Climate change, the “red-blue” debate

Date:          22 April 17

By:              Frank Gue, B.Sc., MBA, P.Eng.,

Burlington, ON L7R 2B5    905 7634 9538

For:             Whom it may concern

Re:              Climate change, the “red-blue” debate

This proposal is useful and thought-provoking.  One of the thoughts, unfortunately, is that the scientific-public-media-education-etc. milieu at present is so heavily biased against AGW skepticism that skeptics find it nearly impossible to be heard.  The evidence for this is so personally and publicly overwhelming (books are written) that I will not drag us through the endless proofs thereof.

Being a bachelor of science, I try always to find and fall back as far as I can reach for a scientific tool that may silence the chaos and enable clear thinking.  The Scientific Method is a robust, time-tested, and respectable candidate for such a tool.  So, taking a deep breath, let us charge in with it. It has four steps and an addendum from me:

1.  Collect and organize data.  Goodness, haven’t we just collected data!

2.  Form an hypothesis that might account for such a body of organized data.  Yes, we have as candidates solar cycles, AGW, CO2, etc.

3.   Test the hypothesis.  No, we have not and cannot ever test the hypothesis; because there are literally scores (hundreds?) of independent variables, and any result will be forever indeterminate.  (one failure invalidates the “law”  – Einstein)

4.  Write a law such as Ohm’s Law (current = voltage divided by resistance, which hasn’t ever failed).  No, since we didn’t do #3, we cannot do #4.

Gue’s addendum:

5.  Continuously challenge the law.  Note that, 100 years later, articles still appear attempting to defeat relativity.

We cannot do Steps 3, 4, and 5.  Therefore, although we have quite easily proven that there is climate variability, we cannot prove AGW or any other hypothesis.

– end –

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How banks scoff your money

Date:         19 April 2017

By:             Frank Gue B.Sc., MBA, P.Eng.,

2252 Joyce St., Burlington, ON L7R 2B5

905 634 9538    <frank.gue@cogeco.ca>

For:            Producers, Metro Morning, CBC Radio 1

cc:              Letters, TheSpec, Hamilton

Re:             Your series re Bank processes –  my file TD Time to Pay

Dear Producers:

My Rebate Reward statement (TD Bank credit card) says in part in the Bank’s own words, (rearranged to make sense in terms of a householder’s budget):

New balance:                      $ 3,444.43

Minimum payment:            $      10.00

The estimated time 

to pay your new balance

if you pay only the 

minimum payment

each month is:                    41 years and 3 month(s)

The statement in bold italics above is not true.  In fact, the time to pay $3444.43 with the bank’s suggested $10.00 monthly would accumulate forever at the stated interest rate of 19.99% since the monthly interest far exceeds the bank’s $10.00/month minimum payment.

Further, since 53% of adult Canadians are innumerate according to StatsCan, a very large number of Visa credit card holders are unaware of what that 19.99% interest rate is doing to them.  This public ignorance is very helpful to the banks.

If you were to ask Mr. Frank Psoras, VP Credit Cards, TD Canada Trust, POB 3000, Toronto M5K 1K6, for a demo of how this $10/month payment would retire the  $3,444.43 decremented at $10 per month, you might get what I did, i.e. a long string of minus $10 entries which is arithmetically correct but is a trivial answer to a different question.

Small wonder the banks receive (note: not “earn”) profit by the billions through economic thick and thin without providing any service or incurring any cost whatever.

Since we must all use banks, it’s a classic “gotcha”; because they have other devices they can then use that I could detail.

You do good investigative work: this belongs with it.

Best,

Frank Gue,

Professional Engineer.

Date:         19 April 2017

By:             Frank Gue B.Sc., MBA, P.Eng.,

2252 Joyce St., Burlington, ON L7R 2B5

905 634 9538    <frank.gue@cogeco.ca>

For:            Producers, Metro Morning, CBC Radio 1

cc:              Letters, TheSpec, Hamilton

Re:             Bank processes – your series – my file TD Time to Pay

My Rebate Reward statement (TD Bank credit card) says in part in the Bank’s own words, (rearranged to make sense in terms of a householder’s budget):

New balance:                      $ 3,444.43

Minimum payment:            $      10.00

The estimated time 

to pay your new balance

if you pay only the 

minimum payment

each month is:                    41 years and 3 month(s)

The statement in bold italics above is not true.  In fact, the time to pay $3444.43 with the bank’s suggested $10.00 monthly would accumulate forever at the stated interest rate of 19.99% since the monthly interest far exceeds the bank’s $10.00 minimum payment.

Further, since 53% of adult Canadians are innumerate according to StatsCan, a very large number of Visa credit card holders are unaware of what that 19.99% interest rate is doing to them.  This public ignorance is very helpful to the banks.

If you were to ask Mr. Frank Psoras, VP Credit Cards, TD Canada Trust, POB 3000, Toronto M5K 1K6 for a demo of the arithmetic suggested by this $10 payment, you might get a long run-down of $3,444.43 decremented at $10 per month, which is arithmetically correct but is a trivial answer to a different question.

Small wonder the banks receive (note: not “earn”) profit by the billions through economic thick and thin.  Since we must all use banks, it’s a classic “gotcha”; because they have other devices they can then use that I could detail.

You do good investigative work: this belongs with it.

Best,

Frank Gue,

Professional Engineer.