulife the maximum was six weeks,” she says.</p>
<p>Employment law experts say the issue of accommodating depressive disorders is a complicated one, but addressing the problem properly has to involve both parties providing information in a timely manner. Too often employees hide their problem and then employers feel blindsided.</p>
<p>“I think understanding depression is part of it, but it’s also a two-way street. Both parties have a duty in the process and that includes an employee’s duty to communicate and raise the issue of accommodation. That doesn’t mean the employer can be willfully blind,” says Shana French of Sherrard Kuzz LLP.</p>
<p>Often, employers will receive notification from a family physician that an employee is sick and is required to go on disability. If that comes out of the blue, the employer may go on the defensive.</p>
<p>“Depression in terms of a diagnosis can be relatively and easily communicated to an employer, if that is required. I don’t think that’s the issue — the issues arise when there is a lack of disclosure and I think that’s where more problems come up now,” says Hendrik Nieuwland of Shields O’Donnell MacKillop LLP. “Usually where disputes occur is with competing diagnosis — a family physician may say it’s depression and a mental-health expert may say otherwise.”</p>
<p>The employee also has the ability to provide information to the employer before reaching the point where a leave is required.</p>
<p>“Often they just provide a doctor’s note saying the person can’t work for six months. That doesn’t help anyone understand the role the employer can play. They can provide resources like [employee assistance plans] or specialists,” says French.</p>
<p>She says Wong’s clash with her employer is an example of how workplace depression claims can quickly spin out of control.</p>
<p>“We see that a lot where the claims of stress and depression have come on the heels of performance management or conflict with supervisors,” says French. “It puts the employer in a position where they say, ‘hold on, is this an excuse or a reason?’ No one is trying to be Machiavellian but at the same time everyone does have a responsibility to mange the workplace and if everyone requested accommodation every time they were disciplined it would be a rather unwieldy world.”</p>
<p>French says there’s also “a lot of fatigue” with employers around the over-use of terms like depression and stress. She cites <a href="http://canlii.ca/t/fmjpf" target="_blank"><em>Crowley v. Liquor Control Board of Ontario</em></a>, which states stress in and of itself is not considered a disability.</p>
<p>“People muddle up all those terms and they lose a little bit of their impact,” says French.</p>
<p>But, employers are cautioned not to dismiss employees without first investigating fully, given <a href="http://canlii.ca/t/1t8p9" target="_blank"><em>ADGA Group Consulting v. Lane</em></a> in which the Human Rights Tribunal of Ontario awarded $80,000 to an individual who had bipolar disorder. The complaint arose out of the dismissal of an employee with bipolar disorder, eight days after he started working with ADGA Group Consulting Inc. The tribunal held that ADGA had failed to turn its mind to the prospect of accommodating the employee, resulting in a finding of discrimination.</p>
<p>“So we say to employers, make sure you have a process in place to show you’re exploring what’s going on,” says French.</p>
<p>Nieuwland says some large organizations manage workplace depression and disability claims well by having a separate occupational health department that liaises with the employee and a third-party insurer.</p>
<p>“That means HR and line supervisors don’t get access to the information about the mental illness so there’s a Chinese wall there. It removes decision-making about how to deal with the mental illness from line supervisors and HR and helps protect privacy.”</p>
<p>Wong says she feels HR was not on her side in her battle with her employer because the tension over the story she wrote continued even after she submitted a sick note requesting leave for depression.</p>
<p>“Once I’m sick and send in a sick note everything else should stop. I think it’s where a lot of companies fall down — they keep going with whatever the problem is instead of just stopping. HR should have called a halt to all that internal back and forth about the story. HR must play a more neutral function and cannot be the stick that management uses to beat the employee.”</p>
<p><em>The Globe and Mail</em> did not respond by time of posting, but watch for updates to this story.</div>
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		<title>He cut his phone bill by $416 just by asking</title>
		<link>http://www.sherylsmolkin.com/he-cut-his-phone-bill-by-416-just-by-asking/</link>
		<comments>http://www.sherylsmolkin.com/he-cut-his-phone-bill-by-416-just-by-asking/#comments</comments>
		<pubDate>Tue, 15 May 2012 20:13:33 +0000</pubDate>
		<dc:creator>Sheryl</dc:creator>
				<category><![CDATA[Portfolio/Moneyville]]></category>
		<category><![CDATA[Quality of Life]]></category>

		<guid isPermaLink="false">http://www.sherylsmolkin.com/?p=4281</guid>
		<description><![CDATA[Read this blog and comments on moneyville By Sheryl Smolkin May 09, 2012 KIMIHIRO HOSHINO/AFP/GETTY IMAGES After my recent blog about how I saved money on my Bell telephone and internet bills, my friend Chris Boodram sent me a note explaining how recent negotiations with his cell phone provider Fido will result in annual savings [...]]]></description>
			<content:encoded><![CDATA[<p>Read this blog and comments on <a href="http://www.moneyville.ca/blog/post/1175602--he-cut-his-phone-bill-by-416-just-by-asking#.T7E5vd9TT3Y.facebook" target="_blank">moneyville</a></p>
<div><em>By Sheryl Smolkin</em></div>
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<div>May 09, 2012</div>
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<div><img src="http://images.moneyville.ca/images/3f/7e/f16492eb4edba26b0ed0741ba650.jpg" alt="Apple Inc infringed a Motorola Mobility patent in making its popular iPhones, iPads and other products, a judge for the International Trade Commission ruled on Tuesday." />KIMIHIRO HOSHINO/AFP/GETTY IMAGES</div>
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<div>After my recent blog about how I saved money on my Bell telephone and internet bills, my friend Chris Boodram sent me a note explaining how recent negotiations with his cell phone provider Fido will result in annual savings of $416.Boodram does not have a landline, so he needs maximum services for the best price. He purchased an iPhone 3G two and a half years ago from Fido and signed a three year contract. Since then he bought an unlocked iPhone 4 so he could eventually choose his own provider.</p>
<p>With six months to go on the Fido contract, the early cancellation penalty of $120 ($20 a month) was low enough that he began seriously comparing other plans offered by discount brands Koodo and Virgin Mobile. Here is what he found out.</p>
<p>Related: <a href="http://www.moneyville.ca/article/1081783--roseman-telecom-complaints-double-in-a-year" target="_blank">Bell Mobility faces $100M suit over pre-paid wireless contracts</a><br />
<strong>Fido contract before</strong></p>
<ul>
<li>$35/month: 250 anytime minutes, 100 minutes Canadian long distance.</li>
<li>$30/month 1G data with tethering access.</li>
<li>$15: smartphone value pack offering enhanced voicemail, 2,500 text messages, 1,000 picture or video text messages within Canada call and name display.</li>
<li>$5 for extended network option for $5 to avoid being be charged for roaming on to Rogers&#8217; larger network from the core Fido-branded network</li>
<li>$0.75 911 emergency access fee.</li>
<li>$6.95 system access fee of $6.95.</li>
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<p>Total  original monthly Fido bill: $104.75 including HST.</p>
<p><strong>Koodo quote</strong>:<br />
A comparable package with Koodoo for 150 anytime Canada-wide minutes, unlimited evenings and weekends from 7 PM to 8 AM and 1 GB data.<br />
TOTAL monthly Koodoo bill: $56.50 including HST.</p>
<p><strong>Virgin Mobile quote:</strong> Virgin Mobile suggested a $25 talk and text plan with 100 Canada-wide minutes, unlimited Canada-wide weekends 7 PM to 7 AM, unlimited Canada, U.S. and international texting and a “pay as you go” data option. Based on his typical usage:<br />
Total: monthly Virgin mobile bill: $56.50 including HST</p>
<p><strong>New Fido deal:</strong></p>
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<li> $25 for 150 anytime minutes, unlimited evenings and weekends beginning at 5 pm and unlimited texting (though not picture or video) in North America.</li>
<li>$30 6GB data value pack including tethering.</li>
<li>$5 value pack for call display and voicemail (not name display).</li>
<li>$10 unlimited long distance in Canada package.</li>
<li>$5 credit every month till my contract runs out in November to sweeten the deal.</li>
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<p>Total new monthly Fido bill: $70.06 including HST.</p>
<p>Although the new Fido deal includes fewer daytime minutes, Boodram has a desktop telephone at work and with unlimited evenings starting at 5 PM, he is unlikely to ever need the additional 100 anytime minutes a month in his original Fido contract. He also likes the bump up from 1G to 6G of data as formerly he had to carefully monitor his data usage at the end of each billing cycle.</p>
<p>The new Fido arrangement is more expensive than the Koodoo and Virgin Mobile quotes, but Boodram is satisfied with savings of $34.69/month and is staying with Fido, at least for the time being. However, once his three-year contract expires in November and the $5 monthly credit lapses, he plans to call Fido again to determine what else they will do to keep him as a customer.</p>
<p>Related: <a href="http://www.moneyville.ca/article/1083559--roseman-how-to-get-rid-of-monthly-phone-bills" target="_blank">How to get rid of monthly phone bills </a></p>
<p>The key to Boodram’s  negotiating power? He owns his iPhone outright. Nevertheless, it is also apparent that cell service providers are hungry for new business and eager to retain customers. Billing structures are also evolving. For example, inexpensive long distance add-ons are becoming the norm.</p>
<p>Have you negotiated with a service provider for a better deal lately? How much did you save just by asking? Share your story with other moneyville readers.</p>
<p>Related: <a href="http://www.moneyville.ca/blog/post/1152548--i-cut-my-bell-bill-by-650-just-by-asking" target="_blank">I cut my Bell bill by $650 just by asking </a></p>
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		<title>Canada Post clerk fired for nasty Facebook posts</title>
		<link>http://www.sherylsmolkin.com/canada-post-clerk-fired-for-nasty-facebook-posts/</link>
		<comments>http://www.sherylsmolkin.com/canada-post-clerk-fired-for-nasty-facebook-posts/#comments</comments>
		<pubDate>Fri, 11 May 2012 20:15:15 +0000</pubDate>
		<dc:creator>Sheryl</dc:creator>
				<category><![CDATA[HR Issues]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Portfolio/Moneyville]]></category>

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		<description><![CDATA[Read this blog and comments on moneyville.ca. May 10, 2012 By Sheryl Smolkin  Canada Post trucks at a sorting depot  in Montreal (June 6, 2011) Graham Hughes/THE CANADIAN PRESS An Alberta labour arbitrator has dismissed a grievance brought by the Canadian Union of Postal workers on behalf of a postal clerk who was fired for [...]]]></description>
			<content:encoded><![CDATA[<p>Read this blog and comments on <a href="http://www.moneyville.ca/blog/post/1175594--canada-post-clerk-fired-for-nasty-facebook-posts" target="_blank">moneyville.ca</a>.</p>
<div>May 10, 2012</div>
<div><em>By Sheryl Smolkin </em></div>
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<div><img src="http://images.moneyville.ca/images/21/82/7aa6b7ea4be59e064d3242333199.jpeg" alt="Canada Post trucks sit idle outside a sorting depot in the borough of Ville St. Laurent in Montreal on Monday. On Tuesday, Canada Post said mail volume has fallen by half. (June 6, 2011)" />Canada Post trucks at a sorting depot  in Montreal (June 6, 2011)</p>
<p>Graham Hughes/THE CANADIAN PRESS</p></div>
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<div>An Alberta labour arbitrator has dismissed a grievance brought by the Canadian Union of Postal workers on behalf of a postal clerk who was fired for inappropriate Facebook postings directed at the company and her supervisors.</p>
<p>The woman, with 31 years of service, worked at a postal depot in Edmonton where there was considerable labour unrest. The friction related to management’s efforts to minimize socializing on the job and increase productivity. One result was verbal clashes between older workers and a 24-year old supervisor.  The woman participated in these events and was given a three day disciplinary suspension without pay from October 20 – 22, 2009 &#8211; before her Facebook postings were discovered in mid-November. Subsequently she was fired.</p>
<p>The 30 postings contained derogatory, mocking statements about her supervisors and Canada Post. In several comments the woman suggested she had a voodoo doll of one supervisor and if she hadn’t been drinking, “she would take her out on the driveway and run her over.” These threatening posts were sent to more than 50 of the clerk’s Facebook friends including several co-workers.</p>
<p>Related: <a href="http://www.moneyville.ca/blog/post/1159521--dissing-your-boss-could-get-you-fired" target="_blank">Dissing your boss can get you fired</a></p>
<p>The two supervisors disparaged were distraught when they heard about and read the postings and took time off work for emotional distress.</p>
<p>Canada Post argued that the postings were grossly insubordinate, could damage the organization and greatly harmed the supervisors. Canada Post also pointed out that the woman was unapologetic, and justified her actions by blaming her supervisors for creating an intolerable work environment. Under the circumstances and despite her long service, the employer maintained that termination was warranted.</p>
<p>The union grieved her firing, but accepted the postings were regrettable and ought not to have been made. They argued however, that a toxic work environment explained why the woman had chosen to vent her frustration in this manner and noted she believed her Facebook postings were private. Considering the woman&#8217;s long service and how close she was to retirement, the union suggested that discharge was too harsh.</p>
<p>In a decision released in March, the arbitrator acknowledged the woman&#8217;s age and length of service might in some circumstances be grounds for reinstatement. However, he found that her attitude made her a poor candidate for reestablishing the employment relationship and that she simply refused to accept accountability for her actions. As a result, he concluded that Canada Post had just cause to terminate her.</p>
<p>The moral of this story?</p>
<p>If you have beefs about your employer or co-workers, don’t post them on Facebook or any other social media site. You do not know who your “friends” really are. And even if think you are restricting access to a select few people, you are leaving a digital trail that can come back and bite you.</p>
<p>Related: <a href="http://www.moneyville.ca/blog/post/1137948--fired-be-careful-where-you-sue" target="_blank">Fired? Be careful where you sue </a></div>
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		<title>How to rate your insurance company</title>
		<link>http://www.sherylsmolkin.com/how-to-rate-your-insurance-company/</link>
		<comments>http://www.sherylsmolkin.com/how-to-rate-your-insurance-company/#comments</comments>
		<pubDate>Thu, 10 May 2012 15:41:37 +0000</pubDate>
		<dc:creator>Sheryl</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Portfolio/Moneyville]]></category>

		<guid isPermaLink="false">http://www.sherylsmolkin.com/?p=4275</guid>
		<description><![CDATA[Read this post and comments on moneyville. May 02, 2012 By Sheryl Smolkin Insurance is something we buy just in case:  Last spring&#8217;s flooding in St. Jean sur Richelieu, Que., when the Richelieu River  overflowed its banks.  (May 5, 2011) Bernard Brault/THE CANADIAN PRESS Insurance  can seem like a waste of money until you need [...]]]></description>
			<content:encoded><![CDATA[<p>Read this post and comments on <a href="http://www.moneyville.ca/blog/post/1171974--how-to-rate-your-insurance-company" target="_blank">moneyville.</a></p>
<div><strong>May 02, 2012 </strong></div>
<div><strong><em>By Sheryl Smolkin</em></strong></div>
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<div><img src="http://images.moneyville.ca/images/e8/06/2d737b8342a4aeef5d60614ac39c.jpeg" alt="Millions of dollars of damage was caused last spring in St. Jean sur Richelieu, Que., when the Richelieu River  overflowed its banks.  (May 5, 2011)" />Insurance is something we buy just in case:  Last spring&#8217;s flooding in St. Jean sur Richelieu, Que., when the Richelieu River  overflowed its banks.  (May 5, 2011)</p>
<p>Bernard Brault/THE CANADIAN PRESS</p></div>
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<p>Insurance  can seem like a waste of money until you need it. Then the policy proceeds are a welcome cushion, easing the  impact of unfortunate events. But with  premiums costing thousands  a year, it is not surprising that some consumers  think they are paying too much or receive poor service from their carrier..</p>
<p>A recent InsurEye Inc. survey of 1,500 people in Alberta, British Columbia, Quebec and Ontario reveals interesting attitudes towards insurance and understanding of what they&#8217;re paying for.  For example:</p>
<ul>
<li>60 per cent  believe they pay too much for home, auto, or life insurance.</li>
<li>32 per cent do not understand all the features of their current coverage.</li>
<li>22 per cent report that insurance companies/agents do not clearly explain their policy provisions.</li>
<li>45 per cent want to know how much peers pay for their insurance to better inform their own decisions.</li>
</ul>
<p>Related: <a href="http://www.moneyville.ca/blog/post/1134550--why-women-pay-less-for-insurance" target="_blank">Why women pay less for insurance<br />
</a><br />
When a selected panel of consumers were also asked to review home, auto and life insurance companies for the InsurEye Consumer experience platform, they had lots of other beefs about their insurers.<br />
The six top complaints were:</p>
<p>1. Unfair handling of claims, including incorrect value estimation for insured car or home.</p>
<p>2. Increased insurance rates without any reason like accidents or after “not-at-fault”  accidents.</p>
<p>3.Slow claim processing (up to 9 months in some cases).</p>
<p>4. Rude insurance agents or call center personnel.</p>
<p>5. Lack of contact/insufficient help from customer service.</p>
<p>6. Threats that insurance rates will go up.</p>
<p>Related: <a href="http://www.moneyville.ca/article/1167459--many-insurers-reject-requests-will-yours" target="_blank">Many insurers reject requests. Will yours? </a></p>
<p>Based on these research findings, InsurEye has developed a consumer-driven insurance review tool that allows Canadians to rate most insurers and their products across the country.</p>
<p>The recently-launched system already contains over 600 reviews collected online for home, auto and life insurers. The insurance companies are rated on three main criteria using a scale of one to five stars, including customer experience, value for money and claims experience. Consumer comments give reviews context and share valuable experiences.</p>
<p><a href="https://tools.insureye.com/pct/rating">Reading independent reviews is free</a>  and registered users (no charge) can write reviews, rate insurers and vote for other reviews. All reviews are anonymous and before publishing, reviews are assessed by moderators to ensure the content quality.</p>
<p>I was pleased to see that my home and auto insurer TD Meloche Monnex has been reviewed by 22 people to date and received an overall rating of four out of five stars and 4.5 stars for claims experience.</p>
<p>I can  attest to the fact that the day I drove through the garage door several years ago and smashed a can of driveway sealant releasing irritating fumes, their service was unbelievable. Within hours of my call, guys in hazmat suits removed everything and did an inventory. Although garage contents from a snow blower to a garden hose had to be destroyed, I had a cheque in a couple of weeks based on estimates easily obtained online from retailers.</p>
<p>The more people who enter data into the system, the better the tool will be for everyone, so consider adding your ratings. After all, you check online reviews for travel destinations, restaurants and movies. It only makes sense to use an online resource to compare both price and service information about Canadian insurers.</p>
<p>Related: <a href="http://www.moneyville.ca/blog/post/1125832--car-insurance-i-cut-my-costs-300-by-asking" target="_blank">Car insurance: I cut my costs just by asking </a></p>
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		<title>Refusing dangerous work: What you need to know</title>
		<link>http://www.sherylsmolkin.com/refusing-dangerous-work-what-you-need-to-know/</link>
		<comments>http://www.sherylsmolkin.com/refusing-dangerous-work-what-you-need-to-know/#comments</comments>
		<pubDate>Wed, 09 May 2012 17:06:11 +0000</pubDate>
		<dc:creator>Sheryl</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[HR Issues]]></category>
		<category><![CDATA[Portfolio/Moneyville]]></category>

		<guid isPermaLink="false">http://www.sherylsmolkin.com/?p=4271</guid>
		<description><![CDATA[Read this blog and comments on moneyville. May 08, 2012 By Sheryl Smolkin There are many reasons to refuse dangerous work, but firefighters can’t refuse to respond to a fire out of fear that they’ll be burned. RENÉ JOHNSTON/TORONTO STAR You recently got a new job and things have been going really well. Yesterday your [...]]]></description>
			<content:encoded><![CDATA[<div>Read this blog and comments on<a href="http://www.moneyville.ca/blog/post/1171988--refusing-dangerous-work-what-you-need-to-know" target="_blank"> moneyville</a>.</div>
<div></div>
<div>May 08, 2012</div>
<div><em>By Sheryl Smolkin</em></div>
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<div><img src="http://images.moneyville.ca/images/bb/b9/c4c2a85840e9b83d518497090496.jpeg" alt="Image" />There are many reasons to refuse dangerous work, but firefighters can’t refuse to respond to a fire out of fear that they’ll be burned.</p>
<p>RENÉ JOHNSTON/TORONTO STAR</p></div>
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<p>You recently got a new job and things have been going really well. Yesterday your boss asked you to use a piece of heavy equipment for which you have no training. You are worried about your  safety and the safety of others on the job site, but you are afraid of losing your job.  What can you do?</p>
<p>An employee can’t be disciplined for refusing work based on reasonable safety concerns. Doing so is considered a reprisal and is banned by recently strengthened Ontario Occupational Health &amp; Safety laws. But as with all legislation, the devil is in the details.</p>
<p>Related: <a href="http://www.moneyville.ca/blog/post/1004638--how-to-avoid-summer-on-the-job-dangers" target="_blank">How to avoid summer on the job dangers </a></p>
<p>Here is an edited version of ten  frequently asked questions and answers about when you can refuse unsafe work written by lawyer Glenn Demby for HRInsider.ca.</p>
<p><strong>Q: Who can initiate a refusal to work?</strong><br />
<strong>A: </strong> Any worker—full- or part-time, temporary or permanent, new or experienced, with a reasonable fear for safety can initiate a work refusal. However, refusal rights don’t apply where danger is a normal part of the job. So for example, firemen can’t refuse to respond to a fire out of fear that they’ll be burned. Workers also can’t refuse work if the refusal puts others in danger.</p>
<p><strong>Q:  When can I refuse unsafe work?</strong><br />
<strong>A: </strong> The general rule is that you must have “reasonable” grounds or cause to believe that the work or equipment poses an undue or unusual hazard or danger to yourself or others.</p>
<p><strong>Q:  When will my fears be considered valid?</strong><br />
<strong>A: </strong> Your fears must be sincere and reasonable. It can’t be a pretext to get out of an unpleasant task or to avoid working with a disliked co-worker and it has to be something that an average worker with the same training and experience would consider an unacceptable hazard. A refusal may be considered reasonable even if your fear is based on a condition or circumstance unique to you. For example, a Quebec court found an abnormally tall trucker had the right to refuse to drive an armoured truck that for a normal-sized person would be fine but which didn&#8217;t allow a person of his height to reach the controls</p>
<p><strong>Q: Is fear of violence grounds for a work refusal?</strong><br />
<strong>A:</strong>   Absolutely, as long as your fears are reasonable. For example, a mail carrier was justified in refusing to deliver mail to the home of a violent resident who had thrown things at him before. But it wasn’t reasonable for Air Canada flight attendants to refuse to fly to Israel because they feared terrorism. But the case would have gone the other way if they had been threatened personally</p>
<p><strong>Q:  Are uncomfortable conditions grounds for refusal?</strong><br />
<strong>A:</strong>  Refusals apply to unsafe, not unpleasant or uncomfortable work. In the real world, though, many cases turn on whether the complained of condition was a real health/safety issue or just something uncomfortable. For example, a federal arbitrator ruled that a railroad cook could refuse to work in a poorly ventilated kitchen that was not air-conditioned in the summer because his health was at risk</p>
<p><strong>Q:  What should my employer do if I refuse unsafe work?</strong><br />
<strong>A: </strong> Your employer must investigate your refusal in all cases.</p>
<p><strong>Q:  What role does the government play in refusals?</strong><br />
<strong>A</strong>:  If after your refusal is investigated you are not satisfied with your employer’s response, your employer must notify the Ontario Ministry of Labour and an inspector will likely be sent to investigate the refusal. If you believe you have been penalized by your employer because you exercised the right to refuse dangerous work, you can file a complaint with the Ontario Labour Relations Board .</p>
<p><strong>Q:  Can I be reassigned during a work refusal?</strong><br />
<strong>A:</strong>   Yes, you generally can be reassigned to another job until the refusal is resolved as long as you are reasonably capable of doing the job and don’t lose pay or other benefits if that reassignment is to a job that normally pays less.</p>
<p><strong>Q:  Will I be paid during a work refusal?</strong><br />
<strong>A:</strong>  Most  jurisdictions including Ontario require employers to pay worker while the refusal is investigated. However, in some cases, you may have to repay those wages if the refusal is found frivolous.</p>
<p><strong>Q:  Can somebody else be asked to do the work refused?</strong><br />
<strong>A:  </strong> That’s a risky thing for an employer to do because if the refusal is valid, the replacement worker will be exposed to the same hazard.</p>
<p>For further information, see <a href="http://www.labour.gov.on.ca/english/feedback/index.php#prog" target="_blank">the Ministry of Labour’s website</a>.</p>
<p>Related: <a href="http://www.moneyville.ca/blog/post/1088414--10-things-people-ask-employment-lawyers" target="_blank">10 things people ask employment lawyers</a></p>
<p><em></em></div>
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		<title>A review of B.C.’s new pension legislation</title>
		<link>http://www.sherylsmolkin.com/a-review-of-b-c-s-new-pension-legislation/</link>
		<comments>http://www.sherylsmolkin.com/a-review-of-b-c-s-new-pension-legislation/#comments</comments>
		<pubDate>Mon, 07 May 2012 20:55:54 +0000</pubDate>
		<dc:creator>Sheryl</dc:creator>
				<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.sherylsmolkin.com/?p=4268</guid>
		<description><![CDATA[Scott Sweatman &#124; May 07, 2012 Benefits Canada On April 30, 2012, the B.C. government introduced Bill 38, the Pension Benefits Standards Act (PBSA). The bill is the long-awaited result (for B.C.) of the 2008 report from the Joint Expert Panel on Pension Standards (JEPPS)—an independent expert panel established by the finance ministers of Alberta and British [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Scott Sweatman | May 07, 2012 </strong></p>
<p><strong>Benefits Canada</strong></p>
<p>On April 30, 2012, the B.C. government introduced Bill 38, the<em> Pension Benefits Standards Act </em>(PBSA). The bill is the long-awaited result (for B.C.) of the 2008 report from the Joint Expert Panel on Pension Standards (JEPPS)—an independent expert panel established by the finance ministers of Alberta and British Columbia.</p>
<p>JEPPS’ mandate was to review pension legislation in the two provinces and make recommendations for pension reform.</p>
<p>Many aspects of the new legislation take a more principles-based approach than the current act and will be heavily dependent on the final regulations once they are released.</p>
<p>Alberta is expected to introduce new pension legislation that will be substantially similar to Bill 38; JEPPS recommended that both provinces harmonize their respective pension laws, so changes discussed below should be broadly applicable in both B.C. and Alberta.</p>
<p><strong>New plan designs</strong><br />
Bill 38 introduces new plan designs and design features, many of which incorporate recommendations contained in the JEPPS report. Of note are the following:</p>
<ul>
<li>A<em> negotiated cost plan </em>is defined as a plan established under a collective agreement where contributions are determined and limited by the collective agreement.</li>
<li>The<em> jointly sponsored plan </em>establishes a framework (subject to details to be set out in forthcoming regulations) for plans containing a “benefit formula provision,” in which participating employers and employees are required to make contributions to meet funding requirements. Responsibility for plan governance is shared between the participating employers and active plan members.</li>
<li>A <em>target benefit plan </em>is a plan that establishes a formula by which the amount of pension is predetermined and provides that the accrued pension may, by amendment, be reduced or increased and the contributions adjusted accordingly. There is no requirement that target benefit plans be restricted to unionized collectively bargained workforces.</li>
</ul>
<p>Bill 38 also grants the superintendent discretion to designate an existing plan as either a “collectively bargained multi-employer plan,” a “non-collectively bargained multi-employer plan” or a “single employer plan.” This new power appears to contemplate an existing plan adopting new design features provided in Bill 38 and, for instance, changing from a negotiated cost plan to a plan containing target benefit provisions. This should be of interest to plan sponsors looking to vary the pension deal on a go-forward basis.</p>
<p><strong>Plan governance</strong><br />
Bill 38 does not prescribe the specific entities that may be the plan administrator, instead defining the administrator simply as the person responsible for administering the plan in accordance with the PBSA.</p>
<p>Moreover, administrators will now be expected to act in a fiduciary capacity to members and others entitled to benefits.</p>
<p>This change aligns B.C. with similar provisions under Alberta’s current legislation. Plan administrators will be required to establish governance policies and, for plans with a benefit formula, a written funding policy that must be provided to the plan actuary. This change is consistent with the recent CAPSA Guideline No. 7, <em>Pension Plan Funding Policy Guideline </em>and the JEPPS recommendations.</p>
<p>Administrators will also be required to assess their plan administration in accordance with the regulations for funding, investment and trustee/administrative staff performance. Written records of the administration assessment must be retained by the administrator and made available to the superintendent upon request.</p>
<p><strong>Plan funding</strong><br />
Details of specific funding rules for plans with benefit formula provisions will be set out in the regulations. Solvency funding relief for multi-employer plans continues to be a major concern, so we’ll have to wait to see what the regulations will say about this.</p>
<p>Bill 38 permits the administrator to set up “solvency reserve accounts” exclusively for depositing solvency deficiency payments, with the ability to withdraw, by a prescribed person, “actuarial excess” in the account in accordance with the rules in the regulations—despite any wording in the plan text. Bill 38 did not adopt JEPPS’ recommendation that plan sponsors be permitted to “ring-fence” existing plan and trust provisions relating to surplus ownership and create a go-forward provision to address surplus ownership. The trapped capital concern, however, may be less of a concern assuming the solvency reserve account can be properly used.</p>
<p><a href="http://www.benefitscanada.com/pensions/governance-law/a-review-of-b-c-%E2%80%99s-new-pension-legislation-28577" target="_blank">READ MORE:</a></p>
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		<title>Raising OAS hurts those who most need help</title>
		<link>http://www.sherylsmolkin.com/raising-oas-hurts-those-who-most-need-help/</link>
		<comments>http://www.sherylsmolkin.com/raising-oas-hurts-those-who-most-need-help/#comments</comments>
		<pubDate>Fri, 04 May 2012 12:18:40 +0000</pubDate>
		<dc:creator>Sheryl</dc:creator>
				<category><![CDATA[Portfolio/Moneyville]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.sherylsmolkin.com/?p=4264</guid>
		<description><![CDATA[Read this article and comments on moneyville By Sheryl Smolkin Seventy is the new 60. Sixty is the new 50. If you believe everything you read, increasing the age for OAS eligibility from age 65 to 67 might make sense. But the fact is that not everyone feels ten years younger or has a well-paying [...]]]></description>
			<content:encoded><![CDATA[<p>Read this article and comments on <a href="http://www.moneyville.ca/blog/post/1167167--raising-oas-hurts-those-who-most-need-help" target="_blank">moneyville</a></p>
<p><em>By Sheryl Smolkin</em></p>
<p>Seventy is the new 60. Sixty is the new 50. If you believe everything you read, increasing the age for OAS eligibility from age 65 to 67 might make sense. But the fact is that not everyone feels ten years younger or has a well-paying full-time job so they can postpone retirement and work longer.</p>
<p>In a <a href="http://www.policyalternatives.ca/newsroom/updates/what%E2%80%99s-stake-working-seniors" target="_blank">new report from the Canadian Centre for Policy Alternatives</a>, economist Angella MacEwan reports that a 2008 Statistics Canada survey of older workers (55+) found that only 30 per cent retired because they were financially ready.</p>
<p>One in four fully-retired workers over 55 listed poor health as their reason for retirement, and 89 per cent of older workers who were unemployed and not looking for work cited long-term disability or short-term disability as a barrier to paid work. A further 7 per cent of retirees left the workforce to care for a partner.</p>
<p>Furthermore, another one in five retired because they were displaced by layoffs or plant closures. Older workers who are displaced  because of plant-closure or layoff often face longer periods of unemployment than younger workers and end up in lower paying jobs.</p>
<p>Even where seniors are able to continue working, a very large proportion of these people are in low-paid part-time sales and service jobs. In fact, fully one in three employees over 65 earned less than two-thirds of the median hourly wage. Self-employment is increasingly common for some seniors &#8211; typically those with a university degree &#8211; but half of self-employed seniors still earn less than $5,000 per year.</p>
<p>To replace the combined OAS/GIS benefit of about $14,000 for one year, a senior working at the minimum wage of about $10 an hour would have to work 28 hours a week, or about 10 hours a week to replace the basic annual OAS benefit of $5,000.</p>
<p>Related: <a href="http://www.moneyville.ca/article/1124518--why-raising-oas-to-67-doesn-t-make-sense" target="_blank">Why raising OAS to 67 doesn’t make sense </a></p>
<p>Some people &#8211; most often professionals and managers who are in good health and able to find or create work which suits their needs and interests &#8211; do willingly work past age 65. Others can be encouraged to do so through positive workplace policies.</p>
<p>But I agree with MacEwen and the Canadian Centre for Policy Alternatives that choosing to work longer is one thing, but it is illogical to assume sick or laid-off Canadians without pensions or large savings can keep working past 65, particularly given the high probability that the only jobs many will be able to find are part-time and low paid.</p>
<p>What do you think?</p>
<p>Related:<a href="http://www.moneyville.ca/blog/post/1148423--give-seniors-the-option-to-start-oas-later" target="_blank"> Give seniors the option to start OAS later </a></p>
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		<title>Canada to speed access to over the counter drugs</title>
		<link>http://www.sherylsmolkin.com/caanda-to-speed-access-ro-over-the-counter-drugs/</link>
		<comments>http://www.sherylsmolkin.com/caanda-to-speed-access-ro-over-the-counter-drugs/#comments</comments>
		<pubDate>Wed, 02 May 2012 22:28:15 +0000</pubDate>
		<dc:creator>Sheryl</dc:creator>
				<category><![CDATA[Health]]></category>

		<guid isPermaLink="false">http://www.sherylsmolkin.com/?p=4257</guid>
		<description><![CDATA[May 02, 2012 Pharma Times Lynne Taylor &#160; Canada has announced a regulatory change which will speed patient access to new over-the-counter (OTC) medicines and save taxpayers money. The government is getting rid of Schedule F of Health Canada&#8217;s Food and Drug Regulations, to which prescription drugs are currently required to be formally added through [...]]]></description>
			<content:encoded><![CDATA[<p>May 02, 2012</p>
<p>Pharma Times<br />
<a id="ctl00_Content_NewsView1_ctl00_ctl00_AuthorBG" href="http://www.pharmatimes.com/authors.aspx#Lynne%20Taylor">Lynne Taylor</a></p>
<p>&nbsp;</p>
<p><img id="ctl00_Content_NewsView1_ctl00_ctl00_ThumbnailBG" title="Canada to speed access to OTCs" src="http://www.pharmatimes.com/Libraries/news_-_flags/canada.sflb.ashx" alt="Canada to speed access to OTCs" /></p>
<div>
<p>Canada has announced a regulatory change which will speed patient access to new over-the-counter (OTC) medicines and save taxpayers money.</p>
<p>The government is getting rid of Schedule F of Health Canada&#8217;s Food and Drug Regulations, to which prescription drugs are currently required to be formally added through a regulatory amendment. Another amendment is required to remove a drug from Schedule F, a process which can take 14-20 months to complete, long after Health Canada has determined that it is safe to move a prescription drug to OTC status.</p>
<div id="ctl00_Content_NewsView1_ctl00_ctl00_RelatedArticles">
<h4>Related Links</h4>
<p><a id="ctl00_Content_NewsView1_ctl00_ctl00_RelatedLinks" href="http://www.pharmatimes.com/Article/12-04-05/Canadians_waiting_two-and-a-half_years_for_new_drugs.aspx">Canadians waiting two-and-a-half years for new drugs</a> <a id="ctl00_Content_NewsView1_ctl00_ctl00_RelatedLinks1" href="http://www.pharmatimes.com/Article/12-03-19/Canadian_drug_reviewers_working_round_the_clock.aspx">Canadian drug reviewers working round the clock</a></p>
</div>
<p>Eliminating Schedule F will cut red tape without compromising safety, says Health Canada, pointing out that drug safety will continue to be confirmed through a rigorous process of scientific review before a drug can be approved for sale and before a drug can be sold OTC.</p>
<p>Health Minister Leona Aglukkag says the change is being made through Canada&#8217;s Economic Plan 2012 as a result of issues raised during the Red Tape Reduction Commission. &#8220;Companies and consumers will no longer be required to wait for months before a prescription drug can become OTC. With this move, customers will soon benefit from quicker access to safe non-prescription drugs,&#8221; she said.</p>
<p>Moreover, taxpayers will no longer have to cover the costs of outdated regulatory processes, the Minister noted. &#8220;Health Canada will replace the current inefficient process with a faster and transparent posting of each new prescription drug on our website,&#8221; she said.</p>
<p>Major companies in the sector have supported the move. &#8220;Providing consumers with more OTC healthcare alternatives is a great way to promote the importance of self-care within our system and contribute to the viability of our health care system,&#8221; said Bruno Mader, general manager at Merck Consumer Care.</p>
<p>&#8220;We applaud all measures that will make our health care system more efficient without compromising the safety of consumers,&#8221; he added.</p>
<p>McNeil Consumer Healthcare also said it welcomed the government&#8217;s recognition of the importance of self-care to Canadians, and the fact that rigorous scientific review will continue to be required prior to the approval of all prescription to non-prescription medicine switches.</p>
<p>&#8220;We support this rigorous process and are pleased that it will continue as an important step in ensuring the availability and safety of self-care products,&#8221; said Gerry Wright, the company&#8217;s senior director of regulatory and medical affairs.</p>
<p>- A new report forecasts that the global OTC market will grow at an average annual rate of 4.6% during 2011-2015, rising from a value of $104 billion in 2010 to $124.8 billion by 2015. While the US and western Europe jointly account for nearly 50% of the market at present, and Japan for 11%, emerging regions are set to drive future growth as OTCs gain popularity worldwide, says the study, from GBI Research.</p>
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<h3>Links</h3>
<p><a id="ctl00_Content_NewsView1_ctl00_ctl00_ExtLink1" href="http://www.hc-sc.gc.ca" rel="nofollow">www.hc-sc.gc.ca</a><br />
<a id="ctl00_Content_NewsView1_ctl00_ctl00_ExtLink2" href="http://www.merck.ca" rel="nofollow">www.merck.ca</a><br />
<a id="ctl00_Content_NewsView1_ctl00_ctl00_ExtLink3" href="http://wwww.jnjcanada.com" rel="nofollow">wwww.jnjcanada.com</a><br />
<a id="ctl00_Content_NewsView1_ctl00_ctl00_ExtLink4" href="http://www.gbiresearch.com" rel="nofollow">www.gbiresearch.com</a></p>
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		<title>Out of work? You can get up to $28,000 to re-train</title>
		<link>http://www.sherylsmolkin.com/out-of-work-you-can-get-up-to-28000-to-re-train/</link>
		<comments>http://www.sherylsmolkin.com/out-of-work-you-can-get-up-to-28000-to-re-train/#comments</comments>
		<pubDate>Wed, 02 May 2012 11:54:49 +0000</pubDate>
		<dc:creator>Sheryl</dc:creator>
				<category><![CDATA[Compensation]]></category>
		<category><![CDATA[HR Issues]]></category>
		<category><![CDATA[Portfolio/Moneyville]]></category>

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		<description><![CDATA[Premier Dalton McGuinty announces details of a  second career retraining program at Seneca College in this 2008 file photo. CARLOS OSORIO/TORONTO STAR Read this blog and comments on moneyville By Sheryl Smolkin If you were laid off in Ontario over the last several years because a factory or other business has shut down, the possibility [...]]]></description>
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<div><img src="http://images.moneyville.ca/images/2d/66/a97c73f046f5a3a502f6ad05a687.jpeg" alt="Image" />Premier Dalton McGuinty announces details of a  second career retraining program at Seneca College in this 2008 file photo.</p>
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<div>CARLOS OSORIO/TORONTO STAR</div>
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<div>Read this blog and comments on <a href="http://www.moneyville.ca/blog/post/1167163--out-of-work-you-can-get-up-to-28-000-to-re-train" target="_blank">moneyville</a></div>
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<div><em>By Sheryl Smolkin</em></div>
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<p>If you were laid off in Ontario over the last several years because a factory or other business has shut down, the possibility of getting another similar well-paid job may be remote. However, if you qualify for the Second Career program, you can receive financial help of up to $28,000 or more from the province to help retrain.</p>
<p>The Second Career program began in June 2008. A February, 2012 review of program data found that three months after completing the program, 69 per cent of clients funded through Second Career found employment, The Second Career program has a budget for 2012/2013 which will allow approximately 12,000 people to train for new careers.</p>
<p>You are eligible to apply for Second Career if you were laid off after January 1, 2005. You can take an interim job to make ends meet while submitting an application to Second Career, providing you earn less than $423/week working in a casual job.</p>
<p>If after you were laid off you worked in a permanent job but you quit or were fired, you will be characterized as having found employment and ineligible for the program.</p>
<p>The <a href="http://www.tcu.gov.on.ca/eng/eopg/publications/sc_eligibility_suitability_template.xls" target="_blank">Second Career Eligibility and Suitability Assessment template </a>outlines the criteria applied and the point system used by Employment Ontario to determine whether or not applicants meet the program requirements.<br />
For example, an individual will be characterized as highly suitable for Second Career if he/she has:</p>
<p>•    Been unemployed for more than 26 weeks and documented an active job search;<br />
•    Not completed high school or has post-secondary education not recognized in Ontario;<br />
•    More than seven years in the same occupation; and<br />
•    Requests training where there is an occupational demand.</p>
<p>Some of the high demand careers that may qualify depending where in the province you reside are noted in a series of <a href="http://www.tcu.gov.on.ca/eng/secondcareer/qna.html#display" target="_blank">questions and answers about the program</a>. Examples are:</p>
<p>•    Industrial electricians<br />
•    Plumbers<br />
•    Refrigeration and air conditioning mechanics<br />
•    Truck drivers<br />
•    Insurance adjusters<br />
•    Medical radiation technicians<br />
•    Medical sonographers<br />
•    Paralegal and related occupations<br />
•    Community and social service workers<br />
•    Early childhood educators and assistants<br />
•    Chefs<br />
•    Hairstylists and barbers<br />
•    Real estate agents</p>
<p>The amount of time it takes to review a Second Career application for financial assistance varies, but once the application has been approved it takes approximately 15 days for the local Training, Colleges and University office to process the application. The maximum length of the program is 36 months.</p>
<p>A spokesperson for the Ministry of Training, Colleges and Universities has confirmed that the average amount students receive is $17,022 and the average tuition for programs approved is $7,395. You can also apply for student loans.</p>
<p>You can find out if you may be a candidate for the program by:</p>
<p>•    Calling the toll-free Employment Ontario hotline at 1-800-387-5656, or for the hearing impaired, 1-866-768-1157.<br />
•    Go online www.ontario.ca/second career, or<br />
•    Visit a local Employment Ontario assessment centre.</p>
<p>Related: <a href="http://www.moneyville.ca/blog/post/1087053--you-may-have-to-work-more-for-less-ei-in-ontario" target="_blank">You may have to work for less EI in Ontario</a>.</p>
<p><a href="http://www.moneyville.ca/article/1030389--job-market-recovery-leaves-young-people-behind" target="_blank">Job market recovery leaves young people behind </a></p>
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