Sick of getting hosed by the Bank of Montreal

I’ve been with BMO since I got overwhelmingly annoyed with TD, but it has now reached the point where it is not worth continuing with them. The banks that blew up the global financial system through their own reckless behaviour are now trying to work their way back to gross profitability by raising their fees. Specifically, BMO is raising the amount you need to lend them, interest free, in order to avoid a monthly banking fee from $1,500 to $2,000. This is probably just the first such escalation. Plus, even with that interest-free loan to them, I would often get fees for performing tasks like moving money between my own accounts online ($0.50 a pop, if you go beyond your monthly ‘transaction’ limit).

So, I am going to ditch BMO and give President’s Choice Financial a try. Basic banking is a simple service for me: just somewhere to receive paycheques into and release rent cheques from. All my investing is done elsewhere (partly at ING Direct, which also has a no-fee approach). The fact that PC Financial offers free cheques, free bill payments, and accounts with no monthly fees is alluring enough even before I consider the interest you could earn on $2,000 annually.

[Update: 8 October 2009] I offered BMO the chance to make a deal and avoid losing a customer. On the phone, they told me that only in-branch managers could do that. When I spoke to one today, she said the only option they had was to switch to a cheaper plan (setting $1000 aside) with only ten transactions per month. In the end, she seemed to agree that switching to PC Financial made the most sense, given that they have no fees and there is interest otherwise to be earned on the money BMO wants you to set aside.

Unfortunately, opening a PC Financial account requires either a driver’s license or a passport. I will therefore need to wait for my renewed passport to arrive, before I can do so.

[Update: 25 November 2009] My PC accounts are now fully up and running, and I cashed out and closed my BMO accounts. Surprisingly, the bank didn’t even ask for ID before handing me the bills and closing my account. They did charge me $8 in pro rated service fees for November – probably one of the more expensive $8 the bank ever collected, since I think they spend a lot more than that to attract a customer.

Electric cars in British Columbia

Alison Benjamin in glasses

In 2011, Nissan is planning to launch their LEAF electric vehicle in B.C. The cars have a 160 kilometre range and can be charged to 80% of capacity in 1/2 hour. Unlike a plug-in hybrid, all-electric vehicles like the LEAF are powered entirely by electricity from the grid and cannot use gasoline to extend their range when their batteries give out. This limits their inter-city potential, but could be perfectly compatible with an urban lifestyle, especially as batteries improve and charging stations become more common.

The Nissan-Renault partnership behind the vehicles is the same one that is planning to roll out a fleet in Israel, complete with rapid battery switching stations. From what I have read, it isn’t clear whether the B.C. launch will involve a ‘subscription’ system in the same way as the Israeli one will.

My personal sense is that electric cars will play a major role in future urban transportation. Much as I would like to see private cars pushed out of city centres entirely, the prospects of that happening in most places are poor. Given that, the best we can hope for is making them into lower-carbon entities. Given the many problems associated with large-scale biofuel cultivation, my guess is that their use will be restricted to air travel and niche applications, leaving the bulk of ground transport powered by battery-driven electric motors. Of course, it is key to ensure that those batteries are being charged by low-carbon means like concentrating solar, wind, hydroelectric, and nuclear power.

The Year of the Flood

Electrical warning sign

Margaret Atwood’s The Year of the Flood is a parallel story to her prior novel, Oryx and Crake. Set in two time periods with two narrators, it fills in a bit more of the dystopian world she created: one where the bulk of the horrors presented emerge primarily from the exploitation of genetic engineering and a return to gangsterism and anarchy. Climate change is part of it all, but definitely doesn’t have a prominent role among the causes of human downfall. While the book does expand the reader’s view into that world in interesting ways, it is ultimately less satisfying as a piece of speculative fiction. Nonetheless, it is well worth reading, for those interested in imagining the ways in which humanity might continue to develop.

In some ways, this is a female retelling of the previous story. The two narrators are both women, separated by a generation, and most of the key happenings centre around their treatment as women and engagement with other woman. This world certainly isn’t a pretty one, in that regard, with almost all men as enemies and a terrible lack of personal security for almost anyone. This is a book that will have parents enrolling their daughters in karate lessons and, perhaps, rightly so. Being able to defend yourself is clearly important, when the future is uncertain. At the outset, the two narrators can be somewhat hard to distinguish, but as the book progresses at least one of them develops a distinct and interesting perspective and approach.

The Year of the Flood incorporates many of Atwood’s favourite issues and motifs of late, including sex, debt, religion, corruption, and the nature and corporate manipulation of human desires. Along with being interweaved with Oryx and Crake, this book is connected with Atwood’s recent non-fiction writing on debt. It certainly explores the question of ecological debts and the responsibility of human beings towards nature. In Atwood’s world, humanity has filled the world with splices and custom creatures, while allowing almost all of the planet’s charismatic megafauna – from gorillas to tigers – to become extinct. The God’s Gardeners, the cult the novel focuses on and whose hymns it reproduces, have beautified the environmentalists of the 20th and 21st centuries, despite how their efforts have apparently failed, at least insofar as conserving nature goes. Humanity has certainly been able to endure as an industrial and consumerist society in Atwood’s world, which means they must have learned to be more effective than we are at securing resources sustainably and disposing of wastes likewise.

The novel’s plot involves rather too many improbable meetings – so many as to make Atwood’s fictional world extremely small. People run into members of their small prior groups far too easily, and sometimes make implausible jumps from place to place. In some cases, connections with characters from the previous novel feel trivial and unnecessary. A few of the motivations of the characters are unconvincing. All in all, this book rests against the structure of Oryx and Crake, sometimes adding to it in interesting ways, sometimes stressing the integrity of the amalgamation. The strongest portion of this novel is definitely what it reveals about the dynamics of small community groupings in times of danger. When it comes to broader questions about society and technology, it tends to treat those as already covered or not of enormous interest.

The plausible nature of Atwood’s dystopia remains disturbing. Indeed, it is difficult to imagine some of the elements of these stories not coming to pass within the next few decades. In particular, it seems all but certain that we will use new genetic technologies to go even farther towards exploiting animals, building on the already impressive record modern factory farms have on that front. One prediction I have doubts about – but which is common in science fiction – is the decline of the power and influence of states. Sure, corporations have become powerful; nevertheless, governments push them around easily and frequently when they have a strong reason for doing so. To a considerable extent, corporate power is reflective of the fact that many states find it agreeable to delegate at this time.

Even so, Atwood’s depiction of relative security inside corporate bubbles and relative insecurity outside is one with considerable contemporary relevance, when it comes to the kind of societies and situations in which people find themselves today. The contrast is revealing both in terms of the impact on the lives of those on either side of the divide and in terms of suggesting what kind of political, economic, and military structures exist to maintain the distinctions between outsiders and insiders, safe lives and unsafe ones.

The novel is also disturbing in terms of the acquiescence of aware consumers towards the monstrous things the corporations populating this universe are doing. If people today are mostly happy not to think twice about what is in a Chicken McNugget, would they really go along with the blatant recycling of corpses into food in the future? The degree to which Atwood’s world doesn’t grate too much against our aesthetic expectations is suggestive, in this regard. We now expect corporations to largely get away with whatever they think people will tolerate, and we expect little from one another when it comes to outrage.

All told, the book is an interesting expansion upon Atwood’s previous novel, but it does not match the original in terms of the importance of the message or the crafting of the story. In that sense, it is akin to Orson Scott Card’s Ender’s Shadow: set around the events of his magnificent Ender’s Game, and told from a new perspective. While it provided some pleasing new details for fans of the series, it was an engaging but secondary contribution.

Composting in Ottawa

Ottawa is starting up a citywide composting system, with pick ups every two weeks through the winter:

Starting Monday, and for the next 12 weeks, the city will be delivering 240,000 green bins and small, counter-top kitchen-catchers to households across the city.

The chief environmental advantage cited, reducing landfill usage, is not overly compelling. We have plenty of space for landfills, and they are very tightly regulated. I would be interested in knowing what the other effects of the program will be, if any, on factors like air quality, water quality, and greenhouse gas emissions.

It is interesting to note that the service will no accept ‘biodegradable’ plastics, because the term doesn’t have a standard usage and there is a risk that the compost produced would be contaminated.

The B.C. government’s forcible relocation law

Frog on a log in Mud Lake

In the run-up to the Vancouver Olympics, a law has been proposed in British Columbia that would allow police officers to forcibly transport homeless people to shelters during ‘harsh’ weather. Once they are at the shelters, they will be permitted to leave at their discretion. While it is never desirable for people to be harmed for lack of shelter, this law strikes me as morally and legally problematic. It is certainly seems contrary to section nine of the Canadian Charter of Rights and Freedoms, which provides protection against arbitrary detention and imprisonment. The question then is whether it is ‘saved’ by section one, which allows for the other rights to be subjected “only to such reasonable limits prescribed by law as can be demonstrably justified in a free and democratic society.”

Under the Oakes test, which has become Canada’s standard but unofficial way of interpreting section one of the Charter, there are a number of requirements for allowing a law that violates a section of the Charter from being ‘saved’ by the ‘reasonable limits’ clause in section one. There must be a “pressing and substantial objective” and the means must be “proportional.” More specifically, the means must be “rationally connected to the objective,” involve a “minimal impairment of rights,” and that the law be proportional to the objective. People dying of exposure could certainly be categorized as a pressing and substantial objective, but I am less sure about whether there is a minimal impairment of rights involved. Certainly, the onus must be on those advocating the law to provide a strong argument for why it is constitutional. Such an argument would have to establish clearly that existing powers on the part of emergency services are inadequate to prevent homeless people suffering and dying during extreme weather, that forcible relocation would help, and that the violation of rights is proportional to the benefit.

The law may also be discriminatory insofar as it is meant to apply only to the homeless. Under the law, it seems like police would treat people differently when they came across them in extreme weather, based on whether they have a ‘home’ somewhere. The law would certainly never pass if it also included provisions for police to forcibly take people with homes back to them, if they happened to be out during an extreme weather event.

It is certainly important that shelters be available for the homeless, and that they be able to access them (especially during times of harsh weather). That being said, it is not clear why police should have the power to forcibly transport people. For one thing, the law risks being abused to clean up Vancouver’s image during the Olympics. Vancouver’s problems with drugs and homelessness are certainly something the Olympic organizers would want to keep out of the media. If they did so, however, it would be a shame; it would show that the city is prepared to simply suppress the visibility of enduring problems, rather than making a serious effort to respond to them.

Arguably, most of the problem of homelessness is the product of a weak social safety net, especially in areas like mental health and the treatment of drug addiction. For people who have others who care about them, it is possible to get reasonable assistance with such problems. For people with serious mental issues and nobody to play an assisting role, things must be much more difficult. Authorizing police to round up people who have committed no crime when it is cold and rainy seems more like an awkward cover-up mechanism than like a policy motivated by genuine concern for human welfare.

Are coalitions Canada’s future?

'Folky' shirt and amuses bouches

With consolidation having gone as far as it can on the right, and with continuing weakness within the Liberal Party, Canada doesn’t seem likely to see an end to minority governments soon. In other states where majorities are rare, the most common governing dynamic seems to be that of coalitions, such as you see in Germany and elsewhere. As such, I find it a bit odd that Canadian political parties have been so vociferously opposed to them, with both Harper and Ignatieff renouncing and denouncing them. The alternatives before us seem to be independent minority governments constantly making ad hoc deals to avoid no confidence votes or more durable alliances between major and minor parties. The latter option seems rather more politically mature, even if it will involve changes in how governance in Canada is carried out.

On a separate but related note, the Canadian political process is an exceedingly blunt instrument. Our elections only make it possible to convey a tiny amount of data – which candidate in your riding you prefer – and extrapolate from that the composition of parliament, the selection of the prime minister, and all sorts of assumptions about what Canadians want and what they have rejected. Opinion polls do provide some guidance, though they are not always well designed or interpreted, and they can be easy to manipulate by crafting questions strategically.

While Stephane Dion had some good and genuinely progressive ideas – most notably, shifting taxation from income towards greenhouse gas emissions – there isn’t much inspiring stuff in the current platforms of any of the parties. Given that, perhaps even a coalition government would simply continue to muddle along with some changes in tone, but few in substance. Perhaps if the Liberals showed a bit of courage and took a position on a big issue such as the deficit, an election would be a more meaningful prospect. For instance, given that the deficit is largely the result of the stimulus that was supposedly required to correct for the explosion of the markets, it would seem sensible that corporations should carry most of the burden of paying it off.

Open thread: the future of Afghanistan

It now seems entirely clear that Afghanistan will not become a liberal democratic state as a consequence of the US/NATO intervention. Where once politicians spoke of a conversion akin to those of Germany and Japan after World War II, the highest ambitions now seem to be for a state that is internally coherent, able to defend its borders, and unwilling to play host to Al Qaeda sorts. Gross disrespect for women’s rights, a theological bent to government, and the continued existence of warlords all seem to have become acceptable in the eyes of the interveners, or at least inevitable.

Given that, what should the objectives of those states currently fielding troops there be? Are there any special considerations for Canada? At this point, what would ‘success’ and ‘failure’ look like, and how good and bad would they be for Afghans, Canadians, and the world at large?

The military and Canada’s Arctic

Paint splash on wood

Between August 6th and 28th, the Canadian Forces are staging Operation Nanook up in Canada’s Arctic: a 700-person military exercise that includes sub hunting, search and rescue, and disaster response. The operation highlights both Canada’s general claim in the Arctic region and the specific commitment of this government to asserting it, even if ambitious icebreaker plans have been scaled back.

With the prospect of large ice-free areas in the Arctic likely only decades away, it does seem as though territorial disputes over sovereignty and resources will arise. As a result, military capacity could be important. Ironically, the melting of the ice may provide access to new reserves of oil and gas: further fuelling the destruction of the unique environment north of the Arctic circle.

Andrea on the Vinyl Cafe

My talented friend Andrea Simms-Karp will be on the CBC’s Vinyl Cafe with Stuat Maclean in the next few days:

  • Saturday September 12th – 9am – CBC Radio 2
  • Sunday September 13th – noon – CBC Radio 1
  • Tuesday September 15th – 11pm – CBC Radio 1

I was present at the taping, and I know that the segment will be great fun. Please consider tuning in.

[Update: 1:50pm] The dates above, which were initially wrong, have been corrected.

[Update: 11 September 2009] The Sunday showtime has been corrected.

[Update: 12 September 2009] An mp3 of the show is now available online: VC: September 12th, 2009 “Centennial Mug” with Andrea Simms-Karp.

Why not an election?

It annoys and perplexes me a little when newspapers report the apparent strong unwillingness of Canadians to have an election this fall. Really, having one isn’t such a big burden. For most people, voting takes about half an hour, total. Furthermore, having an election seems far from meaningless when the country is (a) closely balanced in support for the two main parties and (b) designed such that small advantages in voting outcomes can lead to larger disparities in representation, in Parliament. Minorities are unstable things, so it’s not surprising that they might tilt from one side to the other, and it doesn’t seem inappropriate to ask voters if they want that.

Of course, a coalition would be more desirable, in many ways. If Canada’s political system can no longer produce majorities, it is going to need to learn an alternative way of governing.