First-place Alouettes look to continue winning ways versus Tiger-Cats

TORONTO – Credit card fees for small and medium-sized businesses are starting to dip lower as a deal reached between the federal government and the two major card companies is set to take effect.

Mastercard and Visa are reducing interchange fees by up to 27 per cent in a move that Ottawa says will save businesses about $1 billion over five years.

Dan Kelly, president of the Canadian Federation of Independent Business thanked Finance Minister Chrystia Freeland for seeing the deal through. In a statement, he said qualifying businesses could expect about $350 savings per year for each $100,000 in Visa sales and about $200 in savings per year for each $100,000 in Mastercard sales.

To qualify, businesses’ sales volume can’t exceed $300,000 on Visa and $175,000 for Mastercard.

The change officially takes place Saturday, but some payment processors have already started to pass on the savings.

The small business group has, however, noted that not all processors have been clear that they’ll pass on the savings, pointing for example to Stripe where not all customers will see a change.

Kelly said Stripe’s decision means the company would keep the savings that were intended for small business customers.

“It’s extremely disappointing to see a big company take this approach,” he said.

Stripe says customers on its Interchange Plus plan, which sees costs vary by transaction type, will see the fee reductions passed through, just like other network cost and fee changes.

But those on its flat-rate plan won’t see a change, because the company says it has seen other costs and fees rise that add up to more than the reduction in interchange fees.

Other processors such as Moneris have said that qualifying businesses on both its interchange plus and flat rate model will see a reduction.

Finance Ministry spokeswoman Marie-France Faucher said the fee reduction should benefit about 90 per cent of businesses that accept credit card, and the department expects companies to pass on the savings.

“The federal government is closely monitoring the implementation of the credit card fees reduction, with the strong expectation that all payment processors like Stripe will pass the savings on to small businesses.”

She said the revised code of conduct for the industry has also given businesses more rights, including switching processors without penalty.

This report by The Canadian Press was first published Oct. 18, 2024.

The Canadian Press. All rights reserved.

MONTREAL – Quebec’s largest nurses union has reached a deal with the provincial government more than a year and a half after their collective agreement expired in March 2023.

Fédération interprofessionnelle de la santé, known as the FIQ, announced Thursday evening that two-thirds of union members had voted to adopt a new collective agreement recommended by a conciliator.

The details of the deal were not disclosed, but a major sticking point had been the government’s push for nurses to be more flexible in moving between health-care facilities to address staffing needs.

The union rejected a deal in principle in April over concerns about transfers between health centres, but president Julie Bouchard says those requirements will now be better defined.

However, Bouchard is not declaring victory and says the union will continue to fight to improve difficult working conditions, which include mandatory overtime and staff shortages.

The union has 80,000 members, including the majority of Quebec nurses, and the new collective agreement covers the period from 2023 to 2028.

This report by The Canadian Press was first published Oct. 18, 2024.

The Canadian Press. All rights reserved.

HALIFAX – With a crowded field of 16 candidates vying to be Halifax’s next mayor, candidates have not always found it easy to stand out. But one thing sets Andrew Goodsell apart and makes him uniquely positioned to comment on a central campaign issue: he is living rough in a tent in the city’s south end.

Goodsell, who is 38, moved to Halifax from eastern Ontario about a decade ago. Having experienced homelessness at different periods of his life, Goodsell says he is running in Saturday’s election to offer voters an alternative to the career politicians who typically get elected.

“I was like ‘Well, I’m not voting for these guys that are running right now. We don’t need more of the same. We need something different,’ so I picked up my phone and called city hall,” Goodsell said in an interview at a picnic table Wednesday.

He said the process to be registered as a candidate was straightforward: all he had to do was gather at least five nomination signatures and pay a $200 fee. He appointed himself as his own official campaign agent and provided as his address an office of the province’s Department of Community Services.

Not surprisingly, Goodsell’s election platform focuses largely on housing. His No. 1 pledge is to create what he calls “dignified public housing” to make sure Haligonians have a place to call their own in a city where the cost of living has shot up and homeless encampments have proliferated.

One of the leading contenders for the mayor’s job, former Liberal MP Andy Fillmore, has said he would stop the expansion of encampments and remove tents appearing in non-designated areas within 24 hours. Goodsell, who said he has been ordered out of non-designated areas with little notice, said more support needs to be in place.

“It’s clear when you look at the costs, (it costs) more than twice as much to keep someone homeless as it does to house that individual,” Goodsell said. His other campaign pledges include prioritizing affordable transit and imposing stricter conditions on developers.

There are many signs of Goodsell in downtown Halifax, whether it be a tent he sometimes pitches near the old Halifax Memorial Library, a table where he can be seen folding origami or his “Andrew Goodsell for Mayor” slogan written in chalk on sidewalks, enclosed in a heart. Voters also have a good chance of bumping into him with his black Belgian shepherd Dusty in tow.

Goodsell’s campaign includes weekly meet-ups outside the former library on Sundays. He has also printed a few hundred flyers to hand out, but as a candidate on a significantly tighter budget — he says he lives on income assistance that provides about $400 a month — Goodsell has relied largely on social media to spread his message.

Polling puts Goodsell far behind Fillmore and current city councillors Waye Mason and Pam Lovelace in the race to be Halifax Regional Municipality mayor, but with about one per cent support he is still in the top half of the field.

Jeff Karabanow, a social work professor at Dalhousie University, said Goodsell’s candidacy helps break the myth that unhoused people don’t participate in civil society.

“Here’s an individual who’s deeply engaged in the politics of the day …. It demonstrates the diversity of folks who are unhoused these days,” Karabanow said in an interview.

Tamara Stein, a housing advocate who works with unhoused people in Halifax, echoed Karabanow, saying Goodsell brings an important perspective to the campaign.

“Nobody knows better what’s going on than somebody who lives it,” she said. “If you’re running for something and fighting for something you believe in, then it shouldn’t matter what your stature is.”

As election day approaches, Goodsell said he hopes his campaign has inspired people.

“If I’m able to run and do this with zero support … hopefully I’m inspiring someone out there that’s got the capabilities more so than me to actually reach out to people,” he said.

He describes himself as simply “two feet and a heartbeat,” using sidewalk chalk to spread the word. “The amount of people I’ve been able to reach out to is a clear example that, if you are willing to put in the effort in, you’ll get the people behind you.”

This report by The Canadian Press was first published Oct. 18, 2024.

The Canadian Press. All rights reserved.