Lori Loughlin approved to get passport back after serving prison time in college admissions scandal

Lori Loughlin is getting her passport back now that she has completed the prison-term portion of her sentence in the college admissions scandal.

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  • Who have provinces pegged to receive COVID-19 vaccines in the coming weeks?

    As COVID-19 vaccine supplies ramp up across the country, most provinces and territories have released details of who can expect to receive a shot in the coming weeks. Here's a list of their plans to date: Newfoundland and Labrador The province says it is in Phase 1 of its vaccine rollout. Health-care workers on the front lines of the pandemic, staff at long-term care homes, people of "advanced age" and adults in remote or isolated Indigenous communities have priority. Chief medical health officer Dr. Janice Fitzgerald has said Phase 2 will begin in April if vaccine supply remains steady. The second phase prioritizes adults over 60 years old, beginning with those over 80, as well as Indigenous adults, first responders, rotational workers and adults in marginalized populations, such as those experiencing homelessness. Adults between 16 and 59 years old will be vaccinated in the third phase of the rollout, and Fitzgerald has said she expects that to begin this summer. --- Nova Scotia Health officials began expanding access to COVID-19 vaccines on Feb. 22, opening community clinics for people aged 80 years and older. Dr. Robert Strang, chief medical officer of health, has said the province's plan is to open another 10 clinics in March for 48,000 people who will be mailed a letter informing them how to book an appointment. Strang said the vaccination program will then expand to the next age group in descending order until everyone in the province is offered the chance to be immunized. The age groups will proceed in five-year blocks. Future community clinics are to be held March 8 in Halifax, New Minas, Sydney and Truro; March 15 in Antigonish, Halifax and Yarmouth; and March 22 in Amherst, Bridgewater and Dartmouth. The province began its vaccination campaign with residents of long-term care homes, those who work directly with patients, those who are 80 and older, and those who are at risk for other reasons including First Nations and African Nova Scotian communities. Nova Scotia plans to have vaccine available to at least 75 per cent of the population by the end of September 2021. --- Prince Edward Island The province says the first phase of its vaccination drive, currently slated to last until the end of March, targets residents and staff of long-term and community care, as well as health-care workers with direct patient contact at higher risk of COVID-19 exposure. Those 80 and older, adults in Indigenous communities, and truck drivers and other rotational workers are also included. The next phase, which is scheduled to begin in April, will target those above 70 and essential workers. The province intends to make the vaccine available to everyone in late summer and fall. --- New Brunswick The province is also focusing on vaccinating those living in long-term care homes, health-care workers with direct patient contact, adults in First Nations communities and older New Brunswickers in the first phase, which lasts until at least March. The next phase is scheduled to begin in the spring and includes residents and staff of communal settings, other health-care workers including pharmacists, first responders and critical infrastructure employees. The government website says once the vaccine supply is continuous and in large enough quantities, the entire population will be offered the shots. --- Quebec Quebec started vaccinating older seniors on Monday, after a first phase that focused largely on health-care workers, remote communities and long-term care. In Montreal, mass vaccine sites including the Olympic Stadium opened their doors to the public as the province began inoculating seniors who live in the hard-hit city. The government announced last week it would begin booking appointments for those aged 85 and up across the province, but that age limit has since dropped to 70 in some regions, including Montreal. The province says the vaccination of children and pregnant women will be determined based on future studies of vaccine safety and efficacy in those populations. --- Ontario The province began vaccinating people with the highest priority, including those in long-term care, high-risk retirement home residents, certain classes of health-care workers and people who live in congregate care settings. Several regions in Ontario moved ahead Monday with their plans to vaccinate the general public, while others used their own systems to allow residents aged 80 and older to schedule appointments. Toronto also began vaccinating members of its police force Monday after the province identified front-line officers as a priority group. Constables and sergeants who respond to emergency calls where medical assistance may be required are now included in the ongoing first phase of Ontario's vaccine rollout, a spokeswoman for the force said. A day earlier, Toronto said the province expanded the first phase of its vaccination drive to include residents experiencing homelessness. The provincial government has said it aims to begin vaccinating Ontarians aged 80 and older starting the week of March 15, the same day it plans to launch its vaccine booking system, which will offer a service desk and online portal. It has said the vaccine rollout will look different in each of its 34 public health units. When asked about the lack of provincewide cohesion, Health Minister Christine Elliott said that public health units know their regions best and that's why they have been given responsibility to set the pace locally. --- Manitoba Manitoba is starting to vaccinate people in the general population. Appointments are now available for most people aged 94 and up, or 74 and up for First Nations people. Until now, vaccines have been directed to certain groups such as health-care workers and people in personal care homes. Health officials plan to reduce the age minimum, bit by bit, over the coming months. Dr. Joss Reimer, medical lead of the province's vaccine task force, has said inoculations could be open to all adults in the province by August if supplies are steady. --- Saskatchewan The province is still in the first phase of its vaccination rollout, which reserves doses for long-term care residents and staff, health-care workers at elevated risk of COVID-19 exposure, seniors over the age of 70 and anyone 50 or older living in a remote area. In all, nearly 400,000 doses are required to finish this stage. The next phase will be focused on vaccinating the general population by age. It hopes to begin its mass vaccination campaign by April, but there if there isn’t enough supply that could be pushed back to June. Saskatchewan will begin immunizing the general population in 10-year increments, starting with those 60 to 69. Also included in this age group will be people living in emergency shelters, individuals with intellectual disabilities in care homes and people who are medically vulnerable. Police, corrections staff and teachers are among the front-line workers not prioritized for early access to shots. The government says supply is scarce. --- Alberta Alberta is now offering vaccines to anyone born in 1946 or earlier, a group representing some 230,000 people. Appointments are being offered through an online portal and the 811 Health Link phone line. Shots are also being offered to this cohort at more than 100 pharmacies in Calgary, Red Deer and Edmonton starting in early March and the government has said there are also plans to include doctors’ offices. Health Minister Tyler Shandro has said all eligible seniors should have their first shots by the end of March. But he said Monday that the province will not give Oxford-AstraZeneca vaccine to anyone over the age of 65 after the National Advisory Committee on Immunization expressed concerned there is limited data on how well it will work in older populations. The first phase of the vaccine rollout also included anyone over 65 who lives in a First Nations or Metis community, various front-line health care workers, paramedics and emergency medical responders. Phase 2 of the rollout, to begin in April, is to start with those 65 and up, Indigenous people older than 50 and staff and residents of licensed supportive living seniors’ facilities not previously included. --- British Columbia British Columbia will extend the time between the first and second doses of COVID-19 vaccines to four months so all adults could get their initial shot by the end of July. Provincial health officer Dr. Bonnie Henry says evidence from the province and around the world shows protection of at least 90 per cent from the first dose of the Pfizer-BioNTech and Moderna vaccines. The province launched the second phase of its immunization campaign Monday and health authorities will begin contacting residents and staff of independent living centres, those living in seniors' supportive housing as well as homecare support clients and staff. Seniors aged 90 and up can call to make their appointment starting next Monday, followed a week later by those aged 85 and over, and a week after that by those 80 and up. Henry also says first responders and essential workers may be eligible to get vaccinated starting in April as the province also decides on a strategy for the newly authorized AstraZeneca vaccine. --- Nunavut The territory says it expects enough vaccines for 75 per cent of its population over the age of 18. After a COVID-19 vaccine is administered, patients will be tracked to ensure they are properly notified to receive their second dose. Nunavut's priority populations are being vaccinated first. They include residents of shelters, people ages 60 years and up, staff and inmates and correctional facilities, first responders and front-line health-care staff. --- Northwest Territories The Northwest Territories its priority groups — such as people over 60, front-line health workers and those living in remote communities — are being vaccinated The territory says it expects to vaccine the rest of its adult population starting this month. --- Yukon Yukon says it will receive enough vaccine to immunize 75 per cent of its adult population by the end of March. Priority for vaccinations has been given to residents and staff in long-term care homes, group homes and shelters, as well as health-care workers and personal support workers. People over the age of 80 who are not living in long-term care, and those living in rural and remote communities, including Indigenous Peoples, are also on the priority list for shots. --- This report by The Canadian Press was first published March 2, 2021. The Canadian Press

  • George Weston reports fourth-quarter profit down on one-time charges

    TORONTO — George Weston Ltd. reported its fourth-quarter profit fell compared with a year ago as it was hit by one-time charges. The company, which operates through Loblaw, Choice Properties and Weston Foods, says it earned a profit available to common shareholders of $289 million or $1.88 per diluted share for the quarter ended Dec. 31. The result was down from a profit of $433 million or $2.81 per diluted share a year earlier. However, on an adjusted basis, George Weston says it earned $2.03 per diluted share, up from an adjusted profit of $1.69 per diluted share in the fourth quarter of 2019. Revenue for the fourth quarter of 2020, which included 13 weeks, totalled $13.81 billion, up from $12.11 billion a year earlier when George Weston's fourth quarter only had 12 weeks. Analysts on average had expected an adjusted profit of $1.89 per share and $14.06 billion in revenue, according to financial data firm Refinitiv. This report by The Canadian Press was first published March 2, 2021. Companies in this story: (TSX:WN, TSX:L, TSX:CHP.UN) The Canadian Press

  • Provincial police investigating double homicide after two women found in Laurentians home

    Provincial police are investigating a double homicide after two women were found in a home in the Laurentians. The Sureté du Québec responded to a 911 call at around 9:15 p.m. in Sainte-Sophie on Monday, and found both of them with life-threatening injuries, and they were transported to hospital. A 60-year-old woman has since died, and police report that a 28-year-old woman who was initially listed in critical condition has also died. Police say they are from the same family. Provincial police say a car collision in nearby Saint-Jerôme took place at around the time they were called to the Laurentians home. Investigators believe a 33-year-old man who was seriously hurt in that collision is a person of interest. He will be met by investigators as soon as his condition allows it.

  • 6 Dr. Seuss books won't be published for racist images

    BOSTON — Six Dr. Seuss books — including “And to Think That I Saw It on Mulberry Street” and “If I Ran the Zoo” — will stop being published because of racist and insensitive imagery, the business that preserves and protects the author's legacy said Tuesday. “These books portray people in ways that are hurtful and wrong,” Dr. Seuss Enterprises told The Associated Press in a statement that coincided with the late author and illustrator’s birthday. “Ceasing sales of these books is only part of our commitment and our broader plan to ensure Dr. Seuss Enterprises’ catalogue represents and supports all communities and families," it said. The other books affected are “McElligot’s Pool,” “On Beyond Zebra!,” “Scrambled Eggs Super!,” and “The Cat’s Quizzer.” The decision to cease publication and sales of the books was made last year after months of discussion, the company told AP. “Dr. Seuss Enterprises listened and took feedback from our audiences including teachers, academics and specialists in the field as part of our review process. We then worked with a panel of experts, including educators, to review our catalogue of titles," it said. Books by Dr. Seuss — who was born Theodor Seuss Geisel in Springfield, Massachusetts, on March 2, 1904 —- have been translated into dozens of languages as well as in braille and are sold in more than 100 countries. He died in 1991. He remains popular, earning an estimated $33 million before taxes in 2020, up from just $9.5 million five years ago, the company said. Forbes listed him No. 2 on its highest-paid dead celebrities of 2020, behind only the late pop star Michael Jackson. As adored as Dr. Seuss is by millions around the world for the positive values in many of his works, including environmentalism and tolerance, there has been increasing criticism in recent years over the way Blacks, Asians and others are drawn in some of his most beloved children’s books, as well as in his earlier advertising and propaganda illustrations. The National Education Association, which founded Read Across America Day in 1998 and deliberately aligned it with Geisel’s birthday, has for several years deemphasized Seuss and encouraged a more diverse reading list for children. School districts across the country have also moved away from Dr. Seuss, prompting Loudoun County, Virginia, schools just outside Washington, D.C., to douse rumours last month that they were banning the books entirely. “Research in recent years has revealed strong racial undertones in many books written/illustrated by Dr. Seuss,” the school district said in a statement. In 2017, a school librarian in Cambridge, Massachusetts, criticized a gift of 10 Seuss books from first lady Melania Trump, saying many of his works were “steeped in racist propaganda, caricatures, and harmful stereotypes.” In 2018, a Dr. Seuss museum in his hometown of Springfield removed a mural that included an Asian stereotype. “The Cat in the Hat," one of Seuss' most popular books, has received criticism, too, but will continue to be published for now. Dr. Seuss Enterprises, however, said it is “committed to listening and learning and will continue to review our entire portfolio." Numerous other popular children’s series have been criticized in recent years for alleged racism. In the 2007 book, “Should We Burn Babar?,” the author and educator Herbert R. Kohl contended that the “Babar the Elephant” books were celebrations of colonialism because of how the title character leaves the jungle and later returns to “civilize” his fellow animals. One of the books, “Babar’s Travels,” was removed from the shelves of a British library in 2012 because of its alleged stereotypes of Africans. Critics also have faulted the “Curious George” books for their premise of a white man bringing home a monkey from Africa. And Laura Ingalls Wilder’s portrayals of Native Americans in her “Little House On the Prairie” novels have been faulted so often that the American Library Association removed her name in 2018 from a lifetime achievement award it gives out each year. ___ AP National Writer Hillel Italie contributed from New York. Mark Pratt, The Associated Press

  • Google teams up with Allianz, Munich Re to insure its cloud users

    Google is teaming up with two global insurers to cover cyber breaches and related risks for businesses that use its cloud services, the first time a major provider has opened up such insurance to its clients, the companies said on Tuesday. Major insurers have been treading carefully on cyber risks for years, but the tie-up between Google, Allianz and Munich Re gives the insurers special access to data to see what controls are in place at client firms to help them price the risk.

  • Liverpool great Ian St. John dies at 82

    LIVERPOOL, England — Ian St. John, a Liverpool great who scored the winning goal to give the club its first FA Cup title and was a key player in the rebuild under Bill Shankly in the 1960s, has died. He was 82. St. John died Monday following a long illness, his family said in a statement released by Liverpool on Tuesday. St. John, a Scotland international who later fronted the popular British TV show “Saint and Greavsie” alongside another former player, Jimmy Greaves, played 425 games for Liverpool from 1961-71 and scored 118 goals. No goal was more important than the one he scored in extra time to clinch a 2-1 win for Liverpool over Leeds in the 1965 FA Cup final. St. John joined for a club-record fee from Scottish team Motherwell while Liverpool was in the second division and, alongside Ron Yeats, was part of the spine of a team which earned promotion under Shankly then won the English league title in 1964 and '66. Liverpool called St. John a “legend” and described his FA Cup final winner against Leeds as “one of the most iconic goals in Liverpool's history." “One of the players along with Bill Shankly who made this club what it is today,” former Liverpool defender Jamie Carragher wrote on Twitter. St. John, who went on to manage Motherwell and English club Coventry, scored nine goals in 21 appearances for Scotland's national team. “A fantastic guy,” said Steven Gerrard, a former Liverpool midfielder who currently manages Scottish club Rangers. “Really insightful in terms of his career and experience at Liverpool and trying to pass on a lot of knowledge and expertise.” ___ More AP soccer: https://apnews.com/hub/soccer and https://twitter.com/AP_Sports The Associated Press

  • China says door to Xinjiang 'always open', but UN rights boss should not prejudge

    China said on Tuesday that it was discussing a visit to its Xinjiang region by United Nations human rights chief Michelle Bachelet, but that she should not set out with the aim of condemning its policies. Bachelet said on Friday that reports about arbitrary detention, ill-treatment, sexual violence and forced labour in Xinjiang necessitated a thorough and independent assessment of the situation.

  • Police won't charge Australian minister accused of rape

    CANBERRA, Australia — Police on Tuesday ruled out investigating an unnamed Australian Cabinet minister over an allegation that he raped a 16-year-old girl more than 30 years ago. The decision by New South Wales state police adds pressure on Prime Minister Scott Morrison to establish an independent investigation to examine the accusation. The accusation has created a cloud over the 16 men in Morrison’s 22-minister Cabinet and is feeding complaints of a culture within Parliament that is toxic for women. The rape allegation was contained in an anonymous letter sent to the prime minister’s office and to three female lawmakers last week. The 31-page letter contained a statement from a complainant, taken by her lawyer, that detailed her allegation of a rape she said occurred in Sydney in 1988. The minister had not been elected to Parliament at the time. The letter, which included excerpts from her diary and a photograph of her with her alleged rapist from 1988, was forwarded by the lawmakers and Morrison to police. The woman, who has not been named, took her own life in her hometown of Adelaide in June at the age of 49. Morrison on Monday rejected calls to stand the minister down and to establish an inquiry, saying police should investigate. Police, however, said Tuesday that “there is insufficient admissible evidence to proceed.” Morrison said the minister “vigorously and completely denied the allegations.” But the woman’s lawyer, Michael Bradley, and several critics of the government have called for the minister to step down while an independent inquiry investigates the evidence. Nicholas Cowdery, formerly the chief prosecutor in New South Wales, said the allegation needs to be investigated to give voters confidence in the integrity of those governing them. The accused minister should step down, he said. “When something like this emerges, we need to know what is involved in it, does it disqualify that person from occupying that position and what action should be taken,” Cowdrey told Australian Broadcasting Corp. “The only way to do that is to run an investigation — not a criminal investigation, but an investigation with a political context run maybe by someone like a retired judge.” Barnaby Joyce was deputy prime minister when he ran into political strife in 2018 over revelations that he had impregnated a female staffer, who is now his partner, in an extramarital affair. The final straw in Joyce’s leadership of the Nationals party, the junior coalition partner, came when a woman from outside government accused him of sexual harassment. He quit as leader. Joyce, who remains a government lawmaker, said the 1988 rape allegation should be investigated in private, perhaps by a judge. But he added that the accused minister should not step down because such allegations are “a dangerous arrow that can be fired in all sorts of directions for political purposes.” “I was basically jammed out of a job, to be quite frank,” Joyce said of the sexual harassment complaint against him that was lodged with his party but not with police. “It was used as a mechanism to get me out,” he added, referring to his enemies within his party. The accused minister is also under mounting pressure to make his own identity public. Media have reported that he is expected to go public on Wednesday, but will not step aside. The police decision to drop the investigation comes two weeks after Morrison apologized in Parliament to a former government staffer who alleged she was raped by a more senior colleague in a minister’s office two years ago. Brittany Higgins quit her job in January and reactivated her complaint to police after initially not pursuing the case because she felt it would have affected her employment. The colleague, who has not been named publicly, was fired for breaching security by taking Higgins into a minister’s Parliament House office following a night of heavy drinking. The Associated Press does not usually identify alleged victims of sexual assault, but Higgins has chosen to identify herself in the media. The public disclosure has triggered a flurry of complaints about the behaviour of lawmakers and a toxic work culture within Parliament House. Australian Federal Police Commissioner Reece Kershaw said the man whom Higgins accused of rape would be contacted by police “at the appropriate time.” Rod McGuirk, The Associated Press

  • Nurse says she was deemed non-essential by CBSA, as agency seeks to clarify land border rules

    An Amherstburg nurse denied immediate reentry into Canada, despite believing she would have no problem crossing the border as an essential worker, says the federal government and Canadian border officials need to "get on the same page" as concerns continue over how rules at the Canada-U.S. land border are enforced. She's far from alone. Windsor West MP Brian Masse says his office has been flooded with calls from individuals who used to cross the border without issue — but, as of last week, were being denied immediate reentry back home into Canada. "Nurses, engineers, teachers, business owners and workers in social services, for example, are now penalized," Masse said Friday in the House of Commons. "How can people be expected to comply [with the land border rules] when they don't have a definite directive from the minister? This situation needs to be altered." On Friday, CBC News reported that an Ontario man who serves as president of a construction company was fined $3,755 by Canadian border officials after attempting to cross back into Canada through the Windsor-Detroit Tunnel. He was deemed a non-essential traveller last Tuesday after previously crossing the border in the past about once every two weeks with no issue. Following the publication of that story, the Canada Border Services Agency (CBSA) reached back out to CBC News to clarify its enforcement of rules at the land border. According to the agency, its rule regarding frequency of travel (affecting whether or not an individual would be permitted reentry back into Canada without having to meet pre-testing or quarantine requirements) applies only to cross-border workers — and not essential workers. "CBSA officers use all of the information available to them when a traveller is seeking entry into Canada, to determine which set of instructions (exempt or required to quarantine) apply to the traveller," the CBSA said. This means cross-border workers can only enter Canada without having to meet pre-testing and quarantine requirements if they a "normal place of employment" to work and "establish a regular pattern of travel," generally defined as daily or weekly. In practice, this should also mean essential service providers — including health-care workers, truck drivers and law enforcement — are exempt from pre-testing and quarantine requirements when crossing the land border into Canada for work-related reasons. The Canada Border Services Agency says essential service providers, including health care workers, are exempt from pre-testing and quarantine requirements when crossing the border for work-related reasons. However, CBSA says it does not comment on individual cases. But that's not what happened to Kaitlyn Desjardins. Ten days ago, she crossed into the U.S. to attend an orientation session for her new job as a registered nurse at William Beaumont Hospital. On her way back, she said, the CBSA informed her that she was crossing into Canada as a non-essential traveller. Before crossing the border, Desjardins had been told by her new employer that she'd be exempt from pre-testing requirements due to the nature of her work, she added. "I let them know I was a nurse. I gave them my letter of employment. I had all my documents on me. I even had my work visa. It didn't matter. They said that what I was crossing for wasn't essential," she said. Desjardins was pulled into secondary and given two options: drive straight to Toronto without stopping anywhere and quarantine in a Toronto hotel for 14 days or go back into the U.S. and come back to the border crossing with proof of a negative COVID-19 test result. She chose the latter option. "I had to make some arrangements for somewhere to stay and ended up getting a swab in Detroit," said Desjardins, adding she paid $150 US for the test and was unable to return to Canada until the next day. "I think the most important is that everyone gets on the same page. Right now, even still, they're not. I'm hearing so many different things from nurses, CBSA, public health. Everyone is on a different page." As a health-care worker, Desjardins said she understands the importance of keeping people safe. But these current border rules are affecting people's livelihoods. "It's not really a good feeling when you're told you can either drive four hours away without going to pick anything up or you have to go back and not be able to enter Canada." Brian Masse, MP for Windsor West, says his office has fielded calls from nurses, teachers and business owners who have been given trouble at the border while trying to cross back into Canada. In a follow-up statement to CBC News, the CBSA said it does not comment on individual cases.

  • B.C. aims to vaccinate more people sooner by delaying 2nd dose

    British Columbia will delay giving people their second dose of COVID-19 vaccine up to four months in order to vaccinate more people sooner. While some say the decision is ‘risky,’ Dr. Bonnie Henry says data shows people have strong protection for several months after the initial dose.

  • Highway 400 reopen after closure due to whiteout conditions, multi-vehicle crash

    BARRIE, Ont. — Highway 400 has reopened in both directions after bring closed for hours due to whiteout conditions and a series of collisions.Ontario Provincial Police announced the lanes had reopened around 9 p.m. Monday.Police shut down the major artery Monday afternoon from Highway 88 outside of Bradford, Ont., to Mapleview Drive in Barrie, Ont.They said at the time that snow squalls caused whiteout conditions on the highway north of Toronto, leading to limited visibility and dangerous driving conditions.Police later said more than 11 vehicles were involved in a crash.They said "numerous" people were injured but did not provide details of their condition.This report by The Canadian Press was first published March 2, 2021. The Canadian Press

  • Millennial Money: 3 debt strategies for an unequal recovery

    The past year has fractured our world in countless ways. Now, as people look to pick up the pieces, those managing debt need to account for their position in our uneven economic recovery. In this so-called K-shaped recovery, one part of the population is rebounding quickly while another has a longer, slower path. For example, in January the unemployment rate for whites was 5.7%, compared to 8.6% for Hispanics and 9.2% for Black workers and 6.6% for Asians, according to the Bureau of Labor Statistics. Those who remain unemployed or underemployed might continue to rely on debt to get by. Meanwhile, those whose finances have held steady or improved may be primed to wipe out debt. MANAGING DEBT IN THE BOTTOM HALF Some consumers have had no choice but to rack up debt — including unpaid rent or mortgage, credit card debt and overdue utility bills. If this is your situation, focus on basic needs and paying minimums to avoid collections. — PROTECT THE ESSENTIALS: If you’re among the millions of Americans unable to cover your housing costs right now, take advantage of the eviction moratorium and mortgage relief programs now extended through June 30. Keep an eye out for additional benefits in the COVID-19 relief package being discussed in Washington and call 211 to get connected to local assistance for basic needs like food and shelter. Add transportation, internet and cellphone to your priorities list, too, so you can stay connected to friends and family for help and to hunt for work. “All creditors will make it sounds like they’re the most important ones to get paid,” says Amanda Christensen, a financial coach based in Morgan, Utah. “Housing and transportation have to come to the top of that list and take priority.” — IF NEEDED, LOOK FOR CHEAP CREDIT: If you need to add debt to cover your regular expenses, like groceries and utilities, financial coach Vineet Prasad of Fulton, California, suggests finding the cheapest options. “A revolving credit line on your home equity has a much lower APR than a credit card. Another option is a personal loan at a credit union.” To qualify for a HELOC, you’ll generally need equity of at least 15% of your home’s value. And weigh the risks: HELOCs tend to have adjustable interest rates, which can make them more expensive over time, and your house is at risk of foreclosure if you can’t repay the debt. — FOCUS ON LONG-TERM RECOVERY: Once your situation stabilizes, focus on paying down debt and make savings a priority, too. Consider using a debt payoff calculator that can track your debts and monthly payments. And while you may be tempted to throw all your spare income toward debt payoff, having some cash tucked away can help you weather the next financial crisis. Saving even a small percentage of your income helps, Christensen says: “If you’re not saving anything right now, see if you can get in that 1% to 5% range.” MANAGING DEBT IN THE TOP HALF If your finances held steady or improved over 2020, think about how you can take advantage of your situation, whether through charitable giving or using some of your cash to improve your finances. And if you’re focused on reducing debt, the classic payoff playbook works well: First, take stock of what you owe. Consider using a spreadsheet or online debt tracker to organize your balances. Then choose a payoff strategy, like the debt snowball method where you focus on your smallest debt by paying as much on it as you can while paying minimums on the others. Once it’s paid off, roll the amount you were paying on it into the payment for your next largest debt and so on until you’re completely debt-free. Paying off debt can be a long-haul game. To stay focused, Prasad advises finding someone who can serve as a confidant and provide encouragement. “Getting an accountability partner who is good at managing their money generally can be a huge differentiator with actually following through with your plan and the grind of paying it off over time,” he says. ANYONE CAN HAVE OVERWHELMING DEBT Regardless of your income or employment status, you may have too much debt to realistically pay off with a strategy like debt snowball. If all your monthly debt payments, including housing, total more than 50% of your monthly gross income, you may need to look into debt relief, like a debt management plan at a non-profit credit counselling agency or bankruptcy. The goal is to resolve your debt quickly and in a way that sets you up to meet future financial goals. Otherwise, you may spend years funneling money toward insurmountable debt, sacrificing retirement, an emergency fund and other goals. Bankruptcy in particular may be a good option, as it can help you resolve what you owe in a matter of months instead of years. While bankruptcy filings were down 30% in 2020, according to the American Bankruptcy Institute, that may change in 2021 as consumers’ financial pictures begin to stabilize. To make the most of the fresh start bankruptcy offers, don’t wait so long that you can’t even afford the filing fees. Act when you are in a position to improve your financial situation, says bankruptcy attorney Cathy Moran of Redwood City, California. “When you’ve hit the bottom and things are about to get better, that’s when you want to file,” Moran says. _____________________________ This column was provided to The Associated Press by the personal finance website NerdWallet. Sean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. RELATED LINK: NerdWallet: Pay off debt: tools and tips http://bit.ly/nerdwallet-debt-tools-and-tips Sean Pyles Of Nerdwallet, The Associated Press

  • 2021 on track to be one of the busiest years for N.S. film industry

    Nova Scotia's film and TV industry is expecting the 2021 production season to be the busiest in years. While the pandemic has disrupted Hollywood's production pipeline, locales like Nova Scotia that have managed to control the infection rate and continue to produce film and television are appealing. Interest from American streaming companies and broadcasters increased by an estimated 100 per cent in 2020, according to Screen Nova Scotia. "I'd say probably between August and December of 2020, I was on the phone all day long with studios that were wondering what was happening in Nova Scotia," said executive director Laura Mackenzie. She wouldn't disclose which companies inquired about shooting in the province, but said she's heard from all the large U.S. streaming services. Predictable shooting schedule The Stephen King adaptation Chapelwaite, starring Adrian Brody and Emily Hampshire, shot last summer in Halifax, Dartmouth and Cole Harbour, while the new CBC series, Feudal, filmed on the South Shore. Local independent producer Marc Tetreault said it's the predictability of shooting in Nova Scotia during the pandemic that's put the province on the radar of American studios. "If you think about shooting in L.A. or Toronto or New York right now, you don't have any predictability or certainty," he said. "Film is like a really slow-moving train, and once it gets going, it's really hard to stop. And when it does stop, it costs a lot of money to get it going again." Local independent producer Marc Tetreault says quarantine costs are 'a drop in the bucket on a larger show.' He said even halting production for a day, let alone weeks, can be very costly. Tetreault said bigger shows can manage the costs associated with the pandemic, including the two-week quarantine in Nova Scotia, because those costs are quantifiable. "If you're in Nova Scotia, you should be reasonably confident that you should be able to complete your production without a major shutdown or hiccup, and I think that's really attractive to a lot of out-of-town producers," he said. The costs related to the province's quarantine rules are "a drop in the bucket on a larger show," Tetreault added. "What I think it comes down to is convincing the people who are quarantining that they're going to quarantine for two weeks — less so, you know, paying the 200 bucks a night for a hotel," he said. Is N.S. prepared to support productions? The challenge will be providing the infrastructure and support to visiting productions. In 2015, the Stephen McNeil government axed the provincial film tax credit, a 50 to 65 per cent fully refundable corporate income tax credit offered to productions hiring Nova Scotia film personnel. It was eventually replaced with the Production Incentive Fund, which offers a refund to foreign service production of 25 per cent and 26 per cent for local content. It also offers a refund of up to 32 per cent in an all-spend model on any money spent in the province for labour, accommodations and locations. Laura MacKenzie is the executive director of Screen Nova Scotia. That helped make Nova Scotia competitive with other provinces, but the film business still isn't as robust as it was in the tax credit era. "We've had amazing momentum in building our industry here over the past five years," said Mackenzie. "But we did lose quite a few crew members in 2015 when the tax credit was changed. "And so that, alongside with the loss of some production studio spaces, it's put us at a disadvantage because we can't possibly supply the demand." That's why she's putting a call out to any Nova Scotian working elsewhere. "Time to come home. We need you here," she said. Mackenzie also said finding studio space so that out-of-town productions can shoot interior scenes is as much of a challenge this year as finding skilled crew. She's looking for anyone who has comparable warehouse space. Diggstown creator struggling to cast show While it's a challenge to build up enough skilled crew for shows that may be coming to the province, it could also provide opportunity for film workers who are traditionally under-represented on film and TV sets and in front of the camera. Diggstown, a CBC legal drama shot in Dartmouth and Halifax, has also benefited from the American production slowdown — the first two seasons were recently bought by the Fox Network in the U.S. With the third season set to go to camera in April, producer and creator Floyd Kane said he's struggling to cast his show. Floyd Kane is the writer, executive producer and showrunner of Diggstown. Diggstown tells stories from Nova Scotia's Black communities, and Kane said it feels like he's seen and chosen almost every local actor of colour in the province. Now, he has to fly in racialized cast from Toronto or elsewhere, which, for a low-budget TV series, is very expensive. "I came up in the industry in Nova Scotia where I would be the only Black person or person of colour in the room," Kane told CBC Radio's Mainstreet recently. "I want to have more Black people, more people of colour working in our industry. I want to encourage that. The acting piece of this is a huge challenge. Frankly, we've done a very poor job of developing the talent pool [for people of colour] and retaining that pool by there being opportunities to work." Richard Hadley is the Maritime branch representative for ACTRA, the actor's union. He said his organization is very aware of that need. "We are looking at ways to go into those communities and let people know what the opportunities are," said Hadley. "And that is a specific area of our membership that we really want to encourage to grow, absolutely." Richard Hadley is the Maritime branch representative for ACTRA. Mackenzie from Screen Nova Scotia said it's also one of her organization's top priorities to increase diversity behind the camera. The organization has formed a diversity outreach committee to work on a strategy to come up with long-term fixes. While the industry has proven that the health and safety protocols are a draw for service production — shows that come from elsewhere to shoot here — they do still pose a challenge for lower-budgeted local shows, as Kane is finding with Diggstown. 'You will be hired on something' Tetreault said he fully supports the health protocols that are in place to keep Nova Scotians safe, "but they definitely are a hindrance to the local, usually lower budget, independent films." He said paying for supplies such as masks and hand sanitizer, and for the extra set space to allow for physical distancing, can also stretch a local production's limited budget. That said, Tetreault is still planning to make a feature film this year — and he's looking for a crew. "Now's the time," said Tetreault. "Call the unions, get the referral. Figure out what it is you're interested in and you will be hired on something." MORE TOP STORIES

  • Ontario changing child-welfare system to stop teens from aging out of care unprepared

    Unlike many teenagers, Abdoulaye Diakhaby was petrified to turn 18. He had spent the previous four years in the child-welfare system living first in a foster home, then a group home. But at 18, he was forced to be on his own. Diakhaby, who is now 21, says he didn't feel ready; he was still perfecting his English, he didn't know how to cook and needed help with homework. "I was thinking, 'How am I going to be able to do my groceries? How to cook? How to go to school? How to pay my rent? How to get a job?'" he told CBC Toronto. Days after moving into his own place, Diakhaby returned to the group home for a couple of nights to sleep. He was lonely and isolated. Diakhaby says if he could, he'd still be living there, instead of having to make the transition away. "Everything was tough for me," he said. Diakhaby says prior to leaving care at 18, he worried about how he'd buy groceries, cook, get to school, pay rent and find a job.(Evan Mitsui/CBC) Due to the COVID-19 pandemic, the province placed a moratorium on youth aging out of care and has extended it to Sept. 30, 2022. Just under 12,000 children and youth in care CBC News has learned the Ontario government will use the time to redesign how young people leave the system by doing away with the current age cut-off. Instead, provincial officials say they plan to ensure youths feel confident and prepared. According to the province, just under 12,000 children and youth are in the child-welfare system. About half of youths who experience homelessness in Ontario were involved in that system, more than half drop out of high school and 57 per cent rely on social assistance, according to a 2017 report by the now-closed Office of the Provincial Advocate for Children and Youth. Jill Dunlop, the associate minister of children and women's issues, says the government wants children to meet key milestones before they leave care. "We're building a model that's going to work for them," Dunlop said in an interview. "Young people take different paths, but we want to ensure that the supports are there." Under the current system, some young people who leave care are eligible for financial assistance until age 21 and other supports until 24. Still, advocates who have been calling for a readiness-based model say those supports haven't been close to enough. "The system itself was traumatizing and it retraumatized them," said Irwin Elman, Ontario's former — and only — child and youth advocate. "When they left the system, they felt dumped out and as one young person said, 'shoved off the edge of a cliff, alone, with nothing and expected to do well.'" The Ford government cut Elman's position and closed the office in 2018 and moved his responsibilities to the Ombudsman's office. What the new system will look like and how it will work is still being determined. The ministry says it's working with former children in care, advocates and others to design the program. More than 2,500 young people expected to age out by 2022 will be protected by the moratorium, according to Dunlop. New system must give youth a voice, advocates say When Cheyanne Ratnam aged out of care at 18, she took a blanket with her that symbolized a piece of family she knew she was losing. She survived childhood sexual abuse and other trauma before entering the child-welfare system, and says although it was the "lowest low," she was relieved to finally have a safe place to sleep. "I was just so happy to be away from abuse and not really having stability," she said. Ratnam is now the co-founder and president of Ontario Children's Advancement Coalition, which is partnering with the ministry to help develop the new model. She calls it an "ethical system reset" and says the decision on when a youth leaves should include input from designated support people. Ultimately, she says, the people in care should decide when it's time to be on their own. Cheyanne Ratnam was in the child-welfare system and is now the co-founder and president of Ontario Children’s Advancement Coalition, which is partnering with the government to help develop the new model. (Children's Aid Foundation of Canada ) "It should be in a way where young people are supported to make those decisions and not have decisions made for them so they can take ownership of their lives," she said. She also says the new model shouldn't include any sort of age cut-off and young people should be able to return to care if they choose to after leaving. "When you're alone in the community, a lot of trauma gets relived," she said. Ratnam says the child-welfare system funnels young people into homelessness, mental health issues and the justice system, and that the new model should help avoid that and set young people up for success. Conner Lowes, the president and Ontario director of Youth in Care, co-authored a letter to the province calling for a new system to be designed.(Honour Stahl) Ratnam and Conner Lowes, the president and Ontario director of Youth in Care Canada, co-authored a letter in June to the ministry calling for a new system to be designed. Lowes is also working with the province on the new model and says it's imperative it listen to those who experienced the current system. "It sets the precedent for that to be the standard, that the people [the system] is being designed for should be helping to create it," he said. "Because how else can we know what a system should look like if you're not asking the people that you're making the system for?" Support networks vital Shomari Mabayeke was placed in five different foster homes in five years. "It's kind of hard to trust people," he told CBC Toronto. "I'd move again and then it was kind of numbing after that because then I didn't make any new friends." Mabayeke first entered the system at 13 and says some homes were better than others. He aged out five years ago. "My process of coming out of care was more like, 'I just want to be gone. I don't care. Like, this is the worst thing ever,'" he said. Mabayeke says while he felt ready to be on his own at the time, he realizes now he wasn't taught certain skills, such as cooking or financial planning. Shomari Mabayeke looks through a basket of groceries delivered to him by StepsStones for Youth, a charity that helps young people transition out of the child-welfare system.(Angelina King/CBC) "They didn't do anything to prepare us for reality," he said. "You don't really get all the skills that growing up with an actual family and interacting with a loving family would give you." Mabayeke says he received some government assistance while transitioning out of care, but still relies on StepStones for Youth, a charitable organization in Toronto. "I feel like there would have been a really disastrous, chaotic moment if I didn't … use resources," he said. StepsStones helps youths who leave care secure housing, complete education and build support networks based on their interests. Heather O’Keefe, who runs StepStones for Youth, says the biggest challenge young people face when they leave the child-welfare system is not having a support network.(Evan Mitsui/CBC) "They deserve what other young people deserve," executive director Heather O'Keefe said. "They need to have people that care about them and guide them through life choices. And not only people who are paid to care for them, but people who actually genuinely care for them." Diakhaby also receives support from StepStones. He's unemployed right now and says it's been hard finding a job during the pandemic, but would like to be a plumber one day. He recently turned 21 and will soon lose his government financial assistance, but says he'll continue to rely on help and guidance from StepsStones. "They care about me," he said.

  • Polish court acquits activists who put LGBT rainbow on icon

    WARSAW, Poland — A court in Poland on Tuesday acquitted three activists who had been accused of desecration and offending religious feelings for adding the LGBT rainbow to images of a revered Roman Catholic icon. The three women created posters in 2019 that used the rainbows in place of halos in an image of the Virgin Mary and baby Jesus. Their aim was to protest what they considered the hostility of Poland’s influential Catholic Church toward LGBT people. The court in the city of Plock did not find any signs of a crime and also found that the activists were not motivated by a desire to offend anyone’s religious feelings or to insult the image of the Virgin Mary, according to reports in the Polish media. The case of the three women was being watched in Poland as a test of freedom of speech under a deeply conservative government that has been seeking to push back against secularization and liberal views often seen as a foreign imposition. Abortion has been another flashpoint in the country after a top court ruling last year that resulted in a near total ban on abortion. One of the defendants, Elzbieta Podlesna, said when the trial opened in January that the 2019 action in Plock was spurred by an installation at the city’s St. Dominic’s Church that associated LGBT people with crime and sins. The image that they created involved altering Poland’s most-revered icon, the Mother of God of Czestochowa, popularly known as the Black Madonna of Czestochowa. The original has been housed at the Jasna Gora monastery in the city of Czestochowa — Poland's holiest site — since the 14th century. Podlesna told the Onet news portal that the existence of a provision in the penal code "leaves a door open to use it against people who think a bit differently. “I still wonder how the rainbow — a symbol of diversity and tolerance — offends these feelings. I cannot understand it, especially since I am a believer,” Podlesna told Onet. If Podlesna and the other two activists — Anna Prus and Joanna Gzyra-Iskandar — had been found guilty, they could have faced up to two years of prison. An LGBT rights group, Love Does Not Exclude, welcomed the ruling as a “breakthrough." “This is a triumph for the LGBT+ resistance movement in the most homophobic country of the European Union," it said. Podlesna was arrested in an early morning police raid on her apartment in 2019, held for several hours and questioned over the posters of the icon that were placed around Plock. A court later said the detention was unnecessary and ordered damages equaling some $2,000 awarded to her. Because of all the attention the altered icon has received, it is now also a very recognized image in Poland and is sometimes seen at street protests. The Associated Press

  • Fredericton teen's death a reckoning for the province, mental health advocate says

    The death of 16-year-old Lexi Daken last week set off a searing wave of grief across the province. But it has also triggered a reckoning, with mental health experts taking a hard look at a worsening mental health crisis and legal experts saying her death was at least partly brought on by years of government underfunding. Lexi, a Grade 10 student who had previously attempted suicide, was taken to the emergency room at Fredericton's Dr. Everett Chalmers Hospital on Thursday, Feb. 18, by a school guidance counsellor who was concerned about her mental health. She waited for eight hours without receiving any mental health intervention. After she was told by a nurse that calling a psychiatrist would take another two hours, Lexi said later, she left the hospital with a referral for followup. Her mother said no one ever contacted the family. Less than a week later, Lexi died by suicide. In an interview with Information Morning Fredericton on Monday, the executive director at the Canadian Mental Health Association of New Brunswick was overcome with emotion while discussing Lexi's death. Christa Baldwin, executive director of the Canadian Mental Health Association of New Brunswick, said Lexi's death was shattering. "I don’t think I’ve ever cried as much as I have in the past week." 'This has to be the piece that moves us forward' Christa Baldwin noted that last week had started off with the promise of change, with a new mental health action plan, unveiled by Health Minister Dorothy Shephard, "that would allow us to move forward." "But then later in the week, hearing the news about Lexi — it broke our hearts, to be honest. … I don't think I've ever cried as much as I have in the past week." But Lexi's death has also been a turning point, Baldwin said. She noted that Lexi's father, Chris Daken, said in an interview last week that "Lexi's death cannot be in vain." "This has to be a piece that moves us forward .... we can't have this happening to our youth in our province, we can't have this happening to anyone in our province." Baldwin said that resonated with her. "It feels like we have entered a new chapter in this province, building a service that is client-focused, client-centred," she said. "It has ignited a fire within me and within the CMHA to advocate and use our voice to make change happen. We need something to happen for Lexi's family … and for so many other individuals who have died by suicide in this province." The new mental health action plan has put some plans and pilot projects in place, Baldwin said. Those are positive steps, but more needs to be done, she said, noting barriers to service need to be removed and attitudes toward mental health issues need to change. "I think what bothered me most is after eight hours to ask about whether to call a professional to come in to asses Lexi further — if you went in with a broken leg, you would not be asked if someone should be called in to cast your leg," Baldwin said. "We need mental health parity. Mental health is a human right equal to physical health." In an op-ed, lawyer Jody Carr, above, and UNB law professor Kerri Froc say Lexi's death is a violation of her rights under the Canadian Charter of Rights and Freedoms. A violation of Lexi's charter rights, lawyers say It's a point some legal experts are also making. In an op-ed, lawyer Jody Carr and University of New Brunswick law professor Kerri Froc said Lexi's rights under the Canadian Charter of Rights and Freedoms were violated. "Under Section 7 of the charter, 'Everyone has the right to life, liberty and security of the person and the right not to be deprived thereof except in accordance with the principles of fundamental justice,' " Carr and Froc wrote in the op-ed. "Because successive provincial governments have wilfully under-resourced this sector of health care, leading to delays in access to mental health services anchored in the Mental Health Act, violations of New Brunswickers' rights to personal security, and ultimately to life, results. "While it is true that the direct cause of these deaths and injury is self-harm, the Supreme Court of Canada has said that government is responsible for actions that enhance the risk of these violations." Carr and Froc argued that "New Brunswick has a duty to ensure that they can talk to a psychiatrist or psychologist at their and their family's time of greatest need." In an email Monday, Horizon noted it does provide around-the-clock psychiatric services. "Horizon provides emergency psychiatric services 24 hours per day, seven days a week at our regional hospitals," Dr. Edouard Hendriks, vice-president of medical, academic and research affairs at Horizon. "Medical psychiatry staff are available for consultation as required, in collaboration with the on-site care team." Nevertheless, some questions remain unanswered. Horizon did not immediately answer questions about whether it is tracking how often an on-call psychiatrist is called to come in to see a patient, or how often they decline or are unable to do so. It also did not answer questions about why Lexi was told she would face a two-hour wait for a psychiatrist, citing "confidentiality reasons." Pandemic taking deepening toll on mental health Meanwhile, the pandemic's toll on the mental health of almost every demographic in the province continues to deepen, Baldwin said. In the 2019-20 fiscal year, the Canadian Mental Health Association worked with more than 86,000 New Brunswickers, she said. "In the first three-quarters of this fiscal year, we were already at over 117,000 New Brunswickers. … Organizations are feeling that, hospitals are feeling that, Horizon and Vitalité are feeling that. We need to recognize what's happening here in terms of demand for service." Carefully developing programs and reaching out to certain demographics to make sure people are not falling through the cracks are more crucial now than ever, she said. But so is talking "openly" with people when you see they are struggling, even if it feels uncomfortable. "Asking someone if they're suicidal, having suicidal thoughts ... actually saying those words can help," Baldwin said. "We need to have these conversations, we can't sweep it under the rug. Not talking about mental health openly has done us no favours." If you need help: CHIMO hotline: 1-800-667-5005 / http://www.chimohelpline.ca Kids Help Phone: 1-800-668-6868 Canada Suicide Prevention Service: 1-833-456-4566.

  • Arminia Bielefeld hires Kramer as coach in relegation fight

    BIELEFELD, Germany — Relegation-threatened Arminia Bielefeld hired Frank Kramer as coach on Tuesday, a day after firing Uwe Neuhaus. Kramer has only limited experience in the Bundesliga after a two-game spell as interim coach at Hoffenheim in 2012 and relegation with Greuther Fürth a year later. In more recent years, he coached age-group German national teams up to the under-20 level and coached Austrian champion Salzburg's youth team. Bielefeld, which was promoted last year, is in third-to-last place in the 18-team league. Hertha Berlin is just ahead on goal difference, and improving Mainz is only one point behind in a direct relegation place. Bielefeld still has a game in hand, however. Its next game is against Union Berlin on Sunday. Bielefeld earned only one point from its last five games — a 3-3 draw at Bayern Munich — and the 3-0 loss at Borussia Dortmund on Saturday was the fifth in a row in which the team conceded at least three goals. The 61-year-old Neuhaus was immensely popular with Bielefeld’s fans after leading the team to a surprise promotion following 11 years out of the Bundesliga. He had been in charge of the club since December 2018. ___ More AP soccer: https://apnews.com/hub/soccer and https://twitter.com/AP_Sports The Associated Press

  • Critics sound alarm over online gambling as Halifax casino revenues dwindle

    Critics of the gambling industry say they're concerned about a recent move toward online gambling, especially in light of the Halifax casino's uncertain future. Elizabeth Stephen, a counselling therapist who works with people with gambling addictions, said news that the Nova Scotia government has cleared the way for online casino-style gambling is "pretty significant." "What's behind that?" said Stephen. "Is it because the physical casino is in such decline and perhaps is even going to close down? Is it to replace that revenue? The Nova Scotia Gaming Corporation, the Crown corporation that oversees the gaming business, released documents to CBC News showing the Halifax casino has struggled with declining and unsustainable revenues for approximately 15 years — even before the arrival of COVID-19. The documents raise the possibility of moving the casino away from its waterfront location, but the corporation said those decisions are on hold during the pandemic. Stephen is an addictions counsellor in Halifax with a private practice. "My sense is that the government is looking for alternative revenue streams, hence the talk about the online casino," said Bruce Dienes, chair of Gambling Risk Informed Nova Scotia (GRINS), a non-profit that aims to reduce gambling harms. "The problem with that, of course, is if you want to go to a brick-and-mortar casino, you have to actually go to a brick-and-mortar casino. You have to really intentionally do that, you have to be there for a certain piece of time. "Online, if you've got a phone or if you've got any internet connection, 24/7 you're at risk of being impacted negatively by that casino." 'Two very different offerings' Bob MacKinnon, the gaming corporation's CEO, said there are similarities in the gambling that takes place in a physical casino and online. "I think it is possible that some of the casino business that we would have had at the Halifax casino has gone online. There's no way for us to know an exact number," he said. "But I'll also add that generally over the longer term, we would think of them as two very different offerings: that some people like to go online, and many people like to go for a broader entertainment experience where there's music, there's food, there's shows going on, in addition to the gaming offerings." Stephen said the people she treats in her practice often start gambling in a physical casino, but later move to other venues, such as bars with video lottery terminals. The majority of gambling addicts Stephen counsels became addicted to machines like VLTs. "I think [casinos] are the foundation in some places for the start of gambling, and the kind of glamour of gambling and the excitement of gambling," she said. Stephen said most people who come to her with gambling addictions have become addicted to VLTs, although a few have been addicted to table games such as poker or blackjack. "They get to the point where they're spending way too much time there and more money than they can afford to lose. And so often their first step is to exclude themselves from the casino. Often, though, they don't do that until they maybe have reached bankruptcy," she said. Falling revenues The Halifax casino hit peak revenue of about $75 million in 2006-07, which fell to about $54 million in 2014-15 — a drop of about 30 per cent that MacKinnon said was not sustainable. Visitation during the pandemic is down 90 per cent, and MacKinnon said it's believed the Halifax casino will make about $9 million this year. The Sydney casino failed to meet its revenue and visitation targets for the 2 years leading up to the pandemic, which closed its doors altogether for about eight months. The casino in Sydney, N.S., failed to meet its revenue and visitation targets for the two years leading up to the pandemic. In 2018-19, the Nova Scotia Gaming Corporation hoped the Cape Breton casino would have revenue of $22.1 million from at least 410,000 visitors. Instead, it brought in $19.5 million from 372,000 visitors. In 2019-20, its targets were $19.2 million in revenue and 410,000 visitors, but it ended up with $18.8 million from 344,806 visitors. Dienes said it shows a need for the province to move on from the gambling business, which was legalized in Nova Scotia in 1995. Dienes is the chair of Gambling Risk Informed Nova Scotia (GRINS), a non-profit organization with the goal of reducing harms related to gambling. "Here is a business model that's failing, that isn't meeting the needs of the customers. And rather than acknowledging that and moving on to a different kind of business — a different way to entertain, a different way to raise funds — they're trying to increase the risk and increase the access for something that people clearly don't want," he said. Dienes said gambling is "psychologically manipulative" and he disagrees with the government's stance that online gambling can be done safely. "This is something that's been created by government policy," he said. High-stakes bets Will Shead, an associate professor of psychology who primarily researches gambling, said he's doubtful that limitations can be placed on online gambling that would keep people safe. "We don't really know what effect this is going to have on people. You can make arguments and say this is how it's going to work, but it could potentially be disastrous for people to have access to such high betting limits online," said Shead, who teaches at Mount Saint Vincent University in Halifax. Shead is also a board member of Gambling Risk Informed Nova Scotia, whose members are particularly concerned about high-stakes wagers online that could lead a gambler to lose thousands of dollars per hour. Shead is an associate professor of psychology at Mount Saint Vincent University in Halifax. His research specialty is gambling. The Nova Scotia Gaming Corporation has said the online casino would include age and residency verification, privacy controls, self-exclusion options, deposit limits, time displays, analytics on player activity and information about responsible gambling. But Shead said he's concerned about young people finding ways to get around age checks, and about research that shows people are more likely to use drugs and alcohol while gambling online. In a physical casino, people are not supposed to be allowed to gamble while impaired, he said. According to its code of conduct, Casino Nova Scotia will refuse entry to someone who is impaired by alcohol or drugs. "I'm not sure if that happens all the time," said Shead, "but it's certainly not going to happen in the confines of your own home." MORE TOP STORIES

  • Skip the Waiting Room will let Islanders book COVID-19 vaccines online

    Islanders eligible to receive a COVID-19 vaccine can now book appointments online through Skip the Waiting Room. The P.E.I.-based company said it has secured a contract with the province to help provide more efficient access during the pandemic. "We saw reports of people waiting in a car for 8 hours to get testing done," said CEO and co-founder Mark Richardson. "COVID seemed like a great fit for me, so I started rattling the chains that I could rattle and said: 'As an Islander and a business, we'd love to help out with this.'" The company was born five years ago after Richardson found himself sitting in the waiting room at a walk-in clinic — for four and a half hours. "I thought to myself: 'There's got to be a better way to do this.'" 'I had seen some of the frustration and seen some of the lineups at the testing centres,' says Mark Richardson, the CEO and co-founder of Skip the Waiting Room. From there, the online site and app were created, giving others the option of pre-booking appointments to reduce time spent lingering in clinics. So far, Richardson said around 60,000 people have used the service for walk-in care on the Island. "I think every Canadian understands the frustration and wasted time of sitting in a waiting room or trying to get through a phone line." Now, in addition to becoming available to other provinces, Richardson said the company has expanded on P.E.I. to areas like internal medicine, MRI appointments and mammography appointments. Meeting an urgent timeline For those looking to book online before heading into a walk-in clinic, there is a fee of $5. But because of the terms of his contract with the P.E.I government, Richardson says it's free to schedule provincial services such as COVID-19 vaccines. I'm sure it will get a little bit more hectic when we get to the general announcement or the general population. - Mark Richardson, Skip the Waiting Room A statement from Health P.E.I said it entered into a short-term agreement with Skip the Waiting Room after it was identified as the only option available to "meet the urgent timelines to launch an online scheduling system to support COVID vaccine delivery." According to the statement, all safeguards outlined under the P.E.I Health Information Act are being maintained. "We had to jump through a lot of privacy hoops and some threat-risk assessments and all those things," said Richardson. "It was an extensive process but I'm glad to be on the other side of it." 'Going to do our best' Richardson said he doesn't know the exact number of people who have used the company to book vaccines so far — but he said he does expect it to increase. "I'm sure it will get a little bit more hectic when we get to the general announcement or the general population," he said. "I know people will be very eager to get their vaccine, as I am." For now, Richardson said, the company is spending time making improvements so that when Islanders do reach out to book virtually, Skip the Waiting Room is ready. "We might be able to book, you know, thousands of people a day, 24/7," he said. "We're working our best to make sure that there will be no hiccups. "No promises, but we're certainly going to do our best." More from CBC P.E.I.

  • RCMP warning drivers to stay off roads after multiple vehicle collisions

    Prince Edward Islanders are being advised to stay off the roads if possible Tuesday, with RCMP and plow dispatchers saying surfaces are slippery and whiteout conditions are making visibility poor in some areas. There have been at least four collisions Tuesday afternoon in the East Prince area alone — in Grand River, Summerside, Bedeque and Norboro. At least three involved multiple vehicles at intersections. "Across the Island, road conditions are slippery and snow covered," said RCMP Sgt. Chris Gunn. There's no word yet on whether there were injuries. Gunn said if you have to drive, take extra time and reduce speeds according to the conditions. The snow and wind storm began Monday afternoon and was followed in many regions by hours of rain before a deep freeze set in early Tuesday. Winds are expected to stay strong well into Wednesday. Plows were bust trying to keep the roads clear Tuesday.(Danny Arsenault/CBC) Maritime Electric has restored power to almost 1,000 customers in western P.E.I., mostly in the area around Borden-Carleton. Some COVID-19 testing clinics cancelled Health PEI first delayed and then cancelled COVID-19 testing clinics planned for Slemon Park and Three Oaks high school in Summerside and for Bordon-Carleton. Closures or cancellations due to weather can be reported to CBC's Storm Centre at 1-877-236-9350. More from CBC P.E.I.