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karen blumenthal
target cell
three major credit bureaus
Banks spying on your bills, rent payments, paychecks: report
Daniel Tencer
The age of the plain old credit score is gone, says a report at the Wall Street Journal, and it's been replaced by ever more intrusive efforts by banks and credit agencies to gauge exactly what you're worth, and what you can pay.
To that end, financial firms are now tracking their customers' bank deposits, rent payments or home values, and even utility bills to figure out who may soon become a financial risk, reports WSJ's Karen Blumenthal.
So, for example, if your employer pays you through direct deposits and those deposits stop, financial institutions can now have warning that your money situation is likely to tighten, and may deny you credit on that basis.
But the efforts don't end there. A new area of research, income estimation, "took off earlier this year," WSJ reports, and involves financial firms collecting information about mortgages, personal loans and credit history to determine how much an individual makes and how much credit they should be given.
In this new era of deep data-mining, even your utility bills and rent check aren't out of bounds.
An estimated 40 million consumers, including young people and people who prefer to pay in cash, have too little credit experience to generate a useful credit score. But they are likely to pay rent or utility bills, which could help credit bureaus better assess their credit-worthiness.
Experian, one of the three major credit bureaus, bought RentBureau—which collects rental-payment data from large property managers—and expects to integrate that information into credit records before the end of the year.
Credit bureaus say they also would like to offer data on cellphone payments, but have run into concerns over privacy issues, which may require legislation to untangle.
BUSINESSES TARGET CELL PHONES, SOCIAL NETWORKING SITES
The WSJ report comes as new concerns emerge over the extent to which businesses are digging into the lives of their customers in order to assess risk or market products.
Raw Story reported this week on SocialMiner, a new software application from Cisco Systems that allows businesses to monitor social networking sites such as Facebook and Twitter. The software has raised concerns over the prospect of employers spying on the personal lives of their employees.
"With more and more Web-based conversations taking place over these social platforms, it's now more critical than ever that businesses are aware of what their customers are saying about them and are able to respond to general inquiries or rectify customer service issues so as to enhance and protect brand reputation," Cisco stated in a press release.
Meanwhile, a federal class action lawsuit alleges that numerous media companies, including Fox News and CNN, received detailed personal information on millions of cellphone users from an advertising company that circumvented security measures on their phones. Courthouse News reports:
Delaware-based Ringleader "stamped" a "Unique Device Identifier" into customers' cell phones, compatible with iPhone, iPad, iTouch and PDAs and other devices, the complaint states.
Once entered into their phones, the class claims, say the code sent their private information to a database that Ringleader shared with AccuWeather, CNN, ESPN, FOX News, Go2 Media, Merriam-Webster, Travel Channel, and WhitePages, all of them named as defendants.
"Essentially, defendants hacked the mobile phones of millions of consumers … by embedding a tracking code in each user's mobile device database to circumvent users' browser controls for managing web privacy and security," the complaint states.
The class claims the database collected information about "gender, age, race, number of children, education level, geographic location, and household income."
When they learned about the invasion of their privacy, some customers tried to delete the code, but it was programmed for "perpetual re-spawning, creating in effect: 'Zombie Databases,'" the complaint states.


Clark told the Conservative Party conference that adjusting business rates will be one way that the government can recognise the importance of high streets, the BBC reported.
A Treasury review of business rates is ongoing, but Clark noted that high streets should be recognised for the contribution they make to communities.
"Business rates will be one way of doing that," he said, but did not give any further indication of proposed changes.
Business rates have proved controversial for the burden they place on physical retailers, and there has been a great deal of campaigning for changes to the current system. Last month, the British Independent Retailers Association (Bira) launched a business rates manifesto in parliament, which called for changes to the government's approach to the tax to ease pressure on small retailers.


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Lysimachia nutans är en viveväxtart som beskrevs av Christian Gottfried Daniel Nees von Esenbeck och Jean Étienne Duby. Lysimachia nutans ingår i släktet lysingar, och familjen viveväxter. Inga underarter finns listade i Catalogue of Life.

Källor

Lysingar
nutans

redpajama_set_name: RedPajamaWikipedia


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Hell and the High Schools by T.T. Martin
T.T. Martin (Thomas Theodore) wrote Hell and the High Schools in 1923, a vehement attack on teaching the theory of evolution that portrayed evolutionist teachers as worse than war criminals. Martin was a vocal presence in Dayton during the Scopes trial, where he sold copies of this book. Martin became a prominent leader in the anti-evolution movement in North Carolina when he sharply criticized the President of Wake Forest College in a series of articles. Martin held important leadership positions in national anti-evolution organizations, including the Anti-Evolution League of America and the Bible Crusaders of America. He participated in the successful campaign to enact anti-evolution legislation in Mississippi. Title page from Martin's book, full-text available above.

redpajama_set_name: RedPajamaCommonCrawl


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Welcome to ACT Canada
For Questions call us at: +1(289) 834-0072 [email protected]
ACT Take the Tour in Communities that work Party of Canada Creating a strong Future for Every Canadian
Your donation gives ACT's One-Vote Turn-around Solution to every Canadian
Every year our Prime Minister signs a $1 billion cheque to the CBC, so our news can misreport $4 billion in losses daily. 63% of Canada's economy is lost yearly while 30% of our population is lost every 20-years to anti-family-values policy as well. Left versus Right both offer Wealth-reporting only with no Standard of Research. In Science, Productivity builds strong economies, not Wealth theory. ACT rebuilds a future for Canadians – from low Social Contracts, soaring Cost-of-Living, lost Living Wages, inaccessible Home Ownership, and the ticking timebomb of defunct Family Pensions
Proven Turn-around
ACT is an Epistocractic "Leadership by Experts" political Party, created in thesis by a leading expert and researcher in Global Leadership. By Charter, ACT Parties can only support scientifically-proven, highest-probability-of-success policies. Watch the 2011 movie MoneyBall to understand how a quantitative evidence-based science works
In the 1920s we believed in unempathetic neoliberalism – the unemployed were lazy and were ignored, family values were old-fashioned, small governments ensured financial governance was light, business was king and deserved laissez-faire, and open markets were encouraged in everything. It was the correction of these failed and unempathetic policies in the 1930s and 40s, that turned around the Great Depression, and also created the greatest economies and societies in history
After 30-years of boom, an academic mediocrity emerged which encouraged billion-dollar annual media campaigns to forget our lesson learned. We began voting for the shortsighted policies and collapse of the 1920s again
Sustainable policy advances economies 100%, while Unsustainable policy collapses 100%. Productivity builds strong economies, and Wealth-theory Policy collapses it; it's really that simple. Science confirms that Right or Left is meaningless, so when all parties offer only collapse policy – as they do today, even the act of voting becomes socially irresponsible
Proven Planning
Franklin Delano Roosevelt's policies turned around an identical mature capitalism 70-years ago, and FDR-Democracies today are much more successful than we are
FDR was obstructed ceaselessly as he fought to feed tens of millions of starving Americans during the Great Depression. His Second Bill of Rights was added to the Constitutions of Italy, Germany, and Japan after the war, and these countries that lost the war – won the peace. Today, all FDR Democracies have advancing economies, six weeks paid vacation, they have lower tax rates, more services, lower inequity, great healthcare, pensions, great free education – even in university in many cases. Their higher social contract scores enable them to lead the world in productivity per-capita
Canadian politicians don't report our problems – and yet that's the first step in solving a problem. "Everything is terrific, so vote for us" – is all we hear.
ACT is different; ACT explains problems and we explain how policy must change. We don't give hundreds of millions of dollars to foreign multinationals and we work through set-backs transparently. ACT really is the only socially-responsible vote available
Only ACT assures its policies have the track record of reliably turning-around collapse. Your vote and support can create this change reliably
We all vote for policy that makes us feel good. At ACT, we realize "Mankind is our Business" is proven Policy. Systemic failings of empathy is Evil – per Aristotle and the Nuremberg Diaries – and no evil society in history survived long either
Never let uneducated leadership build an unempathetic society unintentionally – by voting for ACT now
Canada should be the UAE of the North!
Poor leadership and absentee planning define Canada, while countries with less of everything boast higher productivity, better lives, affordable housing, and a much brighter future. The UAE has one-million citizens, a 43-degree sand-bar, and has one-quarter of Canada's entire economy – because it SEEDs
In science, Productivity builds strong economies (Social Contracts, Living Wages, Good Lives) while Wealth theory collapses 70% of 200 economies today (GDP, Supply/Demand, Profit, Micro and Macroeconomics). Soldiers risk their lives to ensure this productivity, but the reality today is that Canada's wealth-focused SCALE-UP, trickledown, and leadership failings collapsed this country before COVID, it just wasn't reported
COVID and Exhaustion are well-managed by COVID-FREE Islands' Normal Lives Strategy and ACT plans for the autonomous provision of all basic needs – to keep Canada self-sufficient at all times. Within COVID-Free zones, citizens can live, work, and play freely without masks or worry
Can you remember a time when Canada had Leadership and Planning?
In any large democracy, the majority do not feel the problems of millions of others, but we all still share the cost of those problems. Democracies have to be protected from problems ignored by Constitutions because $4 billion is lost daily to our economy by it – unreported!
We vote for political groups to hide a loss of $4 billion per day. Why does media tell you there is a right or a left – when there is only one "side"? Why do we give our one vote so carelessly?
Canada will continue to collapse as a mathematical certainty, its the policies that Right and Left groups support. But, with ACT, your vote can turn this around
Very nice, well-meaning, incompetent leads create collapse just as assuredly as does corruption from criminal intent. No benefit can come of Canada's descending to the economic levels seen in Greece, Spain, Britain, Venezuela, and even the U.S. is collapsing today. Read Dickens, Hugo, Orwell, Lord Byron, Hobbes, and Rousseau to understand the landscapes that mature capitalisms create. These are the lessons we should have been taught in school – so we never have to see them in real life, as our young-people are seeing today
Canada has a Leadership problem
Citizens of any democracy must always have the option to vote for sustainable policies, but no Canadian had this option before ACT
Right and Left is meaningless, Leadership and Policy determine advance or collapse 100%. Canada's major right and left parties supported unsustainable policies ENTIRELY and so we collapsed (see chart below)
ACT Canada's proven One-Vote Turnaround Solution runs proven sustainable policy – only. Decision Support for policies is provided transparently with a simple econometric science called Transition Economics (TE) – see WAOH. TE takes a scientific approach to everything, so even ambiguous terms are deprecated. When a policy is confirmed to create unsuccessful nations, ACT cannot support it – by its Charter
Sustainable Societies require the monitoring of stats that are Causal to advance. Meaningless reports like GDP, Stock Market performance, U-3 Unemployment, Disposable Income, Gender, Climate, Racism? are weapons of mass-distraction and this "snow-job" permits unsustainable policies like Low Tax (of the rich), Small Government, Laissez-Faire, Diversity (starvation wages and no family pensions), Globalization, and Open Markets to be elected. Unsustainable policies bring collapse reliably and turn Canadians into batteries as "The Matrix" movie explained it
Sustainable, Reliable, Prosperous Good Lives
Why are we dying, lied-to, with truths hidden?
Canada has the second-greatest body of resources in the world and our greatest resource is our people
With this abundance, why are Canadians suffering low opportunity, starvation wages, low personal freedoms, runaway costs of living, and $4 billion in daily Social Contract Losses? Would you vote for these collapses and our limping-along while losing 66% of our economy every year? No, of course not; these imbalances are hidden from us, suicide, infertility, $4 billion/day in Social Contract Loss, homelessness, debt, homeownership; and we aren't taught to insist on those reports either
Sustainable birthrates protect national language, culture, and population yet Canada's plummeting 1.5 fertility rates are suicidally unsustainable. 2.2 children-per-woman is break-even, and a growing population requires 3-children families. Anti-Family-Values and Laissez-faire business policy had stalled economic growth completely at .1% per year before COVID and Labour Participation shows 800,000 fewer jobs since 2009 despite irresponsibly adding six-million immigrants to hide the fact
Canada will collapse, provably until ACT policy turns it around
Canada has more Gold, Uranium, Oil, forests, and highly-talented workers and engineers than any nation on earth, ACT puts it to work
This is a critical time – Canadians must vote-away mediocre Leadership …
ACT Right Plan
VOTE ACT
Successful Policy and Expert Leadership builds a successful nation 100% – while unsustainable policy collapses a failing nation the same. Sit down to read the ACT website with a Timmies coffee, and prepare to make important changes. Why? Because voting for the status-quo while the greatest country on earth is torn apart by unsustainable Right and Left politics, is socially irresponsible. It works against your family, your community, nation, and you
Autonomous Self-Sufficiency is our "Moon Launch" today because automation has reached a point where we can reduce the cost of road maintenance, welfares, many constructions, to zero cost with the next 20-years. This takes a mountain of work, focus, and leadership – but our right and left governments plan for none of this self-sufficiency. Aristotle's "Right Plan" built this Transition Engineering as CSQ Research's Worthwhile Industries explains
ACT's One-Vote Solution includes a Bright Future
Canada's Issues
"The first step in solving any problem is recognizing that you have a problem" – Zig Ziglar
Canada, #38 on The SCP Report in 2019, loses $4 billion a day – $1.5 trillion a year – to our low opportunity, runaway starvation wages, and completely stalled economy – and that was before COVID arrived. Canada's resources should make us the UAE of the North, yet our Export-per-Capita is a fraction of other nations our size. Canadians want to be productive, successful, and to build and to lead an exemplary Good Life and Society, but the reality is that no-one can without sound leadership
Poor Leadership
Starvation Wages
Inequity
Steep Trade Deficits
FDR proved that it takes nine policies to turn-around mature capitalisms. His nine policies built the largest economy in history and it has kept FDR-economies Germany, Japan, Italy, Austria, Netherlands, and others – as the highest economies in the world still today
Does Canada run FDR's proven policies today?
Nationalism & Culture – No – Canada does not run sustainable policies today. Self-sufficiency and protection from foreign competition are essential. When a tree is taken in Sweden, four more are planted; so when an income is taken in Canada, at least one new income must replace it – and Canada has lost 800,000 jobs since 2008. Germany requires every new immigrant to ensure five full-time jobs, and no country on the planet permits the offshoring or onshoring of engineering as Canada does; other nations train their own grads and experts. Without infrastructure nor incomes in Canada; Immigration is an unsustainable policy. Respect and Good are essential in any civilization, where Diversity policies drive unsustainable fertility rates (1.6), offshoring, onshoring, sexism, ageism, and racism policies in hiring, lending, and public investment policies
Social Contract – No. Canadians are torn down today, ranking 36th in Social Contract in 2019. In any democracy, 51% have what they need, but Low Social Contracts now cost Canada an unreported $4 billion dollars a day in lost productivity. Worse, Canadians ARE denied food and shelter – in peacetime; as was the harsh reality of wartime Germany in the 1930s. It's a verifiable fact, it's hardly Canadian, and it is a secreted national humiliation
Full-Employment – No. Access to Incomes that exceed Cost of Living is essential. 90% of 50-year-old men cannot find living incomes in Canada, and 20-somethings are the poorest since the 1930s due to starvation wages
Empathy – No. These first three policies above turned around Germany's economy in the early 1930s, and then a systemic failure of empathy undid any good. Social Tribunals and insufficient supports fail empathy every day in Canada
Affordable Home Ownership – No. This policy set successful capitalisms in the west apart from less-successful capitalisms in eastern and Latin nations
Low Cost of Living – No. Run-away housing and energy costs lead our Productivity problem
Income and Wealth Distribution – No. Canada's income inequity has increased by 20% since 2010 and Wealth inequity is much higher due to housing bubbles. FDR ran a 20-year program of 92% income tax and 80% estate tax for the country's highest-income centers.
Debt Forgiveness – No. National debts of most countries in Europe were written down in the 1930s
Single Income Families – No. Canada is more respectful of women than 98% of nations in the world – as we should be. Yet Diversity and Female Equity hiring quotas here, now hide divisism, sexism, ageism, racism, and a suicidal 1.5 child per woman birthrate (2.2 is sustainable and 3.0 is a growing population). We tell the fairer half of our voters that starvation wages and cubicles are more important than family values, and it's killing the country. Iceland was the first nation to elect a female President, and then had to install laws to prevent offices filling 100% with women who hired themselves – to the detriment of both their population and culture
How does ACT Solve this problem?
ACT implements the highest-probability-of-success policy needed to build a larger economy and personal prosperity, freedom, and happiness at the same time. Does the economy come first, or does Social Contract come first? Strong Social Contracts build strong economies 100%; as a scientific fact, our people are our greatest resource
We responsibly implement sustainable policies in a safe, pragmatic Right Plan and SUSTAIN Project Method, proven epistemology that ensures people are not harmed by the needed change. Timelines, descriptions of Who does What, When, Where, and How; Monitoring, Reporting, and SOP (Standard Operating Procedure) documented explanations for how corrections will be handled should changes no achieve their targets
Credible Reporting
Canada loses $4 billion a day today – unreported, and this was before COVID-19 hit the scene
An understanding of the policies and statistics that build a strong economy, is essential for every voter. We can't make informed decisions, nor even tell reality from fiction, without this context
Our schools have taken the lessons of Sustainable Societies, out of our classrooms and left expensive TV and Social Network advertising to "teach" us how to vote. Low Tax (aka no tax for the rich), Scale-Up (trickle-down), Open Markets, Small Governments, Laissez Faire Business, unemployed were lazy, family values mattered little … These are the unsustainable policies of the 1920s
With no basic training in Sustainable Societies, we learn ridiculous unscientific proven-failed "economics" from the reporting presented by short-sighted wealthy businesses
Is Stock Market performance important? N0. 85% of stocks are owned by the Top-10% rich – and economies are uninfluenced by markets for the most part entirely
Is a GDP increase Important? No. A GDP Report is meaningless by itself, it hides problems, and its always positive – which is why politicians use it
Is Climate important – Yes, but – it has never created a World War. Social Contract has many times and strong social contract nations address environment and all social issues – much more easily
Black Lives Matter – We're not racists, we're collapsing. Causality teaches us to solve inequity to make this symptom a non-issue entirely
Is a Salary increase of 3% important? It's an embarrassment. Salaries have stalled since 1975 and a 100% increase would be a correction only
Read Scientific Methods in ACT Policies to understand how ACT ensures that voters understand national performance report and Context
Economic Data must consider Salaries minus Cost of Living. Education, Social Contract, Income and Wealth Distribution, GDP-PPP and Export per-Capita, and positive Trade Balances are causal to an Advancing Economy. The SCP Report shows that citizens with the freedom to be productive – are. It also reports that the U.S. loses $37 billion dollars a day to their low social contract and many unsustainable policies. Canada loses $4.2 billion or $1.5 trillion annually – just the same
Responsible Reporting identifies problems clearly so that they can be corrected and economies improved. Ignoring problem reports means that nothing is ever fixed as it needs.
SCP Reports and the World at our Hands Report Proofs too. We rely on
Newspaper articles voice our problems – every day. Suicides, Birthrates, Divorce, Homelessness, U-6 Unemployment (not the U-3 nonsense we see today), and Social Contract Losses are in plain view so that we can all get some traction from the $4.2 billion we lose everyday
Every Constitution to receive FDR's Second Bill of Rights in the Marshall Plan is advancing 70-years later – no exceptions. So, we compare Canada to Successful track-records
We abide by empirical statistics that prove transparently that every policy is Sustainable
Monetary Freedom
In a monetary system, freedom is the gap between Salaries and Cost-of-Living (CoL). When Salaries fall to Cost of Living, Freedom is lost; and when Salaries fall below CoL, Social Contracts are lost and economic productivity falters
Cost of Living Up
Cost of Living Imbalances
Salaries Down
Freedom is Salaries minus Cost of Living
Social Contract – is Causal to Advancing Economies
By reducing Cost of Living and Increasing Salaries – for those that have no freedom (the biggest ROI). It takes viable companies and productive citizens to transition to a viable, balanced, and thriving economy – so that all can flourish in the bigger pie of a strong economy. Cellular and Internet are $200 per month expenses, rents and mortgages are 75% after-tax incomes, these stats are unsustainable
Opportunity and greenfield investment capital. "Greenfield" builds 10-times the jobs dollar for dollar – and jobs are forever; "Scaleup" is all that Canada offers today – it makes wealthy companies richer and adds few new jobs and no salary increase
Free education for Canadian families unable to pay for training – so no student debt and access to homes too. We need young educated Canadians starting families sooner.
Credentialing review through TASK. Canadian credentialing rewards systems that create dystopia – and untrained voters. We need engineers and builders in our boardrooms now. Monetary Systems transition to Communal systems of commerce with automation, so we need more big-pictured thinkers and builders than monetary system "experts"
COVID-Free Islands
Virus-Free Islands are an isolation strategy as old as the earth itself. By failing to protect our communities by monitoring external travel into and out of COVID-Free Islands, our Leaders have denied Canadians their liberty and have created the problem of Isolation Exhaustion entirely
An "island" is a province, region, city, town, or community – that is COVID free. The Island expands or contracts as a virus is eliminated or discovered, but within an island everyone goes to school, goes to dances, church, and coffee shops – without masks and without fear. Outsiders should be discouraged/planned-around from entering an island and when they must enter, masks are mandatory of course, as is a tracked log and monitoring of these trips so that any contamination can be identified quickly and contained
Human connection, dancing, dating, meeting, and community are essentials that Canadian governments are promising to halt or encumber for another two-years by their present planning
Why is everyone permitted to travel anywhere unlogged during an epidemic? This is hardly smart nor responsible leadership
As for the COVID Vaccine discussion, desperate Hail Mary passes in professional football look great, but they complete just 10% in stats. Like teen dating, it's always wiser to learn from the mistakes made by others first; and it's always wise to wade into potentially hazardous water before diving. Questions like: How do pregnant women and their babies endure vaccination? How do the elderly or pre-existing-condition individuals fair with the vaccine? Is mental development unimpaired? And similar …
New Vaccines just take some time to validate safe. I would also want to understand: Why didn't vaccine creation begin after our first SARS COVID outbreak in 2003?
When salaries do not meet Cost of Living, they are called Starvation Wages. When a second income is required, double-income traps begin. In this chart we see that starvation wages started back in the 1970s. ACT corrects salaries with Full-Employment Policy, Single Income Policies, and we work on cost-of-living corrections – something which is ignored in Canada today.
Household Incomes Fall since the 1990s
Full-Employment Policies – we reverse the 15% to 20% employment culls of the past 5-years at major Canadian Corporations and Financials
Reverse Onshoring and Offshoring – Canada is the only country in the world foolish enough not to stop the offshoring of its engineering – driving down wages and discouraging our best-and-brightest from building our future – and their future here in technology – at the same time. ACT Reshores engineering.
Cost-of-living reduction – across Canada, the balance between salary and cost-of-living is lost. Like Reshored Engineering rules, Rent Caps and Mortgage protections are essential controls used by some of the highest-economy nations on the planet. The cost of homeownership must be available for one-to-two years of salary standardly and it must be a very difficult business to own many rental homes.
Salary, benefit, vacation time, must increase – Salaries must be reliable and pay for all costs of living, training, and all special education. Low salaries are artificial because they simply download costs to society.
Solving Inequity = Productivity
Inequity has risen 20% since 2010 in Canada. That's a big lift in inequity and its an important problem for us to address.
We're not racists – as Trudeau suggests, we're collapsing due to inequity and due to unsustainable policy
Income Inequity
Rich people are not a problem, but too many poor and starvation wage people is
The top 1%, have incomes of $1 million per month – in Canada, and $1 million per week in the United States. Poor people in Canada can include anyone whose incomes do not meet their cost of living (CoL). By Province, and by Region, CoL changes so there isn't one monthly CoL dollar-amount. In Hamilton Ontario, a starvation wage is likely any below $2,800 while in Toronto that number climbs to $4,200 per month
Wealth Inequity
By the careful transition away from tax shelters and low-tax for major corporations and top-1% incomes. We need viable companies as we transition to a viable balanced economy – so that all can flourish in the bigger pie of a strong economy
Free education for Canadian families unable to pay for training – so no student debt
End of War
Low Social Contracts build riots, revolutions, and great wars reliably – again and again in history. There are more conflicts worldwide today than at any time in history, and this was true for World War I & II as well.
The imbalances of Mature Capitalisms build populism, currency wars, trade wars, social problems, and then real wars – by 2028 if the commencements of our past two wars repeat. A mature nuclear era is no time to be building a powderkeg so that the first spark can ignite an extinction-event
Mature Capitalism & War
Strong Social Contracts solve the cost-of-living/salary imbalances that correct mature capitalisms and prevent World Wars. When all countries are doing well, there can be little interest in a global nuclear winter by World War III
Climate and Enviroment are essential
ACT leaders are smart engineering thesis-builders that manage Environment and Climate in two ways:
Industry Operations in the normal processes of managing mining, metal foundries, manufacturing, fuel, in waste management, and in every business that produces something
By Special Project – life's messy; so we clean it up. We might have to beam heat into space, scrub the air, clean plastics from the ocean, create ozone, implement low-emission solutions to major centers. These we handle on a project basis
Regrettably, the global environmental lobby is an industry that counts fear-mongering among their toolkit for reaching their climate and funding goals. When climate groups say that a percentage of our global population could be lost by 2035 if we do nothing, why would we do nothing?
Climate has never created a World War – but Social Contract certainly has many times. School kids should be staying home to insist that no Social Contract globally, can contribute to a powderkeg that has sparked by 2028 in the past.
A globally strong Social Contract is World Peace but we haven't been taught this, unfortunately. Instead, we have taught kids to chase marketing campaign-promoted issues almost exclusively.
Focusing solely on a remediable problem like environment, while ignoring our building dystopic conditions proven to lead to populism and world wars – in a mature nuclear era, is what the Brits call "Madness". Accordingly, ACT sequences programs in Climate and Environment alongside the really important problems in our country.
National Self-sufficiency
Self-sufficiency leaves a country free from the external influences of monetary difficulties in other nations.
Canada's trade balance is negative, in deficit, and increasingly, alarmingly so, every year since 2008. We're collapsing every day and we are imbalancing as well – which is why our young people can no-longer sustain lives comfortably as their parents and grandparents could.
Self-sufficiency and then we add-value and wealth through export. Trade Surplus was never a concern for the U.S. when it supported nations throughout Europe and the World. To get to this point it had to be self-sufficient with a strong, diverse manufacturing infrastructure at home. China adopted the same model 30-years ago similarly, and both nations have created the largest economies in history
ACT's thesis builds self-sufficiency in greenfield investment in Public Utilities like Worthwhile Industries. This plan is designed to build Sustainable Societies as it scales and roles out to World Peace eventually – so it has our strategic needs always in plan
ACT is important – for Canadians and for Canada
Canada's reputation as a World Leader has been squandered this past 20-years more. We no longer lead, and now we lag: in technology, manufacturing, foreign affairs, economy, self-sufficiency – and as our economic stalls and collapses become extreme and well understood, Canada will lose ground even more quickly.
We aren't Venezuela, Greece, Mexico, nor Spain just yet, but as interest rates increase and our housing bubble bursts, we are headed in that direction. It's a ridiculous and preventable situation for any great country, especially one with the raw resources and skills to be the "UAE of the North" and much much more. As other great nations build high-speed infrastructures and automation to support great lives, Canada bankrupts itself trying to maintains status quo and provide for basic needs in a falling standard of living
Poor Leadership makes Canada, and its citizens, vulnerable to special interests who would abuse our good natures and obvious civic ignorance. We will be invited to the table less-and-less and at a greater price because of it. Our dependency on other nations undermines the integrity of our once much greater selves
ACT's thesis turns our reputation around. Picture a Canada re-engineered by a Right Plan for production, good lives, and economic success project-by-project. That's how a sustainable society is built and Canada can then help 200-other nations succeed the same
ACT is an important discussion and vote. There won't be a multi-billion dollar advertising campaign along to convince you of this, but read more to see that we're where your vote absolutely "does the most good" for Canada
We aren't giving kids a Good Life nor a Future
Canadians and their kids are counted amoung the most famously civil and polite people in the World. But what happens to someone when they grow up in a competitive, low opportunity setting, is that a very different mindset takes hold.
High School students looking forward to crazy education debt loads – with only the promise of living in their parent's basement for a lifetime – have an unfamiliar mindset to traditional Canadians.
They don't care. They might be polite face-to-face, but they're stressed and disenfranchised from adult counterparts who have set rules that plainly don't work for them.
Worse, we've weaned our young adults on policies that don't work or are socially irresponsible. Climate – is an engineering and operations project, it's not a crisis. Female Equality raises young women to expect no family nor children nor home of their own – until well into their thirties.
Diversity, says that their starvation wages are normal and are to be expected; that onshoring and offshoring are not socially irresponsible policies despite the fact that no other nation in the world permits this.
ACT makes our culture, our sustainability, our families, our next generation, and our future – a priority for a change
Investment – not Spending
Smart Planning and Investment is essential for any country. Capital is an assets that increases in value on its own. Ten-cows became twenty-cows in time – so cows can be considered a smart capital investment – for a fun example. Canada's track record isn't one of smart investment, it's one of spending only. PetroCan, Candu ar gone; while Germany owns 35% of Volkswagon – the largest car manufacturer in the world.
Our innovation funds and infrastructure funds and municipal projects – are all spending today – and not investment as they should be. All major programs in Canada are one-time spends – which means that the billions in infrastructure today, will need to be spent again in five to ten years.
"Scale-up" is spending – its another name given to trickle-down or low-tax policy. It is a proven-failed policy and it's the only investment Canada makes. Canada is an anomaly among G20 countries because we haven't had a multi-billion dollar hi-tech startup in 15+ years, despite throwing hundreds of millions of dollars at innovation accelerators that underfund high-risk tool companies here only.
Thank heavens these companies fail at such a high rate because most are Fintechs and other socially irresponsible initiatives. Canada hasn't invested a dime on solutions for social innovation
Canada's investment failings are systemic. The problems begin in our finance industry and investment committees, and then we take those failed approaches into Government. When a government makes no capital investment and prefers spending only; that's a big problem.
How does ACT correct this problem?
Even welfare spending is well thought-through with ACT's approach. ACT doesn't give everyone $100k salaries, instead we build national assembly lines, with hundreds of Canadian robotics Intellectual Properties and hitech jobs, that attract international investment to employ thousands of Canadians to provide for all of our Social Contract needs locally in "20-minute-commute" Towns and Cities. See Worthwhile Projects
ACT invests in greenfield evergreen public infrastructure – to build a strong social contract with 20% Canadian ownership and influence – and then these automations can lead the world in low-risk Canadian technology and companies, opportunity, jobs, and national self-sufficiency. Its a new Candu, Avaro Aircraft, and Canadarm as well
ACT Canada Policies
See ACT's Thesis, the World in our Hands Report, and the Transition Economics website for statistics, citation sources, and full explanations for any of ACT Canada's policies
Jobs & Incomes
Nationalism & Culture
Unsustainable Business Policy
Reduced Cost of Living
Single Income Families
High Social Contract nations build strong Economies 100%
Scientifically, Societies are inseparable from Economy, and Productivity, not Wealth (GDP, Profit, etc), determines advancing or collapsing economies. For 40-years, Economics Faculties have collapsed 70% of 207 nations – before COVID – by trying and failing to prove NeoLiberalist Micro and Macroeconomic theory correct
FDR's Second Bill of Rights (1944) created the greatest Social Contract and Economy in history and we called it the American Dream
70-years after the Marshall Plan added FDR's Rights into the Constitutions of Germany, Italy, and Japan, these countries remain the only G7s with advancing economies today
Social Contracts (SC) are high in nations that support their citizens with basic needs of food, housing, healthcare, education, and living wage incomes. We can see in the chart above that high-SC nations have a much higher chance of an advancing economy in this survey of 157 countries, and we can see that low-SC nations have low economies too. This makes Social Contract, one of the most important, causal building blocks of economies both advancing and collapse-trending. Social Contract (SC) and Social Contract Product (SCP) Reporting measure a country's productivity
Transition Economics measures SC by national reductions in Poverty, Suicide, Inequity and also by the increases seen in Education and Longevity, which are common in every society that has strong Social Contracts
Most Social Contracts are built using a mix of 80% private and 20% public ownership, and their costs can be reduced substantially through Public Utilities; so the quicker we can automate these assembly lines to reduce or eliminate costs – the better. Clearly, Social Contract is not Socialism "ownership by the state"; see a disambiguation of the very misused and even weaponized term Socialism here
Most "ism" are deprecated as meaningless in Transition Economics, due to their failure to adhere to Socratic Method's best-practice of disambiguating muddled, unprovable terms. Theoretical economics are deprecated – Micro and Macroeconomics, because theory proven "failed in observation" must be considered fiction by Scientific Method's standards. You can find ACT's Library of Proven Policies on the World at our Hands Report page
Together, ACT policies are going to pragmatically take back the $4 billion CAD that we lose every day, that no other party reports
RESET & Balance
Mature Capitalisms are a normally-occurring imbalance between incomes and cost-of-living. Mature Capitalisms are expensive, dangerous, and they are absolutely preventable and correctable via responsible leadership. We were never taught about these in school, and Micro and Macroeconomic theory ignores them and also hides them, but Mature Capitalism have repeated reliably every 60-years or so in history since monetary systems and capitalism were first recorded
In 1934, an Economic Reset wrote-down large percentages of the National Debt to most nations in Europe, and then FDR created the greatest economy in history by also bringing a RESET of inequity so that people could buy houses and lead good lives
Every major nation in Europe had debt written down in the 1930s to 1950s
Income GINIs of .32 enabled the greatest boom in history
Housing in Canada has reached a breaking point. Canada has very cold winters and our people need reliable shelter young people, old people, any people – are feeling the stress of run-away rent and mortgage poverty
We aren't the only nations in this jam – Spain, Australia, parts of the U.S., Britain, France, are feeling the sting of low-interest-rate commercial investment, Foreign Investment, home flippers, and even money-laundering that combines to send the prices private homes to ten-fold their 25-year-ago costs. Trillions of private equity dollars were permitted by Canadian governments to compete against our young adults who wanted only to start families and lives.
In 1982 the price of a home in Hamilton, Ontario was $30k and salaries were $30k to $40k; in 1985 the same home was $90k; and today it's $600k for the exact same run-down three-bedroom starter home. Salaries have changed little in this time. Vancouver and Toronto are in worse shape than this; rent and mortgage poverty is rife, as is usury; 75% of our take-home incomes go to housing when that number should be a comfortable 30%.
How does ACT Canada fix this?
Housing must be affordable – for everyone. We live in a very cold country with February months dipping into -30c temperatures in most areas
1st – Walk away mortgages – just like FDR's. How else to deal with a million families forced to sign on to government-endorsed usury lending?
2nd – FDI and commercial avenues to private real-estate need barricades. "Small Government" policy destroyed the best standard of living in the world in Canada – and now our low 62% home ownership rate needs smart policy correction
Housing is Unaffordable
Living Wage Incomes
Full-employment Policies ensure access to income. In a monetary society, money is like air – so we all need access to income. When major banks here cut 15% of their 100,000 worker staffs over the last five years -and then denied male workers access to continue their pensions elsewhere, only social cost came to Canada. Lost pension spending, unsustainable birthrates, a jump in suicide rates, spikes in slumlording and house-flipping – all became costs born by our society
When incomes do not meet cost-of-living (cost-of-living is housing, food, pensions, vacation, healthcare, phones, internet, etc.), freedom is lost and so is our social contract. When incomes fall below cost-of-living, we experience starvation wages and our economy grinds to a stall due to the low productivity of our now-hobbled citizens
Canadian policies that work against finding incomes include on-shoring (Diversity hiring quotas) and off-shoring (Globalization). Importing workers is frowned on by every nation in the world, and immigrating engineers is illegal in the Netherlands and most high social contract nations, and yet this is status quo in Canada where our most-foolish politicians brag about our onshoring programs – oblivious to the impact that this has on our economy
The Canadian Government's LMIAs and Global Talent Stream programs are examples where large Canadian employers can easily prefer on-shored engineers, to paying for local Canadian workers
Reshoring and nationalism are corrective policies. For a library of sustainable policy – refer to the World at our Hands report at SustainSocieties.com
Truth and Transparency
ACT only runs policies proven to create strong social contracts and economies. A library of these Proofs resides at The World at our Hands report page here
Where a change is needed we follow a structured Project Lifecycle process (Sustain Project Management). We assign a Project Manager lead, he documents gathered requirements, a design a solution by experts and agreed to by all stakeholders, and then change is made carefully so that no-one's basic needs are overlooked.
If everything was perfect today, there would never be a need for a change; when change is needed, we make changes within project managed best-practices. Changes are monitored and reviewed – with updates every five years unless monitoring proves sooner is needed. Today in Canada, laws are cast, never monitored, and never revisited to confirm they accomplished their goals.
ACT builds sustainable capitalisms; we need Education, Opportunity, Social Contract, Income and Wealth Distribution, GDP-PPP and Export per-Capita, and positive Trade Balances are causal to an Advancing Economy.
By investing in highest-probability-of-success policy and best-practice execution, ACT – like FDR – takes the guess-work out of leadership and building good lives reliably for Canadians.
Canadian Culture is our strength and what made Canada the greatest country in the world. Our unique blend of English, French and First Nations people present a decent, fair, and even fierce and reliable nation when call on
Nationalistic policies drastically reduce both on-shoring and off-shoring business practices. Immigration is an unsustainable policy in unbalanced mature capitalism economies, when emphasis now needs to be on local opportunity, self-sufficiency, incomes and social contracts, exports, and strategic investment. Its critical to get this right.
Tax Havens, Foreign-Owned companies, and Foreign Direct Investment (FDI) are unsustainable policies that other countries monitor and deny – just as Canada should have twenty years ago
1. Sustainable Business
Not all Business is good Business. This is because businesses that drive-smaller the economic "pie" for everyone, are better not to exist at all.
2. Sustainable Capitalism
We want sustainable capitalism, and we don't want unsustainable capitalism
Productivity, not Wealth, builds strong economies reliably – and Leadership that builds productivity reliably also respects our soldiers who sacrificed everything for our freedom and for Good Lives
Rewarding Canadian and Foreign-Owned businesses for externalizing social costs is a laissez-faire policy that must be reversed in mature capitalisms – for the benefit of both business and Canada
In a monetary system, business is not designed to be sustainable, that is the role of government. It is also the responsibility of government to re-establish balance once capitalistic forces begin to stall the economy and build dystopic conditions. Building up a strong, robust "Bigger Pie" economy, benefits both businesses and Canadians – where austerity programs in a stalled economy simply accelerates the already shrinking economy.
Business is designed to be opportunistic and competitive. Although stock market performance has no impact on economy, many businesses drive to unsustainable social downloading for the benefit of stock values that are 84% owned by the top-1% rich,
The rich never feel the impacts of a shrinking economy, its the poor and middle-classes that do – and these are the people who are made unproductive by them. Populisms are peaceful revolution votes that reject the government's inability to manage social contract – and social instability risks both international investment and reputation.
Systemic Empathy is "Good"
Sustainable policies turned-around Germany's economy in the mature capitalism of the 1930s as they did in America. That is, until the NAZI Party's systematic failings of empathy undid any good that these policies built
Debt forgiveness, Cost of Living corrections, mortgage walk-away laws, SDG infrastructure, and most of the sustainable suggestions made in bibles too (see Leviticus 25:26), work to support a sustainably prosperous society and world-leading economy
Unemployment reached 70% in some parts of the U.S. in the 1930s, FDR 's empathetic Social Contract offered the balance needed to build a sustainably strong economy
The Marshall Plan added FDR's Rights to the Constitutions of European countries where millions were starving and dying from disease after the war. What was the long term impact of these changes?
Italy, Japan, and Germany are the only G7 nations with advancing economies today, they have six to eight weeks of paid vacation, full healthcare, daycare, free education (in many cases), lower taxes, and good lives – because of an empathetic Social Contract.
They lost the war, but won the peace – and its time Canada realized this now
Incomes : Cost-of-Living
Reducing national cost-of-living, relative to salaries, is critical to re-establishing balance and productivity. This work takes a series of projects addressing the reasons for rising costs in every industry
Investment in Infrastructure, automation, self-sufficiency, and even profit-sharing with 20% ownership models play a part. Germany owns 35% of Volkswagon and workers are also board members that approve all appointments of Executives based on track-records for sustainability and performance
Productive Distribution
Income and Wealth Distributions have run away in Canada, up 20% since 2010. Energy poverty, housing poverty, communications costs, double income traps, and a long list of CoL increases mean that tax rates have to change for the parts of our economy that have benefitted directly from everyone else's worries.
FDR administered a 20-year program of 92% income tax and 80% estate tax for the rich – and we'll revisit some of these policies.
Conservatives ever argue that the rich will leave the country and take their investments with them – should their taxes increase. ACT works through this balancing act by preferring support for Canadian opportunity, ownership, intellectual property, jobs, and success stories.
Income Distribution in High SC Nations
Multi-National Debt Forgiveness
Forgiving debt gave citizens a chance to walk away from unresolvable debt and insolvent mortgages in the 1930s- and it gave them a chance to be productive again. Canada, Spain, and Australia don't permit this policy even though 400-people per week are made homeless in Spain since 2013 – and 5% of these people commit suicide. Where corporations leave their financial obligations easily whenever there is merit, individuals are asked disproportionately to carry society's debt.
During the 1930s, near every European nation wrote down 20% to 250% of their GDP in National Debt. Croatia wrote down the countries credit card debt last year and Greece is forgiven 180% of it GDP these last two years as well. It's a normal and responsible policy in mature capitalisms – that we were never taught as Canadians.
We are a world full of decietful democratic politicians it seems. Their promises of Low-Tax delivered most of our national debts to a point well beyond any hope of repayment
It takes 3 children-per-woman birthrates to grow any population, and it takes 30+-year pensions to ensure families can support themselves and the economy in retirement. Single Income Families was the foundation for the American Dream and of the greatest economy and society in history. Remember that there are 220 other sovereign nations, so the greatest in history is no small undertaking
When Henry Ford invented the Living wage, he invented great economies. Ford proved beyond a shadow of doubt that single income family salaries must be higher than cost-of-living, and must afford all needs of a husband's family and his wife's family as well. Men who weren't married and not "Heads of Households", could not ascend to senior salary positions neither in business nor in government for this reason
Henry Ford's High Industrial Wages created Prosperous Economies
Double Income Families are Traps because it created starvation wages, squandered pensions, and it allowed household incomes to fall below Cost of Living reliably, to Starvation or Slave Wages – a level that denies basic freedoms within any monetary society
Unbalanced Household Incomes
Double Income Families create unsustainable birthrates; Canada's was at 1.5 children per women today in 2016 – where 2.2 is sustainable and 3.0 is growing. Single Income Families – create birthrates of 3.0 children per woman
When Anti-family-values policy garner votes with women, we see an unscrupulous politician eagerly rallying behind a discussion that has brings 30-serious social problems along with it
Exports are Productivity
Export is what makes a self-sufficient country wealthy. Today every government program in Canada that focuses on Export, spends tax dollars on a Scale-Up basis only. Scale-Up is Trickledown Low-tax unsustainable policy proven to rack up debt, pad tax-havens, and benefit our economy not at all
ACT trains Canadians to generate wealth through Export and then we invest, not spend, taxpayer dollars that are then returned 100% after five=years. This is the power of SEED and Greenfield that can scale to match the great opportunity of Canada's abundant resources. ACT builds ten-times the socially responsible Canadian-Owned companies, jobs, and executive C-Level roles for Canadian households too
Exports per Capita – Causal
The clear collapse we see today in Canada is the same in all large democracies; the Collapse is due to our Constitutions.
Mature Capitalisms are avoidable – prevented by FDR's Second Bill of Rights in Japan, Italy, Germany, Netherlands, and the greatest per-capita economies in the world today
The Social Contract additions made to the Constitutions of Italy, Germany, and Japan, must be added to the Canadian Constitution. These changes were prevented by McCarthy-Era ignorance in the 1950s, but
As General Marshall put it "an orderly and prosperous Europe requires the economic contributions of a stable and productive Germany." Productivity builds great nations, and the Wealth-theory that GDP, profit, supply-demand, trickledown scaleup, Micro and Macro teaches, collapses societies 100%
Canada is of little use to our neighbours and export customers if we are neither stable nor productive
Italy, Germany, and Japan today – lost the war but won the peace. As mentioned here above, these are the only G7s with Advancing Economies, they have six weeks of paid vacation, great healthcare, great schools, free university (for many), sustainable policies, strong social contracts, pensions, in-home nursing, and much lower taxes than the U.S.' private insurance scheme
Compare Canada's 2019 Federal Election Parties
Not a single political party offered provably sustainable policies in Canada's last federal election – and the same was true in Provincial elections too. Sustainable Societies (citation: The Sustainable Societies Programme & WAOH Econometric Library) need policies that are sustainable across all government services. Immigration – is an unsustainable policy, and Housing is an essential Right of Life in our cold winters so Housing and Infrastructure administrators must be able to VETO Immigration when no infrastructure can permit it – because that makes Common Sense
A simple causality discussion proves inequity creates hyper-competition – for jobs, for homes, for health services; populations accept newcomers at a rate they can comfortably accept. Canadians are not racists, we're good people, but we're collapsing and our families have needs first
Author and Researcher Edward Tilley is President of the Canadian ACT Party. He's a Mayflower heritage 400-year Canadian patriarch and Community Leader who curates one of the very few Global Leadership curriculums in North America and Europe: The Sustainable Societies Programme
"Join me in aligning Canada with FDR's proven guide to building the greatest economies in history, and in issuing in a new era of turnaround and prosperity to Canada. Let's make this era the "Greatest Generation" again, with policies proven to build the Canada of my childhood – which really was the greatest country on earth"
– Edward Michael Tilley
Your Donation to ACT gives every Canadian a credible vote – and the highest probability of a prosperous future. Tell two friends about ACT today!
ACT's Scientific Approach
ACT builds an economy like any successful casino does, where every policy has a higher percentage-probability and track-record of success
The 2011 Brad Pitt movie MoneyBall explained a scientific approach very well. Nations that choose policies with a higher chance of success, succeed reliably
Transition Economics' Socio-Economic Library "World at our Hands (WAOH)" sequences every policy (20,000 reports in all) so we can easily identify those policies that offer a higher probability of a prosperous and advancing economy and society
Voter participation in Canada is among the lowest in the world at 50%, while Belgium's is 88% to 95%. Why is this true? Could it have to do with Right and Left parties both failing Canada equally for the past 20-years? Both parties support unsustainable policies here, so a legitimate argument is that it's socially irresponsible to vote in Canada at present
ACT's sustainable policies ensure that every citizen has a responsible vote that leads to a great life in the greatest country in the world
ACT's approach is KISS – we "Keep It Simple"; we don't weaponize meaningless terms and we do report problems and proven solutions that are essential to our success. We're Canadians of character with traditional values and we want our Canada back just as you do.
Unlike other political parties, we don't campaign for votes with Anti-Family-Values and unlike other groups, we're never sexist, ageist, divisive, racist, lying nor opportunist. We're proud Canadians, just like you are
ACT Canada – Our Mission and Vision
ACT Canada builds sustainable nations – reliably. Here's how we promise it …
A Strong Social Contract
Canadians don't want our kids – to look forward to living in their parent's basement for a lifetime. We won't have our neighbours starving and freezing to death in back alleys. We want what other strong Social Contract nations have today; we want home ownership, six weeks of paid vacation, a respectful workplace with interesting, challenging, and socially responsible and worthwhile work, a pension and great healthcare system, with friends and family close.
Proven Economic Turn-around
The most successful economies in the world balance capitalistic profit with strong productivity-enabling Social Contracts. Self-reliant countries are impervious to international monetary concerns – and can focus on improving lives from an advancing economy. Local automation of our basic needs is no threat to any country with a strong social contract, and automation is essential to our national self-sufficiency and freedoms as well. At ACT, we don't spend, we invest – in infrastructure that can grow and support our good lives
Affordable Home Ownership
Capital doesn't mean money; it means an investment that grows in value. A herd of cows is capital because 10-cows make 30-cows in a few years. Affordable homeownership was a cornerstone of FDR's successful capitalism. It forced savings, equity, affordable retirements, and even provided "title" that could be borrowed against new businesses – increasing the productivity of a nation and economy
Strong Trade and Foreign Policy
Above we discussed that the SCP Report shows that Canada's low Social Contract losses $4 billion dollars a day, or $1.1 trillion dollars a year, in trade revenues.
Trade builds wealth; Sweden is 1/22nd Canada's size, with half our production in lumber exports. Canada has Uranium, Resources, Energy, Food, Gold, Ice Wine, BioTech, on and on. We don't sell our productions profitably today – but ACT will insist economic essential productions find SEED investment. Investment 101 – NO SEED; NO HARVEST! This is why a 1-million population sand-bar called the United Emirates rivals the best economies in the world? LEADERSHIP, and of course generous SEED and opportunity for all of its citizens.
Canadian Culture and Family Values
Single Income Families create birthrates greater than 2.2 children per women. Today our birthrate in double-income family policy is 1.5 – unsustainable. We take on debt to afford educations which don't promise salaries sufficient to start our own families and homes. What's wrong with that picture? Everything. Family Values is ensuring our kids have choices, and we hope that a lifetime inside a cubicle isn't one of them.
Canada is a vast place available for sports, summer cottages, and opportunity for personal achievement – but only when Canadians are vote for policy that permits and protects one of the greatest cultures in the world
Education is causal to an advancing economy. We want a world-class education that we can afford, and Canadians want our own families too – at a young age so that we don't have to choose between family or school or career. When our families arrive we want access to secure family-friendly neighbours, neighbourhoods, and schools.
We want to have what our grandparents had – and the ability to help the world with what we've learned and developed here – because clearly, we "got our act straight" here at home first.
Like an Index Fund, ACT Canada gives every voter the assurance of voting only for policies scientifically proven to create prosperous economies and good lives
Are you interested to start your own local ACT Party Chapter?
Proven Policies
Right Plans
Managing Mature Capitalisms
The policies that you vote for in Federal, Provincial, and Municipal elections, determine whether your economy will be weak or strong entirely. Policies in Housing, Foreign Policy, Social Contract, Education, Pensions, Social Security, on and on, determine whether your economic will advance or if it will trend toward collapse.
In democracies, voters must be able to rely upon their training in both civics - and in context too - in order to understand is the information that we are seeing important or not.
When we don't know what to stand for, we can fall for anything. Political opportunists can rely upon our confusion to topple economies and social contracts when we don't know enough to vote for sustainable policies only.
To determine if a policy is important and sustainable, we need to understand three things:
Credible Measures - We must be certain that the measures we are asked to understand are credible. Is there transparent proof supporting that a policy works elsewhere as advertised? TE's World at our Hands Report is a repository of validated international surveys on policies common to hundreds of countries. For example:
Is "Conservative" or "Liberal" important? No - "Sustainable" or "Unsustainable" is important - and these old terms are deprecated, recognized to be misleading and irrelevant, and are removed now in new EconoMetric sciences like Transition Economics. Let's look at a few more examples:
Is Debt important? Not as much as Social Contract; you want to ensure that your economic "pie" is growing before working to reduce debt - and debt was forgiven in every European nation during our last mature capitalism. Is Immigration important? Yes, it needs to stop in mature capitalisms. Is Export and Trade Balance important? Yes - very. Is nationalism and culture important? Yes. Is Diversity important? In research, diversity is socially irresponsible onshoring, offshoring, and double income traps. Is education important? Yes. Is Mr. Trump's wall important? On rare occasions only - and, it is important to help neighbors to become self-sufficient and prosperous too. What about those other news discussions of Russian collusion and emails? This is "Drama" that sells newpapers and TV advertising - and does not yield any economic benefit. Guns, Middle Income, Socialism, Female Equality (Double Income Traps)? - amount to serpentine "political opportunism" aimed at cajoling the vote of large demographics. Don't fall for it by giving your vote to politicians who don't represent sustainable policy.
Recent Data -
Wealth Inequity - Causal
Access to Income - Causal
Data used to support discussion must be current and accurate. It's not unusual to see 2010 data explaining wealth and income inequity values on Canada's government websites. Income Inequality has dropped dramatically in Canada since 2010 - from .32 to .38. That's a very large drop and a worrisome imbalance as you can see in these TEP Charts to the right.
Comparisons to successful nations only - We should be able to easily compare this information to successful economies. A comparison to a collapse-trending economy, or to nations with riots in the streets and decaying social contracts, is misleading - as it lures voters into believing that they have no problems when clearly they do have a problem. The first step in resolving any problem is recognizing that you have one. Once a problem is recognized, a credible government commits to resolving it quickly.
The spending of billions-of-dollars in election advertising-campaigns - must have a return on investment. Low Tax, Death Tax, Small Government, Open Markets - are all proven-harmful policies that ensure 95% of all income gains since 2008 have gone to the top-1% rich. This also resulting in national debts soaring and social contracts crumbling - which costs $37 billion dollars a day in lost national revenue in the U.S. today, and Americans were not the only ones impacted. Canadians lose $4.2 billion per day and France and Britain each lose $7.5 billion per day.
Oligarchs saw a great Return on Investment for their campaign spending; and, of course, the rich live well in any economy, but theses campaigns stalled economies and created real impacts and hardships for the 99% of middle income and poor - in 68% of nations internationally during this monetary system cycle's "turn".
Salaries Imbalance
Household Incomes Fall
The GDP Report was designed first in 1652 - to never show a problem. It is always positive, even if increases are the result of inflation alone, and it completely ignores expensive social contract loss and even shows benefit from housing bubbles, rent and mortgage poverty, and dozens of other important lost freedoms in society. In a monetary system, "freedom" is the gap between Salaries and Cost of Living (CoL). When salaries only afford Cost of Living, freedom is lost - and when salaries fall below COL, social contract is lost and that is a very expensive problem for everyone. The SCP Report explains these losses.
Why do you think politicians only show you their performance in GDP Reports? Especially at re-election times. Because it reinforces that everything is fine - and that there are no problems. Obviously this means that they are doing a great job of leading the country so you should re-elect them.
See a long list of international research Policy-by-Policy at http://transitioneconomics.info - in TEP charts and other relevant survey infographics.
Credible Measures also includes context in history, because all of these social problems that we are seeing today, are absolutely normal to a mature capitalism. FDR managed his mature capitalism against constant conservative obstructions to build the American Dream and the greatest economy of all time.
How do we know Truth when we see it?
Believe everything you see (or can prove correct), believe half of what you read or see on the news, and believe nothing you are asked to hear only
Edgar Alan Poe, but abridged by my father Edward Michael Tilley, Senior
FDR (Franklin Delano Roosevelt - U.S. President 1933 to 1945) created the American Dream and the greatest economy of all time, in a mature capitalism like today's, with the following now-proven turn-around policies:
Nationalism - prefer culture and drastically reduce immigration - no onshoring; no offshoring
Social Contract - his Second Bill of Rights went on to become the U.N.'s Univeral Rights Declaration, guarantees in our basic needs of food, housing, education, security, incomes, basic goods & healthcare. The cost of these social contracts can be reduced through Public Utilities
Full-Employment - business rewards for externalizing social costs must be reversed
Empathy - these first three policies above turned around Germany's economy in the 1930s; and then a systematic failing of empathy undid any good there. Debt forgiveness, COL corrections, mortgage walk-away laws, and many of the suggestions made in bibles work too (see Leviticus 25:26).
Affordable Home Ownership - one of our most powerful forms of savings. Many Asian and Hispanic nations failed to create strong titling systems, and capitalism here never contributed to the economy as it did in the American Dream economy.
Income and Wealth Distribution - FDR administered a 20-year program of 92% income tax and 80% estate tax for the rich
Debt Forgiveness - permitted citizens to walk away from unresolvable debt and also insolvent mortgages. And it also wrote down the national debts of most countries in Europe
Single Income Families - salaries must be higher than cost-of-living (usable money is "Freedom" in a monetary system). One income afforded a husband's family, and a wife's family's needs too. Men who weren't married, and not "Heads of Households", could not ascend to senior jobs in business nor in government
These policies were rolled out in the Marshall Plan to many starving European nations after World War II. Countries including Italy, Japan, and Germany lost the war, but won the peace. Why? Because these are the only G7 nations with advancing economies still today. The average paid vacation days in these countries is six weeks with full healthcare, daycare, pensions, low or no university tuitions, tax rates comparable to the U.S. (before private insurance costs), and strong social contracts and freedoms.
But you can't vote for these policies today - because no party offers them - until ACT Parties can emerge. Half of these policies used to be called Conservative - and the other half Liberal.
The Republican Party in the United States started a very questionable practice in the 1980s, when they set up marketing test-centers for political messages. Watch the recent movie "Vice" to see how these "think-tanks" (in name only) worked
The policy called "Low-Tax" tested very well in surveys, and was never explained to voters as a clear benefit for the rich. Low-Tax stalled economies as it heaped debt onto taxpayers who were the least able to afford this debt too
Unsustainable "Low-Tax" policy is alive and well 30-years later and voters are still easily mislead by predatory political parties - and their wealthy campaign sponsors. "Low-tax" is also called trickle down, scale-up investment, wealth creation, equality of opportunity, Reaganomics, Thatcherism and more.
"Estate Tax" - became "Death Tax" and helped wealthy Republican campaign sponsors, reduce 80% wealth distribution taxes by more than half.
"Diversity" and "Gender Equality" policies sound like they are defending women and minorities or immigrants. In fact they work against culture, family pensions, family values, sustainable birthrates, divorce, and a long list of our most serious social problems. Male salaries afford the needs of two families where female salaries afford one, and Canada has had equality of opportunity for a long time, far more than in less-developed nations.
"Middle Class", similar to low-tax, amounts to a vote-grab targeting largest demographic, abandoning the poor minority's needs. Voting like a "mob" incites revolutions.
When you vote for unsustainable policy, your economy reaps what you sew and it worsens.
Economics is not a science today, which is why CSQ Research had to create a brand new science before a solution to mature capitalisms could be confirmed through Scientific Method and observation.
Transition Economics surveys compare the same policies in 220-nations and then presents this information transparently in Proofs and Maturity Model Charts that explain which policies and social measures are proven to work in advancing economies.
Not to worry though, by the directions laid down by Sir Isaac Newton:
"Truth is ever to be found in simplicity, and not in the multiplicity and confusion of things."
Isaac Newton, Physics & Co-Founder of Calculus
There are twenty social measures that impact an economy - from most to least - as documented in End of War's The World at our Hands report and TEP Flashcards. By targeting improvements in the most important KPIs - like export per capita, GINI, and social contracts, your economy has a much higher probability to improve.
Social Contracts are Aristotle's Good Lives or our "American Dream" where everyone has the freedom to find the things they need - if not the things they want too.
Large Democracies have the most difficult time ensuring a Social Contract as monetary systems mature. Large economies are diverse with many industries so when unsustainable policies are imposed, they are not voted out quickly because only a minority of the economy is impacted.
Aristotle described democracy as "the mob" and an evil form of government because the needs of minorities are often ignored. For this reason, all democracies have a charter of rights.
When Bills of Rights do not explicitly include a Social Contract's rights of food, housing, healthcare, education, security and other essentials of life, our economies will stall and hardship, social problems, revolutions, and wars have always resulted.
FDR realized this when he called for a Second Bill of Rights in 1944. Click on the Youtube video of his speech here, because this is exactly how he built the American Dream.
Read more about essential Social Contracts at http://csq1.org/SCP - and share this #SocialContract message on social media whenever you can.
GDP hides the very high costs of crumbling Social Contracts. The United States loses $37 billion per day; Canada loses $4.2 billion, and France and Britain lose $7.5 billion daily to their eroded Social Contract. Click here to read an explanation...
What are Right Plans?
"Great philosophy is great leadership; and great leaders are great philosophers"
History - records great events; Philosophy - captures great thought-leadership – as presented by Socrates, Buddha, Alexander the Great, Marcus Aurelius, Aristotle, Sun Tzu, Hammurabi, Saladin, Queen Elizabeth I, Abraham Lincoln, Mahatma Ghandi, John Kennedy, and other legendary thought leaders
The Golden Rule and the Ten Commandments are other examples of important Philosophy that were later adopted by every religion in history
In Politic (322 BC), Aristotle noted:
"a meaningful life is one spent building Worthwhile Projects by a Right Plan that supports a sustainable community and Good Lives"
Right Plans, therefore, are great thinking in national strategic plans, which have two parts:
Worthwhile Projects
Engineering projects that make self-sufficient, and ensure a positive balance of trade, for all primary and secondary industries within an economy.
Sustainable Policy
Economies are made strong or weak by government policy entirely - and, strong social contract nations have advancing economies consistently
Our Monetary System Problems need to be addressed
Monetary systems have cycles, and they have lifespans too. If you give a country's citizens one-million dollars each, sixty years later you will see gross inequity. This is how successful capitalism is designed to work.
The end of a monetary system cycle can be called a Mature Monetary System, a Mature Capitalism, Late Capitalism, or a Great Depression. Depressions are called by several names in history - the Great Recession, a Great Depression (1930 and 1837), Panics, the General Crisis (1640), and even Longwave Winters - as we see in this Transition Economics chart.
Today's World GDP is fifty-nine-times the GDP in 1960. Today, therefore, a 1% inflation rate amounts to a 60-times increase in cost-of-living and spending (by 1960's measures). Why is there such a large increase? Compounding annual inflations are the GDP growth calculated since last year's GDP, which also includes all of the accumulated inflations of previous periods. 1% to 10% inflation rates annually have compounded for 60-years by now (since the start of our current monetary system cycle). A large logarithmic increase in monetary transactions like this guarantees that monetary systems are not sustainable without either i) on-going balancing – or ii) a "Reset". These controls are studied in Transition Economics.
Consider that "Freedom or Liberty in a monetary system, can be measured as the difference between reliable incomes and cost-of-living". If the ratio between reliable incomes and cost-of-living narrows for all over time, many of our freedoms will be lost - because we cannot acquire them lawfully. At the point that our reliable incomes do not meet our basic needs - or basic costs-of-living, our Social Contracts (basics of food, shelter, healthcare, education, etc) will be lost as well.
Today's record-high wars, international debt, populisms, economic recessions, hardship, low-savings and extremism – are normal. 68% of economies worldwide today are collapse-trending with negative trade balances and lower export-per-capita revenues. This means that they are not being properly managed by their governments, and once again, this is also normal.
In fact, this perfectly normal cycle has repeated dozens of times in written record – one of the earliest recordings was in 1763 BCE on the Code of Hammurabi.
Can Monetary System Cycles be managed?
Yes; monetary system cycles are manageable in two ways:
a) Governments can actively ensure that the ratio (balance) between reliable salaries and cost-of-living, stays in-balance every year. This is similar to CPI (Consumer Price Index) corrections – but a little more sweeping …
b) Governments can simply allow open markets to unbalance themselves – and then, when social hardships become too great, (governments) can reset the monetary system cycle to a new balance and a new cycle again.
The Code of Hammurabi and the Bible/Torah (Leviticus 25-26) suggested this second option at a time when monarchs had the authority to make these sweeping resets easily. A fiftieth-year Jubilee Year (a "Reset") was suggested to pre-empt the hardships of a mature cycle. Resets here included: Universal Debt forgiveness, wealth redistributions, and basically a concerted effort to reset the American Dream conditions that we see at the beginning of any new cycle.
This will sound pretty intuitive and even obvious to most of us I think.
To explain how we can also confirm this empirically today, let us begin with the report on our left. The late Professor Richard Wilkenson's students from Edinburgh University, Scotland, composed this TED Talk slide in 2011. It compares thirteen social problem statistics in twenty countries.
Scotland and Ireland have seen a tremendous turnaround in both social contract and economic prosperity since 2005, despite a global recession which still has a strong hold on Britain's Social Contract and economy. The turnaround can be directly attributed to the efforts of Dr. Wilkenson and like-minded academics and policy-makers in Scotland who modeled the importance of Social Contract policies that reset their economies. New Zealand, Germany, and Italy have watched these successes and are now positioning themselves to benefit similarly.
Our Bibles and the Code of Hammurabi described examples of administrative solutions to manage these resets too. From Leviticus 25-26 for example:
"25:10 Consecrate the fiftieth Jubilee Year and proclaim liberty throughout the land… 35. If any of your fellows become poor and are unable to support themselves among you, help them as you would a foreigner and stranger, so they can continue to live among you. 36 Do not take interest or any profit from them … so that they may continue to live among you. 37 You must not lend them money at interest or sell them food at a profit."
Clearly our contemporary society is not the first to recognize that monetary systems have a lifespan.
The ACT Party concept is an important part of the solution to managing this holy grail of macroeconomic solutions. Why?
ACT Parties allow you to vote, with confidence that only policy proven to increase the probability of sustainable societies and prosperous economies - in scientific Transition Economics - can be permitted.
ACT Parties are a little like Index Funds; the strategy works reliably over time without drama.
Monetary systems are important and must be managed better
Monetary Systems are important - and so is Capitalism - but the value of both is undermined when managed improperly. Unmanaged and unbalanced monetary systems are the very dangerous and costly problem that resulted in 120 million deaths in World Wars I & II. GDP Reports are preferred by politicians because they are NEVER negative - but without recognizing problems, no solutions can be acknowledged and then corrected. This is why The SCP Report is the more important monitor in late-cycle mature capitalisms.
Globally, large democracies will be hardest hit by unsustainable policy. This is because voters are a) untrained in their duty to rebalance monetary systems to their original ratios, and b) large economies are diverse and the majority ignore the needs of the minority easily. Special interests who act selfishly and in their own interest, can also have the means to spend billions of dollars promoting decision-making opposite to proper leadership and strategic planning.
As populations lose freedoms and then social contracts too, people and then economies - become unproductive until economies stall.
Any monetary system must afford our cost of living or that country fails. America loses $37 billion per day to its failed monetary system; Canada loses $4.2 billion per day - see the SCP Report for your country here.
Government policy and laws determine monetary system balance and imbalance entirely, so ACT can correct these problems just your vote.
Twenty to thirty years from now, we will have automated the manufacture and delivery of most things. At that point, we can begin to phase out money gradually - as we choose, but until that time we need to manage Monetary Systems better.
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The Stomp-Head 2.HG guitar amplifier is extremely light and small, but still great sounding and powerful. The amplifier can be placed either on a stage floor beside the effects, in a traditional way as an amp head, or installed on a pedalboard. It features two footswitches that allow fast channel changes as well as the ability to mute the sound when tuning.


With a focus on nurturing and encouraging spiritual growth through art, the Arts Committee sponsors art exhibits in Warren Hall and provides opportunities for members and friends of the church to create and learn about the visual arts. Frequently, items shown in our monthly exhibits are for sale. These exhibits provide a lively backdrop for the many activities that take place in Warren Hall and are often related to other aspects of our church life.
The Arts Committee, along with monthly shows of members' work, at times features outside artists. Sometimes these artists are from other churches or groups and sometimes they are local individual artists.


There was a time when kids and youngsters were hooked on to video games and hand video games. It was such a craze that kids used to spend hours playing it and at times even adults were addicted to it. Then with the advancement in technology, as the computers got the place in almost every household, kids became addicted to computer games and could not see anything but games on it. In this article, we will discuss the PlayStation and ps3.
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