Showing posts with label Finance. Show all posts
Showing posts with label Finance. Show all posts

23.11.14

Books Reviewed: by Wendell Berry & Lazar Puhalo



Two books by two men from vastly different backgrounds, though still grounded in Christian tradition, tackle the meaning of society and what it means to live side by side with one another through a collection of their essays.

Sex, Economy, Freedom & Community
by Wendell Berry

Wendell Berry is a giant thinker and wildly counter-cultural. He is a farmer in Kentucky, but he is highly regarded by organizations such as Stanford University, Rockefeller  & Guggenheim Foundations, etc. What is lovely about Mr. Berry is that he is living out what he is advocating for in regards to community life, local economies, participating in the restoration of creation, and political activism. Most of all, he is a passionate Christian.

In one chapter, Berry systematically tears down all of the arguments that George Bush Sr. had for attacking Iraq in the early 90s. In another he defends the harvest of tobacco - a coy poke at modern liberalism, though not insincere on the tobacco side either. Another chapter is almost pure satire on the topic of globalization, militarism, and technological progress. Elsewhere he harshly attacks the notion of free trade. These were enjoyable reads, but the real meat in the book were the ones directly addressing the affirmatives in how he believes people made in the image of God ought to live.

Berry is best when he points out nuanced, and sometimes drastically unbalanced, ways we see the world - creation. He points out that a word like environment "is a typical product of old dualism that is at the root of most of our ecological destructiveness." What's the big deal? Well, it removes local responsibility and care. The term "environment" is sterile, like "ecosystem," it is just a scientific concept rather than a reality of the actual ground in our literal back yard or nearby forest or the field that is ploughed in our neighbourhood.

Berry's treatise on heaven and earth is particularly refreshing. Heaven is the New Earth - a fully restored, functioning earth right where we already are. How should this inform a Christian's actions in local economies? He reignites the concept of dualism and how it has destroyed our ability to truly engage restorative actions in our current life since we believe the spiritual soul is certainly of more import than the decrepit body. It isn't
person = body + soul
rather, it is
soul = body + breath of life
Recognizing that the physical realities are indeed spiritually significant changes all paradigms.

Culture, Commonweal and Personhood
by Lazar Puhalo

As I reported earlier, I had the great privilege of meeting Archbishop Puhalo this past summer. To hear him state his qualifications, you would think he is an astrophysics lecturer at the Sorbonne with a part time neurobiology post at UBC. In reality, he is a highly educated, highly respected clergyman who has been able to take part in countless public dialogues with great scientists on the issue of science and faith. He lives at the Monastery of All Saints outside of Abbotsford, BC where he continues in his retirement to serve as a local bishop in the small chapel there as well as the official liaison between the Archdiocese of Canada and the Government of Canada.

This book takes several of its essays from actual talks Puhalo delivered at various conferences in Romania within the last 10 years. He talks through how science is poorly understood and viewed without a patristic understanding of Christian theology. He lays out the pros and cons of ecumenical dialogues. The idea of personalism is analyzed thoroughly in its historical evolution and its contrast with Orthodox principles.

In general though, it is societal, religious, and philosophical paradigms that are defined, shown insufficient, and revealed how they are incompatible with Christian thought. Though the text is very dense, I was able to follow Puhalo's organized stream of consciousness, and learn a few things in the process. I was both affirmed and challenged.

16.11.14

Tool Shed Brewery & Beer for Life



A year ago, I tried my first Tool Shed beers: Star Cheek IPA, Red Rage Ale, and People Skills Cream Ale. I was immediately enamoured with the Star Cheek IPA which was a far more local, affordable, and high quality IPA compared to the west coast American IPAs I have learned to appreciate.

Graham and Jeff started out as home brewers and decided to take the plunge and start a brewery. They had to begin brewing in BC by renting Dead Frog's brewery because of the archaic brewing laws in Alberta. This year, the laws changed and they secured a spot in NE Calgary and have built a magnificent brewery.



To help raise capital and extend their appreciation to their original backers, they offer 100 Golden Growlers: Beer for life for $5,000. If you're interested in the terms of the agreement, you can contact them. Graham responded very quickly to my clarifying questions and invited me to come and meet him to chat about it.

The beer maxes out to 200L each year. They are happy to provide the beer in growlers, cans, kegs, etc. You can have several people attached to a single Golden Growler subscription and each will be able to access the benefits (sharing the 200L - about 600 beer - of course). Another benefit is exclusive access to test batches.



So, on October 23, Amber and I went on a date to visit the new brewery and get a tour by Jeff. He spent 45 minutes with us showing us the new digs and telling us about the plans. They had brewed their first batch that day, but he was happy to take the time. I signed up and handed over the money that would give me and 2 friends the benefit of beer for life.



The 100 Golden Growler members' photos will be featured on a wall. Each will be given a special 1.89 L growler and be invited to exclusive events. I'm excited for the first one where we will get to try the test batch of the Eggnog Milk Stout.

8.3.13

Dragonfly Cohousing Project Update



I attended my first cohousing meeting October 8, 2009, about a year after this project was initiated. Amber and I became equity members on October 14, 2010. So much has happened since (land purchase, development permit), but in the last few months:

  • building documents are being drafted with a building permit application going in in the next week or so
  • 33 of the 36 units are sold
  • our group of equity members have put together just over $4 million
My role in all of this has been in the membership/marketing team. I led an online media campaign on Facebook and Twitter for the month of February including remaking the website on WordPress and producing a video (and another that I just haven't felt too pressured to finish). I got to see the relevance of online advertising and creating a content calendar. I also got to see that it is quite easy.

We hope to have a mighty machines on the ground in early May with a move-in date approximately 12 months later.

13.12.12

Downsizing by 51%



We are giving up hour 1200 square foot (plus 600 sq ft unfinished basement) townhouse. In fact we've already given it up in that we are renting it out. Our family of 4 is renting half of another house with another family of 4 who has the other half of the house - worthy of another post. Within the next 18 months (Lord willing), our family of 4 will move into a 762 square foot flat in the brand new Dragonfly Cohousing complex Crescent Heights, Calgary. We will also have access to 90 cubic feet of storage space (10 sq ft of floor space).

The new space is officially a two bedroom unit, but a 6' X12' storage room has a window and door, so it can serve beautifully as our son's bedroom. To create storage and study spaces, all of us will be sleeping in loft beds with our clothes hanging underneath them and shelves making up the raised bed frame. Amber and I will have our office space in our bedroom. Since Acadia will have the most space per capita in her bedroom, she will have to accommodate the most storage in her bedroom (probably in her closet).

But, since Amber and I have been amassing stuff since we were old enough to understand the concept of private property, we face the issue of ridding ourselves of stuff. Even with clever shelving (like a 7' high book shelf that sits above couches and the dining area) and innovative space saving, we would be in a tremendously cluttered space if we didn't eliminate as much useless stuff as possible.

So, we have already begun to trim the fat.

  1. We no longer have a guest bed (there will be some available in the common house). 
  2. We have 2 living room chairs for sale on kijiji as our couch, loveseat, and ottoman will be sufficient. 
  3. I brought my 500 CDs to the used CD shop where they gave me $450 of in-store credit (I turned down the $150 cash) for 150 CDs. I've already picked up 40 DVDs with the credit. The rest of the CDs went to Good Will.
  4. Before our move in July, I brought 2 boxes of books to a used book store (and then Good Will). After the move, I went through my library again and shed another 4 boxes. I think I'm down to 6 boxes of books now.
  5. Amber and I have 5 boxes combined of university stuff, newspaper clippings, cards, letters, and other personal effects that we plan to digitize over the next couple winters.
  6. Four boxes of photographs and photo albums are on the chopping block too - all to be digitized and then tossed.
  7. The kids have gotten rid of countless boxes of toys they no longer play with.
Here is a list of the following excuses I could use not to downsize:
  • I already have it, why
    • throw it away (landfill abuse)?
    • sell it (below cost)?
    • digitize it (hours I could spend volunteering)?
  • I already have the space, why pay more to have less space closer to downtown and in a community?
I guess that's it. The positive reasons to downsize:
  • We would be more focused on quality and purpose, not quantity when purchasing stuff.
  • More people in smaller space forces interaction.
  • Less space 
    • to clean
    • to heat
    • to light
    • to accumulate junk
  • Theoretically less driving, more transit use since we live downtown (true for everyone else in my family, not me).
  • Having less stuff will force us to depend on others (others who have downsized will depend on us) and share more resources

21.11.12

Scaling Down



The media response following the XL Foods in Brooks, AB shutdown over the last couple months has been a dominated by concerns to make food safer: more regulation, more measures to safeguard the quality of the meat. What is remarkable is the silence regarding the state of food production in Canada and the alarming trend of centralized food processing. This trend is evident in nearly all types of food. I will use XL Foods as an example.

XL Foods was processing about one third of the beef in Canada. Beef from all over western Canada was being processed by workers who had no stake in the company owned by Nilsson Bros. which suggests the care they take in processing is probably directly proportional to the care which their employers take of them. It also means that if a rancher wants to sell their cattle, they have fewer and fewer options of buyers.

Of course the visible goals of centralized food processing is to offer lower prices to consumers and to present standardized quality to the marketplace. Below the surface however is the desire for economic dominance and a strong competitive arm in a global market. Over time, mammoth food producers have absorbed small producers. With the incredible volume of meat that one packaging plant can export, they can easily undercut any small time producer. This is basic capitalism. Who are we to argue with allowing one group to push out another group, especially if it will cost us less for that particular product?

The problem is that it is not a one-dimensional issue, the dimension being economic. The environmental impact of massive feedlots and waste from large scale processing can’t be easily ignored. Drive through Brooks on a hot summer day. What about turning the vast majority of a population into employees rather than small business owners? Is it a benefit economically to quell any possible incentive for someone to open a butcher shop and employ half a dozen local people who may or may not be shareholders in a small business?

In regards to food safety, the multinational corporate mantra has been “if we’re bigger, we can afford better safety standards.” This has brought a wave of standards that can only apply to large meat plants. A small operation would not be able to afford the types of equipment needed to implement the new regulations. This implies that a small butcher shop would carve up your roast with dirty knives in back alleys riddled with drug needles and rusting cans. However, small businesses have a far greater interest in safety standards for a number of reasons. They know their clientele. They simply wouldn’t want to be the cause of a serious illness like an e-coli infection. Another factor is economic. If a small processing plant gets a reputation for not being safe, it wouldn’t be able to survive. In addition, the regulators would shut you down anyway. What about the cost of the product? With a greater number of meat processors purchasing from ranchers and then selling to consumers, you have the natural laws of competition keeping prices fair for both producers and consumers. These motivations do not apply to the large corporate producer.

What about the food itself? When a kilogram of ground beef arrives at SuperStore or Safeway from XL Foods, it can contain meat from hundreds of different beasts. If one of them was sick or if the feces wasn’t washed off of it well enough, then any kilogram of ground beef with that particular animal’s contaminated meat is also contaminated. This multiplies the risk to highly unreasonable levels and spreads it across a vast and unnecessary geographical area. Let’s assume just one large piece of beef was contaminated in the e-coli outbreak that crippled XL Foods this fall, despite their unprecedented 21st century safety features. The meat from this one source of contamination caused illness from Newfoundland to British Columbia and could have also brought infection to the United States if their food inspectors had not stopped it. 1800 products were recalled. And by products, I do not mean items. This represents thousands upon thousands of items pulled from shelves, many of which were statistically safe, but had to be discarded anyway. This is a massive waste of food.

How does a local community move away from massive, unwieldy and crippling structures like the XL Foods Meat Processing Plant? Or the growing number of discount megastores? Or the governmental pressures to globalize local markets by opening up trade with international producers and consumers? Or culture’s taste for exotic foods and electronics? Or regulations making it difficult for smaller operations to function? Are we too far gone? Have we yielded completely to the comforts and convenience of for-profit banks, chain stores, and processed food?

My hope is that the symptoms of these monstrous systems surface sooner rather than later. People will awaken to reclaim their local economies, to revive the good of the local trades and skills, to diversify the local food production, and to remedy the broken relationships we have with our neighbours. In the mean time, I choose to gradually wean myself off of the comfortable and convenient and begin participating in my local economy.

If this resonates with you, pick up Wendell Berry’s collection of essays: Sex, Economy, Freedom and Community. It is a magnificent book.

28.5.12

Preparing the House for Sale



Perhaps the biggest drag to getting into Dragonfly Cohousing is the sequence of housing that precedes living in the project. When construction is completed - sometime next year - everyone involved needs to purchase their unit within a week of the finish. We won't know that date exactly until perhaps a couple days prior. So, we have to sell our current homes well in advance to this.

Three families in our cohousing community have already sold their homes. Ours is for sale now and once it sells, we will move into a rental home with some friends. Yes, we will share a 5-bedroom home with another family of four. This way we can give notice to our landlord a month in advance to the completion of our cohousing project and close on our new property when it is required.

But in order to sell our current home, some minor renos had to happen. I had to remove my DVD shelves (which held 800 DVDs on display in our livingroom) and all the pictures on the wall. I then went around and puttied all the holes in the house and painted.

Then I replaced our carpet with laminate flooring. This proved to be a large job and it was only possible with the help of my good friend Tamer. He lent me all of his tools including laminate installation specific tools, a skill saw and a miter saw.



Tamer also gave me hand tearing out the carpet and giving me very helpful tips on putting the laminate in. The actual laminate was free as our friends (the ones who we will move in with) had their basement laminate replaced because it was slightly damaged in one area (insurance had the whole floor replaced because that type of laminate isn't available anymore). So I picked up 700 sq ft of perfectly laminate flooring. I even sold the last 92 sq ft on kijiji!



Now the house is ready to go. We are selling with Comfree.com - which stands for commission free, so we will only pay the buyer realtor a flat fee that we agree upon, saving us up to $10,000. It only cost us $300 to have our house listed on the comfree website, have photos taken, 4 signs, a discount on a lawyer, have the selling process explained and have our home listed on realtor.ca (MLS). Pretty sweet deal!

22.5.12

Constituency Meeting with Member of Parliament Diane Ablonczy



On February 22 I attended my Member of Parliament's constituency meeting. My MP is Diane Ablonczy. She also serves in the Prime Minister's cabinet as the Minister of State of Foreign Affairs (Americas & Consular Affairs). The meeting took place in a small community centre on a Wednesday evening. Even though I had 4 other evening events that week, I thought it my civic duty to attend as likely one of few non-Conservatives in the Calgary-Nosehill riding.

I collected papers on the proposed changes to CPP and other upcoming legislation which was going to be passed without much opposition since the Conservatives now have their majority, then I sat in the middle of the 5th row next to an elderly couple. The demographics of the meeting were fascinating to me: old white people and younger non-white immigrants (and me). Ms Ablonczy arrived a little late, but after a lengthy introduction and a collective singing of O Canada, she immediately began to address the crowd of between 80-150 people.

Her somewhat informal 30 minute talk was guided by a powerpoint with piles of information. She talked about the trips she made over the past year as Minister of State and about how blessed we are as Canadians. She talked about Canadian business interests in the Americas and how she works to ensure their stability. We heard about the changes to the CPP, long gun registry, and environment.

We were then instructed to write any questions we had onto pieces of paper during a break with Tim Horton's donuts and coffee. The questions were then pre-read and placed in a box and then drawn randomly by one of Ms Ablonczy's assistants and read (rather awkwardly I found). My favourite question was one relating to the changes to the Canadian Pension Plan. The question was clear and direct: "What will the age of retirement be once the new plan is implemented?" The answer was incredibly vague as she spoke of the origins of the CPP back in the 1950s when life expectancy was a lot lower and how things need to change. She did not answer the question at all, neither did she state why she would not or could not answer it.

My question was more open-ended, but I got an even worse answer. My question was on policy:
What is the government currently doing to ensure economic stability so that it does not adversely affect the most vulnerable sectors of society (the poor, the elderly, the environment, small businesses, etc.)?
The answer I got was this:
What I love about our country is that we can all have different views.
She said this and so decided to avoid actual engagement with the question. She decided against expressing the Conservative platform of free-market capitalism and unregulated economic growth.

I was rather disappointed with her response, so a few weeks ago I sent MP Ablonczy an email with the same question. This is the response I got from her assistant a week later:
Dear Mr. Robichaud, 
Thank you for your recent e-mail to the Hon. Diane Ablonczy, regarding your feedback on her February 2012 public meeting. Please be assured that I will bring your message to the attention of Ms. Ablonczy for her information. Ms. Ablonczy does appreciate hearing the concerns and opinions that are important to you. Ms. Ablonczy welcomes feedback from her constituents on how to better serve the public. Your opinions are always taken into account when making decisions on legislation and policy. 
Again, thank you for taking the time to write and express your thoughts and concerns with this situation.
So this leaves me with one of the following conclusions:

  1. She doesn't know what the government's policies are nor the consequences of these policies.
  2. She doesn't care to engage her constituents because she is not concerned with re-election (she's a Conservative MP in Alberta...)

31.12.11

"A Real Deal" or "R.I.P. Roger's Video"



The only store I would frequent the last 3 years is Roger's Video, actually a rental store, but I would pick through their previously viewed DVDs and bring them home by the half dozen every month or so. With their reward points system and regular sales, I'd get the usually mint condition movies for about $5.

My local franchise, the Country Hill Blvd location, closed its doors in August. I was sad. Since then, I've been meaning to head to the Silver Springs location, but I simply haven't thought of it enough.

Last night I remembered as I was driving out of Co-op and found a nearly empty business. 4 parallel shelves and a mostly empty wall held a few DVDs and 3 guys stood around the cash registers. Big signs hung in the windows: Buy 1, Get 3 Free. My lucky day!

I took a good 45 minutes preening through the alphabetical collection and carried a large stack of DVDs to the counter. I left my Roger's Star Rewards card and $110.15 (tax incl.) with the kindly soon-to-be-unemployed video store clerks and walked out 40 movies richer.

2.12.11

To iPhone or not to iPhone?



I expressed this carnal dilemma on facebook last night:
Zaak thinks an iPhone is terrific, found an ideal monthly plan, has his wife's permission to get one, but still can't list enough reasons why he "needs" one. He guesses he'll just keep his money.
Not surprisingly, I got 15 comments. I'll get to those in a minute.

What I didn't post was my full tech needs and resources. 
  • I currently have an iMac (on it's 4th year) on which I do most of my personal work (design, video, email, photo & music library, website, address book, calendar, Skype with family, etc.).
  • I have a school MacBook Pro (also on it's 4th year) on which I do all of my school work (making assignments/tests/lesson presentations, email, grading program, media class prep), cohousing work (email, proposals, committee work, Skype, etc.), and where I do most of my web browsing and blogging (I'm on it now). 
  • I have a first generation iPod Touch 8 GB (which my students think is totally retro) on which I listen to tunes at work during preps, play Angry Birds, use as a calculator, check my email / calendar / address book, look at maps before traveling to a new location in Calgary, and check the news/blogs on the rare occasion my laptop isn't around and I have wifi). I have tried reading books, the Bible, and blogging from my iPod, but it just isn't a very fulfilling experience.
  • I have an 80 GB iPod Classic which serves as our entire music library. It's hooked up to our receiver in the living room and it comes on long car trips. 
  • I share a Nokia mobile phone with my wife that we usually forget to bring with us or forget to charge. I use it to text for carpool rides (about 10-15 texts a month). When we do remember to bring it with us, we'll call home to ask if there is anything we can pick up on the way home (the answer is usually "no"). We've never exceeded the 50 free minutes on any given month.
  • We also have a brand new set of Panasonic wireless home phones. We spend about $30/mo total to have the home phones including all of our long distance.
So, what more could an iPhone (or an Android smart phone*) add to my life?
  • iPhones are a thing of beauty, not unlike a mountain vista or a glorious symphony. My life could be impacted just by the beauty (harmony, intention, power). 
  • The odd time I am a little lost in Calgary, I could use the G4 network and the maps app. 
  • Amber could have full ownership of the Nokia or we could cancel that $15/mo subscription. 
  • I could shoot video and take impromptu photos rather than having to drag my Canon miniDV camcorder or Flip Cam and my Nikon DSLR around everywhere. 
  • I could update my facebook status from almost anywhere. Something I barely do at home.
  • I could give my kids my iPod Touch to play with. 
  • I could adapt enjoy more apps that I have been unable to try/use because my iPod is so old (3.5 years!!). 
Other than that... I can't think of more options. All of these would be super cool. Being able to carry my Nokia, iPod, and Flip all in one is pretty cool - though I rarely have more than 1 of those in my pocket at a time.

Is that worth $60/month (plus the cost of the phone) for the next 3 years (about $2,650 total including tax, fees)? I would likely spend a couple more hundred dollars on apps etc. too.

Now for the facebook comments:
  • Dean, Isabel, Janis, Cate, Marta and Karry LOVE their iPhones and believe I would also. I agree.
  • Sara, Justin, Helen, and Landon suggest alternatives: Androids, something cheaper. Reservations? Yikes!
  • Mom, Petra, and Trish share my dilemma. Yup.
  • Lawrence and Jon discourage me from giving in to my wants. True, true.
So how would an iPhone impact my life? This should be my question.

Yes, I would have a marginally (?) richer tech life. 

Would I likely have my nose glued to it all day and all evening? Probably, knowing my experience with my iPod/MacBook/iMac. This likely means less facetime (irony?) with my family. 

The pocketbook** would suffer. 

As a whole, I will have become more materialistic, though I've already achieved gold status, so what harm could an iPhone do?

As a global citizen, would owning an iPhone be better for everyone? I believe that is a resounding no. The factories aren't exactly a place where I'd like my children to work, so why would I support the employment for the Chinese. The materials used are likely mined unethically and may even contribute to wars around the planet. But again, I'm already a global criminal by the amount of energy, food, and technology that I consume, what's one more gadget?

Finally, the tough question, and one I am reluctant to post here, but hey it might generate a good discussion. I should iterate: I am not judging those who own and love their iPhones. This is my struggle, but maybe it is yours too: Can I as a professing Christian own an iPhone based on the reasons I've posted? I'm not sure I can. And I type these words with sadness because I really, really want an iPhone.

  • My money could be spent more generously, in a more giving way.
  • My time could be spent in relationship, rather than entertainment.
  • I should consider the full, global impact of my spending as the ripple effect is great and terrible.
  • Can my purpose here on earth (to be used by God for the restoration, renewal, and redemption of the world) be better accomplished using an iPhone? (maybe?)
And this applies to far more than just an iPhone. It demands a re-evaluation of my entire life.


* I'm already fully integrated into the Apple Borg, so would an Android phone fully integrate itself with all of my Mac stuff? I was at a loss trying out my coworkers new Android tablet.
** by using this word, do I disqualify myself from even being able to buy an iPhone?

28.11.11

Edmonton Journal Interview

Co-housing requires consensus, patience and coloured cards
BY SHEILA PRATT, EDMONTONJOURNAL.COM
NOVEMBER 27, 2011

EDMONTON —When it comes to making group decisions, Zaak Robichaud faced the ultimate challenge — how to get more than a dozen families together to come up with house plans they all liked for a new co-housing project in Calgary.

It helps, says Robichaud, to use consensus cards. At monthly meetings, everyone gets red, green and yellow cards to signal their views. If someone drops a yellow card, that means they have reservations. The issue has be to talked through.

“You can’t just object and walk away, you are obliged to come and help work it out,” Robichaud says.
It works, he says. But you have to be patient.

After two years, the Dragonfly group recently bought a piece of land in central Calgary near Bridgeland, the architectural design is underway and construction will start next year, he says.

That puts them two years away from moving in, so people have to be patient to get into co-housing, says Robichaud.

In this ambitious, $12-million co-housing project with 36 units, the average cost of a condo is $340,000. That will vary with the size of the unit, from one to four bedrooms.

There is an element of risk in co-housing, given that it takes four to five years from start to finish. The longer you carry the land, the more expensive it can be.

On the other hand, acting as their own developer, the group avoids the cost of a middleman, he says. And the risk diminishes as more units are sold.

When half the 36 units were sold, the group had the money to buy land and get design underway.
Robichaud is confident the complex will sell out, since plenty of people are interested in this new model of housing that combines the autonomy of private ownership with some shared space for socializing.
The group decided it wanted a large common space — 5,000 square feet.

So far, families with a total of 15 kids under seven are signed up, along with some seniors, teachers, doctors and professional people.

The group decisions are endless — one big structure or four separate fourplexes? How many elevators, how big a common room, how much energy efficiency?

But all the work is worth it, says Robichaud, who lives with his wife and two children in Calgary’s northwest suburbs.

“Out here the only thing in walking distance is a 7-Eleven convenience store and an Esso gas station. With two small children, we really feel isolated.” Living in co-housing will change all that.

“In co-housing nobody every pays for babysitting,” he says. “We look after each other.”

27.6.11

Corporate Director



Dragonfly Cohousing, our intentional community that is planning a building project in Calgary, is in the process of incorporating. I volunteered to be one of the four directors just so I could blog about being a director of a corporation. I don't think I have any special duties (this is what I was led to believe) as a corporate director except perhaps reminding people that I am a director of a corporation.

One of our first decisions as a corporation will be that all decisions will be made using the consensus model. This means I will be able to wield as much power as the non-director share-holders. In fact I wield half as much as the single members since I share my vote with my wife.

I'm sure the most fun about all of this is the title. I think I should get a name plate made for my bedroom door: "Corporate Director: Zaak Robichaud"

17.6.11

A Brand New Car


I've never owned a brand new car. I like it.

When the maintenance on our previous car was going to cost upwards of $5000 when the car itself was not worth that much, we made the decision to go car shopping and unload our Audi. We ended up at the Toyota dealership near our house with every intention of getting a 4-5 year old Matrix or Corolla. We were convinced to spend $3000 more on a brand new 2011 Matrix with far better financing.


It had 37 km registered on the odometer.


Despite our desire for a base model (5-speed manual transmission, no A/C, no power windows or locks, etc.), it has numerous features that are standard to new vehicles these days. I just hope they don't cost a fortune to fix. I plan to drive this car until it expires. We've registered over 2000 km in less than a month already.

Huge thanks to our friends who loaned us their car while we shopped (I sold the Audi in a bit of a hurry).

22.4.11

Conservatives "Economic Stability" and e


I read in the Calgary Herald earlier this week that the priorities of my Conservative MP Diane Ablonczy are "the economy and stability." Considering conservative policy on the economy (deregulation, privatization, lower taxes, fewer tariffs, foreign investment and ownership, etc.), this seems like the worst way to promote stability. I think Ablonczy should simply say her priority is unmitigated economic growth despite future costs to communities, small businesses, the environment, the disadvantaged, and pretty much every Canadian, very few of whom will be able to afford the inflated costs of living.

As an example: Alberta. Following a conservative economic policy for the past several decades, the province has a bloated infrastructure and skyrocketing prices in energy, food, housing, education and healthcare. How did it happen? They allowed economic growth to happen too quickly. People flooded the province seeking work causing more demand on just about everything. Private industry was willing to pay outrageous wages and prices for services and supplies making it impossible for the public and non-energy sectors to keep up with livable wages. The gap between rich and poor widened shockingly and as history has demonstrated over and over again - the bubble popped and citizens and province are left with things they can't pay for.

In mathematics we have a number, e, which represents the natural growth constant. It is a number related to everything in the universe that grows. It is also called Euler's Number and it's value is roughly 2.7182818284590... (it's irrational). If things grow at a faster rate, I believe it is unsustainable. If it grows at a slower rate, there is a risk of it failing or dying.

It's not that I don't understand the Conservative's policy. They want to lower corporate taxes so more national and international corporations will park themselves in Canada, create more jobs and in turn generate more revenue for the government. The fallacy is twofold. The larger and wealthier these corporations become, the more political power they gain over than the people (gov't) and their interest is not a public one. Second, the money pools at the top and the benefits are not enjoyed by the most of the population.

The Conservative Party of Canada is promoting a get rich quick scheme that is not-sustainable and that puts our nation's proud federal services and increasingly less stable economy at risk.

I believe the greatest challenge we face is that Canada feels it must compete with the United States with tax rates so our jobs won't flow south. If we operate out of fear rather than out of our identity, we risk losing ourselves completely.

If you choose to not vote Conservative, I encourage you to vote strategically (seriously, visit this site). The Green, Liberal and New Democrat Parties are not very far from each other ideologically whereas the Conservatives are drifting further and further to the right.

11.3.11

Cleaning House with Kijiji


High on my list of things to do this winter is clear out some of the accumulating furniture and stuff in our basement. I photographed all the stuff and posted 11 items to Kijiji. This was almost 2 months ago and I've been able to unload 5 of them. Time to repost what is left.

What is frustrating is that so many people email "Is this still available? I can come get it tonight." I reply that it is still available and that tonight would be fine. I provide a phone number and address. No response.


Sure beats a yard sale in February though!

31.12.10

2001-2010 Decade in Review



2001: Shave my head for the first time, work as a youth pastor at Red Willow Community Church in St Albert AB (Events: Just Shoot Me, Gerta's Eclipse, and fall retreat in Nordegg), canoe the Mackenzie River in NT, camp at Elk Island National Park, attend plays at the Citadel Theatre, travel to Halifax NS for Peter's wedding and Cormier Village NB after a 7 year absence, wake up to news of attack on twin towers on radio, spend Christmas in Smithers BC.

2002: Amber graduates from U of A, church trip to Guatemala and touring afterward, Pépère passes away, continue pastoring at Red Willow leading prayer meetings, leading worship with Kurt and getting kids to YC, substitute teach and then teach language arts and media part time for Edmonton Public Schools, camp at Elk Island, travel to Hope BC for Tey's wedding and Moscow ID for Bethany's wedding, Christmas in Lacombe AB.

2003: Finish my first year teaching at Winterburn School, Amber teaches for six months in Calgary, taken temporarily by Quixtar, cycle across Canada (5858 km) with 8 friends/family, move to Montreal QC and teach science and math at Greaves Adventist Academy, attend the Lord of the Rings trilogy screening at the Paramount Montreal, spend Christmas in NB.

2004: Travel to VT, CT, MA, and NY in the spring, sponsor school yearbook, begin Zaakistan blog, eat very well at various parties in Montreal, run through NDG, friend Stephanie passes away, teach summer session, buy first iPod, drive across North America with stops in NB, MI, WI, and SK, move to Spruce Grove AB to teach music, band and math at Living Waters Christian Academy, impregnate Amber, take Spanish classes, put on school Chrismas concert, host family Christmas.

2005: Put on school spring concert at LWCA, mail out support letters to work in Guatemala, Amber gets huge, enjoy 4 couples friends meals, begin playing Settlers of Catan, Blaise is born, pack up and move to Red Deer, travel with baby to Hazelton BC, Squamish BC, Moscow ID, Montreal QC, Cormier Village NB, move to Tactic Guatemala with Impact Ministries to manage the child sponsorship program, produce promotional material, and guide short term teams, deliver relief supplies to Lake Atitlan following landslide devastation, sell Ester Buck, buy Kia Rio, travel to Fray Bartolomé de las Casas, Antigua, and Copán Honduras.

2006: New school opens in Chicoy, we are robbed while at church, move to house at KM 185, complete first film, turn 30 years of age, visited by Saison, Mom, Papa and Red Willow team, travel to El Salvador, Honduras, Lake Atitlan and Tikal, hike the falls at Chilascó and Pacaya volcano, produce promo video, database, website and slideshows for Impact Ministries, listen to Stanley Cup Edmonton Oiler playoff run online, Amber gets pregnant, screen Strength and Honour: Cycling Canada Coast to Coast at the Montreal International Film Festival, travel to Montreal QC, Cormier Village NB, then Christmas in AB and BC with family.

2007: Two new schools open in Purulhá and Mocohan, we achieve Guatemalan residency, deliver and install 90 ONIL stoves, endure 2 month cough, Acadia is born at home, visited by Will and LWCA team, hike up Purulhá mountain, continue to produce promo videos, guide teams and manage sponsorship program, buy and care for goats with René, join Facebook, Tactic is flooded, take course from Chalmers, deliver 640 pairs of shoes, April spends Christmas with us.

2008: Drive through Petén, Belize, and Quintana Roo to spend holiday with family in Playa del Carmen Mexico, visited by Salomé, Shane, Peter, Red Willow team, Alan and Justin, cycle to Salamá with Garth and Walter, travel to Rabinal, back country near Tactic and with group of friends to Rio Dulce, receive interviews with World Vision Mali and Bearspaw Christian School Calgary, move to AB, buy car and home, niece Abigail and nephew Kai are born, travel to Smithers and Hazelton BC for weddings, teach Bible, Spanish, PE and media at BCS, Amber's sisters live with us.

2009: Begin attending New Hope Church, continue teaching at BCS with math added to the subjects, drywall the basement, spend summer holidays in NB, NS, PEI, BC and AB, buy year passes to Calgary Zoo, attend Leonard Cohen and U2 concerts, start small group, Kylik, Alanna and Indigo winter with us, endure -58 C (with wind chill) in Edmonton, host big family Christmas.

2010: Join Whiskeyjack/Dragonfly Cohousing, begin playing Stone Age, attend Pastor John's book meetings, host Amber's family visit, watch the Vancouver Olympics, Camp with family in Rocky Mountain House, travel to Smithers BC, speak at Katepwa Baptist Camp in SK, celebrate 10 year wedding anniversary in Waterton Lakes National Park, attend several amazing concerts, start teaching Calculus and stop teaching Spanish, cycle to work, April visits from Syria, spend Christmas in Edmonton with my family.


I praise the faithful and ever present God for this blessed decade.

29.12.10

It's a Wonderful Life (Part II)

As I watched George Bailey dream and then watch his dreams slip away to responsibility over and over again, I was reminded of all the dreams that I have abandoned or watch fade.

I was going to be a classical guitarist and then become an orchestra conductor but my hands began to cramp up and my passion for it dissipated. I changed majors.

I was going to become a lawyer, but the challenge of more years in university following my B.A. made me shrink away.

I was going to make films, but the high costs, the easy access that the whole world has to making cheap films (difficult to have your films screened), the low funding (none), and the massive amounts of time involved and need for a collaborative team that are not readily available have dashed this dream.

I was going to work in development in nations suffering from any one of many results of the fall, but after 3 years in Guatemala and a deeper understanding of how transformational development works, I've learned that now is not the time for me to be working overseas.

I was going to travel the world over as a musician, as a tourist with a substantial income, as a film maker, as a development worker, but with a teacher's salary and a family to support, travel is a long way away.

Long hours could be spent dwelling on what I've lost. In fact I could spend my life regretting the demise of these dreams. Instead I have to recognize what I have gained, not lost. I have tremendous friends and family. I have a wide skill set in music, math, development, theology, and film making. I have had incredible opportunities to travel through Europe, the Pacific Islands, North and Central America. I enjoy a fun teaching job at a great school with terrific students. I am a part of a wonderful church. I get to watch great films and go to superb concerts in Calgary. I have a God who invites me to participate in the restoration of the world. And I don't have to go through life alone - I have a beautiful and devoted wife who I love to be my companion and the opportunity to nurture two amazing children.

I have a wonderful life!

20.12.10

The evening

I bought a couple sets of strings last week. I put a new set on my guitar on Thursday evening and as I tightened the G, it snapped. Dismayed, I cracked open the other set to pull out that G only to find seven strings. The extra was a G!

Earlier that afternoon I was given a gift card to SuperStore from the parents and students at my school. As I walked to my car after work, I saw that my front bumper was hanging dangerously low (I have no idea how it happened). As my mechanic is kitty corner from the music shop where I was going, I thought I'd stop in and see if I could get it in the following day. Instead, Ryan had the shop guys bring it in for a quick fix - which they did completely in about 25 minutes. I was charged for 0.3 hours. The total for the guitar strings and work on my car was the same as my gift card.

Just like Episode 22, Season 5 of Seinfeld.

12.11.10

Embarrassing Purchases

OK, think of the two most embarrassing things to purchase.

I purchased both of them at the same time today! I'm a hero!

10.11.10

Used Luxury Vehicles



Posits:
  • People who buy new luxury vehicles generally replace their vehicles within five years
  • Vehicles do not typically require any major repairs in their first five years.
  • People who can afford to buy new luxury vehicles, do not typically drive them into the ground as they can afford alternative transportation for long distance trips.
  • Five-year-old luxury vehicles cost about the same as new midrange vehicles, but they have all the perks of luxury vehicles and they probably will not have registered many kilometres so they will garner appeal.
  • The cost of repairing luxury vehicles is high - highly specialized parts and high dealership labour rates.
Conclusion:
  • Do not under any circumstances buy used luxury vehicles.

10.10.10

Disposable Business Model


There are two things that I hate: Junk and Paying for Junk.

My Canon Pixma MP520 only prints when all the toner cartridges have ink in them - even when I just want to print in black. So, I had to go buy toner at $20 each because my colour ones were empty. As a result I had to throw out 3 perfectly good cartridges because they were empty rather than refilling them. Well, I could have refilled them, but I don't have the gadget to reset the computer chips. So, the cartridges were Junk. A waste!

While shaving is not my favorite activity, I do shave. Usually. And over time I've moved from the Gillette Sensor Excel to the Gillette Mach 3 to the Gillette 5-Blade Fusion and then back to the Mach 3 because it's cheaper. Four cartridges cost $15 or $3.75 each. They are a blend of plastic and a few thin metal blades that last about 6 shaves. So for me to shave costs a fortune and I'm tossing out items that are not renewable.

It's clear that the business plan of both Canon (and other printer manufacturers) and Gillette (who hold a near monopoly on the shaving world) have created a dependence on their products and are cashing in on the replaceable items.

This was not always the case. In the shaving world for instance, there was a multitude of razor blade producers and a host of razor makers. This kept competition up and prices low. Plus the bulk of the money made was not on the disposable blades (which were just the double use blades, no cartridge), but the razor which would last a lifetime. The only place where I can purchase an old-style razor is an online specialty store (Rasage Poulin) as no pharmacies carry them (thanks to Alan for putting me on to this). I will do this. I also picked up an old straight razor at the Red Deer Farmer's Market a couple weeks ago. I need to sharpen it, but it promises to be a treat to shave with.

My printer cost me $100 - to switch out all the cartridges it costs $80. When this toner dies out, I'm buying a laser printer, a Lexmark that takes back your toner cartridge and promises 21,000 printouts per $400 cartridge (though a friend of mine can get them at $80 from a distributor). No waste. No unnecessary costs.

In closing, I think human kind would do better to move towards a less disposable consumer model. Thinking of all the preventable landfill contents (and use of natural resources) of diapers, cartridges, shampoo bottles, etc. saddens me. It also saddens me that we have moved away from high quality products for the sake of saving a few bucks in the short term. Even cars are disposable these days.