Most Popular Editorials: The New Rules of Work Clothes

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The New Rules of Work Clothes After two years of hastily throwing a business jacket over a T-shirt and sweatpants while letting people into our homes during the Covid-19 pandemic, our tolerance for conformity — and discomfort — has changed. The business dress code is evolving. Have you been rethinking your work attire as you transition back into the office, but you’re worried about what others will think? In this piece, the author offers practical steps to try if you’re considering changing things up.  Continued here

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Managing Shareholders in the Age of Stakeholder Capitalism Shareholder cultivation in the age of stakeholder capitalism requires management to identify steward shareholders and then foster symbiotic relationships with them. The authors offer four sets of tools managers can use to cultivate steward shareholders. These tools are classified into four types based on two dimensions: time-to-efficacy, which refers to the time needed for the tactics to take effect, and implementation difficulty, which pertains to resource demands and potential resistance managers may face in carrying out the tactics. Using these four sets of tools, managers can build a base of steward shareholders that are sure to offer their support for companies’ stakeholder-centered initiatives. Continued here

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'Paycheque to paycheque.' Inflation is hitting low-income Canadians hard -- and its effects are likely to be long-lasting ","heading":"","fullWindow":false,"fullBleed":false,"showFullBleedOnMobile":false,"headColor":"","type":"html5mobile","textColor":"","mobileImageUrl":"","bgColor":"","imageUrl":"","registeredOnly":false,"linkUrl":"","aodaTitle":"Lower-income Canadians worry most about food and rent","internalScroll":false,"displayStyle":"small-up"},{"type":"textBreakPoint","insertAt":"contentMiddleBreakPoint"},{"text":"Living paycheque to paycheque","type":"text","isParagraph":true,"isHeading":false},{"text":"Shelly Ann Allan has been looking for a new place to live amid record inflation and rising rent prices, after her landlord evicted her. In the meantime, it’s not just rent that’s become more expensive, but everyday expenses like food — she avoids the grocery store unless she absolutely has to go.","type":"text","isParagraph":true,"isHeading":false},{"type":"stn-smart-player"},{"text":"“I’m living paycheque to paycheque,” said Allan, who works full-time as a material handler and is also a member of advocacy group ACORN. ","type":"text","isParagraph":true,"isHeading":false},{"text":"Normally, Allan sends money home to her family in Trinidad, but for the past several months she’s been unable to send much, if at all. She’s thought about getting a second job, but doesn’t have the energy to work in the evening after a nine-hour day. ","type":"text","isParagraph":true,"isHeading":false},{"type":"slimcut"},{"text":"“No matter how hard I work … it’s not working,” she said. ","type":"text","isParagraph":true,"isHeading":false},{"text":"Allan is one of millions of Canadians for whom inflation isn’t just a nuisance — it’s forcing them to cut down on things they need to survive. Throughout the pandemic, women, low-income, racialized, and otherwise vulnerable people in Canada were most affected by unemployment and pandemic restrictions, and they’re now emerging into a world where life costs more by the day. ","type":"text","isParagraph":true,"isHeading":false},{"type":"ad","heading":"ARTICLE CONTINUES BELOW","name":"ArticleThirdBigBox","display":"medium-down","pos":"3","interstitial":true,"sizes":[[300,250]]},{"text":"According to the Bank of Canada, while the cost of food tops everyone’s list of inflation stresses, low-income Canadians are more worried about affording food and rent than people who are middle- or high-income. ","type":"text","isParagraph":true,"isHeading":false},{"text":"Lower-income people spend everything they get already, said Canadian Centre for Policy Alternatives senior economist David Macdonald, and inflation will make it harder and harder for those workers to meet their basic needs. ","type":"text","isParagraph":true,"isHeading":false},{"text":"It’s not surprising that food is one area where Canadians are feeling the biggest pinch — it’s a necessity, after all, and also a key driver of the current inflation rate. Butter was up more than 20 per cent in June year over year; whole chicken almost 16 per cent, white bread 14.5 per cent, pasta almost 21 per cent. ","type":"text","isParagraph":true,"isHeading":false},{"text":"That’s why so many of us are keeping an eye out for sales and promotions, as well as choosing cheaper alternatives like private labels wherever possible, according to recent consumer surveys.","type":"text","isParagraph":true,"isHeading":false},{"text":"Shoppers tend to substitute with cheaper products in the face of high costs, said Macdonald. For families with room to trim their food budget, this might help stave off the effect of inflation. But those who are already operating on a tight budget, like Allan, will feel the pinch right away.","type":"text","isParagraph":true,"isHeading":false},{"text":"More than a quarter of Canadians are being forced to cut back on essentials such as food or utilities to make ends meet, according to an Ipsos survey on behalf of insolvency firm MNP in June. Women and those aged 35-54 were more likely to say they were cutting back on both essential and non-essential items and services.","type":"text","isParagraph":true,"isHeading":false},{"type":"textBreakPoint","insertAt":"contentLongBreakPoint"},{"text":"Meanwhile, many people will turn to their savings or forms of debt to get by, said Macdonald, noting that credit card balances have begun to rise from their pandemic lows. ","type":"text","isParagraph":true,"isHeading":false},{"text":"Lower-income workers, younger adults, people with disabilities, households with children, and racialized groups are all more likely to be borrowing extra money to stay afloat, Statistics Canada found. ","type":"text","isParagraph":true,"isHeading":false},{"text":"And while the Bank of Canada is raising interest rates at an unprecedented clip, it doesn’t have power over gas prices or food, and so for many Canadians, nothing is getting cheaper.","type":"text","isParagraph":true,"isHeading":false},{"text":"This may drive more people to use services like food banks in the coming months, the Statistics Canada survey found, especially those with children at home. ","type":"text","isParagraph":true,"isHeading":false},{"text":"Post-pandemic spending sprees dampened by inflation","type":"text","isParagraph":true,"isHeading":false},{"text":"But while some households are trying to string together enough to make it through the month, others have plenty of room to trim. Despite the inequalities deepened by COVID-19, Canadians emerged from the pandemic with a collective $300 billion in excess savings, and many were ready to spend on what they missed the most — food, travel, and entertainment. ","type":"text","isParagraph":true,"isHeading":false},{"text":"Surveys show consumers this spring were eager to travel, eat at restaurants, and enjoy their cities again, even if it meant spending a little extra — many said they planned to spend significantly more in the coming year. ","type":"text","isParagraph":true,"isHeading":false},{"snippet":"#ontariounitsiframe{padding:0;width:100%;border:0;overflow:hidden;}","heading":"","fullWindow":false,"fullBleed":false,"showFullBleedOnMobile":false,"headColor":"","type":"html5mobile","textColor":"","mobileImageUrl":"","bgColor":"","imageUrl":"","registeredOnly":false,"linkUrl":"","aodaTitle":"Canadians' spending since 2019","internalScroll":false,"displayStyle":"small-up"},{"text":"As 2022 wore on, pre-pandemic spending trends began to re-establish themselves, said TD economist Ksenia Bushmeneva, with consumers spending more on things like entertainment, recreation, and restaurants. Travel spending went up too, despite delays at major airports in Canada and worldwide, according to the Conference Board of Canada. ","type":"text","isParagraph":true,"isHeading":false},{"text":"But as everything gets more expensive, while the dollar amount spent might go up, the quantity of purchases may decline, according to the Bank of Canada — Canadians might have some extra cash, but they’ll get less for it.","type":"text","isParagraph":true,"isHeading":false},{"text":"And they’re noticing. As the summer approached, Canadians started to get a little more frugal. ","type":"text","isParagraph":true,"isHeading":false},{"text":"Canadians are feeling less and less optimistic about their finances due to inflation, and are adjusting their spending habits accordingly, resulting in a slowdown of consumer spending growth in June, according to the Conference Board of Canada.","type":"text","isParagraph":true,"isHeading":false},{"type":"cta","buttonText":"Sign Up Now","buttonLink":"/emails.html?nsrc=article-inline-business","description":"Read the business news and analysis that matters most every morning, including the latest on what the coronavirus means for you, in our Star Business email newsletter.","title":"Get more business in your inbox"},{"text":"As the average transaction size at the gas pump climbed significantly in 2022, Canadians weren’t buying gas much more frequently than they were a year ago, even though restrictions have eased and people are going back to the office. ","type":"text","isParagraph":true,"isHeading":false},{"text":"That may be linked to a significant increase in travel by bus and train, according to Moneris — both for daily commutes and longer journeys. As well, some workers may be choosing to continue working remotely in part because of the high price of gas. ","type":"text","isParagraph":true,"isHeading":false},{"text":"And retail sales data shows that while spending may be up in dollar amounts, “real” sales, or the amount of stuff people are getting for their dollars, are not as elevated, said Bushmeneva. In other words, a significant portion of that rise in spending is due to prices getting higher, not people making more purchases. ","type":"text","isParagraph":true,"isHeading":false},{"text":"For example, retail sales were up 2.2 per cent in May, but in volume terms were up only 0.4 per cent. ","type":"text","isParagraph":true,"isHeading":false},{"text":"An advance estimate of retail sales from Statistics Canada shows that in June, retail sales in dollar amounts increased only 0.3 per cent, which Bushmeneva predicts means in terms of “stuff,” people are buying less than they did in May. ","type":"text","isParagraph":true,"isHeading":false},{"text":"“In real terms, retail sales have probably fallen,” she said.","type":"text","isParagraph":true,"isHeading":false},{"text":"The MNP survey found that almost half of Canadians were cutting back on non-essentials like travelling, dining out or entertainment, and many were looking to save by cutting down on gas and seeking out cheaper versions of everyday purchases. And yet in June, Canadians were still spending more per transaction at bars, restaurants and fast food places than they did pre-pandemic, according to Moneris — likely due to inflation. ","type":"text","isParagraph":true,"isHeading":false},{"snippet":"#new-breakpoints-690max{padding:0;width:100%;border:0;overflow:hidden;}","heading":"","fullWindow":false,"fullBleed":false,"showFullBleedOnMobile":false,"headColor":"","type":"html5mobile","textColor":"","mobileImageUrl":"","bgColor":"","imageUrl":"","registeredOnly":false,"linkUrl":"","aodaTitle":"How Canadians are coping with rising costs","internalScroll":false,"displayStyle":"small-up"},{"text":"Canadians are also spending less on their homes. Foot traffic data analyzed by Avison Young shows that people are frequenting big box stores less as the year progresses — likely due to a drop in visits to the hardware store, said Marie-France Benoit, director of insights for AY in Canada.","type":"text","isParagraph":true,"isHeading":false},{"text":"For one, the renovation boom is subsiding as people venture out of the house and as interest rates rise, she said. As well, hardware stores are likely taking a hit because inflation-wary consumers are postponing large purchases such as home renovations.","type":"text","isParagraph":true,"isHeading":false},{"text":"Financial wellness educator Zandile Chiwanza said when inflation hit her she had to take a step back and reconsider her approach to spending. With pandemic restrictions lifting, she wanted to spend on things that would bring her joy, but worried about her long-term savings goals.","type":"text","isParagraph":true,"isHeading":false},{"text":"For example, Chiwanza wants to visit her family, but the price of a ticket has tripled. ","type":"text","isParagraph":true,"isHeading":false},{"type":"relatedStories","relatedStories":[{"url":"/business/2022/07/09/supermarkets-are-hiking-prices-faster-than-necessary-and-profiting-from-inflation-star-investigation-suggests.html","assetId":"bc69c187-6ff4-4843-bacc-25916e8f9651","headline":"Supermarkets are hiking prices faster than necessary — and profiting from inflation, Star investigation suggests","abstract":"As food prices have risen, so have the profits at Canada’s three largest supermarket chains. None of the three dispute their margins have grown,...","image":{"origImageSize":"1200x800","cropthumb":"0,0,1200,800","lastmodified":1657485138968,"alt":"Percentage increases show growth in food prices during the pandemic, from March 2020 to May 2022. 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We asked five economists","abstract":"Inflation may have peaked but that doesn’t mean we’re anywhere near back to normal, experts say.","image":{"origImageSize":"1200x800","cropthumb":"0,0,1200,800","lastmodified":1659048302402,"alt":"‘It’s like a fever that has peaked,’ said Avery Shenfeld, chief economist at CIBC, of inflation. ‘You’re still not going to be feeling very good for a while.’","url":"/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg","sizes":{"1:1":{"small":"https://images.thestar.com/Stn1-1oaMSjfVmkAEhnWm8O3xr0=/0x0:1200x800/100x100/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg"},"3:2":{"small":"https://images.thestar.com/0AgvIFl0-BYL7x8U-2nNbHdvmF8=/0x0:1200x800/114x76/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg","medium":"https://images.thestar.com/ZrfK9SYAAJ6upLW7AAbcR10TnD4=/0x0:1200x800/330x220/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg","large":"https://images.thestar.com/dCfd1-ww6C2KrvACwWw45i9ESMg=/0x0:1200x800/690x460/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg"},"21:9":{"large":"https://images.thestar.com/psS69GCM9VNIbUO_xUnP1iauw6E=/0x0:1200x800/1080x460/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg"}},"nonWebPSizes":{"1:1":{"small":"https://images.thestar.com/RbCLfoQK8GS8fiGMTJMG8LIIaUA=/0x0:1200x800/100x100/smart/https://www.thestar.com/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg"},"3:2":{"small":"https://images.thestar.com/P41XwA8fJt3LACd-4gc3kpiseNg=/0x0:1200x800/114x76/smart/https://www.thestar.com/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg","medium":"https://images.thestar.com/-fOprCkl35qsLjHONqA7sRrL8wQ=/0x0:1200x800/330x220/smart/https://www.thestar.com/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg","large":"https://images.thestar.com/ATbcraNJtruWMbf1sv_Gv8U2LSw=/0x0:1200x800/690x460/smart/https://www.thestar.com/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg"},"21:9":{"large":"https://images.thestar.com/8Sr3d7I_ujEYgv5A_BNmR7pfOOk=/0x0:1200x800/1080x460/smart/https://www.thestar.com/content/dam/thestar/business/2022/07/28/is-the-worst-of-the-inflation-crisis-behind-us-we-asked-five-economists/avery_shenfeld.jpg"}}},"labels":{"section":"Business","trust":null,"special":null},"enableConversations":true,"enableLivechat":false,"publishedepoch":1659002400000},{"url":"/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril.html","assetId":"811e7496-1451-44e6-bc59-8297b3abd85a","headline":"Slaying inflation with high interest rates is class war. It may make Bay Street happy, but it puts the rest of us in peril","abstract":"The Bank of Canada is driven by anti-inflation extremism. It’s the AR-15 method of inflation control.","image":{"origImageSize":"1200x818","cropthumb":"0,0,1200,800","lastmodified":1659191848854,"alt":"Bank of Canada governor Tiff Macklem speaks at a press conference in Ottawa on June 9. When he tried to assure us last month that the bank is aiming for a soft landing, he might as well have offered us some valuable swampland in Florida, Linda McQuaig writes.","url":"/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg","sizes":{"1:1":{"small":"https://images.thestar.com/N_bjWHyKMw13PzoeVPAbJmAoLKI=/0x0:1200x800/100x100/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg"},"3:2":{"small":"https://images.thestar.com/aYR-qa466jSaK8qFGfgQUi5rWnU=/0x0:1200x800/114x76/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg","medium":"https://images.thestar.com/WLm35OL69ilDVb6S13vnrPSkLX4=/0x0:1200x800/330x220/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg","large":"https://images.thestar.com/kX_vs_nztFcFZk0n9Q2PQXSvosY=/0x0:1200x800/690x460/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg"},"21:9":{"large":"https://images.thestar.com/UDDZi3xf0mz1f9yDii14hmW2uFw=/0x0:1200x800/1080x460/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg"}},"nonWebPSizes":{"1:1":{"small":"https://images.thestar.com/p8ITz-Gcjhur2E3_MMhkVU_aIG0=/0x0:1200x800/100x100/smart/https://www.thestar.com/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg"},"3:2":{"small":"https://images.thestar.com/d652n8yoUmgxMAm60avKuSl_T-4=/0x0:1200x800/114x76/smart/https://www.thestar.com/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg","medium":"https://images.thestar.com/8_aG7emK4F0ykC_lLFaf7r5dsSA=/0x0:1200x800/330x220/smart/https://www.thestar.com/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg","large":"https://images.thestar.com/PAuZqdk1frKdQhiL1oTfrQxkHes=/0x0:1200x800/690x460/smart/https://www.thestar.com/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg"},"21:9":{"large":"https://images.thestar.com/VWvBTiRAgbSqtrfvWk33eKuowyU=/0x0:1200x800/1080x460/smart/https://www.thestar.com/content/dam/thestar/opinion/contributors/2022/07/28/slaying-inflation-with-high-interest-rates-is-class-war-it-may-make-bay-street-happy-but-it-puts-the-rest-of-us-in-peril/tiff_macklem.jpg"}}},"labels":{"section":"Contributors","trust":{"name":"Opinion","link":"https://www.thestar.com/trust/glossary.html","description":"Based on the author’s interpretations and judgments of facts, data and events.","type":"trust"},"special":null},"enableConversations":false,"enableLivechat":false,"publishedepoch":1659006000000}]},{"text":"She’s doing everything within her control to save, such as spending loyalty points and taking advantage of sales. ","type":"text","isParagraph":true,"isHeading":false},{"text":"“I am using all of my tools in the tool box right now,” she said, but “I’m still spending more.” ","type":"text","isParagraph":true,"isHeading":false},{"text":"Brown, too, is budgeting carefully when it comes to non-essentials like travel, a new car, or clothing. She feels fortunate to have locked in a fixed rate on her mortgage last year, but knows she has to prepare for renegotiation and higher rates when the term is over.","type":"text","isParagraph":true,"isHeading":false},{"text":"But like Chiwanza, Brown knows it could be much worse. She is significantly better off than she was when she was younger, and she knows that if things get worse, she can take her budgeting to the extreme.","type":"text","isParagraph":true,"isHeading":false},{"text":"“I’ve lived on a lot less than I have now. So if push comes to shove, I can reduce my spending pretty dramatically.”","type":"text","isParagraph":true,"isHeading":false},{"text":"Inflation fades, prices remain","type":"text","isParagraph":true,"isHeading":false},{"text":"The Bank of Canada’s answer to inflation has been to raise its key interest rate in an effort to cool the housing market and create a better balance for Canadian households. But in the short term, that means just another cost for consumers. Those rising rates are starting to affect almost two-thirds of those surveyed for MNP, and half of respondents said if rates kept rising they would be in financial trouble. ","type":"text","isParagraph":true,"isHeading":false},{"text":"MNP president Grant Bazian thinks insolvencies and bankruptcies will go up in 2022 as a result of rising unaffordability. ","type":"text","isParagraph":true,"isHeading":false},{"text":"“Prices definitely don’t seem to be going down,” said Bazian.","type":"text","isParagraph":true,"isHeading":false},{"text":"“(People are) having a really hard time making ends meet.” ","type":"text","isParagraph":true,"isHeading":false},{"text":"Consumers can take heart in the fact that there are signs inflation is subsiding — but they should also remember what that actually means. Inflation is, by definition, an increase in prices. So if inflation slows down to a more normal pace, that doesn’t mean prices will go down across the board — they’ll just rise at a slower rate. ","type":"text","isParagraph":true,"isHeading":false},{"text":"Meanwhile, wages have not been keeping up, and many income assistance programs are not indexed to inflation, noted Macdonald. Many households struggled to pay for the essentials before the pandemic, he said, and though COVID-19 assistance programs buoyed some for a while, many people will be right back where they started pre-pandemic, if not worse off. ","type":"text","isParagraph":true,"isHeading":false},{"type":"textBreakPoint","insertAt":"contentEndBreakPoint"},{"text":"In other words, inflation may subside, but for the most vulnerable among us, the damage is already done. ","type":"text","isParagraph":true,"isHeading":false},{"text":"Rosa Saba is a Toronto-based business reporter for the Star. Follow her on Twitter: @rosajsaba","author":{"janrainUuid":"abae2a33-d6a5-4244-9fa9-fd2bddac8336","author":"Rosa Saba","photo":{"origImageSize":"4133x3004","lastmodified":2700061000,"url":"/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG","sizes":{"1:1":{"small":"https://images.thestar.com/hylwCyuHuH0cPC1xVZRjlcYMu3M=/100x100/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG"},"3:2":{"small":"https://images.thestar.com/cI6BudsARzb1r42I_3ny7PCHxlM=/114x76/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG","medium":"https://images.thestar.com/8WXKj1Y_NlhkVz6evLTodMxD_oQ=/330x220/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG","large":"https://images.thestar.com/nimI7vvGCrCCrk4CwXD9aEoRmbk=/690x460/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG"},"21:9":{"large":"https://images.thestar.com/FUGQfKMHokH-iGHzMFRNzDuJ7CM=/1080x460/smart/filters:format(webp)/https://www.thestar.com/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG"}},"nonWebPSizes":{"1:1":{"small":"https://images.thestar.com/2hWEwuK7Wjm_GpsISe8eWCmeSaE=/100x100/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG"},"3:2":{"small":"https://images.thestar.com/G_kGhQh2Cj-2SvIwS1G_v9OYxAQ=/114x76/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG","medium":"https://images.thestar.com/Ek7S1JY8IChLRnpfiwLud-Q2pZU=/330x220/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG","large":"https://images.thestar.com/EwuYkWjdBW8Jq5bnn4tE9u5ZMkE=/690x460/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG"},"21:9":{"large":"https://images.thestar.com/cfJZGguj7Rr6bMUokuf0rzCjTK4=/1080x460/smart/https://www.thestar.com/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG"}}},"location":"Toronto","tag":"saba_rosa","credit":"Business Reporter","twitterId":"RosaJSaba","email":"rsaba@thestar.ca"},"authorPageUrl":"/authors.saba_rosa.html","type":"endnote","isLast":true},{"type":"shareBar","position":"bottom"},{"type":"trustbar"},{"type":"conversations"}],"assetTags":["consumer_spending","inflation","low_income","starlock","smg_business","InHouseArticle_thestar","economy","brown","personal_finance","david_macdonald","inflation","debt","nicrt1","saba_rosa"],"seoKeywords":"inflation,low-income,Consumer spending,economy,debt,personal finance,smg_business,InHouseArticle_thestar,NICRT1,starlock","excludeInRecommendations":false,"promo":[],"tier":"tier1","related":{"pubdays":0,"strategy":0},"personalizationMetadata":{"inHouseArticle":"true","image":"https://images.thestar.com/uBwC5SNUNn2qg1ABbLXTQW7CkUY=/1280x1024/smart/filters:cb(1660005625803)/https://www.thestar.com/content/dam/thestar/business/2022/08/06/paycheque-to-paycheque-inflation-is-hitting-low-income-canadians-hard/consumerspending_web.jpg","enableLivechat":"false","images":"https://www.thestar.com/assets/img/thestar-ribbon.png","noShow":"false","enableConversations":"true","description":"Rising prices are making it difficult for millions to afford the basic necessities, including food and housing. ","hasImage":true,"section":"Business","abstract":"Rising prices are making it difficult for millions to afford the basic necessities, including food and housing. ","asset_id":"374c66b3-d5e2-4810-bc1e-4b45afc069b1","title":"‘Paycheque to paycheque.’ Inflation is hitting low-income Canadians hard — and its effects are likely to be long-lasting","type":"article","smg_tag":"business","url":"https://www.thestar.com/business/2022/08/06/paycheque-to-paycheque-inflation-is-hitting-low-income-canadians-hard.html","site_name":"thestar.com","enableLivechatadmin":"false","thumbor_image":"{\"imageid\":\"GI71J9LQN.2\",\"origImageSize\":\"1200x800\",\"cropthumb\":\"0,0,1200,800\",\"lastmodified\":1659884884621,\"fullWindowMainart\":false,\"forceoriginal\":false,\"caption\":\"\",\"source\":\"\",\"type\":\"image\",\"credit\":\"Toronto Star Illustration\",\"mainartSize\":\"medium\",\"url\":\"/content/dam/thestar/business/2022/08/06/paycheque-to-paycheque-inflation-is-hitting-low-income-canadians-hard/consumerspending_web.jpg\"}","published_time":"2022-08-06T11:00:00Z","publisher":"https://www.facebook.com/torontostar","last_modified":"2022-08-05T17:20:33.205Z","author_names":["Rosa Saba"],"authors":"[{\"author\":\"Rosa Saba\",\"photo\":{\"origImageSize\":\"4133x3004\",\"lastmodified\":2700061000,\"url\":\"/content/dam/thestar/columnist_logos/Saba_Rosa_logo2019.JPG\"}}]"},"mobileCreditLogoObj":{},"seoHead":"‘Paycheque to paycheque.’ Inflation is hitting low-income Canadians hard — and its effects are likely to be long-lasting","creditLogoDarkObj":{},"chevronTextBGColor":"009988","headline":"‘Paycheque to paycheque.’ Inflation is hitting low-income Canadians hard — and its effects are likely to be long-lasting","subheadline":"Rising prices are making it difficult for millions to afford the basic necessities, including food and housing. ","shortSeoGoogleHead":"Inflation is hitting low-income Canadians hard","removeInterestedInFlag":true,"canonicalUrl":"https://www.thestar.com/business/2022/08/06/paycheque-to-paycheque-inflation-is-hitting-low-income-canadians-hard.html","seoDescription":"Rising prices are making it difficult for millions to afford the basic necessities, including food and housing. ","enableConversations":true,"publishedepoch":1659783600000,"lastmodifiedepoch":1659720033205,"abstractVisible":true,"abstract":"Rising prices are making it difficult for millions to afford the basic necessities, including food and housing. ","relatedLinks":[" Continued here

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Wealthsimple valuation slashed nearly in half by largest shareholder, Power-controlled IGM IGM Financial Inc., IGM-T a subsidiary of Power Corp. of Canada, POW-T revealed in its second quarter financial statements released late Thursday that it had cut the valuation of its 24-per-cent stake in Wealthsimple to $492-million as of June 30, a 47-per-cent drop from its $925-million carrying value on March 31. IGM now carries its Wealthsimple stake at 42.6 per cent of its $1.153-billion valuation as of last Dec. 31. Continued here

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We exist. What can that fact teach us about the Universe? For thousands of years, humans have pondered the meaning of our existence. From philosophers who debated whether their minds could be trusted to provide accurate interpretations of our reality to physicists who’ve attempted to interpret the weirder aspects of quantum physics and relativity, we’ve learned that some aspects of our Universe appear to be objectively true for everyone, while others are dependent on the actions and properties of the observer. Continued here

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America's new "national teacher shortage" is neither new nor national The narrative goes as follows. America is suffering from a nationwide teacher shortage. Teachers have been leaving the profession for years, but recent stresses from the pandemic and the culture war have caused the entire profession to hit a tipping point. Educators are leaving in droves. School leaders are using desperate measures to recruit. Some districts are offering five-figure bonuses. Florida is allowing military veterans without the usually required qualification of a bachelor’s degree to teach while taking college classes. Some rural schools are even resorting to four-day school weeks. Continued here

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When Poe Invented the Detective Story, He Changed the Literary World Forever Even though literature had, for centuries, brimmed with clever problem-solvers, from tricksters to reformed thieves to wise men to police prefects, Edgar Allan Poe's detective story, "The Murders in the Rue Morgue," still awed the literary world when it appeared in 1841. A gruesome double-murder has taken place in a home along the Rue Morgue (a fictional street in Paris). Several witnesses confirm having heard several voices, but no one can agree on what language one of the speakers may have been using. Several clues linger about, each more baffling than the next. The police are stumped. But C. Auguste Dupin, a chevalier and rare book aficionado, solves the mystery at home after reading the details in the paper, becoming literature's first bona fide detective character and starting a genre revolution. He would appear again in two more stories, "The Mystery of Marie Rogêt," published from 1842 to 1943, and "The Purloined Letter" in 1844. Continued here

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The Winners and Losers of the 2022 MLB Trade Deadline Juan Soto is officially a Padre, contenders across the AL leveled up, and the Orioles … well, that’s another story Continued here

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'If we lose, we're going to do it on our terms': Chargers' Brandon Staley on math, mindset Staley stands up and walks over to the bookcase along the back wall of the office, next to his desk. He kneels and scans the shelf with his index finger until he finds what he is looking for — “The Undoing Project” by Michael Lewis. Staley pulls it out and starts flipping through the pages as he walks back to the couch and sits down again. With the book resting on his lap, he turns page after page, searching for a specific passage. Continued here

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Everything You Wanted to Know About the Drama-Filled 'Don't Worry Darling' Press Tour (but Were Afraid to Ask) From spitting and spritzes to Chris Pine memes and papers being served, here’s an annotated look at the ‘Don’t Worry Darling’ press tour of absurdity Continued here

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Man vs Machine: Delivery driver fights algorithm in Bollywood film A Bollywood gig worker and his struggles with the algorithm could help change consumers' views of the industry Continued here

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From local Chinese restaurants, to housing estate chippies: meet the food writer celebrating where we really eat ‘I always get nervous when people ask me to choose a restaurant, because I know deep down it’s a test,” says the food writer and editor Jonathan Nunn. We’re meeting for lunch to discuss London Feeds Itself, a collection of essays exploring the spaces where Londoners eat, and I have asked Nunn, the collection’s editor, to suggest where. Continued here

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You Should Saut Apples are wonderful when baked, play well with other flavors, and are fairly versatile. Apple cakes, pies, crumbles, and tarts, make for excellent gifts, breakfasts, or snacks...and who can turn down an apple cinnamon anything? The downside is that when raw apples are added to desserts, it can lead to leatheriness and undercooked fruit that’s tough to cut through. But you can fix that by sautéing your apples first. Continued here

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Cult of the Lamb is a baaaalm in Gilead I’m putting Cult of the Lamb on my game of the year shelf right next to Elden Ring. The dark yet cutesy cult simulator roguelike mixes the best parts of Animal Crossing with all the fun of a dungeon-crawling murder fest. The unique way the game combines these two disparate elements makes it more than worthy of claiming a spot on 2022’s game of the year list. Continued here

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NFT expert imagines a hopeful future where poor people serve as 'real-life NPCs' in games If you thought gold farming was bad, wait until you see this vision of the future. Continued here

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For Author Mo Willems, Dinnertime Is No Excuse To Stop Drawing If you’ve been in a classroom, library, or children’s section of a book store any time in the past 20 years, you’ve probably encountered author-illustrator Mo Willems. If you have children yourself, there’s a high chance you have read, or will read, his books to those kids every night for a good number of years. Willems has created more than 65 children’s books (or, as he says, “books for children and former children”), and his characters, from Elephant and Piggie, to Knufflebunny and The Pigeon, have become some of the most beloved of a generation. His latest book, The Pigeon Will Ride the Roller Coaster!, hit the shelves Sept. 6 and delivers all the laughs and Pigeon-y wisecracks we’ve come to expect from the prolific author. Continued here

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'Parents are frightened for themselves and for their children': an inspirational school in impossible times Take a short bus ride south-east, from under the dome of the Queen's College on Oxford High Street, past the aloof spires of Magdalen College and beneath them the tourists wobbling in their rented punts, past the botanical gardens, the cricket fields and sculls of Magdalen College school, the Iffley Road sports grounds where Roger Bannister ran his four-minute mile, past a sign for the City of Oxford Rowing Club, and the city begins to thin into green surrounding hills and a view, as Cardinal Newman once wrote to a friend from his rooms in Rose Hill, "too good for me". Continued here

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Queen Elizabeth II's Death Has Major Implications for Scotland The U.K.’s longest reigning monarch, aged 96, the Queen had suffered several years of ill-health. Her son Charles, who has immediately become King of Great Britain and Northern Ireland, and his wife Camilla, now Queen Consort, have gathered with the rest of the royal family at Balmoral and will remain there until Friday, Buckingham Palace said in a statement. Continued here