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Sask. man spent 2018 walking across Canada to see how friendly people were




Zayell Johnston was tired of putting off something he’d wanted to do since he was 20 years old.

So for nine months last year, the Saskatchewan resident took a 9,000-kilometre walk across Canada and ended up taking over 11.8 million steps.

“I’ve always been the person who liked going out into nature and exploring,” he told in a phone interview. “I don’t know what spurred me to walk the country — maybe you know, the ‘Forrest Gump’ movie where he was just running.”

During his walk, Johnston said he waded through mud, trudged through snow and even bumped into bears in the wilderness.

The 27-year-old man from Yorkton, Sask. documented nearly everything on social media to help show off the country.

“The point of the journey was to see Canada,” he said. “We talk about how Canada is the best country in the world with the friendliest people — and I wanted to see that.”

And Canadians didn’t disappoint: He regularly had strangers offering up food, places to sleep or areas he could set up his tent.

“An elderly couple in Calgary was the first experience of offering a place to stay — lucky coincidence, because it was my birthday back in April,” he laughed.

He splashed his face with water from two oceans

Back in February, Johnston began his journey the same way he would end it on Nov. 25. by splashing his face with ocean water.

He first splashed his face with water on the shores of the Pacific Ocean and then along the Atlantic coast albeit 25 pounds lighter and with a thick, grizzly beard.

He opted not to drive or bike across Canada because he felt the trip would be “more authentic when you walk it.”

Johnston said when people drive along the highway, they can end up letting “half of Canada go by in a blur.”

He started walking from Mile 0 on the Trans-Canada Highway in Victoria, B.C., walking along smaller trails and even the TransCanada pipeline at some points.

Johnston said he averaged 50 kilometres each day and was constantly struck by the sheer vastness of the country – particularly in the Rocky Mountains.

But he was always sure to watch his back, especially as he noticed how many lynxes, moose and even bears crossed his path.

“One deer was a little too friendly … so I had to spook him away,” he recalled. “I saw four black bears but they were more interested in running across the road than me.”

His journey was part of a bucket list

His trip was one of the items on a bucket list he’d written when he was 20 years old. Goals included getting a six-pack, backpacking across Europe and finishing school. He wanted to finish the list by the age of 25.

“But life happens and things don’t always turn out the way you want them to,” he said.

Although Johnston did see Europe, his career as a visual effects contractor “didn’t pan out” in Vancouver. So he returned home to his parents in Saskatchewan.

There, he learned more about wilderness camping and then decided to walk across Canada — two years past his original deadline.

“It’s now or never, right?” Johnston said. “At the end of the day, the only person you have to answer to is yourself and don’t care what people think.”

He set out with a budget of $7,000 for equipment, food and other necessities. He logged his steps on a Fitbit and made sure to get a GPS tracker so his mother would always know where he was.

Weather forced him to stop several times

Weather was a constant worry for him, with the worst experience happening in the Maritimes during hurricane season.

Johnston was even forced to wait out Hurricane Willa in a ferry terminal in Channel-Port aux Basques, N.L.

“I was thankful because there wasn’t anywhere else to go,” he said,

He had to stop several times during his trip, including during a blizzard near Lake Louise, Alta. where he hunkered down in a small hotel.

Before that, Johnston stopped for a whole month near the Coquihalla Highway in the B.C. Interior because “winter stuck around an extra month.”

“And that’s just the way Canada works, you can’t predict the weather and you got to work around it,” he said.


A stranger got him a job at a ski resort

During that month, a stranger vouched for him and he landed a job at a ski resort in Manning Park in B.C.

“He didn’t know me at all … but he said, ‘let me see if I can give you a hand,’” Johnston recalled.

As he made his way across the Prairies where he grew up, Johnston leaned on family and friends for lodging. But places to rest became more scarce as he moved further east.

“Especially in Newfoundland, I was just like, ‘how am I going to get through this?’” he said. “There’s no way. It was hard to have patience near the end.”

During the stretch from Winnipeg to Niagara Falls, Johnston was fortunate to always find places to set up his tent and only ended up staying in hostels a handful of times.

Throughout the trip, he fondly remembers the kindness of strangers: “Half the time I [didn’t] even ask for help and they just came out of the blue and surprised me.”

“I think I had three different people bring me a coffee … I don’t know what it is about Newfoundlanders and coffee,” he chuckled.

Journey’s end

As for what’s next for Johnston, he’s hoping to travel more and eventually, complete the difficult task of paying off his student loans.

“I feel like that’s more impossible than walking across Canada,” he joked.

Since coming home to Saskatchewan he’s applied to become a forest firefighter and made sure to mention his Canada-wide walk on his application.

“It’s definitely in the resume,” he laughed.


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As shopping habits change, Ottawa targets credit card swipe fees




The federal government is taking aim at credit-card transaction fees as shifting shopping habits resulting from pandemic lockdowns have substantially driven up costs for many small merchants.

The budget released this week promises the government will launch consultations aimed at lowering the average charges — known as interchange fees — paid by merchants every time a customer pays with a credit card.

Though federal officials plan to engage with stakeholders, including credit-card issuers and merchants, about possible changes, Monday’s budget also raises the threat of legislation to regulate fees “if necessary.”

This is the third time in less than seven years that the federal government has pressured credit-card companies to lower transaction fees, which vary between retailers, types of cards and payment methods. In 2014, there was an agreement reached with Visa Canada and Mastercard Canada to lower average fees to 1.5 per cent. Then in 2018 a five-year pact was struck that included voluntary commitments to lower average fees to 1.4 per cent, starting in 2020. (American Express struck a separate deal with Ottawa.)

But COVID-19 has rapidly altered consumers’ spending patterns, creating pressure to revisit that deal. Many of the interchange fees that were reduced applied solely to payments made in stores. As public-health restrictions have forced stores to limit access or close, fewer customers are swiping, tapping, or paying in cash. As a result, businesses are bearing the brunt of higher transaction fees charged for online purchases – unless they pass those costs on to customers by raising prices.

“The pandemic has been a huge driver of credit-card interchange [fees] as people have dropped cash and have moved online,” Karl Littler, senior vice-president of public affairs at the Retail Council of Canada, said in an interview. “It is a rapidly growing cost and was a rapidly growing cost even prior to the pandemic.”

The interchange fees paid by Christina Kotiadis, co-owner of Toronto gift store Lemon & Lavender, have gone way up during the pandemic. She built an online store for the first time to process e-commerce orders, and more customers who visit the store are tapping cards to make contactless payments. She also bought a mobile terminal to take payments anywhere in the store, or at the front door, which charges higher fees than the store’s plug-in terminal. For health reasons, she allows customers to pay with cards even for small purchases and absorbs the added costs.

“I refuse to raise prices. I don’t feel good about it. Everyone is trying to stay safe, and I don’t want to raise the fee because they don’t want to use cash,” she said.

Before the pandemic, about 60 per cent of payments at independent grocery stores were made with credit cards, and the rest with cash or debit cards, according to Gary Sands, a senior vice-president at the Canadian Federation of Independent Grocers. Now, more than 90 per cent of purchases are with credit cards as online ordering and curbside pickups become more popular, and the resulting interchange fees are adding up.

“It impacts prices, it impacts the ability of small businesses to stay in business,” he said.

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Ottawa considers taking action against ‘predatory lenders’




Ottawa will consider lowering the maximum interest rate to stop the “predatory lending” of outfits that make high-interest loans, which anti-poverty advocates say have exploited Canadians during the pandemic.

In Monday’s budget, the federal government announced plans to launch consultations on lowering the “criminal rate of interest,” the maximum annualized interest rate for credit allowed under the federal Criminal Code.

For instalment loans — longer-term credit with high interest — lenders can charge up to 60 per cent annual interest under the usury rules.

Payday loans — high-interest loans that are typically due two weeks later — are exempt from federal rules under a 2007 amendment, if provinces have their own regulations for payday lenders, which all now do. 

Many low- or moderate-income Canadians rely on high-interest, short-term loans to make ends meet or for unanticipated emergencies, leaving them stuck in a cycle of debt, the budget states. 

Anti-poverty advocates have zeroed in on companies like Money Mart, Easy Financial, and Cash Money, accusing them of misleading advertising, not being forthright about the strings attached, and pushing borrowers to take out larger loans at the highest interest rates possible. 

They say the practices are continuing during COVID, when more Canadians than ever are facing financial hardship.

“They’re thriving, because they’re taking advantage of people,” said Donna Bordon, a member of the anti-poverty group, ACORN Canada. “People are afraid of losing their homes, so they borrow money from these places.”

The consultations are a “first step” in tackling predatory lending, Bordon said, adding she hopes they include more than industry representatives, who will sharply oppose any changes.

Despite low interest rates set by the Bank of Canada, poorer borrowers are more likely to lack the requirements to access safer loans from traditional banks. Instead, they seek quick cash from payday lenders, despite the risk of falling into debt they can’t escape.

In Ontario, for example, payday lenders can charge $15 in interest for every $100 over a two-week period — equal to an annualized interest rate of 391 per cent. 

Last July, the Ontario government capped the interest rate that lenders can charge on defaulted payday loans at 2.5 per cent per month. It also set a maximum fee of $25 that lenders can charge for dishonoured or bounced cheques, or pre-authorized debits.

In 2019, the Financial Consumer Agency of Canada found that two per cent of Canadians had taken out payday loans in the previous year. The percentage was even higher for Indigenous people, and low-income and single-parent households.

Last month, NDP finance critic Peter Julian tabled a private member’s bill to lower the maximum interest rate to 30 per cent, and to remove the exception for provinces that regulate payday lenders — measures ACORN supports.

The Canadian Consumer Finance Association, which represents payday lenders, said in a statement that while it’s still reviewing Monday’s budget, it’s opposed to lowering the interest-rate limit.

“Instalment loans are long-, not short-term loans, and they provide an important source of credit for many Canadians who cannot access credit elsewhere,” the organization said.

“Any reduction to the federal maximum interest rate will result in removal of access to credit for those Canadians with lower credit scores who previously qualified at the current rates. The government should not take any action that results in denial of credit to Canadians, or forces borrowers to access credit from illegal, unlicensed lenders.”

A survey of 376 ACORN members published by the group last February found 40 per cent of respondents were turned down by a traditional bank before taking out a high-interest loan. Seventeen per cent said they’re now unable to make repayments due to COVID-19.

The federal government should seek ways to provide alternative lines of credit to low-income Canadians, such as mandating banks to offer lower-interest loans, Bordon said.

Besides setting up a complaints process for consumer lending that’s stronger than the provinces’ systems, it should also consider postal banking for rural areas and small towns, she added.

The ACORN survey found that 70 per cent of its survey respondents had once turned to payday loans. Forty-five per cent had taken out instalment loans, an increase from a similar survey conducted in 2016, when only 11 per cent said they’d taken out such loans. 

ACORN represents low- to moderate-income Canadians. Sixty per cent of its survey respondents earn less than $30,000 a year.

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Federal budget 2021: Ottawa ties end of financial supports to completion of COVID-19 vaccination campaign




The federal government will extend its business and income support programs until the country’s vaccination campaign is complete, but their subsidy levels will start to drop before the deadline for all Canadians to get their shots.

Finance Minister Chrystia Freeland’s budget, tabled Monday, sets Sept. 25 as the end date for the direct business and personal income supports the government introduced in response to the pandemic. That is in line with the end-of-summer deadline Prime Minister Justin Trudeau set for the completion of Canada’s vaccine rollout. It’s widely expected Canadians could also be sent back to the polls around that time.

The government proposes spending $15.1-billion more to extend the emergency support programs until September and create a new subsidy, which Ms. Freeland called a “lifeline” for Canadians and businesses in her speech to the House of Commons.

The budget also, for the first time, pegged the cost of Canada’s vaccine contracts at more than $9-billion; however, officials were not able to provide any details on that number, including how much has been already spent or allocated.

The Canadian Chamber of Commerce said it was encouraged by the extension of the business supports during the pandemic and cautioned against their hasty withdrawal. “The government must ensure that support is not being removed too early and that the level of support does not decrease too quickly,” president Perrin Beatty said in a statement.

On Monday, neither Ms. Freeland nor federal officials were able to explain why the Canada Emergency Wage Subsidy, the Canada Emergency Rent Subsidy, Lockdown Support and the Canada Recovery Benefit will all decrease before the vaccination program is expected to be complete. The government also did not say whether the decrease is based on metrics such as COVID-19 case counts or vaccination rates.

“No one knows for sure what the course of the virus and new variants will be, and that is why we are prepared to act further and to further extend the supports should the course of the virus require that,” Ms. Freeland said at a news conference.

The Canada Recovery Sickness Benefit and the Canada Recovery Caregiving Benefit are also set to end in September. If the pandemic gets worse, the government will introduce legislation that will allow it to extend those programs until Nov. 20.

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