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it was just something that struck me that there were all kinds of goodies and stuff in people's carts, and i have a feeling that like me, people's grocery habits-
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buying habits maybe have changed a little bit during the pandemic. so it would be a very useful exercise to look and see what's going in, what-
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probably did resort to some comfort items.
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what you really want to do when you're looking at where your money is going is break it down into what are the things i'm buying that are absolute-
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that are maybe the wants and the extras. and there's some value in the wants and the extras. they could bring us great joy and happiness and-
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and you want to put that to high interest debt, because it's costing a lot of money for that.
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it is a big fear through this crisis, is what is the amount of debt canadians are going to come out of the other end with. we, as you said-
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... of your disposable income, which is quite high when you look globally, across the world, kind of this-
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... debt levels are quite high, so certainly cause for concern.
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we're probably seeing more bad debt happening, where we're actually borrowing to pay for our day to day expenses.
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... minimize that bad debt. at some point, you might need to put something on a credit card that normally, you wouldn't want to do.
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but if you can reduce or defer as much as possible on the want side-
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... i think the second thing to do is to make sure you are accessing the government support that is available, and that you're eligible for.
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you do not have to pay your taxes until the end of august.
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there is also deferrals for student loans right now.
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so taking advantage of that and just pushing off some payments until later, so that you can minimize the amount of income you need right now, when you don't have-
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the third thing i think is important, is investigating any relief that's available to you.
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and payment deferral is a type of relief. i think one of the things that has been a worry around payment deferral is making sure people understand that it is a deferral.
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meaning it is just delaying when you need to pay that amount.
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and so i encourage you, if you are in that situation, to reach out to them to see what's available, and do it proactively. don't-
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and it may be the case that you do, then look for the lowest cost options available.
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... use of high interest credit cards and definitely payday loans, which are very expensive.
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that's the idea. that avoids interest charges all together.
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but if that's not possible and you're carrying a credit card balance that-
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... first make at least the minimum payment each month, and make that payment on time.
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this will help preserve your credit score, and having a good credit score will make credit available to you in the future, when you do need it again, or need-
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look to put that extra money towards your highest interest debt first.
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once you've paid your minimum, look to pay the highest... your extra amounts on the highest interest.
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or people who look to capitalize on these situations or take advantage of people.
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unusual links you may have received that says you-
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don't do it. no one should ever pressure you to make a financial decision or share your personal information.
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in closing, what else do you think we need to know when it comes to managing our money at this time in particular?
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making... and make spending decisions based on what you know about your income and spending habits, and spending needs.
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so even a little bit can go a long way for you.
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if you have children, talk to them about money.
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how easily and unexpectedly it can disappear, and how you can prepare for that.
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two of these graduating students will receive one of canada's highest honors in academia.
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and his research is actually on how homophobia can negatively affect everyone, regardless of their sexuality.
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former master student, joanne marie fitzgibbons, from the faculty of environment, is being celebrated for her explorations in the process and politics of planning for urban resilience.
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so congratulations to harrison and joanne. to learn more about these students and their research, you-
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strategies for balancing work and family tips for collaborating with colleagues and thoughts on how covid-19 will shape her work over the long term.
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low maintenance, washable and reusable with little to no waste.
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you can learn more about what makes each of these individuals a truly distinguished teacher, in the daily bulletin for june 16th.
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also recognized for her enthusiasm towards teaching and dedication to the scientific community.
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peers and faculty members, for her ability to connect with students and her dedication to teaching and learning.
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professor dean received the award for her scientifically important contributions to the analysis of count data, disease mapping, spatial temporal data and more. for her outstanding leadership to the statistical profession-
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... working closely with partners at microsoft ist, has carefully assessed the requirements for the office 365 deployment, and has begun the work.
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this is convocation week and as part of the virtual convocation celebrations-
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students having difficulty finding that email this week should check out the university student email migration website for more information.
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pleasure. so first off, what is a bubble in this context?
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one thing to consider, is that everyone living in the same household as you, is considered part of the social circle bubble.
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so on june 12th, the provincial government announced that people could create a bubble of no more than 10 people.
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means that you have to physically distance from people that are not inside your bubble.
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what is the significance of the fact that we don't have this two household restriction?
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so an adult who has children, and they have an older parent and-
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then you have to justify why you're including and excluding people inside it.
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careful when... if they want to join the social bubble, because we don't want them getting the virus.
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so in a sense, they'll have to decide and again, you have to know about the risks of joining a social bubble as a-
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and it provides benefit in terms of reducing your social isolation.
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otherwise, it just defeats the purpose of having a social bubble or circle.
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a year alone. and then it might be beneficial for students as well.
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i anticipate a number of very uncomfortable conversations over thanksgiving or christmas dinner or a holiday dinner, is whenever we can get back together again.
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and in this case it's basically the elderly, and our parents or grandparents that-
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... so you have to think of it as kind of like a pandemic fatigue, where you have people who are cooped inside their homes.
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there have been instances in which parks have been opened, and then there were a lot of people there in the parks who did not follow physical distancing in other public-yes.
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right? and then once you're in stage three, then you go to the fully normal status like before.
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so i just want to stress the fact that you have to stay true to your social circle and bubble.
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this is episode 47 of beyond the bulletin.
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president released a statement condemning racism and committing to learning and doing more to support our campus community and advocate for change.
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violence and oppression. i stand with you. i...
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president hamdullahpur noted that canada is a diverse country.
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but still, racism, oppression, and intolerance happen here too often.
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despite progress that we've collectively made, canada and the university of waterloo are not immune from racism and the ills that stem from this toxic worldview.
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president hamdullahpur states that the university of waterloo condemns racism in all of its forms.
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we need to say this over and over again to show racists that we will not accept their hateful views.
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there is no room in our community for prejudice or hate of any kind.
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prevent and remove barriers so everyone can achieve their full potential.
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fair world for everyone. later this month, the...
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these training sessions will build capacity for university leaders to engage in the necessary change around equity...
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equity and inclusion to campus wellness to the office of the president.
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next up, a milestone. after 43 business days of uninterrupted images...
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the good buddies of the university has ended its daily run in the daily bulletin.
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the project began at the end of march with a huge outpouring of photo submissions and with may coming to an end, or, well...
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the photo backlog finally had been worked through, and the flow of new submissions down to a more manageable level as...
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seemed like the right time to transition the initiative.
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so the response to this initiative from readers was astonishing. over 62 days, some...
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214 students, faculty, and staff submitted more than 267 pictures of their very good buddies.
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such good buddies. now, if you find yourself missing the good buddies feature...
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don't despair. it will not be going away entirely.
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and you can continue to submit photos of your good buddies to bulletin@uwaterloo.ca.
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that's right. and so i'd like to take this opportunity to thank everyone who submitted photos of their cats.
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it was a joy to open those email attachments every day and laugh at some of the expressions on these animals faces.
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provided a window into your remote working experience shared by your colleagues.
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i am glad that my little kika managed to join the honor roll, brandon. i still have to get you a pic of my gigantic cat.
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niko. did you submit your photos of your good buddies?
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while a select few will also be available in person.
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waterloo food security expert jennifer clap, has been awarded a killam fellowship for her work on the rise of agrafood mega companies, and the implications for the global food system.
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fellowship is among the most distinguished research fellowships in canada.
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it demonstrates claps recognition as a global leader in food security.
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or it comes at a time when our global food system is in peril.
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