Click on the Link Below for a Five (5) Page Document From the COH – Housed on https://www.homelesshub.ca/
https://www.homelesshub.ca/sites/default/files/COHhomelessdefinition.pdf
by Shari Prymak
As you approach the final stage of purchasing your new car from the dealership, you will likely be presented with a wide range of extra-cost items which you may not be prepared for. The business office is the place where the dealership takes a final opportunity to sell you on various add-ons before closing the deal. While some of these options might be worth considering, others are simply not worth the money. It is important to understand what you are being offered in order to make a fully informed purchase decision.
Administration/Documentation Fees – Avoid
Many dealerships will try to charge admin/doc fees anywhere from $299 to $799 as part of the itemized breakdown on the new car purchase agreement. It is important to understand that, unlike delivery and destination or provincial levies, this is not a mandatory fee which all dealerships charge. If possible, ask the dealership to waive this fee from the purchase agreement. Some will be willing to do so in order to close the deal. If the dealer cannot waive the charge, ask for a discount equal to or exceeding the amount of the charge.
Nitrogen Tire Package – Avoid
The idea here is that pure nitrogen helps to maintain consistent air pressure in the tires even through large temperature swings. Given that regular air already contains nearly 80 percent nitrogen, the argument for pure nitrogen is questionable to say the least. In any case, the money spent on this package will have been wasted the next time you fill your tires with regular air. Some dealers charge as much as $400 for this extra, and we recommend passing on it.
Wheel Locks – Avoid
Wheels locking nuts help protect your wheels from potential thieves. For $100 or so, it may be worth the charge on certain cars with fancy wheels, but it offers no value to the average mainstream car, particularly those with steel wheels and hubcaps. Locking nuts can also make tire rotations a major hassle since you have to keep the key in a safe, secure spot.
Window Etching – Avoid
Some dealers will charge up to $500 to etch the car’s VIN into the glass to deter thieves. Again, this is an extra that is not worth its price tag. Most thieves know to look for etching when stealing a car. If you still see value in it, you can purchase a do-it-yourself kit for a modest amount. If the dealer pre-installs etching on their cars and insists on the charge, simply ask for a discount to offset the cost.
Maintenance Plans – Avoid
Maintenance plans allow you to prepay for your car’s maintenance for the first few years of ownership. Although the idea may sound appealing, these plans rarely offer the value they promise. Maintenance plans can cost as much as $2,000 and basically only cover inexpensive items such as oil changes and inspections. With the extended service intervals of today’s cars, the money is better saved for out-of-pocket service visits.
Wheel and Tire Protection – Avoid
Some dealers may offer tire protection for up to $1,000. Tire protection plans are often filled with exclusions, including potholes, curbing, and nail punctures. Without these items being covered, the value of a tire protection package is questionable at best. We recommend passing on this extra.
Rust Protection – Consider
Dealerships typically offer a few options for rust protection, including a spray-on product, wax coating, or even electronic modules which supposedly prevent rust. These products can be priced as high as $1,500 and usually come with some kind of warranty. We recommend skipping the expensive and questionable dealer products and simply go with a time-tested, inexpensive alternative. One solid option is Krown Rust Control, which offers a proven oil spray application that can be very effective when applied on a regular basis. For more details on rust protection, please read this article.
Extended Warranty Plans – Consider
Extended warranty can provide peace of mind and value to those who drive over 20,000 km per year. High mileage drivers are more likely to take advantage of the extra coverage compared to those who only drive 10,000 km per year. An additional 2-3 years of full comprehensive coverage usually costs in the range of $2,500. Less expensive options that only cover the engine and transmission are available as well. It is important to verify that the warranty is a manufacturer plan as opposed to a third party provider. If you are unsure whether you want an extended warranty plan, then wait. You have until the end of the original comprehensive warranty period to decide on this extra.
Lease Protection – Consider
Lease protection is an excellent option to consider for those concerned about returning a car to the dealer at the end of the lease. At a cost of around $1,000, it protects you from potential wear and tear costs, including minor dents or scratches that the dealer could otherwise charge you for. Simply hand over the car and let the dealer deal with those issues.
Paint and Interior Protection – Consider
Dealers often have expensive cosmetic protection products for both exterior paint and interior surfaces. We recommend getting a quote from a reputable independent detailer which may offer far superior products. Vinyl paint protection film, ceramic paint coating, and fabric/leather protectors are all viable options for maintaining the long-term aesthetics of your car. You can even purchase and apply many of these products yourself to save money.
Accessories – Consider
Car accessories such as floor liners, tow packages, dash cams, and remote starters are often best purchased at the dealership. It is important that these items have been approved and tested for your car, and the dealership products will meet this requirement.
Published: April 01, 2026 at 8:58PM EDT
https://www.ctvnews.ca/london/video/2026/04/01/ark-aid-to-slash-beds-hours-amid-1m-funding-shortfall
Ark Aid Street Mission is sounding the alarm a day after a federal homelessness program and city hall’s cold weather response ended.
Executive Director Sarah Campbell says the financial shortfall will exceed $1 million for the frontline agency, forcing several difficult but necessary service cuts for homeless Londoners.
It represents approximately one-third of their operational funding, and means essential services like meals, showers, clothing, washroom access, assessments, referrals, and system navigation will now rely entirely on donor support.
A total of 50 overnight spaces this winter (across three locations) will immediately cease.
The Ark had operated London’s only seven day-a-week open door emergency service outside regular business hours.
Services at 696 Dundas St. will be reduced from between 20 and 24 hours a day — to just four hours.
“We’re currently stepping everything down, starting with the night beds for winter. We will then reduce our daytime hours and by the end of the month, we’ll have just four hours each day,” Campbell explained.
Those remaining hours will be around dinner time.
“We have anywhere between 50 to 70 people through the doors at any one time, and on an average weekend we’re seeing 400 unique individuals come through our space because on Saturdays, Sundays and holidays there are no other open doors,” Campbell added.
Twelve referral organizations had been utilizing The Ark as a drop-off location for homeless individuals, including London police and local hospitals.
Campbell is disappointed that no other government funding was made available before the previous federal program expired March 31.
“If we have zero government dollars, how do we make sure that we show up for the people who need us, when they need us most?” she asked rhetorically.
Among the other services lost or significantly reduced:
“These are essential basic needs, but they’re also life saving activities,” Campbell explained. “We don’t allow any drug use on site, but we do have overdoses around our building regularly. In fact, we’ve responded to 29 overdoses just since January, so being present here is critical.”
Ark Aid Street Mission is issuing an urgent plea to donors and all levels of government.
“We would like the funding gap filled by the municipal government because that’s the [level of government] we can go to directly, but it’s not their responsibility alone,” Campbell told CTV News. “It was federal funding that had come to the municipality [that ended], so we’re advocating to all levels of government.”
Campbell worries that fewer services, resources and indoor spaces will lead to more suffering on the streets of London.
“I don’t think there’s a person in London who doesn’t know that this is a catastrophe,” she said.
The beds inside The Ark’s Cronyn Warner Shelter are not affected by the funding shortfall, but its funding is scheduled to expire in one year.
Editorial standards & policies
Estair Van Wagner said the letter of the law was followed in Mark Plank’s high-profile eviction case, but not the “human rights element.”
Michael John Lo
Apr 2, 2026 4:30 AM
Listen to this article | 00:04:54 Duration
The near-eviction of a 63-year-old Victoria renter due to missed rent-increase payments brings home the impact of treating housing “as a commodity instead of a home,” says a University of Victoria associate law professor.
Estair Van Wagner said the letter of the law was followed in Mark Plank’s high-profile eviction case, but not the “human rights element.”
“The process of eviction, whether or not it actually results ultimately in the loss of someone’s home, is really traumatizing,” she said in an interview. “We should be building a system where we avoid that at all costs.”
Plank was set to be evicted on Tuesday from his Cook Street Village apartment after he lost a Residential Tenancy Branch hearing that he did not attend.
The self-described computer illiterate had been sent a rental-increase notice, then an initial 10-day eviction notice, via email to an account he does not access without the help of others. His property manager started the eviction process the first month he failed to pay the $24 increase, though his rent payment at the original $828 rate was accepted.
Following advocacy from groups like Together Against Poverty Society and the Victoria Tenants Union, he was able to reach a last-minute agreement to stay in his home.
Van Wagner said many people in situations like Plank’s don’t have the knowledge or confidence to use existing legal protections to help their case. “People will leave at the first instance of being told that they’re evicted without exercising their rights,” she said.
Plank didn’t report the fact that his studio unit had leaky taps and a broken fridge out of fear of jeopardizing his housing, even though a landlord is required by law to fix those issues once they are made aware of them.
“We aren’t providing enough legal education and resources and advocacy to make sure that folks not only know their rights, but feel that they can exercise them,” Van Wagner said.
While the media can highlight cases of so-called “nightmare tenants,” there are more rental units that aren’t being kept to provincial standards than problem tenants, she said.
Ultimately, preventing evictions, particularly for seniors, those with disabilities and others who are vulnerable in society, is the best way to prevent the homelessness crisis in Victoria and elsewhere from getting worse, Van Wagner said.
“The infrastructure around dealing with homelessness is extraordinarily expensive, and it’s expensive both on a very practical level of emergency shelters and services … but also on the long-term health and mental-health impacts it has on folks,” she said.
Van Wagner said better funding of legal services like those offered by TAPS is a good first step.
TAPS lawyer Leila Geggie Hurst said demand for legal help with evictions is extraordinarily high in Victoria, noting her organization’s walk-in capacity for tenancy issues filled up within four minutes on Tuesday morning.
“There used to be a time in the distant past when if a tenant got an eviction notice, they were able to pretty quickly find housing and move elsewhere,” she said.
But now, tenants are more desperate and more willing to fight to stay in their housing because there are fewer affordable options, Geggie Hurst said, adding that the loss of housing often causes a “catastrophic spiral” in someone’s life.
Kaeley Wiseman, a professor at Vancouver Island University’s master of community planning program, said people often assume there’s a safety net for people who are living in aging, cheaper buildings and are displaced for various reasons.
“They assume that people like Mark [Plank] will then get picked up by the non-profit sector,” said Wiseman, who is also principal of Wiser Projects, a non-profit housing development consultancy.
But finding subsidized, non-market housing is getting more difficult “because this provincial budget has axed that safety net,” Wiseman.
Premier David Eby’s government retroactively clawed back hundreds of millions of dollars in the province’s Community Housing Fund in its latest budget, effectively stalling many affordable-housing projects across B.C., including on Vancouver Island, Wiseman said.
The funding crisis in the non-profit construction sector is likely to last for the next decade, and that’s not good when it takes eight to 10 years to build a publicly funded housing project in Canada, she said.
“You can imagine the competition for the units that we have built in the last 15 years … is going to be fierce.”
Wiseman said 15 per cent of housing available in Canada should be non-market, but the actual amount is only around three to four per cent.
“So by cutting all this stuff, Eby has undermined our entire province,” she said.
Poor people in Canada pay for funerals through provincial social assistance programs (like BC’s Ministry of Social Development or Ontario Works), the federal Canada Pension Plan (CPP) Death Benefit.
Many today are choosing simpler, lower-cost options like direct cremation, with funeral homes often guiding families through these limited financial resources. Government aid covers basic services, but often falls short of average funeral costs, requiring families to supplement or choose minimal arrangements.
Work with Funeral Homes: Funeral directors are familiar with these programs and guide families to choose services within the available budget.
Ministry Pays the Funeral Home: If approved, the ministry pays the funeral home directly for approved services, which may cover cremation or burial and other basic costs.
Peace to All and Best Wishes to All in the New Year of Life and it’s passing encounters.
theurbansurvivor.org
Written by: Vikki Hopes
Feb 25, 2025 10:22 AM
Listen to this article by accessing the above player.
A 30-bed emergency shelter for older adults is being planned at Central Heights Church in Abbotsford.
The plan came before city council on Tuesday afternoon (Feb. 25), when a temporary-use permit and housing agreement were approved.
A staff report to council states that 30 individual “sleeping units” will be provided in an existing building on the church property at 1661 McCallum Rd.
That area at the north end of the building has been operating by Sparrow Community Services Society as a severe weather shelter for older adults.
A letter to the city from BC Housing in September 2024 states that in order to accommodate the emergency shelter, the building will be renovated to include sufficient washroom and shower facilities, accessible entry and operator spaces.
The space is expected to be completed this winter.
The Central Heights Church Shelter will continue to be run by Sparrow – which serves older adults (50+) who are at risk of homelessness – under an agreement with BC Housing.
Support services will be provided 24/7 under the Homelessness Encampment Action Response Temporary Housing (HEARTH) and Homelessness Encampment Action Response Team (HEART) programs.
The staff report to council says a temporary-use permit was required to accommodate the proposed use as it abuts an existing residential use.
The permit will be valid for three years, with the opportunity to request one three-year extension.
The housing agreement includes that the operators must form a good neighbour committee with monthly meetings for the first four months and then on an as-needed basis.
The operators must also provide support services – directly or through referrals – such as life-skills training, counselling and substance-use services.
They must also at least have two staff on site 24/7, and ensure that guests “do not disturb the peace, quiet and enjoyment of the neighbourhood.”
The project has drawn support from Fraser Health and the Abbotsford Police Department, which states that the current services offered at the site have required fewer police resources than comparable facilities.
The city says there are currently 40 encampments and more than 400 unhoused individuals across Abbotsford.
Originally published online at The Abbotsford News
Tom Kershaw & Paige Oldfield
Sun 16 February 2025 at 11:37 am GMT-8·1-min read
They may be small and swift, but if you notice this tiny silver creature scurrying around your home, you could be facing a significant and costly issue. Experts are advising anyone who spots a silverfish in their property to promptly check for dampness.
These shiny, teardrop-shaped insects thrive in moist conditions and are particularly fond of areas with water.
If you see one darting into or out of your skirting boards or crevices around window sills, it’s likely a sign of damp and moisture within your property. If not addressed, dampness can lead to a host of problems, including cracked bricks, rotting joists, decaying plaster, and spreading mould spores. In extreme cases, it can even compromise the structural integrity of the property and impact air quality.
Dampness can result from various factors, such as leaky drainpipes, condensation, ageing damp proofing, or inadequate ventilation, especially in bathrooms or kitchens where water vapour tends to linger. Identifying the cause can be tricky, but the presence of silverfish indoors usually signals that there’s dampness requiring attention.
The sooner signs of dampness are detected, the easier it will be to eradicate the bugs. It recommends looking for indications on walls like wet or damp patches, peeling wallpaper, and flaking plaster.
Other telltale signs include damp and musty smells, rotting wood, and the emergence of mould and mildew on walls, floors, or ceilings.
Among the proposed remedies are utilising a dehumidifier, maintaining good ventilation in your home, inspecting your gutters for leaks, applying damp-proof paint to your walls and, if necessary, engaging a professional to address areas impacted by rising dampness.
Originally published on Yahoo! United Kingdom
Dealing with a slumlord can be incredibly frustrating and stressful, but there are steps you can take to protect your rights and improve your living situation. Here’s a guide to help you navigate the situation:
1. Know Your Rights
2. Document Everything
3. Communicate with Your Landlord
4. Report Code Violations
5. Withhold Rent or Repair and Deduct
6. Join or Organize with Other Tenants
7. Seek Legal Help
8. Consider Moving
9. Report to Local Media
10. Stay Safe
Resources to Help You:
By taking these steps, you can hold your landlord accountable and work toward a safer, healthier living environment.
One of the more daunting questions related to astrobiology—the search for life in the cosmos—concerns the nature of life itself. For over a century, biologists have known that life on Earth comes down to the basic building blocks of DNA, RNA, and amino acids. What’s more, studies of the fossil record have shown that life has been subject to many evolutionary pathways leading to diverse organisms. At the same time, there is ample evidence that convergence and constraints play a strong role in limiting the types of evolutionary domains life can achieve.
For astrobiologists, this naturally raises questions about extraterrestrial life, which is currently constrained by our limited frame of reference. For instance, can scientists predict what life may be like on other planets based on what is known about life here on Earth? An international team led by researchers from the Santa Fe Institute (SFI) addressed these and other questions in a recent paper. After considering case studies across various fields, they conclude that certain fundamental limits prevent some life forms from existing.
The research team was led by Ricard Solé, the head of the ICREA-Complex Systems Lab at the Universitat Pompeu Fabra and an External Professor at the Santa Fe Institute (SFI). He was joined by multiple SFI colleagues and researchers from the Institute of Biology at the University of Graz, the Complex Multilayer Networks Lab, the Padua Center for Network Medicine (PCNM), Umeå University, the Massachusetts Institute of Technology (MIT), the Georgia Institute of Technology, the Tokyo Institute of Technology, and the European Centre for Living Technology (ECLT).
The team considered what an interstellar probe might find if it landed on an exoplanet and began looking for signs of life. How might such a mission recognize life that evolved in a biosphere different from what exists here on Earth? Assuming physical and chemical pre-conditions are required for life to emerge, the odds would likely be much greater. However, the issue becomes far more complex when one looks beyond evolutionary biology and astrobiology to consider synthetic biology and bioengineering.
According to Solé and his team, all of these considerations (taken together) come down to one question: can scientists predict what possible living forms of organization exist beyond what we know from Earth’s biosphere? Between not knowing what to look for and the challenge of synthetic biology, said Solé, this presents a major challenge for astrobiologists:
“The big issue is the detection of biosignatures. Detecting exoplanet atmospheres with the proper resolution is becoming a reality and will improve over the following decades. But how do we define a solid criterion to say that a measured chemical composition is connected to life?
“[Synthetic biology] will be a parallel thread in this adventure. Synthetic life can provide profound clues on what to expect and how likely it is under given conditions. To us, synthetic biology is a powerful way to interrogate nature about the possible.”
To investigate these fundamental questions, the team considered case studies from thermodynamics, computation, genetics, cellular development, brain science, ecology, and evolution. They also consider previous research attempting to model evolution based on convergent evolution (different species independently evolve similar traits or behaviors), natural selection, and the limits imposed by a biosphere. From this, said Solé, they identified certain requirements that all lifeforms exhibit:
“We have looked at the most fundamental level: the logic of life across sales, given several informational, physical, and chemical boundaries that seem to be inescapable. Cells as fundamental units, for example, seem to be an expected attractor in terms of structure: vesicles and micelles are automatically formed and allow for the emergence of discrete units.”
The authors also point to historical examples where people predicted some complex features of life that biologists later confirmed. A major example is Erwin Schrödinger’s 1944 book What is Life? in which he predicted that genetic material is an aperiodic crystal—a non-repeating structure that still has a precise arrangement—that encodes information that guides the development of an organism. This proposal inspired James Watson and Francis Crick to conduct research that would lead them to discover the structure of DNA in 1953.
However, said Solé, there is also the work of John von Neumann that was years ahead of the molecular biology revolution. He and his team refer to von Neumann’s “universal constructor” concept, a model for a self-replicating machine based on the logic of cellular life and reproduction. “Life could, in principle, adopt very diverse configurations, but we claim that all life forms will share some inevitable features, such as linear information polymers or the presence of parasites,” Solé summarized.
In the meantime, he added, much needs to be done before astrobiology can confidently predict what forms life could take in our Universe:
“We propose a set of case studies that cover a broad range of life complexity properties. This provides a well-defined road map to developing the fundamentals. In some cases, such as the inevitability of parasites, the observation is enormously strong, and we have some intuitions about why this happens, but not yet a theoretical argument that is universal. Developing and proving these ideas will require novel connections among diverse fields, from computation and synthetic biology to ecology and evolution.”
The team’s paper, “Fundamental constraints to the logic of living systems,” appeared in Interface Focus (a Royal Society publication).
Further Reading: Santa Fe Institute, Interface Focus
Originally Published January 2nd, 2025 at Universe Today.
Authored by: Matt Williams
