Tag Archives: consumerism

Transportation

The Safest Used Cars Under 20K For Teens

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Consumer Reports and the Insurance Institute for Highway Safety have released their newly updated 2026 rankings of the safest used vehicles for teen drivers, identifying dozens of models under $10,000 and $20,000 that deliver significantly better crash protection and safety technology without breaking the family budget. The report also reinforces a sobering reality: teen drivers have crash rates nearly four times higher than drivers age 20 and older, making vehicle choice one of the most important safety decisions parents will make.

Automotive retail analysts and car consumer advocates Ray and Zach Shefska help consumers go beyond the rankings, explaining which of Consumer Reports’ recommendations truly represent the best values in today’s used-car market, where buyers should negotiate aggressively, which popular models parents should avoid despite attractive prices, and how to determine whether spending a few thousand dollars more for advanced safety technologies like automatic emergency braking is actually worth it. They recommend that buyers always perform due deligence and research today’s used-car pricing, financing costs, depreciation trends, and try to understand how dealer tactics are affecting families shopping for a safe first vehicle.

Key Considerations For Parents Considering Buying are:

  • The safest used cars parents can buy for under $20,000 usd/ $27,740 cad (exchange rate at time of posting)
  • Why the cheapest used car often becomes the most expensive mistake
  • Hidden dealer markups and fees first-time buyers should avoid
  • Which safety features are non-negotiable for teen drivers
  • The best negotiation strategies in today’s used-car market
  • Whether buying new is beginning to make more financial sense than buying used
  • How to tell whether a used car is actually priced fairly before you buy
  • The online tools and data every used-car shopper should use before stepping into a dealership
  • The pricing data, VIN history, and market trends smart buyers use to avoid overpaying
  • Look online for a number of free resources that can help families compare used cars, spot bad deals, and negotiate with confidence

Top used cars for teens combine safety, affordability, and reliability, with models like the Mazda 3, Honda Civic, and Toyota Corolla leading the list.

Key Considerations for Teen Drivers

When choosing a used car for a teen, prioritize:

  • Safety: Look for vehicles with strong crash-test ratings and features like automatic emergency braking (AEB) and stability control caroutlay.comcaroutlay.com.
  • Affordability: Cars under $20,000 are ideal, with some safe options available for under $8,000 CarGurusCarGurus+1.
  • Reliability: Low maintenance costs and proven durability help reduce long-term expenses.
  • Insurance Costs: Avoid high-horsepower or luxury models to keep premiums manageable caroutlay.comcaroutlay.com.

Top Recommended Used Cars

  1. Mazda 3 (2014–2019)
    • Available in sedan and hatchback styles
    • Fun to drive with predictable handling
    • Top Safety Pick+ ratings from IIHS
    • Optional all-wheel drive for colder climates EdmundsEdmunds+2
  2. Honda Civic (2016–2021)
    • Sedan, hatchback, and coupe options
    • Reliable, fuel-efficient, and safe
    • Affordable with strong aftermarket support for customization
    • Excellent IIHS and Consumer Reports ratings MotorTrendMotorTrend
  3. Toyota Corolla (2014–2019)
    • Known for reliability and low maintenance costs
    • Good crash-test scores and standard safety features
    • Practical for daily commuting and long-term ownership EdmundsEdmunds
  4. Subaru Impreza (2015–2019)
    • Standard all-wheel drive
    • Strong safety ratings and solid reliability
    • Available in sedan and hatchback versions, suitable for snowy regions EdmundsEdmunds
  5. Mini Countryman (2014–2017)
    • Compact SUV with good crash ratings
    • Affordable used options starting around $4,600
    • Offers a fun driving experience while remaining practical caroutlay.comcaroutlay.com

Budget-Friendly Options Under $8,000

For families on a tighter budget, consider:

  • Older Toyota Corolla or Honda Civic models
  • Mazda 3 from earlier model years
  • Minivans like the Honda Odyssey or Toyota Sienna, which are surprisingly safe and practical for teens CarGurusCarGurus

Final Tips

  • Check vehicle history reports and maintenance records before purchase.
  • Prioritize moderate engine power to reduce accident risk and insurance costs.
  • Consider sedans or hatchbacks over coupes or sports cars for better safety and practicality.
  • Use online tools to estimate five-year ownership costs, including insurance, fuel, and maintenance caroutlay.comcaroutlay.com.
    By focusing on safety, reliability, and affordability, these used cars provide a balanced choice for teen drivers while keeping long-term costs manageable.

With decades of combined experience analyzing vehicle pricing, dealership practices, and consumer buying behavior, Ray and Zach Shefska translate complex automotive data into practical advice that helps families purchase safer vehicles while avoiding costly mistakes. Their insights complement Consumer Reports’ safety testing with real-world market expertise, giving buyers the information they need to make smarter, more confident purchasing decisions.

For the Silo, Marsha Zorn and Stephanie Fisher.

Who Are CarEdge?


CarEdge is a leading car consumer advocacy platform dedicated to empowering car shoppers to make confident, informed and financially savvy decisions. With trusted resources that includes AI agent shoppers, a Car Dealer Transparency Index, and hundreds of guides and videos on YouTube, CarEdge is redefining transparency, fairness and value in the automotive industry.

Source: Consumer Reports

Transportation

Are Extended Car Warranties A Rip Off?

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Buying a car is a process that’s full of decisions, many of which can drastically alter your out-the-door price. Deciding whether to purchase add-ons simply adds to the stress of it all. Most car buyers are offered an “extended warranty,” but it’s a term that is too often used in a misleading way. What are extended car warranties, and when do you need one? 

What Is an Extended Warranty?

An extended warranty is a service contract that covers certain repairs or services after the original manufacturer’s warranty expires. However, the term is frequently used incorrectly to refer to vehicle service contracts (VSCs) sold by third parties. A true extended warranty can only be provided by the vehicle’s manufacturer or dealer. Vehicle service contracts, on the other hand, are often sold by third-party companies and cover repairs in addition to the original warranty.  Both extended warranties and vehicle service contracts protect you from unforeseen repair expenses; the key difference is who sells you the plan – the car’s manufacturer or a third party.

Whether you need an extended warranty depends on your personal risk tolerance and the reliability of the vehicle you are purchasing. Here are some factors to consider:

  • New Cars: New vehicles come with a manufacturer’s warranty that typically lasts for 3 to 5 years, with mileage limitations as well. Here’s an example from Toyota.  It’s important to check the warranty term for the vehicle you’re considering buying. If you plan to keep the car beyond this period and want extra peace of mind, an extended warranty or VSC might be a good option.
  • Used Cars: For used cars, especially those without any remaining manufacturer’s warranty, an extended warranty can provide valuable protection against unexpected repair costs. However, it’s important to consider the vehicle’s reliability and your willingness to pay for potential repairs out of pocket. For used cars, you can often get a much lower rate for a vehicle service contract from a third party.

What Coverage Should an Extended Warranty provide?

When evaluating an extended car warranty, consider the following coverage details. The same rings true for vehicle service contracts:

  • Duration and Mileage: Ensure the warranty covers an adequate period and mileage that suits your needs and driving habits.
  • Covered Components: Look for comprehensive coverage that includes major systems like the engine, transmission, electrical systems, and more. 
  • Exclusions: Understand what is not covered, such as wear-and-tear items and regular maintenance.
  • Deductibles: Check the deductible amount and whether it applies per visit or per repair. A high deductible may change your mind about the value of the coverage.
  • Additional Benefits: Some warranties include extras like roadside assistance and rental car reimbursement.

It’s always a good idea to view a sample contract before signing on the dotted line.

Should I Buy an Extended Warranty at the Car Dealership, or Somewhere Else?

While car dealerships often offer extended warranties, they typically come with significant markups. Here are your options:

  • Dealership: Convenient but usually more expensive. Be sure to ask if the warranty is from the manufacturer or a third party, and get other quotes to compare rates and terms, no matter what!
  • Manufacturer: You can often buy an extended car warranty directly from the manufacturer, sometimes even after the original purchase. But is it a better deal? Compare terms, coverage, and exclusions, along with the price. 
  • Third-Party providers: Many third-party companies sell vehicle service contracts. While these can be cheaper, it’s crucial to research the provider’s reputation and read the contract carefully to understand what is covered and what is not. These extended warranty and VSC providers are A+ rated from the BBB.

The Takeaway: Consider Coverage Details and Risk tolerance

Understanding what an extended warranty is and whether you need one can help you make an informed decision when purchasing a vehicle. Remember to consider your risk tolerance, the reliability of the car, and the coverage details of the warranty (or vehicle service contract). By doing your due diligence, you can find the best option that provides peace of mind.

For the Silo, Karen Hayhurst.



CarEdge is a leading car consumer advocacy platform dedicated to empowering car shoppers to make confident, informed and financially savvy decisions. With trusted resources that includes AI agent shoppers, a Car Dealer Transparency Index, and hundreds of guides and videos on YouTube, CarEdge is redefining transparency, fairness and value in the automotive industry.

Transportation

How The Fuel Price At Canada’s Gas Pumps Got So High

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To: Canadian gasoline buyers  

From: G. Kent Fellows 

Canadian retail gasoline prices have soared since the start of the Iran war – even though Canada ranks fourth globally in annual crude oil production, behind only the United States, Russia and Saudi Arabia. 

If we have so much oil, why are our gas prices high? 

Start with retail markets. In most of Canada, gasoline retailers are free to set prices. In doing so, they think of their costs, their competitors’ prices and how consumers will react. They’re less concerned about what they paid for the fuel they’re selling than what it will cost to replace it next time they order a gasoline shipment. So, when the wholesale price rises, they adjust their own prices quite quickly. 

Rockets and Feathers

Conversely, when prices fall, they end up in a game of chicken with their competitors. The station that cuts prices first does sell more fuel but it makes less profit on each litre. Retailers balance the profit they make from more volume against their reduced margin. This leads to a phenomenon some economists call “rockets and feathers.” Prices rise fast and fall slowly. 

As consumers it’s tempting to think we’re getting ripped off. But, over time, gas stations really aren’t big profit engines. They make a bit of money when wholesale prices fall, less when wholesale prices rise. Overall, they make enough to pay for their staff and inputs while getting a fair return on their investment. 

Working backwards through the story, gas stations buy gas from a wholesaler. Sometimes they buy from the same brand (i.e., a Shell station buys its fuel from a Shell wholesaler) but often there’s no connection: Retailers buy the cheapest gas available. There are fewer wholesalers than retailers but the wholesale market is competitive, too. Gasoline is pretty much the same no matter who you buy it from so it’s hard for any single wholesaler to charge a higher price than its competitors. Wholesalers, like retailers, set prices based on their competition and the replacement cost of their inventory. More rockets and feathers. 

To summarize: Retail prices spike with wholesale prices, and wholesale prices spike with crude oil prices. 

And why are Canadian crude oil prices rising when we are half a world away from Iran? Because global oil markets are linked and Canadian producers prefer more profit to less. When a Canadian producer markets its crude, it looks for the highest bidder. If it can sell to an export partner for a higher price, it will. Canadian refineries therefore need to match that price to buy oil for domestic use. 

This is a feature, not a bug. 

Canada and the United States are the only two major oil-producing nations with competitive crude oil markets. All other producing nations co-ordinate production through state-owned enterprises. Canadian oil companies, though large in absolute terms, are small relative to their international rivals. This makes them price-takers. 

A Canadian firm can’t simply decide to charge more, the way OPEC producers can. They’re too small to influence global markets. They’re also prohibited by law from colluding with each other to drive up prices. As a result, though Canadian producers may well benefit from rising global crude oil prices, they can’t cause them. 

Canadian producers could offer lower prices to domestic refineries, but that’s against their own interests and would reduce their profits. Preferencing the domestic market with lower crude oil prices would also risk damaging our trade relationships. 

A fundamental rule of economics is that prices and quantities are linked. As the quantity of globally available crude oil falls, prices rise for crude and gasoline alike. As gas prices go up, we consume less gasoline and by extension less crude oil. That’s how global market systems balance supply and demand. 

If we artificially suppress prices for Canadian consumers (and only Canadian consumers) we end up consuming more gasoline domestically and exporting less oil. Drivers would benefit but the reduction in exports would lower our incomes, damage our terms of trade and hurt our reputation as a reliable trade partner. 

Yes, when world oil prices rise Canadian oil producers make higher profits. But they aren’t “gouging” consumers and this isn’t a federal or provincial policy failure. It’s the global market doing what it’s supposed to do.  [A point to consider: last year the highest octane fuel available, 94 was selling for on average $2.00/L in Southern Ontario. Today that fuel sells for on average $2.12/L meaning an increase of 6% in cost. Yet the most common octane fuel: 87 has seen an increase of (avg. of $1.40/L vs today’s rate of $1.83/L) of 25%. Shouldn’t the % increases in fuel be the same? CP]

For the Silo, Kent Fellows.

Kent Fellows is assistant professor (Economics) and Associate Program Director of the Canadian Northern Corridor research program at The School of Public Policy, University of Calgary and fellow-in-residence at the C.D. Howe Institute. 

Reviews

Christmas Gift Not As Advertised? Leave A Review.

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How Reviews Influence Consumer Culture

The internet and its vast adoption have now had a huge impact on our shopping and consumer habits. It provides more choice than ever before when it comes to shopping around. Here’s a boring but necessary example- If you’re going to get your car insured, there are many sites that directly compare providers of insurance so that you don’t have to. 

There are also plenty of sites that specialize in allowing you and other consumers to leave honest reviews on products or services that are offered by businesses, no matter what country they’re in. In fact, the sole purpose of some of these websites is to help you, aid you in making informed decisions, and hold businesses to account when it comes to bad reviews to explain themselves and resolve their issues. I bet that there are many of you who have discovered that your highly anticipated Christmas present is ‘not as advertised’. Bummer. The best way of preventing this from happening to others is to leave an honest review.

A lot of choice out there

And if you’re looking to make a choice between one business and another, a review can have a huge sway in eventually helping you decide which is the best one to choose. A fine example is a website called casinos.com that allows users to leave reviews on both online casinos and on the top slot games. And in the casino industry, in particular, competition is so fierce amongst some of the top brands in the industry at the moment that having positive reviews can help them gain more players, so it’s essential they provide good service and an entertaining experience. 

The consequences of negative reviews

Put yourself in a typical consumer’s shoes. If you go to a review website and see a raft of bad reviews for a particular store or a particular website, this immediately throws up warning flags. If a business has thousands of reviews left and there’s the odd low rating that can be looked past, but when you notice trends or the vast majority are negative reviews, you won’t consider joining that site. It’s like the internet’s version of word of mouth, and so it’s vitally important that online casinos and businesses in other industries ensure that they have support structures in place to help consumers and online users, rather than them resorting to leaving a bad review.

How many people will look online for a review?

To put into numbers just how influential reviews are, a recent study found that 93% of customers will look at an online review before going ahead and spending money online. That is an absolutely huge majority. And so, essentially, if you have shocking reviews for your business online, on average, about 93% of your potential customers are going to be able to see these negative reviews, and this will more than likely ensure that these are lost sales where they go to one of your competitors. A lot of the top eCommerce sites such as Amazon also allow customers to leave reviews on products following their purchase directly on the site so that users don’t have to go to other sources in order to discover other peoples feedback.

A digital form of word-of-mouth

A lot of our consumer behavior is influenced by what others think. Reviews are just the internet equivalent of a personal recommendation from a friend. You may have had it before where you’ve asked either on social media or directly to friends or family about a recommendation for a certain service, and you’ve gone ahead and chosen their recommendation due to your affiliation and pre-existing relationship with that particular person. And although you don’t know the people directly who leave reviews, there is no doubt that if there is a large quantity, it can certainly influence a purchasing decision. 

Reviews of products

Although you’re looking for online reviews, they are only available on online websites. A lot of people will also share reviews in video format on places such as YouTube. This is popular amongst electronics such as smartphones and watches, and a common method as you probably already know is called unboxing, whereby they will show you the features of a certain product after unboxing it. 

There are also a lot of blog websites where someone will blog about their experience or their personal views and opinions on a certain service, subject, or product. This is also a very popular resource for people to look at before potentially reaching a decision on whether to buy a product. 

In Summary

From what we’ve discussed today, it’s abundantly clear that reviews can and do have a huge influence on our consumer culture and behavior. If you have been slighted by a gift that is not as advertised do us all a favor and leave a review. They help a lot in helping us make informed decisions as consumers prior to making a decision to purchase either a product or a service. For the Silo, Diane Hutton.

Culture

11% Of Male Cyber Monday Shoppers Will Pull Items Out Of Hands Of Others

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Black Friday and Cyber Monday are a cultural phenom. One that American and (in the past few years) hard-boiled Canadian consumers look forward to each year. We brave the crowds, set out a savings mission plan and shop like a thrifty gladiator entering the battle arena of value.

WHEN IT COMES TO BLACK FRIDAY/CYBER MONDAY…

While images of people camped out in Walmart parking lots regularly dominates the Black Friday news cycle (as well as trampling and fights), we wanted to find out how people really intend to spend these consumer holidays-and more importantly, how much they intend to spend. We also looked at Holiday Gift searches from the last few years on our sister site-interestingly, there’s apparently a big market for discontinued perfumes.

SOME INTERESTING FACTS FROM THE STUDY

* Men are much more open to violence on Black Friday/ Cyber Monday: One out of 10 guys (11%) would pull something out of the hands of another shopper.

* 86% of Generation Y intends to use Black Friday and Cyber Monday discounts on items for themselves.

* Men are the most generous: 26% of guys plan to spend at least $1,000 usd/ $1,410 cad (exchange at time of article) on holiday gifts.

* Very few people are procrastinating: While 4% claim they’re already finished with their holiday shopping, 41% intends to complete it on Black Friday/Cyber Monday.

* 43% will wait up to an hour on Black Friday; 24 people said they’d willingly camp out for MULTIPLE NIGHTS.

* Bosses and co-workers are at the bottom of everyone’s shopping list: Children, understandably rule (followed by spouses/significant others).

The following info-graphic is based on responses from 6,354 online shoppers who were surveyed last year immediately after checking out. Odds are things haven’t changed much this year.  Here’s more from our friends at Tada (or Pollpay depending on your region), they are awesomely obsessed with reporting on all the things that online shoppers value.  For the Silo, shopzilla.com/Jarrod Barker.

Supplemental-

What were shoppers interested in 13 years ago? Take a look at this data chart from 2012.


Silo Black Friday Cyber Monday

Culture

How We Set In Motion Coffee Global Business

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If you are like me- someone who has drunk much more than one coffee in your life, you might be interested in pondering this question: Why do you think the multi-billion-dollar global coffee industry can be a losing business for the growers, whose hands till the land from where coffee starts?

In fact, if you drink 2 cups of coffee a day for one year, you’ll be spending more than the annual income of the coffee farmer in a developing country. To help present to fellow North American coffee drinkers this huge disparity between the farmer and the other key players across the coffee value chain, take a look at the infographic below.

Considering that North America is the biggest coffee consumer in the world, we can make a big dent by supporting the fair trade advocacy that ensures farmers get paid properly. Take a look at the infographic again. It describes how coffee is made from the farm to the mill, to the roasting plant and all the way to the consumer. Here are some of its highlights that show the bigness of this industry:

– 100 M people depend on coffee for livelihood; 25 M of which are farmers

– The U.S. spent 18 B for coffee yearly, equivalent to Bosnia’s GDP

– Coffee is the second most globally traded commodity after petroleum

For the Silo, Alex Hillsberg Web Journalist

 

Here's How You Make Coffee A Billion Dollar Business

Supplemental- How North Americans can help the #fairtrade program

http://financesonline.com/cherry-to-cup-the-economics-of-coffee/

http://financesonline.com/why-fairtrade-should-matter-to-you/

Gaming

Soaring Sports Game Ticket Prices Are Nothing New

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Dr. Eric Dolansky- Goodman School of Business at Brock University: Consumers are happier about price increases when they know they're coming and why they're happening.
Dr. Eric Dolansky- Goodman School of Business at Brock University: “Consumers are happier about price increases when they know they’re coming and why they’re happening.”

For years, hotels and airlines, car rental agencies and energy companies have been using a phenomena known as dynamic pricing to set costs for their consumers. This real-time pricing results in fluctuations depending on a variety of factors, but is often associated with supply and demand – and it is becoming more and more prevalent in the sports world.

This economic practice has been studied by Dr. Eric Dolansky, an assistant professor at the Goodman School of Business at Brock University. Specifically, Dr. Dolansky has examined sequences of pricing and the effect it has on consumer habits. While many consumers grumble about dynamic pricing causing hikes in gas prices, that in part has to do with the unpredictability of the increases.

The situation with sports tickets is a bit different in the minds of consumers, argues Professor Dolansky. This type of dynamic pricing is tied to demand, so consumers expect the prices to increase as the nature of the competition increases, or the date of the event nears and the supply of available tickets dwindles. For example, seats in Section 121 at the Air Canada Centre on October 17 for a Toronto Maple Leafs game against the Carolina Hurricanes range from $193 to $223. But in the same section for the Leafs’ October 26 game versus the Pittsburgh Penguins, tickets range from $253 to $288.

It's not a new idea- from wanderstories.com: "In Roman times, the tickets were known as tessara - small clay discs, which were stamped with details of the locus, or seat number, gradus or row number, cuneus, or sector and entrance gate. For example: LOC X, meaning seat number 10, GRAD V - row number 5, CVN III - sector number 3. Tickets were free, but everyone had to have a ticket to attend. Tickets were distributed to organizations, institutions and groups, who in turn, distributed them to the Roman citizens. As the games were popular, there was also a black market, where tickets would be sold, with high prices for some of the most important games." CP
It’s not a new idea- from wanderstories.com: “In Roman times, the tickets were known as tessara – small clay discs, which were stamped with details of the locus, or seat number, gradus or row number, cuneus, or sector and entrance gate. For example: LOC X, meaning seat number 10, GRAD V – row number 5, CVN III – sector number 3. Tickets were free, but everyone had to have a ticket to attend. Tickets were distributed to organizations, institutions and groups, who in turn, distributed them to the Roman citizens. As the games were popular, there was also a black market, where tickets would be sold, with high prices for some of the most important games.”

Evidence Professor Dolansky has studied suggests when consumers are aware prices are going to rise from a particular point, and they have a basic understanding of the events that are driving the increase, they tend to believe it is more fair.  For the Silo, Stephen Murdoch

Supplemental- Conference keynote presentations by Dr. Dolansky

Clemente, S., Dolansky, E., Mantonakis, A. and White, K.  The Effects of Perceived Product-Association Incongruity on Consumption Experiences – Academy of Wine Business Research Conference, Niagara, Ontario, June, 2013.

Clemente, S., Dolansky, E., Mantonakis, A. and White, K.  The Effects of Perceived Product-Association Incongruity on Consumption Experiences – Society for Consumer Psychology, Las Vegas, Nevada, February, 2012.

Clemente, S., Dolansky, E., Mantonakis, A. and White, K.  The Effects of Perceived Product-Association Incongruity on Consumption Experiences – Association for Consumer Research, Vancouver, British Columbia, October, 2012.

Clemente, S., Dolansky, E., Mantonakis, A. and White, K.  The Effects of Perceived Product-Association Incongruity on Consumption Experiences – Southern Ontario Behavioural Decision Research, Waterloo, Ontario, May, 2012.

Old school sports tickets and events– Gladiatorial Combat http://wanderstories.com/wp-content/samples/book/Rome/Colosseum.html

Reviews

7 Marvelous Mother’s Day Gifts Under $100

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According to the National Retail Federation, Mother’s Day shoppers are expected to spend an average of over $200 cad for the holiday. That’s a lot of retail-driven adoration. From food to flowers to frocks, well-intentioned gifters are indelibly on the hunt for that perfect present that’ll light up Mom’s face and warm her heart—not just on Mother’s Day but, optimally, all year through.

Towards this end, here’s an apt assortment of gift ideas priced under $100 that she can enjoy on the daily.

photo: RuMe

The Kennedy Tote from RuMe (www.MyRume.com) – $17.95


The Kennedy Tote from RuMe (pronounced “Room-ey”) is a stylish tote that’s great for the woman on-the-go. Available in 27 unique patterns and colors, these trendy bags are designed with extra-long vegan leather handles to ensure it’s comfortable to carry over your shoulder, and boast a durable polyester body sure to stand the test of time. The Kennedy Tote is the perfect size for Mom to fit everything from laptops and tablets, to library books, clothes and even those random toys and snacks that always seem to make their way into her bag. It’s bigger than the average purse, but not so big that it’s overwhelming.

The Kennedy Tote is handmade in the USA and all are made to order. With this, Mom can leave that boring canvas tote at home and rock some style-sense!

photo: Topcor LLC

Clipa Bag Hanger (www.Clipa.us) – $18.99


While Mom is out and about, give you an easy and attractive way to secure her Kennedy Tote or any other stylish handbag off the dirty floor—especially in restaurants, bathrooms, movie theaters and other public places. Clipa, which means “instant” in Romanian, is a decidedly fashionable, USA-made handbag hanger that goes on—not in—the bag for quick and easy use at any time. This strong, circular purse hanger is designed for heavy bags—it can actually hold up to 33 pounds! It’ll keep her handbag off the ground or floor, safe from germs and filth.

It works in seconds.

Simply open and place on the bag strap to have whenever needed. To use, just open one end and hang. When finished, just pull the strap and Clipa automatically closes and slides back onto the bag. The new Clipa2 is a lighter and sleeker model that works in more places including thicker countertops and tables. It’s ideal for bathroom stall doors and walls, shopping carts even rails. Also durable, it’s been tested to last for 10 years of daily use. Also fashion-adaptable, Clipa comes in a variety of colors, designs, and metals including matte and polished, hematite, gold, and silver. I’ve used a variety of handbag hangers and Clipa is by far the most versatile and durable.

photo: Heat Holders

Heat Holders Ladies Lounge Socks with Heart Grip (www.HeatHolders.com) – $19.99


This spring and summer, Mom will surely love staying warm and cozy with fashionable Heat Holders’ Lounge Socks—especially when ensconced in a chilly, air-conditioned environment. This short ankle length slipper-style sock with turn over cuffs is ideal for lounging around the home. Perfect to express your love for mom, they include cute heart shaped non-slip grippers on the bottom to provide better traction on hard indoor surfaces like wood or tile.

Thick and chunky with long pile cushioning, these thermal socks help keep feet fully comfortable and supported. The inside of each sock has been intensively brushed, which makes it not only feel sensationally soft but also traps warm air close to the skin keeping feet warmer for longer. Wrapped in a pretty ribbon that says “Just for you”, these socks (available in stripe or solid patterns) make a thoughtful gift she’ll use time and time again.

photo: BELLA Housewares

BELLA Rotating Belgian Waffle Maker (www.BellaHousewares.com) – $29.99


Perfect for those culinary Moms who love to impress and indulge, the new BELLA Ceramic Copper Titanium rotating Belgian waffle maker will surely be well-received. With it, Mom and the whole family can enjoy 1″ thick crisp and fluffy restaurant quality Belgian waffles at home in mere minutes. The true non-stick coating allows the use of any batter desired—so she can get super creative! This enduring appliance has a unique ceramic non-stick coating that is 8 times more durable and cooks up to 30% faster than standard non-stick coatings. This ultra-durable coating is actually reinforced with titanium for outstanding resilience and resistance to metal utensils, resisting scratches and scuffs.

It even has a healthy “eco-coating” that doesn’t contain lead or cadmium and is also PTFE and PFOA free.

Mom will also appreciate the space saving design with a folding handle that allows for convenient storage, along with the drip tray making cleaning a breeze.

photo: Crux Kitchen

 

CRUX Toaster Oven with Convection (www.CruxKitchen.com) – $89.99


Moms are constantly looking for ways to make cooking simpler. The CRUX Toaster Oven with Convection function is one easy way to improve and expedite her cooking efforts and is a practical gift she’s certain to appreciate. This device delivers faster, more even heating and also maintains enhanced temperature accuracy. In all, the highly uniform heating profile without hot-spots yields fantastic toasting results. And, the large 17-liter capacity holds up to six slices of bread or a 12” pizza.

Other notable features of the CRUX Toaster oven include 700-watt heating elements that preheat quickly and cook efficiently; bake, broil, bagel, toast and warm functions; 60-minute timer with stay-on and auto shut-off; and a grill rack with three positions to accommodate various size casseroles and baking pans. The unit also comes complete with a bake pan and external removable crumb tray. Whether she’s looking for convenience for breakfast, lunch or dinner—for herself or the whole family—or wanting to bake a quick late-night snack, she’ll love the ease and power of this appliance.

photo: Luxco

Pompelmoncello Rosemary Mojito with Everclear (www.MakeItYourOwn.com)


What more quintessential way to celebrate Mom than with a homemade brunch on Mother’s Day? And while you’re at it, go ahead and whip her up a tasty mixed elixir. One recipe idea is the Pompelmoncello Rosemary Mojito made with Everclear. This delicious cocktail mixes together grapefruit, rum and rosemary, creating a sweet and refreshing cocktail that’ll help her relax and enjoy her special day.

The Everclear spirit component is distilled from 100% selected grains, providing a neutral flavor profile along with a high proof—so do be mindful of the amount used. Because it’s flavor neutral, it has a unique ability to extract even the subtlest of flavors, providing home mixologists with a clean slate, a blank canvas and endless potential. For those who insist a mojito requires mint, this cocktail politely disagrees.

The flavors of grapefruit, rum and rosemary combine perfectly to help you forget everything you thought you knew about the Havana classic—and delight Mom in kind.

photo: Nonni’s Foods

 

Nonni’s Dark Chocolate Almond THINaddictives (www.Nonnis.com) – Starting at $4.49


Another delightful indulgence for Mom—particularly those who are health conscious and ever on-the-go—is the better-for-you Dark Chocolate Almond THINaddictives from Nonni’s artisan bakery. They’re thin, crunchy, and super addictive…but in the best way. THINaddictives are handmade quality from a cherished family recipe passed down from generation to generation with no two cookies alike. Averaging only 70 to 80 calories per pack, each almond thin is lightly drizzled with decadent dark chocolate and made with real ingredients such as California almonds, bananas and sweet cherries for a guilt-free anytime snack.

These crunchy delights come in three delectable flavors: Dark Chocolate Banana Almond, Dark Chocolate Cherry Almond and Double Dark Chocolate Almond. THINaddictives pair perfectly with hot or cold beverages like iced coffee or tea or are certainly delectable by themselves. With each pack individually wrapped, they’re awesome to take on-the-go. Find these tasty treats at retailers nationwide. For the Silo, Merilee Kern.

As the Executive Editor and Producer of “The Luxe List,” Merilee Kern is an internationally-regarded consumer product trends expert and hospitality industry voice of authority—a travel, dining, leisure and lifestyle expert who spotlights noteworthy marketplace innovations, change makers, movers and shakers. She reports on exemplary travel destinations and experiences, extraordinary events and newsworthy products and services across all categories. Reach her online, on Twitter on Facebook and on Instagram.

***Some or all of the accommodations(s), experience(s), item(s) and/or service(s) detailed above may have been provided or sponsored at no cost to accommodate this review, but all opinions expressed are entirely those of Merilee Kern and have not been influenced in any way.***

Source:

https://nrf.com/media/press-releases/mothers-day-spending-reach-record-high-236-billion

Earth

Your Electronic Goods Recycling Donations Become Bank Deposits

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Used and broken electronics such as computers, cellphones, dvd players, washers and dryers still hold intrinsic value because if you were to peer inside these things you’d notice a lot of wire and circuitry. There is a surprisingly substantial amount of copper, silver and gold waiting for “the recycling”.

Consumerism- the acquisition of goods, is largely based today on electronic devices- large screen televisions or smartphones for example. Many of us feel the need to upgrade regularly: bigger screens for our living rooms and faster and more powerful phones.  But in broad terms, our discarded electronic goods contain about the same amount of silver, copper, gold and platinum as the new items we are replacing them with.

How much value are we talking about?

It is difficult to determine an exact value of gold and other precious materials in an average cellphone. This is because no two models are exactly alike, no two batteries are exactly alike.

Lux Bringer from reddit.com:

All of a sudden these, “bring your old cellphones to us so we can recycle them for you” campaigns are making a lot more sense. Sneaky bastards.

 PtrN from reddit.com:PtrN                                                                                                         

I’m not sure. I’m seeing that the average cell phone has 1/8 a gram of gold in it from other comments. At the time of this writing, CNN currently has gold going at $1650USD per troy ounce. I crunched the numbers and am seeing that there is about $6.60USD worth of gold in a cellphone. Not too bad, but I don’t know how profitable it will be after you take into account the costs of transportation and the extraction process itself.

Thoust from reddit.com:

There are other materials in a phone they can salvage besides gold

professor_fatass from reddit.com:

According to the article you also get platinum, palladium, and copper. As well as the glass and plastic which may not be worth much but it can still be recycled.

Interesting isn’t it?

Let’s consider the price of copper. Right now in Canada it is just under 4$CDN per pound. If you’re keen and want to sell your own scrap copper you will need a lot of it. An average washing machine motor has about 8$CDN worth of copper wiring up for grabs. http://www.instructables.com/id/how-to-get-tons-of-free-enameled-copper-wire/http://priceofscrapmetal.com/how-to-sell-scrap-copper-wire/

Gold!

There is gold and platinum inside computer circuit boards and hard drives. Most of the gold is an alloy or plated over another metal but at highs predicted to reach near $1,8000USD per ounce- a high volume recycling effort will pay off.

Bleepin’ Animinion from bleepingcomputer.com:

Any, true recycling effort that would be of a profitable nature needs to be EPA approved. Due to the multiple hazardous materials mixed in with the minute amounts of precious metals. As well as the highly toxic removal and heavy metals separations processes. Also as an example it would take an average of one ton of random circuit-board waste to generate one pound of gold. Add to that electronic grade precious metals are not the expensive jewelry grade high dollar metals. Therefore looking at the gold market is not the price you would get. So the profit you would make on the precious metals would be eaten up by the fees and expense of waste disposal of the one ton of hazardous useless waste product left behind after you reclaimed the precious and hazardous heavy metals. This is definitely not a a project to undertake on a small scale in your garage.

This last quote is an important thing to consider.

If you are considering dropping off your scrap electronics and appliances ask the receiving party if they are environmentally approved and a member of an Electronic Stewardship.  After all, your discarded electronics will earn a tidy sum of money for a large scale salvager. The least they can do is operate within the law and operate with an environmental conscience. But there is some worry.

The salvagers are looking for an uninformed public- they set up their marketing and advertising in a way that makes no mention of the economic benefits they stand to make.

They seldom if ever offer you a small stipend for your ‘donated scrap’ and perhaps even worse, many pose as “good deed” companies ridding us of our “broken goods” destined for the landfill. The Ontario Electronic Stewardship  is a non-profit group that overseas responsible recycling of electronics.  This Stewardship works with existing legal frameworks put in place by Waste Diversion Ontario and the 2002 Waste Diversion Act.  www.wdo.ca

Social impact in the developing world.

In Southern China over 100,000 people including children spend their lives dismantling discarded electronic devices for scrap metal and an unknown number are doing the same thing in Nigeria.  http://www.economist.com/news/international/21570678-growing-mounds-electronic-scrap-can-mean-profits-or-scandals-cadmium-lining

In this file photo from 2001, a migrant child sits atop a pile of unrecyclable computer waste imported to Guiya, China, from other countries.

Basal Action Network

Some players are keeping it real.

Not every electronic device recycling campaign is shady.  Increasingly, not-for-profit groups and volunteer fire departments are setting up large recycling bins with signage such as “your donated scrap metal and electronics helps fund X”. 

If you are considering dropping off discarded electronics to your local “recycling and scrap drive” ask a few questions. Where are the profits from the salvaged materials going? Is the company operating the drive aware of the Ontario Electronic Stewardship guidelines? What happens to your donated goods at the end of the cycle- are they destined for a landfill or for China?

Earth

The Production And Distribution Of Organic Food

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If you want to create healthier habits for yourself and your loved ones, it might be a good time to switch to organic foods. The benefits of this diet are numerous, and with the global expansion of the market, organic food has become readily available to all.

Ask yourself — what kind of food do I actually eat, and how is this food produced? You may not like the answer, but there is one simple solution to this problem — organic food. This type of diet may not look as appealing as GMO, but trust us when we say, it tastes the same, and it is not bad for your health.

Who Are the Leading Manufacturers of Organic Food?

If we look at the bigger picture of organic food production, the leading place belongs to Australia where organic farms occupy an area of 35.9 million ha, followed by Europe with 14.8 million ha, South America with 8 million ha, Asia with 6.1 million ha, North America with 3.2 million ha, and finally Africa with 2.1 million ha.

However, India has the most considerable number of registered organic producers – a whopping 835,000. Sounds like a big number? The organic industry is expanding every year and is expected to generate over $60 billion usd by the end of this year (2022).

The reason for this rapid growth is that more and more people in different countries are opting for this type of food.

If we look at the 2016 American market, we can see that organic food has reached a staggering $38.9 billion in organic food retail sales. These numbers are showing that the production (and consumption) of organic products is on the rise, which is actually great news!

What About the Consumers?

Many people are living a fast-paced lifestyle, and this means that they spend much time planning their meals or doing workouts. This type of unhealthy eating regime can have a detrimental effect on our health.

According to stats, 57% of children are well on their way to being obese due to the consumption of unhealthy foods and foods that contain empty calories.

Fortunately, this trend is declining as 51% of parents opt for healthier foods, and they are even willing to pay 3-4% more for organic food to create healthier eating habits for their young ones.

An increasing number of people are becoming aware of the hazardous effects of food additives and supplements that may cause numerous health disorders. According to a survey conducted in France, about 70,000 people who consumed organic foods had 25% fewer cancer diagnosis than the ones who consumed conventional food.

Considering these facts, organic food consumption is expected to increase in the coming years.

Quality-Price Ratio

The production of organic food requires compliance with certain regulations that vary from country to country. Organic food refers to foods that are not genetically modified, not treated with pesticides and growth factors, and that are grown on land that doesn’t contain chemical substances such as artificial fertilizers.

You must have wondered how organic production manages to sustain itself. The secret is in prevention. Organic producers put a lot of time, resources, and effort to create the end product we find in the markets. That reflects a lot on the price. Organic food is 7.5% more expensive on average than non-organic.

The reason for this is that, despite the thorough preventative measures, organic food is more affected by various diseases and pollutants. That said, producers could lose their entire annual organic food production and end up losing substantial amounts of money.

That said, organic food is more expensive than conventional. However, if you decided to go organic, there are ways you can buy this type of food at a more affordable price. Here’s how:

  • buy directly from the manufacturer
  • compare prices
  • buy seasonal food
  • obtain membership in a community-supported agricultural farm or CSA.

Bottom Line

All of this considered, conventional food may not be a cheaper option than organic food. Why? Because good health is invaluable. So if it means that we must spend a couple of extra bucks to get rid of lousy eating habits, we’d say, go for it! For the Silo, Tarun Reddy.

Finance

There Are New Forms Of Money On The Horizon

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Take a look at these transactional trends to see how you might be spending your money in the future.

What does the future hold for the way we pay?

Paying for your purchases used to be to the most straightforward task around, you’d exchange your coins with the cashier and in return you’d receive your goods. Simple. But today, a modest transaction can involve some serious tech.

Whilst everything in the world seems to be making a switch to digital, money is no exception. Gone are the days of signing signatures, punching in pins and certainly, counting coins, but the advancements show no sign of stopping. As contactless method currently seems to offer the most convenient method of payment – it begs the question of what could possibly come next.

The use of physical cash is dwindling as more and more options become available to consumers.

Consider how the Corona virus lock downs have also affected the use of physical cash:  businesses and retail either favor interac and credit cards or outright refuse the use of cash transactions. Look to the infographic below for three of the most prominent examples of the way our spending habits are currently evolving.  For the Silo, Danielle Mowbray /creditangel.co.uk

Future of spending with digital money

Sci-Tech

How Technology Will Shape Teaching In The Future

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In the past decade and a half cellphones have evolved from contraptions you make calls from to devices that do so much more. Now they can help you organize your social life, perform your banking and act as a food diary. There’s an app to be found that is based on your entire existence!

With tablets being commonly used in schools, and the fact that ICT is a relatively new subject, technology is changing the way students are being taught.

In this piece, we’ll provide a comprehensive guide of how technology will shape the future of education and what students will be studying and using in years to come.

From making use of 3D printers, to using virtual reality as part of an immersive learning experience, the possibilities are endless!

So what are you waiting for? Take that first step to get ahead in the future by having a sneak peek in this infographic from our friends at educationcity.com.

Culture

Hospital Visits Becoming More Like Costly Airport Visits

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From a technological point of view there is nothing wrong with the way our hospitals have changed over the past thirty years but what about from the viewpoint of a person? A real, honest to gosh person. The hospital calls these folks patients or family members/visitors, but I think they must have a secret name for them too: consumers.

Let’s be honest- There is little in the way of real consumer value in our hospitals. Even before you set foot, cane or wheelchair through the front door you have to find somewhere to leave your vehicle. And just like an airport- parking costs are typically fifteen dollars a day. And what about that once staple of stand-up comedy topics- crappy hospital food? If it isn’t anymore, there certainly was a time when hospital cafeteria meals- just like airline meals- were cultural icons. In the hospitals I have visited recently, the cafeteria is slowly but surely being turned into something else…..monitors ready to dull your brain and feed you big corp.

On Monday I spent several hours at Brantford General Hospital’s C Wing. For most of that time, I’d only been on two floors and I’d already found two Tim Horton’s counters- complete counters mind you, not just a kiosk window offering a paper cup of coffee but something offering full breakfast sandwiches and lunch menu items. So why would anyone want to visit the hospital cafeteria? And if they did would they even be successful in finding the cafeteria? I could not find a sign pointing the way but Tim Horton’s were instantly visible and both perched in prime retail positions directly at or near an outside entrance. Starbucks take note.

While I was enjoying my double – double I discovered that my wifi usb stick did not work in the MRI waiting area. I moved around to no avail. I decided to let my laptop search for a public access node and I was successful in discovering that the hospital offers public internet access. With a credit card, a patient or a family member can spend upwards of $22.54 for one week of internet access or $11.24 for one day or part of a day. I was beginning to feel like a consumer. (note: these costs from September 2011)

Visiting is getting expensive.

If I need to complete work duties while I’m waiting for a hospital appointment or waiting to visit a patient, I’ve already spent 15$ on parking, $1.60 on a coffee and $11.24 for internet access. That’s $27.84 and there’s still lunch to consider if things are delayed. I decide to give up on the world wide web and look instead for something to read. Then I realize that there isn’t any reading material. Not a Maclean’s, National Geographic or even a Reader’s Digest. Instead there are two screen monitors broadcasting CP24 news , ticker tapes and car commercials into each waiting area. Not exactly the most calming environment.  I stand up and walk twenty feet towards x-ray waiting area 1. There is a small mass of people sitting and staring at the side-by-side flat screen monitors. From my perspective it is terrifyingly cold and stark. It is a scene from Orwell’s 1984 and I want to shake each one of them and tell them to stop. I want to tell them to pull out their corporate i.v. but I come to my senses. (this is only television after all right?) These people love t.v. The patient beside me whisper’s “t.v. keeps everyone’s mind off of their hospital stay”.  For the Silo, Jarrod Barker. 

 

 

Sci-Tech

The Best Inventions Of 2017

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These are real inventions: self healing concrete…airport sleeping pods…DIY drones and that’s just for starters. So much incredible technology and cool imagination at work. Watch this video and tell us below which is your favorite by using our live video uplink from your smart device.

Best Inventions 2017
Click me to play!

[vidrack align=”center” ext_id=”345″ desc=”some description”]

Culture

How To Start An eCommerce Business

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More than half of the world’s population made an online eCommerce purchase in 2016, and these numbers are only expected to increase.

This means establishing an online presence is more crucial than ever if you want to keep up with the competition, continue to expand your brand, and generate more annual revenue.

Luckily, we are here to show you how to start a successful eCommerce business, so that you can begin attracting, converting, and retaining loyal customers in no time.

1. Choose a Business Name

After deciding what you want to sell, you’ll need to choose a business name that will withstand the test of time. Make it easy to remember, relatable to your target audience, and personal – to give your business an edge against the competition.

2. Register a Domain Name and Build a Website

eCommerce Domain Name Example WalMart

Typically, people aim to use their business name as their domain name. However, if that’s not possible, register a domain name that is at least compatible.

At the same time you are registering your domain name, you should be considering the platform you want to build your eCommerce site on. There are plenty of options including Shopify, which is an all-in-one solution, or other more customizable options such as WooCommerce (which is built on the WordPress CMS).

3. Find Products

You will need products to sell in your eCommerce shop. And sometimes, this can be a challenging process because startups can be expensive.

However, for those looking for an affordable way to get an eCommerce shop up and running, there is always the dropshipping method.

With dropshipping services you can find products you would like to include on your eCommerce shop and import them directly.

 

The Dropship Model for eCommerce

From there, customers purchase those products, you place an order with a third-party supplier, and they ship the item straight to your customer.

The dropshipping method is popular because it eliminates the need to stock and deliver inventory yourself.

4. Marketing & Retargeting

It is not enough to have an online presence. You need to invest some time into marketing your brand so your target audience learns you exist.

eCommerce Marketing and Retargeting

Here are some great ideas to get you started:

  • Create a “Coming Soon” page
  • Build landing pages leading site visitors down your sales funnel
  • Build an email list to stay in touch with customers
  • Publish consistent blog content to engage customers and build product interest
  • Utilize multiple social media platforms to interact with customers and share information

In addition, you will need to work on a concept called retargeting. This means finding ways to encourage those that visited your online shop, but didn’t buy anything¸ to come back and make a purchase after all.

Reasons for ecommerce online cart abandonment

According to Kissmetrics, the number one reason people abandon their shopping cart is unexpected shipping costs. Make sure to address all of the reasons people fail to finalize purchases and urge them to come back and try again.

Final Thoughts

In the end, starting an eCommerce shop is relatively easy to do. There are plenty of services and tools available to guide you through the process and make the startup process easier. As a result, you are able to focus on the important things, like getting customers to visit your shop and make purchases. For the Silo, Dimitry Karloff.

Featured image – https://pixabay.com/en/ecommerce-shopping-credit-card-2607114/

Fashion

New Fashion Via Global Electronic Commerce Platform AliExpress

1 Comment

Based in Hangzou, China, AliExpress  is a global e-commerce platform made up of small business sellers offering a wide variety of consumer products worldwide. This growing platform already has (at the time of this writing) over 3 million likes on Facebook. An impressive number that speaks to the desirability of products on hand.

What makes AliExpress unique is the cellular nature of its structure. Many small businesses looking for a safe harbor are connected together and operate under the umbrella support of the larger corporate structure. Is this the ‘best of both worlds?’ We think it’s an interesting model and worth paying attention to. After all, a smaller company no longer has to struggle to develop an online identity or spend valuable resources designing and implementing a shopping ap. Yep- AliExpress has a pretty cool Ap that allows you to shop from Facebook and beyond…

Here’s a look at some of its Fashion small business sellers- Did you find something you like?

SheIn SheIn

Sci-Tech

WatchBox App By Govberg Curates And Helps Source Watches

2 Comments

In 2016, consumers spent an estimated $14.3 USD billion on gifts for Father’s Day alone, not to mention billions more on gifts for other occasions like birthdays and winter holidays. Traditional “guy gifts” include things like power tools and sporting event tickets. However, if you’re looking for a quintessential men’s gift that’s truly timeless, then you may want to turn to the WatchBox by Govberg app for an assist with what to get for the deserving dudes in your life.

This apt app serves as a resource for locating the exact gift-able watch he’s sure to love. Or, if you also enjoy beautiful timepieces, then this app can help you discover what’s currently available in the marketplace. Whether for yourself or as a gift for another, WatchBox by Govberg is an elegant and streamlined way to curate collection-worthy watches—something the folks behind this app know a great deal about. Established a century ago, Govberg Jewelers is a premier purveyor of luxury timepieces, known for their unrivaled offerings that include limited-production models by leading watchmakers; an extensive pre-owned inventory; and decidedly service-minded industry experts.

The app offers several different features a true timepiece enthusiast will find useful. This includes access to up-to-date news from the watch world. This information is gathered in real-time from all over the globe, aggregating and delivering articles and video reviews from a myriad of popular blogs and magazines devoted to Swiss watches, including all of the industry’s leading brands.

Users can also discover the worth of different watches. Whether you want to sell a watch, buy a new or pre-owned model, make a trade, or are just curious about what a new or used (secondary market) watch you own is currently selling for, the WatchBox by Govberg app boasts pricing tools like a database packed with information on over 80,000 watch models. This includes a 12-month price history for each. With this foundational and in-depth knowledge base, you can intelligently buy, sell, and trade luxury timepieces and generally communicate with other users—or even Govberg’s own watch buying experts—right from the app.

Danny Govberg

The advent of this app’s secondary market watch pricing tools, in particular, is significant. According to Danny Govberg, CEO of Govberg Jewelers, “Prior to the WatchBox by Govberg app, dialogue about the value of pre-owned watches wasn’t addressed elsewhere in a consistent, transparent manner; nor was it designed to support and educate the consumer. While manufacturers establish MSRPs for primary (new) watches, there was no resource, no Kelley Blue Book or Zillow, for the pre-owned, or secondary, market watch category to help consumers feel at ease.  That changes with this app…For the first time in the watch category, Govberg is providing transparency into what pieces trade for on the secondary, or pre-owned, market.”

Quite fascinating is the proprietary algorithm the app uses to estimate and compute market value. Govberg explains, “It evaluates historical and active sales records spanning the secondary market–online sales platforms, auction sales and Govberg’s own data. The data represents final sales to end users, and is not an appraisal nor offer to buy, but rather an educated starting point to assess the secondary market value of a particular model. All pricing makes assumptions on the quality, service history and completeness of a timepiece with original box and paperwork. The data strength takes into account the number of data points captured, the variability of the prices seen on the secondary market, how current the data is and the quality of the source/vendor within the market.”


Impressively, this app will even store information and photos of your existing watch collection. This can be a useful tool to keep up with warranties, service history and to maintain a record for insurance purposes. Also of practical use, you can even schedule watch maintenance and repairs from within the app.

According to Govberg, “As more customers see watch ownership less about having a time-telling device and more as a hobby for collecting the world’s most intricate instruments, WatchBox by Govberg supports the growing watch enthusiast with instant access to valuable information so he can make the best decisions to begin, grow, trade or sell his collection.”

Relative to gift-giving, instead of spending hours upon hours hunting for an idea in general—or for a specific timepiece—that the recipient might like, you can simply turn to this easy-to-use tech. You’ll save time, money and the guesswork often involved in finding the perfect present for those “special someones.”

Govberg perhaps summarizes the usefulness of this technology best, noting, “Whether you want to keep up on the latest industry news and product releases, manage your watch collection for social sharing or insurance purposes, or buy, sell or trade a new or pre-owned watch, WatchBox by Govberg is the ultimate toolbox for today’s watch collector.”

The free WatchBox by Govberg app is available for download for iOS devices on the App Store and Android devices in the Play Store.

For The Silo, By Merilee Kern, ‘The Luxe List’ Executive Editor.

As the Executive Editor and Producer of “The Luxe List,” Merilee Kern is an internationally-regarded consumer product trends expert and hospitality industry voice of authority–a travel, dining, leisure and lifestyle expert who spotlights noteworthy marketplace innovations, change makers, movers and shakers. She identifies and reports on exemplary travel destinations and experiences, extraordinary events and newsworthy products and services across all categories. Reach her online at www.TheLuxeList.com, on Twitter at www.Twitter.com/LuxeListEditor, on Facebook at www.Facebook.com/TheLuxeList and on Instagram at www.Instagram.com/LuxeListReviews.


***Some or all of the accommodations(s), experience(s), item(s) and/or service(s) detailed above may have been provided or sponsored at no cost to accommodate this review, but all opinions expressed are entirely those of Merilee Kern and have not been influenced in any way.***

Sources:


https://nrf.com/media/press-releases/fathers-day-spending-reach-record-high-143-billion

Featured image & all photos courtesy of  Govberg Watches.

Fashion

Q And A With Self Made Millionaire And Luxury Sommelier Noel Shu

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For the high end market, there are often many different brands of similar products and services vying for attention. What are some effective ways luxury consumers can stay abreast of the newest, highest quality products and services?

This can actually be the done the good ol’ fashioned way and that’s simply to read a lot. Everything that you can possibly be looking for, think you might be looking for or not even know you’re looking for is on the Internet. Every day when I wake up, I spend a good 30 minutes and go through literally everything while I’m drinking my coffee—from international news to gossip to anything I can find that’s different from what I read before. People are out there doing everything they can to appease the people.

You are a member of a network called, “The Billionaires Club.”  What are some of the luxury brands you and your inner circle are paying attention to and what draws these brands apart?

I would say these days quite a few people have moved away from just so called “big purchases.” Everything is now more about personal touches. For instance, many people own a Rolex, Audemars Piguet or Hublot. More often than not, some of these are one out of however many but how many people really have something that’s one of kind? Not too many. The other point is that the watch may suit you but it doesn’t reflect your own personality, likes and dislikes. So what’s actually becoming quite popular is engraving one’s watches. I’ve seen some crazy designs that really add some character to a person’s wrist such as koi fish, skull heads and zodiac signs.

So back to the main question and one particular brand that has stood out is Golden Concept. Again, it’s all about personal touches these days and being unique. Golden Concept specializes in luxury cases for your phone. They have gold, snakeskin and gator cases just to name a few. All done to the highest of quality and many are customizable. So if you’re looking to stand out, make sure to check them out.

Another brand which has seen quite a bit of press and accolades is JetSmarter, one of the more successful private aviation companies. For many entrepreneurs, meetings take place in different cities, different continents and in different time zones. JetSmarter offers these services in an easy-to-maneuver application that makes flying private relatively affordable and easy.

World’s most expensive ‘whatever’: click me

What are the top three luxury items or brands that have captivated your own attention right now?

Right now there are three top brands that are top-of-mind for me right now. These are Emperada Cigar Humidor by Imperiali Geneve; Astonomia Tourbillion by Jacob & Co; and Bentley EXP 10 Speed 6 Concept car.

Not everyone can afford luxury brands. What would you suggest for those who have the desire to appear high end but not necessarily the means?

There’s actually been a lot of hype surrounding brands that cater specifically to people who enjoy the “finer things” but are limited by what’s in their wallet. Many bloggers, for instance, are always writing about the newest gadget, accessory or clothing. I would recommend finding a few that fit your style and follow them on Instagram to see what it is that they’re rocking on a day to day basis. Many people have to understand that your average blogger is there to inform the public on some of the newest fashion do’s and don’ts, and these are all done with new brands or affordable pre-existing brands.

Second, which I have seen quite a bit, is on Kickstarter or similar sites that are always offering “perks” for those who invest early in their brands. Without naming names, a few brands offered a discounted handmade Italian leather, skeleton movement watches for a fraction of the cost to the first “so many” number of investors.

Just keep in mind for everything high-end there is always a cheaper counterpart. Don’t worry just about name brand or high end. All that matters is that it looks good and makes you feel great.

For those who focus on products that are affordable luxury, who are some of the brands doing the best and what are the keys to success?

One of the biggest and most successful brands that I have seen that caters more towards the everyday luxury is Tory Burch. Although TB is for women, I have on many occasions bought it for family, friends and clients so I can safely say I have quite a bit of exposure to this brand and can thus speak with some confidence. Obviously, price point for TB is well within the means of many. Besides that, what is it that has led TB to such success? I would say three main factors: relate-ability, professionalism and seamlessness. Relate-ability in that walking through the concrete jungle that is New York, TB products have always caught my eye in their simplicity but also how stylish it is, whether on a working woman running into Starbucks or that beautiful lady going to brunch. Second, professionalism – although many brands always stress the attentiveness of the staff, it pales in comparison to TB. People have to understand that often times upper tier luxury items are for a certain group and employees are naturally prejudiced to people who they perceive not to be at that level. There have been times where I would walk into a Rolex store unattended for 15 minutes and the instant my AP peaks out from under my shirt, someone is there to help. This just doesn’t happen at TB and for that I am quite appreciative. Seamlessness in TB’s product, in that it offers just the right amount “je ne sais quoi.” Most of their products can be matched with a variety of other brands. This has all led to the tremendous success that TB has experienced over these past few years.

What are the top three factors that truly set an ultra-premium wine, champagne or spirit brand apart from less costly luxury beverage counterparts, wine and otherwise?

Marketing wine for the luxury market is a really tough job to do. Quite frankly it’s because you’re trying to appease a group of people who have seen it all. People always say when you do something for long enough, whether you want to or not you will become a bit of a connoisseur. That’s especially true for those in the wine industry. Most are well educated, well informed and have a true passion towards exploring the finer points of what’s in a wine bottle. If we were to say that all wines in the luxury market were of the same caliber, there would still be so many factors in play, the first being accessibility and quantity. Many luxury wines are such because there is a limited supply. You can’t expect a brand to sell at the same price point when there are only 10,000 bottles as compared to 100,000 bottles. However, although there are still 10,000 bottles that were produced, that doesn’t mean your everyday Joe would be able to get his hands on them even if he’s willing to dish out the necessary cash. Thus, there’s another added premium to an already sky high price.

Another example is time and care. For those who are only there to turn a quick profit, the longer time they spend on making a wine, the more money that needs to be invested. That in itself increases cost and decreases profit. This is why sometimes you have wineries that will actually keep the wine in their cellars for years after bottling to ensure that the wine has at least matured to a passable level. By care, I mean winemakers are very passionate about their craft and thus hate having their name associated with sub-par wine. Thus, you have some years where there is little to no wine produced by a certain grower because only a small amount of the grapes harvested passed the standard or none at all.

Never one to rest on his laurels and even amid a diversity of endeavors, Shu continues to raise the bar for himself professionally and personally. Whether it be as an active investor looking for the latest innovation in the luxury and tech space or, despite his jam-packed schedule, his current pursuit of an Ivy League Master’s degree at Columbia University. Clearly this good life connoisseur turned luxe market mogul will continue making an impact on the numerous high-end industries for many years to come. For the Silo, Merilee Kern. Merilee is an influential media voice and lauded communications strategist.

 

Art

Art Of Painting With Camera Focus At Hurban Vortex Exhibit In Cannes

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hurban-vortex-boris-wilenskyIf you could choose just one photo exhibit to see all year, it would have to be Hurban Vortex in Cannes.
Often, photography is the visual equivalent of telling a one-word story, expressed through an immediately comprehensible image. In contrast, Parisian photographer Boris Wilensky takes you on a journey through time, space, and humanity. His photos are true documentaries which require time to contemplate, and listen to. Yes, listen to, not just look at. Because all of his work tells a powerful, juxtaposing story. A story of humans in cruel, all-consuming urban environments… facing challenges beyond their control… surviving in harsh conditions… A story that is already written but that is reinvented every time you look at the image.

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Boris Wilensky’s current exhibition Hurban Vortex at the Suquet des Art(iste)s in Cannes opened on December 9 last year, featuring a selection of 30 of his works. Much has been said and written about it, and him, since, so no further biographical introduction is needed. And what really shaped his life, are locations rather than dates – Israel and Palestine, Tokyo, Fukushima, and Cambodia.
An emotional trip to Israel and Palestine in 2005 left a big impression on the idealistic young man, and he started keeping and publishing travel journals to share his impressions. At some point he began illustrating those with photos. Meanwhile he kept working as a photographer in entertainment and sports.
In 2008, a café in Paris offered him space to display his photos. Thinking to himself, “This is a great opportunity… probably the only one I’ll ever have to exhibit”, he went for it. It was a success, and the impetus to turn his passion into a profession.

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A visit to Tokyo in 2009 would prove to be the pathway into that professional career as an art photographer. The swirling, frenzied city of dazzling lights around the clock inspired him to find a way to capture the craziness of the megalopolis and the loneliness of its citizens … and he found a way to do so by superimposing two photos taken in the Tokyo subway, of the train and its travelers. It turned out so well that this type of photography would soon become his signature.

On his next visit to Japan – and in fact to Fukushima, just one month after the 2011 reactor catastrophe there – he found a country that had profoundly changed. The Japanese were beginning to awaken to the consequences of boundless, unchecked use of nuclear energy. As a consequence, the garish lights all over town were dimmed, and the mood had become much more somber and sober.

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This was when the Hurban Vortex project started taking shape in the artist’s mind. “Hurban Vortex is an urban adventure with a big H”, he explains, the constant game between the concepts of humanity and urbanity, extending into notions of modernity and identity, future, sustainable development, ecology and economy. The City, symbolizing Progress and Modernity, in constant growth, now become a “megalopolis”, or a “City-world”, a space built by humans to live in but one that eats them up in return.

For this project, and forever drawn to Asia, Boris Wilensky returns to Tokyo, Shanghai and Bangkok to take as many “photographic backgrounds” as possible. Then he tours Cambodia for two months, the stark contrast to the other cities’ modernity. Here he immerses himself fully in the ancient Khmer culture, taking portraits of men, women and children. Many of those faces bear silent witness to the horrors of the Khmer Rouge regime, and yet retain pride and dignity that speaks of inner strength.

originsOver 15,000 photos later, Hurban Vortex sees the light of day. The ensemble of artistic, esthetic and human adventure are at the core of the triptych that represents his works: Origins corresponds to 2009 (present), the period of an oblivious, profligate, consumerism-driven world. Collapse takes us into 2011 (future)…Fukushima, with its worldwide impact. The glasses and gas masks worn by the humans represent the man-made destruction of a world as we had known it before and which will never be the same. And in Post we find ourselves in an urban landscape filled with waste and shattered ruins. But people are no longer wearing their blinders… Maybe there is hope after all that cities may disappear but humans are still around? Or does the urban jungle always win in the end? You decide, because it is your personal interpretation, after an intense dialogue with the image… exactly what Boris Wilensky wants.

origins2What the viewer sees, is how this artist sees the world – not in the literal but figurative sense. But he does not dictate, he suggests. He considers himself a storytelling portraitist first and foremost, and an urban photographer second. As you look at his large-size pictures (180 x 120 cm), the image in front of you transforms from a flat canvas to a three-dimensional scenography. You are drawn in, pulled onto a stage, you become part of the performance, an actor engaged in a dialogue. You are the person across from the man in the photo, but you also become him, turning outward to the viewer.

origins3The continuous movement – the vortex – pushes and pulls you as the borders between Human and Urban blur and become Hurban. There are violently cold and anonymous city landscapes, consisting of monochromatic and starkly geometric patterns, entirely unlike anything you find in nature. But the human element, superimposed, invariably bestows them with a strangely appealing aesthetic. For the Silo, Natja Igney. This article originates at Riviera-buzz. Banner diptych image Boris Wilensky- concept by Jarrod Barker.

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Culture

eBay Canada Set Sights On Kijiji Shoppers With Test Integration Project

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Back in 2017, eBay Canada and Kijiji Canada launched a test to bring increased visibility to Canadian eBay inventory: eBay listings for certain items located in Canada were integrated into search results on Kijiji – the #1 classifieds site in the country. Kijiji buyers were given the opportunity to connect with relevant eBay inventory, and eBay sellers were able to gain exposure to Kijiji’s more than 16 million unique monthly visitors.

Listing Ads Served Within Listing Ads

This inventory integration project was part of ongoing global efforts to create synergies across eBay Inc.’s businesses.

Canadian eBay sellers were asked to keep the following in mind regarding the inventory integration test:

#1. It was a test. We were adjusting listing integration parameters based on a variety of criteria – including Kijiji buyer behaviour and eBay listing performance – to ensure we are delivering the best possible experience for eBay sellers and Kijiji buyers. This test would evolve based on our learnings.

#2. The test was small-scale. Only one or two eBay items were shown in any given Kijiji result set, and only for selected searches.

#3. eBay sellers did not need to do anything at the time. eBay listings for inventory located in Canada were automatically made eligible for exposure in Kijiji search results. There was no opt-in process required; there were no additional fees required; and there were no account settings that needed to be adjusted.

Fast forward to today- if you are a Kijiji Canada user you may be surprised by how many eBay ads are now served as the test is now a permanent fixture. For the Silo, Russ Patterson, COO and Director of Product Management, eBay Canada.

Supplemental- Collectibles market has been hit hard.

Mr. Thrifter: eBay vs craigslist vs kijiji vs Amazon – Where should I sell my stuff?

Art

Emerging China Wine Market Impacts USA, Canada and Global Wine Markets

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It’s no secret that luxury brands have thrived in China in recent years amid a population increasingly oriented toward high-end consumer goods like fashion, jewelry and automobiles—and the elevated social status such items confer. Today, the Chinese population is immersed in a new love affair: with grape-based wine!  According to internationally-renowned sommelier, Noel Shu, China is about to be known producing quality wine bringing the region on par with other wine producing regions such as Napa Valley and Sonoma in California.
A self-made entrepreneur who serves as Managing Partner for ultra-luxe wine and spirits purveyor, Prodiguer Brands Shu recently launched his new book, China Through a Glass of Wine, to provide the most in-depth understanding of the wine marketplace to date and an extensive analysis of the modern Chinese wine industry, revealing a delicate interplay between commerce, the government and the consumer.
emerging-china-wine-market-book-cover-isbnInternational-renowned sommelier, Noel Shu, provides in-depth look at the modern Chinese wine industry and guides us through the misty vineyards and crowded wineries of China.
Following the tradition of great traveling sommeliers, his no-holds-barred journey through China’s emerging wine culture is part ethnography, travel guide, tasting guide, cross-cultural examination and snapshot of the Chinese wine trade and consumer culture at large.
China Through a Glass of Wine also includes insightful interviews with key industry movers and shakers, including China’s largest wine importer and distribution company as well as boutique and unique chateaus across the region, revealing what wine making in present-day China is really like.

Casual wine enthusiasts and travelers as well as serious collectors and globally-minded investors will appreciate the accurate portrayal of China “through a glass of wine.” For the Silo, Trina Kaye.

About the Author
Internationally-regarded sommelier Noel Shu, Managing Partner for the ultra-luxe, award-winning wine and spirits purveyor Prodiguer Brands, is a 24-year-old self-made millionaire, entrepreneur and author of the newly released title, “China Through a Glass of Wine.”  With impeccable panache and style, Shu, has already accomplished more than many do in an entire lifetime. He earned his undergraduate at West Point, completed the U.S. Army’s elite and grueling Combat Diver Qualification Course at the Special Forces Underwater Operations School (regarded by many Soldiers as the toughest military school to endure), and has personally designed and sold extraordinary multi-million dollar timepieces and necklaces to China’s elite through his ancillary, highly successful luxury jewelry business.  Always striving to for growth and self-improvement and with a reverence for continuing education, despite his busy schedule Shu is currently pursuing an Ivy League Master’s degree at Columbia University. As a globally-minded business practitioner, Shu understands commerce on both sides of the Pacific and brings that expertise to bear with his various ventures, including the highly anticipated upcoming release of “Regale”—an exclusive wine brand expressly developed for the Chinese marketplace, which will be exported to the region in early 2016.  For more information about Noel Shu, visit www.prodiguerbrands.com.

 

Culture

Ontario Intro’s Online Alcohol Sales And Delivery Via LCBO.COM

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Ontario is offering a new and convenient way to buy alcohol products by introducing online sales through LCBO.com.

Order beer with your iphone & open it when it is delivered with your iphone case!
Order beer with your iphone & open it when it is delivered with your iphone case!

Starting today, LCBO consumers can buy online up to 5,000 different products from across Canada and 85 other countries. Customers can choose to have their order sent to an LCBO store of their choosing for pick up, free of charge, or choose to have it delivered directly to their home, anywhere in Ontario.

Ontario beverage alcohol producers will have access to greater “virtual” shelf space, which increases their reach to consumers who may not always have access to their product in their local store. This is the government’s latest step to expand options for buying alcohol, including the sale of beer in grocery stores last December, cider this June and the arrival of wine this fall.

Today’s e-commerce launch strengthens LCBO’s ability to generate revenue for Ontarians and continue to fund key public services such as health care and education.

Ontario is expanding access responsibly. In partnership with Canada Post, the LCBO will ensure that online orders are only handled by and delivered to adults of legal drinking age. Ontario is also developing a comprehensive alcohol policy to support the safe and responsible consumption of alcohol.

Supporting more choice and convenience for consumers, while improving opportunities for businesses, is part of the government’s economic plan to build Ontario up and deliver on its number-one priority to grow the economy and create jobs. The four-part plan includes helping more people get and create the jobs of the future by expanding access to high-quality college and university education. The plan is making the largest infrastructure investment in hospitals, schools, roads, bridges and transit in Ontario’s history and is investing in a low-carbon economy driven by innovative, high-growth, export-oriented businesses. The plan is also helping working Ontarians achieve a more secure retirement.

QUOTES

“This exciting launch of LCBO.com gives consumers greater choice and convenience while increasing opportunities for Ontario’s dynamic beverage alcohol producers. LCBO’s new e-commerce platform will continue to maintain a high standard of socially responsible distribution, while helping Ontario’s wine, beer and spirits businesses grow and create good, well-paying jobs in communities throughout Ontario.”
— Charles Sousa, Minister of Finance

George Soleas
George Soleas

“Online shopping at LCBO.com enables us to offer a convenient customer experience in a changing marketplace. This e-commerce platform draws on our local and international supplier relationships and buying power, efficient supply chain and extensive store network– bringing our customers across Ontario better access to a world of products. This new virtual LCBO store is a natural extension of our in store shopping experience.— George Soleas, President and CEO, LCBO

QUICK FACTS

§  Up to 5,000 individual products are now available online, including exclusives beyond the LCBO’s current catalogue. The total could grow to more than 16,000 over time.

§  Consumers can have Canada Post deliver products securely and responsibly directly to their home anywhere in Ontario for $12 per order plus tax. They can also have them shipped free for pickup at any of the LCBO’s 655 stores. A $50 minimum applies to online orders.

§  The LCBO had another record year in 2015–16, with sales of $5.57 billion, up 6.8 per cent year over year. It paid a dividend of $1.935 billion to Ontario, an increase of $130 million.

§  Ontario Premier Kathleen Wynne, Québec Premier Philippe Couillard and British Columbia Premier Christy Clark recently committed to greater choice, convenience and expanded access to wines produced in their provinces through online ordering.

§  The Premier’s Advisory Council on Government Assets stated in its final report that it strongly supports the LCBO’s e-commerce launch because it will improve consumer choice.

LEARN MORE

§  The LCBO’s news release and backgrounder on online sales

§  The LCBO’s commitment to responsible retailing and consumption

§  Ontario’s programs supporting responsible consumption of beverage alcohol

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Disponible en français

L’Ontario lance un service de vente en ligne via LCBO.com

Des produits du Canada et de 85 autres pays au bout des doigts du consommateur

NOUVELLES

L’Ontario offre un moyen nouveau et pratique d’acheter des produits alcoolisés en offrant un service de vente en ligne via LCBO.com.

À compter d’aujourd’hui, les clients de la LCBO pourront acheter en ligne jusqu’à 5 000 produits du Canada et de 85 autres pays. Ils pourront faire livrer leur commande à un magasin de la LCBO sans frais, ou encore directement à leur domicile n’importe où en Ontario.

Les producteurs ontariens de produits alcoolisés auront accès à des rayons « virtuels » plus vastes, ce qui leur permettra d’atteindre des consommateurs qui ne trouvent pas toujours leurs produits dans le magasin de leur quartier. Il s’agit de la toute dernière mesure prise par le gouvernement pour élargir les options en matière d’achat de produits alcoolisés, qui comprennent la vente dans les épiceries de bière depuis décembre dernier, de cidre depuis ce mois de juin et de vin à compter de l’automne prochain.

Le lancement du service de vente en ligne renforce la capacité de la LCBO de générer des revenus pour la population de l’Ontario et de continuer à financer les services publics clés, dont les soins de santé et l’éducation.

L’Ontario élargit l’accès de façon responsable. La LCBO s’associe à Postes Canada pour s’assurer que les commandes en ligne sont traitées et livrées par des adultes en âge légal de boire. De plus, l’Ontario établit une politique détaillée en matière d’alcool pour appuyer la consommation sûre et responsable d’alcool.

Offrir plus de choix et de commodité aux consommateurs, tout en améliorant les possibilités pour les entreprises fait partie du plan économique du gouvernement, qui vise à favoriser l’essor de l’Ontario et à concrétiser sa principale priorité, à savoir stimuler l’économie et créer des emplois. Ce plan en quatre volets consiste notamment à aider plus de gens à obtenir et à créer les emplois de l’avenir en élargissant l’accès à des études collégiales et universitaires de haute qualité. De plus, le plan permet le plus important investissement de l’histoire de l’Ontario dans l’infrastructure des hôpitaux, des écoles, des routes, des ponts et des transports en commun et investit dans une économie sobre en carbone guidée par des entreprises innovatrices, à forte croissance et axées sur l’exportation. Enfin, le plan aide la population ontarienne active à bénéficier d’une retraite plus sure.

CITATION

« Le lancement de LCBO.com est un événement réjouissant qui donne aux consommateurs plus de choix et de commodité tout en accroissant les possibilités pour les producteurs dynamiques de boissons alcoolisées de notre province. La nouvelle plateforme de vente en ligne de la LCBO maintiendra une norme élevée de distribution socialement responsable, tout en aidant les producteurs ontariens de vin, de bière et de spiritueux à prendre de l’expansion et à créer de bons emplois bien rémunérés dans toute la province. »

— Charles Sousa, ministre des Finances

« LCBO.com nous permet d’offrir aux consommateurs un service de vente en ligne pratique sur un marché en évolution. Cette plateforme tire parti des relations que nous entretenons avec nos fournisseurs locaux et internationaux, de notre pouvoir d’achat, de notre chaîne d’approvisionnement efficace et de notre vaste réseau de magasins, afin d’offrir aux consommateurs ontariens un meilleur accès à une myriade de produits. Ce nouveau magasin virtuel de la LCBO est un prolongement naturel de l’expérience que nous offrons dans nos magasins. »

— George Soleas, président-directeur général, LCBO

EN BREF

·         Jusqu’à 5 000 produits individuels sont maintenant offerts en ligne, y compris des articles exclusifs ne figurant pas dans le catalogue actuel de la LCBO. À terme, le total pourrait atteindre plus de 16 000 produits.

·         Les consommateurs peuvent faire se livrer les produits de façon fiable et responsable par Postes Canada directement à leur domicile, n’importe où en Ontario, au coût de 12 $ la commande plus la taxe. Ils peuvent aussi recevoir leur commande sans frais dans l’un des 655 magasins de la LCBO. Un minimum de 50 $ s’applique aux commandes en ligne.

·         2015-2016 a été une nouvelle année record pour la LCBO qui a enregistré des ventes de 5,57 milliards de dollars, soit une augmentation de 6,8 % d’une année sur l’autre. Elle a versé un dividende de 1,935 milliard de dollars à l’Ontario, ce qui représente une hausse de 130 millions de dollars.

·         Kathleen Wynne, première ministre de l’Ontario, Philippe Couillard, premier ministre du Québec, et Christy Clark, première ministre de la Colombie-Britannique, se sont récemment engagés à offrir plus de choix et de commodité ainsi qu’un meilleur accès aux vins produits dans leurs provinces grâce au service de commande en ligne.

·         Dans son rapport final, le Conseil consultatif de la première ministre pour la gestion des biens provinciaux a indiqué qu’il appuyait vivement le lancement du service de vente en ligne de la LCBO parce qu’il offrira plus de choix au consommateur.

POUR EN SAVOIR PLUS

§  Communiqué et document d’information de la LCBO concernant le service de vente en ligne

§  Engagement de la LCBO envers un service de vente au détail et une consommation responsables

§  Programmes de l’Ontario favorisant la consommation responsable d’alcool

Fashion

Absolutely Fabulous Infographic Celebrates Release Of Movie

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The release of the new Absolutely Fabulous movie is set for this month, and here from our friends at The Rug Seller we’re really looking forward to it. Like Edina and Patsy, we appreciate the finer things in life – one of our newest collections for 2016 is the Christian Lacroix range, one of Eddy’s favourite fashion designers. This infographic takes a look at the most outrageous outfits from the famous series, the characters’ favourite designers as well as some of the funniest quotes from the series – Saffron can always be relied on to come up with some memorable insults. There’s also some facts that you may not have known about Ab Fab. For the Silo, Georgia Davies.

Absolutely Fabulous Fashion InfographicDon’t be fooled- this might seem like a commercial but it’s a trailer 😉

Watch the latest movie trailers via our friends at  Tribute.ca

 

Vintage

Chinese Newspaper Baskets

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Surprisingly sturdy and functional wastebaskets

Okay I admit it, newspapers are dead. But maybe in China they aren’t. Or are.  Because in a local bargain shop I discovered a cache of wastebaskets in three different sizes made entirely out of newspapers: Chinese newspapers to be exact.  And that started me thinking.

It seems probable that in China, or somewhere near there, an active recycling program is taking place. Instead of shredding or burning them for landfill, some sort of manufacturing facility is turning clean, bright and seemingly unread newspapers into functional everyday objects. Does this mean that the newspaper industry is suffering in China? Is there a surplus of printed newspapers? Are more Chinese people getting their news from digital media than print? Who can say. My phone calls to the Chinese embassy consulate in Toronto about these pressing issues were not returned.

The irony of wastebaskets made out of, well, waste, is not (ahem) wasted on me.

These products are powerful “green” metaphors produced in one of the most polluting nations on the planet. The industrialization of China is full steam ahead and damn the torpedoes. Consumer goods? They want everything we have, so it’s hard to claim any moral high ground. Anyway, there is an environmental statement here, intended or not. I’m just not sure what it is.

On the other hand, they are just really fun and handy wastebaskets that feel great when you pick them up by their long, soft handles. I kind of want one.

Supplemental:

In Jennifer Baichwal’s film Manufacturing Landscapes, about Canadian photographer Edward Burtynsky, we learn there are whole towns in China dedicated to breaking down and “smelting” the useable metals out of discarded electronics. When you choose to buy a new DVD player because it’s cheaper than repairing your old one, this is likely where your old one goes. Apparently you can smell these towns a mile off. The Chinese government sure knows a thing or two about recycling. But what would it cost to do this kind of metal recovery safely? What would it cost to make baskets out of the millions of unread, discarded and obsolete print newspapers in Canada?

Politics

Why Ontarians Continue Having Trouble Paying For Electricity

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high electricity bills

[See Comments at the end of this article for updates Ed.] “All my pension goes to pay my electricity” – constituent.     With Ontario boasting the highest energy prices in North America, quite honestly I don’t know how some people get by. When people bring their electricity bills into my office, it provides a line-by-line window on just how difficult it has become to pay the bills.

Recently I met with a couple who live in a modest 790 square foot house – they heat with one electric space heater, have been wearing heavy sweaters all winter and are doing absolutely everything they can to keep costs down. But their hydro bill for January was $641.67 — $233.89 of which was delivery charge. During the meeting I was told: “All my pension goes to pay my electricity.”

Nowadays if you can’t afford your electricity, in many cases, you don’t have the option of paying interest or getting caught up later – your service is simply shut off. To have service reconnected is often hundreds of dollars. If someone can’t afford their bills in the first place how will they ever be able to pay exorbitant fees for reconnection? Apart from closing down cheap coal generation, there are many reasons why hydro has skyrocketed.

For example, the Feed-in-Tariff (FIT) Program pays out massive subsidies for wind and solar contracts to produce power we don’t need. This continues to drive up the cost of electricity which rose by 26 per cent between 2008 and 2010 – projected to rise another 46 per cent by the end of this year. The FIT Program, with its overly-generous payments, will cost taxpayers $4.4 billion more than the previous Standard Offer Program. Wind generators operate at 28 per cent capacity and their output is out of phase with electricity demand during certain times of the day.

You can’t store electricity, so we pay the U.S. and Quebec to take the surplus power off our hands. We’ve paid them $1.8 billion over the past six years. Their industries use this cheap power to compete even harder with our manufacturers, and so the downward spiral continues.

If you’re a large user, look for the words ‘Global Adjustment’ on your hydro bill. Simply put, Global Adjustment covers the spread between market price and guaranteed price paid to generators, plus the cost of paying standby natural gas plants not to produce electricity, as well as paying for conservation programs. One North Bay manufacturer had a Global Adjustment — nonexistent on their 2009 hydro bills — of $1,700 on their electricity charge of $1,400 for that month. The Global Adjustment is expected to increase tenfold, from $700 million in 2006 to $8.1 billion in 2014. This will certainly cause more Ontario manufacturers to close up shop and move to cheaper locales.

Also, watch for the Smart Meter charges to hit home. The computer system cost $250 million, and the bill is now due.

Let’s not forget the cancellation of the Oakville power plant and cancelling, demolishing and relocating the Mississauga power plant. These cancellations were nothing more than political ‘seat savers’ for the last election and will cost taxpayers $1.1 billion.

Click Me!

In many ways the Green Energy Act  put the desires of the renewable power industry ahead of the needs of people and Ontario businesses – a perfect formula for killing jobs and crippling consumers. For the Silo, MPP Toby Barrett

DID YOU KNOW?- Norfolk Power (and in fact all Ontario Municipal power companies to the best of our knowledge-CP) has a 13 days past due policy for Service Termination Proceedings. Even small “ma and pa” businesses provide 30 day terms and even 60-90day terms before sending out Collection Letters or Warning Letters. We contacted Norfolk Power and were told that “it’s standard policy- set by Ontario’s Energy Board”. Hmmm- that sounded like a standard “sub-standard” explanation to us, so a bit of research showed that the Ontario Energy Board is a self-regulated, internally filled board that sounds impartial but is anything but- in fact we were unable to determine exactly who or how board positions are filled, never a good sign for impartiality. If you decide to call them at 416 481 1967 be ready for one of the most confusing answering services you will ever find. Messages prompt you with a never ending supply of websites and telephone numbers- finally if you are persistent enough you will be asked to “press 9” to consent for your personal information to be gathered, recorded and used by the Ontario Energy Board- not exactly consumer friendly. I suppose you could always speak with one of the Public Information Officer but then they will refer you to media relations. You won’t be transferred (we were told they aren’t allowed to) so keep a document open and handy- 416 544 5171 and then the process begins again only this time you are immediately connected with an answering machine asking for your credentials.  *sigh Fifteen minutes later from when we started our initial inquiry we realized we might as well be prospecting for dare we say it “oil”. [Update- Many Municipal aka “County” Hydro companies including Norfolk Power have sold their electricity services to Hydro One but have held onto their Water services. Ontarians will now receive a separate bill for Water and a separate bill for electricity. Perhaps more confusing, in Spring of 2015 Ontario announced that it would sell 15% of its Hydro One holdings in an IPO plan that will eventually sell off another 45% in order to raise money for debt repayment, transportation and infrastructure programs. Targeted buyers would be Canada’s largest pension plans. http://www.bloomberg.com/news/articles/2015-04-16/ontario-to-sell-15-of-hydro-one-one-of-biggest-ipos Ed. ]

If you have the brain power – take a look at this excerpt from the Energy Board’s website- listing (in broad terms) changes to Ontario’s energy act- which ultimately affects consumers in Ontario and their payment and use of energy:

1907-1959
The Natural Gas and Oil Wells Act marked the Province’s early concern for the proper management of its energy resources – a concern that evolved through the Natural Gas Act of 1918, the Natural Gas Conservation Act of 1921 and the Ontario Fuel Board Act of 1954.

1960-1998
The Ontario Energy Board Act, 1960 created the Ontario Energy Board (OEB) as a successor to the Ontario Fuel Board. The OEB was authorized to set just and reasonable rates for the sale and storage of gas and to make orders granting leave to construct pipelines for the transmission of oil or gas to expropriate land for oil or gas pipes.The Ontario Energy Act, 1964 clarified certain powers of the OEB and strengthened the sections dealing with gas storage. An amendment to this Act in  1965 set out the ground rules for the OEB in determining the rate base of gas utilities and giving the OEB power to make regulations prescribing a uniform system of accounts for gas companies.On June 7, 1973, the Premier announced the establishment of the Ministry of Energy which would include the OEB. Further amendments were made to the Ontario Energy Board Act which included provisions for the appointment of additional board members and making the OEB responsible for annual reviews of rate and rate-related matters of Ontario Hydro.In the late 1960s and early 1970s, the oil crisis developed in the Middle East, causing natural gas prices to soar. Ontario Hydro turned to nuclear generation and the public became conservation conscious. During that time, the Board decided on hundreds of natural gas applications and conducted major reviews of Ontario Hydro rates.

1998
The mandate of the Board changed significantly with the passage of the Energy Competition Act, 1998 (ECA)  The ultimate goal of the ECA was the creation of a competitive market in the electricity and natural gas industries.To achieve the goal of creating a competitive market in the electricity industry, the former Ontario Hydro monopoly was replaced by several business entities including two distinct commercial companies, Ontario Power Generation (OPG) and Hydro One Inc., and one Crown corporation, the Independent Electricity Market Operator, now known as the Independent Electricity System Operator (IESO). OPG has taken responsibility for the generation of electricity while Hydro One owns and maintains transmission and distribution wires. The IESO manages the province’s electricity system and operates the wholesale electricity market.  The OEB had varying degrees of regulatory authority over all three corporations as well as the province’s municipal electric utilities.The OEB became responsible for regulating local distribution companies and  for ensuring that the distribution companies fulfill their obligations to connect and serve their customers. The OEB also became responsible for licensing certain participants in the market.  The OEB regulated all market participants in the province’s natural gas and electricity industries and it provided advice on energy matters referred to it by the Minister of Energy and/or the Minister of Natural Resources.

2002
On May 1, 2002, Ontario’s new electricity market opened. The new market was the culmination of over five years of work by the electricity industry, government, the OEB, the IESO and many other market participants. The generation of electricity became a competitive activity, with electricity bought and sold on the new spot market at competitive prices. The IESO successfully began operating the wholesale market.Over the summer of 2002, record-high temperatures drove up the demand for electricity as well as the market price, which resulted in considerable consumer concern. In response, the government introduced the Electricity Pricing, Conservation and Supply  Act, 2002. This legislation, which received Royal Assent on December 9, 2002, capped the price of electricity at 4.3 cents per kilowatt hour for residential, small-business and other designated low-volume consumers, effective May 1, 2002 to May 1, 2006. This legislation also provided refunds, retroactive to May 1, 2002, to compensate those consumers for any costs in excess of the 4.3-cent cap.All transmission and distribution rates were frozen at existing levels until at least May 1, 2006. Utilities were required to receive written approval from the Minister of Energy before any application for rate changes could be submitted to the OEB. This legislation also deemed any interim rate order to be final. In addition, the new legislation modified the OEB’s objectives in the areas of energy efficiency and conservation with respect to both natural gas and electricity from “facilitating” to “promoting.”

2003
Proclaimed on August 1, 2003, the Ontario Energy Board Consumer Protection and Governance Act, 2003, established the new OEB as a self-financing crown corporation and gave the OEB the opportunity to do its work more efficiently and effectively. In particular, the legislation provided for a management committee to manage the activities of the OEB. The legislation further enhanced the OEB’s role in protecting and educating energy consumers.In December 2003, the government introduced the Ontario Energy Board Amendment Act (Electricity Pricing), 2003, which put in place a new interim electricity pricing structure, replacing the 4.3 cent per kilowatt hour (kWh) price cap as of April 1, 2004. Under the interim structure, residential, low-volume and other designated consumers paid 4.7 cents per kWh for the first 750 kWh consumed per month, and 5.5 cents per kWh for consumption above that level.The Act called on the OEB to develop a new electricity pricing mechanism. It also charged the OEB with the responsibility to protect and renew Ontario’s electricity grid by ensuring reasonable charges for the delivery of electricity.The legislation also required the OEB to allow local distribution companies to recoup costs (called “regulatory assets”), the recovery of which had been put on hold in 2002 by the Electricity Pricing, Conservation and Supply Act, 2002. These recoveries would be spread over a four-year period so that they would have only a modest impact on the final price to consumers.

2004
In June 2004, the Government of Ontario proposed a restructuring of the province’s electricity sector in order to encourage new electricity supply, energy conservation and stable prices at a level reflecting the true cost of electricity.The Electricity Restructuring Act, 2004, received Royal Assent on December 9, 2004. The new legislation amended the Ontario Energy Board Act, 1998, and the Electricity Act, 1998.The OEB became responsible for developing a transparent mechanism for establishing electricity commodity prices for eligible consumers who have not signed contracts with electricity retailers. The Regulated Price Plan, which took effect May 1, 2005, replaced the interim two-tier pricing of 4.7 cents per kilowatt hour (¢/kWh) and 5.5 ¢/kWh hour that had been in place since April 2004.The OEB also assumed responsibility for the Market Surveillance Panel, previously the responsibility of the IESO.A new agency, the Ontario Power Authority (OPA), was established to ensure an adequate, reliable and secure supply of electricity in Ontario for the medium and long term. The OEB was given the duty of approving the OPA’s fees and its integrated power system plan and procurement process. The OEB is also responsible for licensing the OPA.

2009
The Green Energy and Green Economy Act, 2009 received Royal Assent on May 14, 2009.  Among other things, the legislation amended the Ontario Energy Board Act, 1998 and the Electricity Act, 1998.  It established important responsibilities for the OEB and other entities in achieving the objectives of conservation, promotion of renewable generation, and technological innovation through the smart grid.The OEB’s three new objectives are:

  1. The promotion of renewable energy, including the timely connection of renewable energy projects to transmission and distribution systems;
  2. The promotion of conservation and demand management; and
  3. The facilitation of the implementation of a smart grid.

The OEB has an important role to play in ensuring the government’s objectives in the legislation are achieved. That includes ensuring that electricity distributors meet the requirements for renewable generation connection, smart grid implementation and conservation and demand management.

2010
In 2010, Ontario passed the Energy Consumer Protection Act, that would ensure Ontarians have the information they need about electricity contracts and bills, as well as the comfort of knowing they can rely on fair business practices. The new rules come into effect in January 2011.

Silo reader “Jack” sent us this scan of his hydro bill- over 500$ for two months of service for a small 2 Bedroom basement apartment. Notice that he was unable to pay his bill on time due to the fact that his bill accounted for almost 50% of his rent.

The first bill was $237 and the next month was even higher at almost 300$ for a single months worth of hydro service CP
The first bill was $237 and the next month was even higher at almost 300$ for a single month of hydro.

Culture

Money Buys Happiness If You Give It Away

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“All of us could invest part of our ‘fortune,’ great or small, on something that gives back on a deeper human level, such as non-predatory loans to individuals from impoverished communities,” Tim McCarthy
“All of us could invest part of our ‘fortune,’ great or small, on something that gives back on a deeper human level, such as non-predatory loans to individuals from impoverished communities,” Tim McCarthy

North Americans are still choosing to hold onto their money these days, a lesson learned from the 2008-09 financial crash.

It’s good to have savings – but not to the point of hoarding, says entrepreneur and philanthropist Tim McCarthy, author of “Empty Abundance”.

Citizens in the United States of America are saving at a rate of 5.30 percent, well above the record low of 0.80 percent in 2005, according to the U.S. Bureau of Economic Analysis.

The world’s billionaires are holding an average of $600 million each in cash, which is more than the gross domestic product of Dominica, according to the new Billionaire Census from Wealth-X and UBS. That’s up from $60 million the previous year, signaling that the very wealthy are keeping their money on the sidelines and waiting for an optimal investment time.

McCarthy diverts all of his business profits annually to his foundation, The Business of Good, which invests in socially conscious businesses and scalable nonprofit concepts.

The Business of Good Foundation

He reviews what everyone has to gain from mindful giving.

•  Money buys you happiness – up to $75,000 worth. Life satisfaction rises with income, but everyday happiness – another measure of well-being – changes little once a person earns $75,000 per year, according to a 2010 Princeton study. Another widely published survey by psychologist Roy Baumeister suggested that “happiness, or immediate fulfillment, is largely irrelevant to meaningfulness.” In other words, so many who finally achieve financial excess are unfulfilled by the rewards that come with that.

•  Remember the wealth disconnection to overall fulfillment. A Gallup survey conducted in 132 countries found that people in wealthy countries rate themselves higher in happiness than those in poor countries. However, 95 percent of those surveyed in poverty-stricken countries such as Ethiopia, Kyrgyzstan and Sierra Leone reported leading meaningful lives, while less than 60 percent reported the same in wealthier countries.

“While more investigation to wealth, happiness and well-being is certainly in order, I think it’s clear that while money is important, it cannot buy purpose, significance or overall satisfaction,” McCarthy says.

•  Giving money reliably equals happy money. Two behavioral scientists, Elizabeth Dunn and Michael Norton, explore in their recent book, “Happy Money: The Science of Smarter Spending,” what makes people engage in “prosocial behavior” – including charitable contributions, buying gifts and volunteering time. According to Dunn and Norton, recent research on happiness indicates that the most satisfying way of using money is to invest in others.

In 2010, multi-billionaires Warren Buffet and Bill and Melinda Gates co-founded The Giving Pledge, a long-term charitable effort that asks the wealthiest among us to commit to giving more than half of their fortunes to philanthropy. Among the first to join, Michael R. Bloomberg wrote in his pledge letter: “If you want to do something for your children and show how much you love them, the single best thing – by far – is to support organizations that will create a better world for them and their children.”  To date, 115 of our country’s 495 billionaires have pledged.

•  Anhedonia, amnesia and the fallacy of consumption. Anhedonia is the inability to enjoy activities that are typically found pleasurable.

“After making my wealth, I found that I suffered from anhedonia,” McCarthy says. “Mindful giving – intelligent and conscious giving to those who need it – turned out to be my best therapy.”

Everybody has experienced the limits of consumption, the economic law of diminishing returns. One cookie is nice and so, too, is your first $1 million. But at some point, your ability to enjoy eating cookies or earning millions diminishes more with each successive one.

“Everyone learns this lesson, yet the horror is that so many of us succeed in forgetting it,” McCarthy says. “I think that, in every moment, we need to remind ourselves that continually reaching for the next ‘cookie’ is not in our best interest.”

About Tim McCarthy

Tim McCarthy’s first business, WorkPlace Media, eventually built a permissioned database of 700,000 gatekeepers who reach more than 70 million employees with incentives for clients such as Coca-Cola, Lenscrafters and McDonalds. He sold the company in 2007 and recently bought it back. 

Culture

CNNMoney- Millennials Saying No To Credit Cards

1 Comment

CNN Money No Credit Cards For Millenials

 

CNNMoney ‏@CNNMoney 13h

Millennials are saying no to credit cards: http://cnnmon.ie/1uFOSGl  via @blakeellis3 pic.twitter.com/T1U8i7OU2I

What some tweeters are saying:

CalBeach ‏@CalBeach 13h

@CNNMoney @blakeellis3 They’re smart to avoid debt.

YmeYnot ‏@YmeYnot2011 13h

@CNNMoney @blakeellis3 Only use charge card when you can pay entire debt completely before you are charged interest.

NETGAINS ‏@Netgains_ 13h

@CNNMoney @blakeellis3 Great info… Thanks for sharing..

Equality=Peace ‏@angrigarisangri 13h

@CNNMoney @CNN @blakeellis3 Yes to #bitcoin!

Glenn ‏@GlennMPR 13h

@CNNMoney @CNN @blakeellis3 Smarter than my generation then.

Pm3marston ‏@Pm3marston 13h

@CNNMoney @CNN @blakeellis3 We know not to be caught in the credit card trap. Only use it as a cash replacement card, not for debt.

Roger Bustos ‏@rogerbgom 13h

@CNNMoney @blakeellis3 like a smart wallet just pass the wallet and charge from your credit or debit just pick with your phone….

BrokenHearted ‏@patientfailure 12h

@CNNMoney @CNN @blakeellis3 Stupid. You’re spending decisions should never change based on your form of payment.

Patrick B ‏@sportbikeguy00 12h

@CNNMoney @CNN @blakeellis3 Credit & debts of any kind should be avoided,my motto is if you can’t pay cash for it,save up or forget it.

mizo ‏@bemelmesre 12h

@CNNMoney @CNN @blakeellis3 Never used a credit card in my life. Only used credit for commercial purposes.

victor ‏@victor_de64 11h

@CNNMoney @CNN @blakeellis3 I’m a baby boomer and cut all mine 19 years ago and never missed them

CynicalPolitico ‏@IndyinTX31 11h

“@CNNMoney: Millennials are saying no to credit cards: http://cnnmon.ie/1uFOSGl  via @blakeellis3 pic.twitter.com/sAw87n1GDt”()

FatNoMore™ Fitness ‏@FNM_Fitness 10h

@CNNMoney @blakeellis3 Either buy cast or use paypal. Credit cards are just a disaster waiting to happen #ParentWillAgree

Andrew Smith ‏@iSmitty12 10h

@DaveRamsey thoughts? “@CNNMoney: Millennials are saying no to credit cards: http://cnnmon.ie/1uFOSGl  via @blakeellis3 pic.twitter.com/kcL0lgMyzP”

Yvonne Moedt ‏@YvonneMoedt 9h

@CNNMoney That’s great!! You never know what’s left or how big your debt is and will never get out once you start. Real paper money #future

Declan Martens ‏@DeclanMartens 9h

@CNNMoney @blakeellis3 hey that’s us! @Malicious_Tea

Zbolts ‏@zbolts 9h

They use mom/dad?! “@CNNMoney: Millennials are saying no to credit cards: http://cnnmon.ie/1uFOSGl  via @blakeellis3 pic.twitter.com/f1jlE2zlAq”

HogsAteMySister ‏@hogsatemysister 9h

@CNNMoney @blakeellis3 Which is easy to do when you still live at home…

Websterwall ‏@Websterwall 8h

@CNNMoney @blakeellis3 It’s true. No card for me. Living within my means

The Epitomy Of An♈️ ‏@ErnieBlanco63 8h

@CNNMoney With the job market being so rocky it’s a smart move.

Stephen Cefalu ‏@Scef2308 7h

@CNNMoney @CNN @blakeellis3 they don’t know how to use a CC to maximize the rewards and cash back. Learn how to use credit.

Jay Brausch ‏@BigDogStar 7h

@CNNMoney @CNN @blakeellis3 One of the smartest things of the new millennium that they can do.

KC Simbeck ‏@kc_simbeck 6h

@CNNMoney I’d like to not have a credit card. But it’s pretty much required for building credit.

Liesel Rickert ‏@le_rickert3 6h

Ive been wanting 1, but can’t decided bc of 2 factors here RT “@CNNMoney: Millennials are saying no to credit cards: http://cnnmon.ie/1uFOSGl ”