The Smart Cookies series is being made for the W Network and is all about how to be financially successful as a woman. Each one of our 13 half hour episodes focuses on a different area of life.
We’re looking for fun and outgoing females between the age of 30 – 45 to feature in our episodes. They must be in need of a financial overhaul, want to learn how to be smarter with their money, and not be timid to talk about money on camera!

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I have the contact info for the director (but I have no more information than the above), so if  you’re interested send me an e-mail.  nancy at your money by design (all one word) dot commercial

The Rogers Cable Inc. division also saw growth crimped, thanks to the company’s decision to raise prices by the largest amount to date and at a time when the economy has begun to soften.

This was no ordinary friendship. I hesitate to use the word “soulmate” which has a slightly ethereal sound to it. I prefer to say this was a “friend of the soul”. The relationship was characterized by mutual regard, transparency and fierce loyalty. This, in addition to intelligent conversation, mutual shared values (!), seeing one another through some extremely tough times, and a hell of a lot of fun over the six years. We’re lucky to encounter this in our lifetime. And I certainly believed with my whole heart that this would last a lifetime.

But there was one aspect of me that bothered my friend, which bothered me, and it would erupt and disrupt repeatedly. Repeatedly, but not chronically.

In my perspective, it was entirely tolerable, and came with the territory of genuine intimacy. If the friendship were a ‘pie chart’, maybe 5% tops would be allocated to this conflicted area. The remainder would filled with, well, the qualities mentioned above.

To my friend’s perspective, it was too much. It exceeded my friend’s ability, much less desire, to see past that to the (in my perspective) weightiness of all that was true and good.

So after six years, I was written off (by e-mail no less).

As you can imagine, after recovering from the initial blow, it has caused significant introspection.

Questions I am grappling with are:

• How is it possible for humans, in all their glory and their mess, to write one another off, ever? (and yet we all, me included, do it routinely in one form or another)
• To what extent do we, as a culture, easily treat one another as disposable? Why is that?
• What is the cost of friendship? What are appropriate measures by which we decide if another human is “worthy” of our ongoing, committed friendship? (I once had a friend who was Always Late - an hour or more. It nearly did us in. Thankfully, I relaxed, she moved to the ‘burbs, and we found other ways to stay connected that didn’t entail me sipping my 10th latte. But what if it hadn’t improved? Would I have written her off?)

So now I suppose I will go through the stages of grief. But the questions haunt me: what is the cost of friendship? How is it possible to write off a person? a person?

photo credit: megyarsh

So good was the post that MSN money picked it up! Yaaaay, Squawkfox!

I thought it was a great piece and frankly, a no-brainer, ie., why wouldn’t we use canvas bags for shopping?

Well some of the 200+ commenters on her post didn’t agree:

1. I don’t care whether or not my plastic bag will be around 50 years from now.  Really, I don’t.  Let’s concern ourselves with how to turn our economy around and get inflation under control.  The media loves to jump on a “fad” until the next one comes along.  Give me a break!
2. If plastic bags are banned how the heck am I going to pick up my dogs business in public places?? paper is not suitable..maybe I can carry a roll of saran wrap for collecting  that crap or better yet put a diaper on the dog… oh wait, that also made of plastic.. damn I guess I better get rid of the dog… now about the catbox ….
3. well, too bad.  i need them for my trash can.

You get the idea.  And there were quite a few like this sprinkled in the mix.

Wow - I guess I’m more left-coast than I thought.  I don’t get it.  Why isn’t using canvas bags a no-brainer?

But there are lots of other great options:

1. increased/improved public transit
2. investing in alternative energy
3. helping out the Cambie merchants

 Readers:  it’s your money!  (if you’re in BC).  What would you want the provincial gov’t to do with it?  (and giving it back to us is an option too!)

In the mix there has been another sub-set: women in their 50s with no money to speak of.
Often it’s not for the reason you’d think. It’s not so much about the traditional Waiting for the Man who Never Came as this: they have lived lives based on their ideals, and forgot to include the sexiness of including a solid investment portfolio in the package.

They have pursued their dreams, things like travelling the world to do good, working for causes at low pay, or pursuing passions that didn’t pay off.

We’re lucky to have these women amongst us.

They come to me because at this stage of the game, it’s sinking in: retirement is a decade or so away, and they are unprepared. Other markers include having such a narrow margin between income and expenses that they are having to think seriously about things like whether they can buy a pair of $80 shoes or not. (I don’t mean chronic lifestyle overspending here. I mean a fairly basic, normal expense).

My message to them usually goes along these lines:

1. Part of being an empowered woman is a healthy portfolio and the ability to go toe to toe with any suited financial planner and know what they’re talking about.
2. If something is truly “meant to be” it will include the financial resources to be prudent. If it doesn’t include that aspect, no matter how compelling, it probably is not, in fact, “meant to be”.
3. There is still time to get on solid ground. It will take intention, and action. The starting place, unlike most of my clients, is not how to cut back even further, but to figure out how to increase their income. And that is their first task.

Photo Credit: Liz Noise

And, more amazingly five of my neighbours actually DID sleep outside there last night. I’m blown away, and wish I’d joined them. Another night.

And one last thing for the record. I brought my daschunds and they were totally cool in the park, and in fact there were 4 other dogs there so they all had their own doggy protest.

OH, AND MORE GOOD NEWS: according to this just released by cbc BC had an almost 3 BILLION dollar surplus in 2007. Anyone wanna tell me our housing issues can’t be addressed??

Many of you know of the infamous Oppenheimer Park in my ‘hood, the Downtown Eastside. It’s a pretty grim park, frankly. I only go there rarely and I don’t let my dogs walk there because of the needles. And other stuff. See image below.

People without a house and nowhere to couch surf hang out there in the day and sleep there in cardboard and cheap sleeping bags at night. Not my kinda crowd, not easy people to be around, and easy to dismiss.

But this next part is insane:

Yesterday morning at approximately 4:30am the police took action against the homeless living in the park. People were ticketed and were allowed to leave with their belongings- those who didn’t have shopping carts or other means of carrying their belongings had everything loaded into a garbage truck that had followed the police into the park.

The police stated they intend to continue this action on coming nights.

I ask you:

1. What the hell is the point of ticketing them? TICKETING the HOMELESS?

2. Exactly who among us is upset that we can’t use the park at 4:30am because people without homes are sleeping there? Why, precisely, was it so imperative that they be moved along at that ungodly hour?

3. Where, exactly, do we as a society expect them to move along to? At 4:30 in the morning? Without a place that is their own?

My fellow citizens, and especially those in Vancouver,

if you, like me

• have a place to call home (esp. us property owners)
• enjoy enough abundance that we can delight in getaways for the weekend (ironically, away from our own homes)
• possibly struggle with so much stuff that we actually store our excess

if you, like me want, to live in CANADA, not some Dickensian horror,

for Christ’s sake (perhaps literally), here is some action you can take:

1. Hold your politicians to account. This is not about the police. It’s about what kind of society your politicians are shaping. E-mail the following with your thoughts on the matter: Mayor Sam Sullivan, sam.sullivan@vancouver.ca Peter Ladner clrladner@vancouver.ca ; Kim Capri clrcapri@vancouver.ca ; Suzanne Anton clranton@vancouver.ca or the entire council at mayorandcouncil@vancouver.ca
2. Inform yourself further - easily - by things like joining the facebook group Streams of Justice. This is a faith-based group but you will be comfortable hearing about and joining their activities no matter your own faith or no faith at all. Or, browse and keep checking Blackbird’s photo documentaries on homelessness in Vancouver on Flickr.
3. If you are ready for some more radical action, I am considering sleeping outside myself as an act of solidarity. Not sure when, not sure where, but I hope to have my podcasting skills up to speed and contribute to the documentary of what happens at 4:30am in Vancouver. If you may be interested in joining me, either twitter me (money coach is my handle) or do a bit of research to figure out how to contact me (because of the nature of this post, I am not going to publish my e-mail or I’ll get tons of hate-on stuff)

We don’t have to settle for a lame-ass city, fellow citizens. But our politicians need to know we’re not OK with this.

-nancy

The park in question:

update - this press release:
July 17, 2008, Vancouver, BC:  Police continue to ticket and confiscate belongings of “homeless” campers at Oppenheimer Park in the Downtown Eastside every morning.  The sweeps typically happen between 5:00 a.m. and 6:00 a.m. and campers were threatened today that multiple tickets will turn into arrests tomorrow.

Neighbours are concerned about this and not for the usual reasons the public would expect.  Kathy Walker, a parent of 5 and resident of a house across the street from the park, will sleep out with the campers tonight.  She said: “The park has been very much under control all year.  People are quiet, they clean up after themselves and they support each other.  They put away their tents before the park opens at 8:00 a.m.  These people are part of a community.  We want Oppenheimer exempt from this unfair by-law.”

With a virtual zero % vacancy rate, closure and upscaling of many local residential hotels, 40,000 turnaways from shelters over a 9 month period in the area, the campers themselves wonder where they are expected to go.  Brian Humchitt and his partner Tina Eastman were ticketed this morning.  They said:  “We’re homeless in our own land.  We are struggling to survive in our home which is our tent.”

Wendy Pedersen, parent of 2, resident of the DTES and organizer for the Carnegie Community Action Project, says “these tickets will turn into warrants.  This by-law is the perfect tool to aid the police to move people where they want them to go before the 2010 games - out of the Downtown Eastside.”

PIVOT Legal Society is collecting tickets and planning to contest them in court.

A convergence of concerned neighbours is planned for 5:00 a.m. Friday morning and a press conference will be held at 6:00 a.m.  Planning is underway to continue the pressure.

PRESS CONFERENCE

Where:  Oppenheimer Park, 400 block Powell Street
When:   Friday, July 18 6:00 a.m. - near the totem pole