Most Popular Editorials: If Your Co-Workers Are 'Quiet Quitting,' Here's What That Means

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If Your Co-Workers Are 'Quiet Quitting,' Here's What That Means The phrase is generating millions of views on TikTok as some young professionals reject the idea of going above and beyond in their careers, labeling their lesser enthusiasm a form of "quitting." It isn't about getting off the company payroll, these employees say. In fact, the idea is to stay on it—but focus your time on the things you do outside of the office. Continued here

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Your boss is burned out - but terrified to tell anyone. Business leaders are crumbling under the pandemic's relentless pace of work It is one of the central findings of research being released on Tuesday from Deloitte and LifeWorks that digs into the well-being of senior leaders. More than half of the 1,200 participants surveyed across 11 private and public sector organizations, including Royal Bank of Canada and Trillium Health Partners, said workplace stigma still deters them from revealing their mental health woes. Continued here

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TikTok and the Fall of the Social-Media Giants Last month, Blake Chandlee, TikTok’s president of global business solutions, was asked if he was concerned about competition from existing social-media networks like Facebook. Chandlee, who spent more than twelve years at Mark Zuckerberg’s company before moving to TikTok, dismissed the idea. “Facebook is a social platform. They’ve built all their algorithms based on the social graph,” he said, referring to the network of links to friends, family, and casual acquaintances that Facebook users painstakingly assemble over time. “We are an entertainment platform. The difference is significant.” Chandlee appeared to be responding to recent moves made by Facebook. Last year, the company integrated a TikTok-style short-video format called Reels directly into its main app. Then, in an internal memo sent this spring, Tom Alison, a senior executive at the social-media giant, announced a plan to modify the platform’s news feed to focus more on these short videos, tweaking the algorithm to display the most engaging content, even if these selections are “unconnected” to accounts that a user has friended or followed. Facebook, it seems, is moving away from its traditional focus on text and images, spread among people who know one another, to instead adopt TikTok’s emphasis on pure distraction. This shift is not surprising given TikTok’s phenomenal popularity, but it’s also shortsighted: platforms like Facebook could be doomed if they fail to maintain the social graphs upon which they built their kingdoms. Continued here

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The American Mall's Long Goodbye Thao Thai (she/her)Thao is a writer based in the Midwest. Her work has appeared in Catapult, Eater, Cup of Jo, and other publications. Her debut novel, Banyan Moon, comes out in summer of 2023.  IT… Continued here

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5 Signs You Are Being 'Quiet Fired' From Your Job To be clear, quiet firing is different from the popular “quiet quitting” trend you may have heard about on social media. While employees who quiet quit are choosing to do the bare minimum in their role while they search for their next career move, employers are in control of quiet firing. People are managed out rather than up. Continued here

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5 Best Foods to Eat for Heart Health Add these heart-healthy choices to your shopping list to help prevent heart disease. Continued here

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“Why Is My Hair Changing Texture and When Should I See a Professional?” Over the past few months, I've observed something strange happening to my strands. Where before I had largely uniform curls sprouting from my scalp, individual hairs have become coarse, brittle and more prone to breakage. Some are much thicker than others, some much thinner. Occasionally I will pluck a hair from my head to find it has multiple thicknesses along the one shaft. Continued here

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Finding Mental Health Issues Hidden in the Past According to our lord and savior WebMD, generalized anxiety disorder (GAD) means I have an “excessive, exaggerated anxiety and worry about everyday life events for no obvious reason” and “tend to always expect disaster and can’t stop worrying about health, money, family, work, or school.” Continued here

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Help! Everyone in My Office Is Pressuring Me to Date My Older Co-Worker. The sexual desire on my part is nil. Continued here

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How to Use 'Monk Mode' to Change Your Life in Just a Week We tend to think of January as the month for new beginnings, but science disagrees. According to many experts, September is actually the best month to kick off new habits or start reimagining your life. Thanks to at least a decade of training as kids, most of us still have a gut sense that the back-to-school month is a time for fresh starts. Plus September lacks the winter gloom, holiday comedown, and credit card bills of January.  Continued here

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Bank of America: New zero down payment mortgages for first-time buyers Residents in selected Charlotte, Dallas, Detroit, Los Angeles and Miami neighborhoods will be offered the program first. Continued here

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How to Get 100% of Your Student Loans Forgiven Through the Borrower Defense Program Last week, President Biden announced that millions of Americans may be eligible for up to $10,000 in federal student loan forgiveness—up to $20,000 for those who received Pell Grants—with additional support in the form of lower monthly payments and unpaid interest coverage for future borrowers and those who owe more on their loans. Continued here

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Forget meme stocks: 'The smartest people in finance do one thing,' says investing expert Eric Balchunas, a senior exchange-traded fund analyst at Bloomberg, expressed a similar sentiment. "If your goal is to stick it to the billionaire Wall St ppl/apparatus then just buy and hold a cheap index fund. That's only way to do it. And you'll get wealthy in process, a two-fer," he wrote on Twitter. Continued here

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Scooters and 3-wheelers are really what's driving an EV revolution Strong sales in China, India, and Vietnam contribute to a global fleet of 275 million vehicles. Continued here

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Apple's Killing the Password. Here's Everything You Need to Know For years, we’ve been promised the end of password-based logins. Now the reality of a passwordless future is taking a big leap forward, with the ability to ditch passwords being rolled out for millions of people. When Apple launches iOS 16 on September 12 and macOS Ventura next month, the software will include its password replacement, known as passkeys, for iPhones, iPads, and Macs. Continued here

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Yes, the Universe really is 100% reductionist in nature Here’s a statement, and you can experience for yourself how you feel about it: the fundamental laws that govern the smallest constituents of matter and energy, when applied to the Universe over long enough cosmic timescales, can explain everything that will ever emerge. This means that the formation of literally everything in our Universe, from atomic nuclei to atoms to simple molecules to complex molecules to life to intelligence to consciousness and beyond, can all be understood as something that emerges directly from the fundamental laws underpinning reality, with no additional laws, forces, or interactions required. Continued here

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An astronomer thinks alien tech could be on the ocean floor. Not everyone agrees A meteor streaks across the sky during the annual Perseid meteor shower in August 2021 at Spruce Knob, in West Virginia. A Harvard astronomer thinks a meteor on the floor of the South Pacific Ocean could be a technological object created by aliens. Bill Ingalls/NASA hide caption Continued here

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Why medieval Europeans used to put "bad" animals on criminal trial You’re sitting on the sofa — feet up, glass in hand, and feeling relaxed for the first time all day. Suddenly, like some jungle predator, your cat jumps up on your book case. With tail-swishing swagger, she moves along to the photo frame, pausing to look at you. There’s something in her eyes. Some intent. With the most callous of tiny nudges, she paws your photo off the shelf and it shatters on the ground. She did that deliberately, you think. She always does things like that. Continued here

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'A new way of life': the Marxist, post-capitalist, green manifesto captivating Japan In practical terms, that means an end to mass production and the mass consumption of wasteful goods such as fast fashion. In Capital in the Anthropocene, Saito also advocates decarbonisation through shorter working hours and prioritising essential "labour-intensive" work such as caregiving. Continued here

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USC's unapologetic resurgence as college football's most hated team: 'Sports needs villains' Lincoln Riley and the Trojans are going to do everything in their power to win now, and they're not going to apologize for it. Continued here

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Will Bill Belichick's Big Coaching Gamble Backfire? In a pivotal year for Patriots quarterback Mac Jones, Belichick made the riskiest coaching move of 2022 and turned the offense over to a pair of failed head coaches. What could possibly go wrong? Continued here

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Twilight of the A-list: has the 21st century killed off the movie star? These are dark days for movie stars. The new Brad Pitt action-comedy Bullet Train took $30.1m (£24.6m) on its opening weekend in the US – a solid enough figure to top the domestic box office chart, but unspectacular given the film’s $90m budget and Pitt’s star power. One of the few actors who can still “open” a film, Pitt represents an increasingly endangered breed: the movie star who refuses to do TV. Continued here

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Camilla, the new Queen Consort Full acceptance from Queen Elizabeth II took time, but in her final years she was unequivocal in her support for Camilla. The new Queen may never achieve full acceptance from the public, but as she said herself, in an interview with Vogue magazine earlier this year: "I sort of rise above it and get on with it. You've got to get on with life." Continued here

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The Recipe Convention That Dooms Home Cooks My job is to help chefs write cookbooks, but I bumbled into the occupation with little culinary skill of my own. A specialist in preparing undercooked chicken, overcooked salmon, and incinerated broccolini, I am as familiar as any lay person with the myriad ways in which written instruction can fail amateurs in the kitchen. The goal of a recipe is to bridge the experience of a person who has already mastered a dish with that of a person who would like to make it for dinner. The key to writing a good one lies in assessing the size of the chasm and identifying the information necessary to shrink it—yet there is no closing it completely. Too many variables are impossible to control. One stovetop burner’s medium-high is another’s medium-low. Two and a quarter pounds of winter squash might be sugary sweet one time and bland the next. Detail must be sacrificed to the brutal spatial constraints of print publishing: “mix until dough forms.” What’s more, culinary technique often requires the sort of nuance that defies verbal description, as anyone who has ever attempted to explain the pleating of dumpling wrappers can attest. Continued here

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Which diet will help save our planet: climatarian, flexitarian, vegetarian or vegan? A climate-friendly diet is a relatively easy way to reduce your environmental impact. Continued here

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WSJ News Exclusive | YouTube Advances Plans for Streaming Video Marketplace You will be charged $ + tax (if applicable) for The Wall Street Journal. You may change your billing preferences at any time in the Customer Center or call Customer Service. You will be notified in advance of any changes in rate or terms. You may cancel your subscription at anytime by calling Customer Service. Continued here

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Roblox is ready to grow up Now, those kids are getting older, and Roblox is trying to grow up, too. The all-ages, user-generated gaming platform is announcing plans today to add age guidelines to its games and significantly expand its advertising business as it works to court an older demographic, expand its revenue streams, and still support the needs of its millions of young players. Continued here

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My Daughter's Friend Is Being Ridiculed Because Her Parents Don't Understand Basic Hygiene Her mother thinks it’s “too adult.” Continued here

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My Kids Chose My Ex Over Me Parenting advice on custody battles, moving, and fundraising. Continued here

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Essential Reading: Remembering September 11, 2001 The day September 11, 2001, is burned into America’s collective memory. And if you’re of a certain age, you remember exactly where you were when you realized the magnitude and horror of what was happening. In many ways, that reckoning has never ended. More than 20 years later, we’re still struggling to comprehend that day, and the world it created. Continued here

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'I cannot mourn': Former colonies conflicted over the queen Beyond official condolences praising the queen’s longevity and service, there is some bitterness about the past in Africa, Asia, the Caribbean and elsewhere. Talk has turned to the legacies of colonialism, from slavery to corporal punishment in African schools to looted artifacts held in British institutions. For many, the queen came to represent all of that during her seven decades on the throne. Continued here

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A dirty discovery: What I learned about Airbnb's trip protection after an epic vacation rental fail - The Points Guy Note: TPG emailed Airbnb on Friday afternoon to give the company an opportunity to respond to this story. Continued here

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These 4 WA destinations are worth a road trip before summer ends Washington is a natural wonderland and there's no better time to explore than summer. From the Methow to Mount Baker and beyond, here are four road trip ideas. Continued here

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Your Career Is Just One-Eighth of Your Life Career advice as a genre is almost fatally flawed. With 160 million American workers across thousands of occupations in hundreds of industries, saying anything that is of use to all of them is practically impossible. The most common counsel is almost always too personal to be broadly applicable. My toes curl with embarrassment when successful people say anything along the lines of “Just do these three things I did.” Autobiography is not advice. Given how poorly most people understand themselves, it’s barely even autobiography. 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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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. 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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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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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Never Ignore These Types of Back Pain It often feels like after a certain age, back pain becomes a fact of life. This discomfort doesn’t have to be inevitable: You can keep the aches and pangs at bay with the best stretches and yoga moves to relieve back pain. Unfortunately, because an achy back is seen as so common, many people are quick to dismiss signs that something more serious might be going on. Here are some signs that your back pain is out of the ordinary and should be looked at by a a doctor or a physical therapist: Continued here

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Is losing weight an important health goal? Losing weight might sound like the answer to all health problems -- but is that science or stigma? Experts share the more complicated connections between weight and health and how to focus on sustainable changes for your holistic wellness. Continued here

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How to Use the Emergency SOS Feature on Your Smartphone If you use an iPhone, the Emergency SOS feature allows you to quickly call the emergency services in whatever country you’re in and let one or more chosen contacts know that you need help. First you’ll need to set those contacts up. From the Health app, tap your profile picture, then choose Medical ID. Continued here

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The cloud computing giants are vying to protect fat profits When chief executives ring the closing bell at the Nasdaq stock exchange in New York, it is usually because their firm has just gone public. When Adam Selipsky did so on June 27th, he was celebrating a tie-up with the bourse. He is the boss of Amazon Web Services (aws), the tech giant’s cloud-computing arm, and the deal is part of the exchange’s shift of its stockmarkets to aws’s cloud. Tailored features include data transfer with minimal delay, which should please high-frequency traders. Nasdaq’s customers will be able to use aws’s advanced analytics tools, such as machine learning (ml), through the stock exchange’s platform. Continued here

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Europe Is Sacrificing Its Ancient Forests for Energy Forests in Finland and Estonia, for example, once seen as key assets for reducing carbon from the air, are now the source of so much logging that government scientists consider them carbon emitters. In Hungary, the government waived conservation rules last month to allow increased logging in old-growth forests. Continued here

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NASA's Space Launch System is yesterday's rocket On december 14th 1972 Eugene Cernan, commander of Apollo 17, took a last look around the Taurus-Littrow valley, climbed his lunar module’s ladder and blasted off for home. His were the final footprints so far pressed into the Moon’s surface. Indeed, no human being since then has ventured more than a few hundred kilometres from Earth. Continued here

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What's Actually Being Taught in History Class In 2020, amid widespread protests over racial inequality, some conservative activists began using critical race theory, or C.R.T., as a catchphrase. They claimed that C.R.T., a decades-old scholarly framework that raised questions about structural racism and inequality, was infiltrating modern-day classrooms. Continued here

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I Went to Trash School An education in “juice,” how to protect your shins, and keeping 12,000 daily tons of garbage at bay. Continued here

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FMIA: Ja'Marr Chase Is On A Quest For Greatness And How Aaron Rodgers Learned to Love Himself - ProFootballTalk Peter King's 2022 Training Camp Tour continues with stops at the Bengals, Packers, Titans and Bears camps. Continued here

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The Banshees of Inisherin review – a Guinness-black comedy of male pain Martin McDonagh's new film is a macabre black comedy of toxic male pride and wounded male feelings, a shaggy-dog story of wretchedness and a dance of death between aggression and self-harm, set on an imaginary island called Inisherin off the Irish coast. It's happening in 1923 during the civil war; the additional symbolic acrimony is offered to us on a take-it-or-leave-it basis. Continued here

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Celebrity Voice Acting Needs to Evolve or Die The big movie of the weekend is the CG animated film DC’s League of Super Pets, which famously stars a range of established actors, headlined by Kevin Hart and eventual Black Adam Dwayne Johnson. Super Pets joins Disney’s Lightyear from earlier this month, along with the now finally released Paws of Fury, in being animated films whose cast is made up of big name actors rather than voice actors. And in recent months, the shine around this trend has started to fade, if not dim out completely. Continued here

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35 Incredibly Cool Charts About Cooking And Food That Will Make You So Much Smarter Reading this is like taking a cooking course in a five minutes. Continued here

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Would You Eat Grasshoppers at 35,000 Feet? Uganda Airlines’ plan to add a local delicacy to its menu causes us to question who and what determines “international cuisine”. Continued here

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Dredge is a gorgeous Lovecraftian fishing RPG that deserves your attention The fishing horror was my favourite thing at gamescom and I'm already desperate for more. Continued here

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Reporting on Parenthood Has Made Me Nervous About Having Kids When people ask me what I cover as a journalist, they are usually amused to learn that I write about parenting without having kids myself. This fact is less amusing to me, but I typically just laugh along and say something about how the job is pretty useful preparation. It certainly has been a phenomenal education, but also a sobering one. Over these years of reporting on parenting, I’ve become more worried about actually doing it myself someday. Continued here

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Wait, Am I Really Supposed to Help My Teen With Their Schoolwork? Real-life teacher advice on homework, motivation, and reading. Continued here

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Elected officials, police chiefs on leaked Oath Keepers list The names of hundreds of U.S. law enforcement officers, elected officials and military members appear on the leaked membership rolls of a far-right extremist group that’s accused of playing a key role in the Jan. 6, 2021, insurrection at the U.S. Capitol, according to a report released Wednesday. Continued here