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More homeowners facing insolvency

Canadians have long been struggling with personal debt, but Scott Terrio, a manager at Hoyes, Michalos Licensed Insolvency Trustees told The Hub that the bigger story is who is now feeling the pinch.

“The big thing we’re seeing now that we weren’t seeing a year ago or a year and a half ago is homeowners calling us…. We didn’t speak to homeowners for a decade in this industry because of the housing boom. When houses are going up 20 percent a year, and you’re swimming in equity, you don’t need an insolvency trustee.”

The latest data from Statistics Canada reveals this marked increase in household debt, up 4.4 percent from a year prior. Canadian households now have the highest debt burden among G7 countries and the second-highest of 38 Organisation for Economic Co-operation and Development countries (only Switzerland is higher).

Hoyes Michalos has a homeowner bankruptcy index, which shows that insolvent homeowners have an average of $112,000 in unsecured debt in addition to their mortgage. The index shows that the percent of bankruptcy filers who own homes has increased from 0 percent in 2022 to 11 percent today and “we are going to be back at 36 at some point. Guaranteed,” Terrio added.

The fact that 1 out of every 7 dollars is now being spent on debt payments verifies the wisdom of the Teacher in Proverbs 22:7 when he said that “the borrower is slave to the lender.” A home can be very attractive, especially when home values increase year after year. But the Great Teacher also reminds us in Luke 14:28 to first count the cost: “For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it?” Sadly, many don’t, and are now paying for it.

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Saturday Selections – June 6, 2026

When a famous apologist dismisses the Bible... William Lane Craig is such an acclaimed apologist that many a conservative Christian has heard him praised. But when it comes to Craig's thoughts on the opening chapters of Genesis, Donall and Conall have some problems with him. Why wokeness is a Christian heresy "First... critical theory misunderstands who we are by assuming that the only relevant fact about us is where we fit within the various categories of oppression. We are the group we belong to, which serves a social role as either oppressor or oppressed. As such, this theory rejects any universals that unite humanity, including the image of God. "Second, the understanding of sin, or what’s wrong with the human condition, is limited to oppression. In this view, oppressors are guilty and the oppressed are innocent." Push for mandatory abortion for pregnant minors highlights what's going on behind the scenes One mistake frequently made in the abortion battle is that we forget what the other side wants. If we were debating Nazis, we wouldn't forget that they want to gas Jews. But when we discuss abortion, we regularly forget that the people we are talking to want babies murdered. We forget that the other side isn't just wrong, but is evil. I don't say that to foster hatred, or anger, but rather to highlight that this isn't some polite debate between two parties looking to each score their points. This is a spiritual battle that needs a spiritual response. We need to speak not just logic, but preach the gospel. When a monstrous wrong is called a right, people shouldn't get told to reconsider, but need to be called to repent. And if you have any doubts about the spiritual aspect of this battle, then read this article, where the evil is even more unvarnished, with a British Columbia (what is it about BC?) philosophy professor pushing for mandatory abortion for pregnant minors. Tim Challies: Go ahead, bring a knife to a gunfight "You may wish you had the sword of compelling argument, the rapier of sharp and thrusting wit, or the spear of the perfect put-down. However, God may not have gifted you in any of these ways. Yet there is always something you can do, and there is always some weapon you can wield. Don’t sit around pining for what you don’t have, but resolve to use what you do have...." End supply management – for the sake of Canadian consumers Why do Christians want a free market rather than socialism? Well, one good reason is, we know only God is omniscient, so the government simply doesn't have the capacity to know how much of everything should be produced, and who should get how much, and for what price. Meanwhile, Canada's supply management operates under just those presumptions. In the name of helping farmers, it limits what farmers can produce to deliberately drive up the price of their goods. And who pays that price? "According to a Fraser Institute estimate, supply management adds roughly $375 a year to the average Canadian household’s grocery bill. Because lower-income families spend a much higher proportion of their income on food, the burden falls most heavily on them." Another solid biblical reason to oppose socialism? We are called to "Do unto others as you would want done to you" (Luke 6:31). If it doesn't strike you as wrong that poor families are being forced to support farmers by being required to pay artificially higher prices, imagine if the same was happening to your own favorite goods: your car, your house, or your jeans. Have you thought about how helpful it would be for those goods' producers if they were making more money off of your purchases? So why not get the government to restrict production there too, so that prices will rise? Wouldn't such government intervention be good for every producer? So why not make it universal? Because it would hurt consumers enormously. And it would hurt producers too – anyone who had any inputs in their production process would be paying higher costs for everything, making their own goods less competitive on any international markets. It would hurt consumers and it would hurt productivity. So why would do we think it a good idea for eggs and dairy? A presuppositional rock song This could make a good final exam for our Christian schools – to graduate you must be able to understand and apply what this rock song is talking about. ...

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Saturday Selections – May 30, 2026

When John MacArthur visited a philosophy class In this clip John MacArthur starts off sounding quite arrogant – he says he sees everything clearly. but he isn't boasting about himself and his intellect. He's boasting about what he – and what we – have been given. And Christians should not be humble about the greatness of our God! "As a Christian, you and I share this in common: I see things clearly. I see the world clearly. In fact, I often wonder why I'm not on more programs giving the right answer to everything. It's all very clear to me. Everything is clear to me. I understand where the world came from, where it's going. I understand all of that. I understand why things happen the way they happen. I understand life and death and life after death and heaven and hell and morality and immorality. I understand it all. I understand why the world is the way it is. Why people act the way they act. Am I particularly intelligent? No. Am I particularly wise? No. I just have the mind of Christ here in this book." 4  reasons Christians should study evolution (10 minute read) "As a science teacher in Christian schools, I’ve noticed a predictable progression when students begin studying evolution. They start with a mocking attitude that 'evolution is stupid.' But when I present the details accurately, a bewildered hush falls over the class. Quizzical looks are followed by raised hands and vociferous objections. They sound betrayed. "Finally, as they discover biblical answers from the creation perspective, light bulbs turn on, and their perplexity is replaced with relief. They then are able to communicate their thoughts about origins more coherently and confidently. "We fall short if we tell Christian youth that the study of origins doesn’t matter or that it’s a side issue. We underestimate evolution’s threat to their faith..." What gives something value? As Christians we generally have a negative view of subjectivity – morality certainly isn't subjective. But whether chocolate or vanilla ice cream is best certainly is. Marx thought that a product's value came from the workers and how much effort was putting into building something. That makes some intuitive sense, because things that take a lot of man-hours to build – like a house – are more expensive than things that take very little human labor, like, say, a candy bar. But products can take a lot of man-hours to produce and still have no value at all – think Google Glass, or that phone Amazon tried to market years back. These are products that had hundreds and maybe thousands of people involved in making them, but no one wanted them. Despite the many man-hours, they weren't worth a dime. So what makes something valuable is dependent on what people think about it. Bitcoin is an example, valuable because people say it is. And diamonds too. This is important because it highlights how markets – the free exchange of goods – help us figure out what people will value. And government interference with markets makes it much harder to know what people value. By way of example, a story is told of how the Soviet Union, for efficiency's sake produced right boots in one factory and left boots in another. But then, one day the right boot factory burnt down, forcing the left boot factory to offer pairs of two left boots. And you know what? Demand didn't drop. Because if your choice in a wintery climate is no boots at all, or two left boots, you'll go with two left boots. So, from the Soviet government's perspective, they'd have no feedback telling them that people actually hate their product. "Sales" would seem to show that it is still popular indeed. The documentary hypothesis – an attack on the books of Moses dismantled A friend who went to Calvin Seminary was taught there that the books of Moses might not be by Moses, and were instead by 4 others – this was known as the documentary hypothesis or the JEDP theory (each initial standing for one of those four "editors"). I don't know that this registered with him as an attack on the Bible – it might have seemed just trivia at the time. But those behind the theory didn't see the Bible as God's Word. They saw it as a work of men, revised, edited, corrected and reworked. Some years later that friend now doubts what the Bible says about homosexuality and I wonder if his slip into liberalism is connected with what he swallowed about Moses so many years ago – after all, if he believed the Bible was edited then, why couldn't he edit out the parts he doesn't like now? But the JEDP theory was always wrong, and has become all the more clearly so now. This isn't an article for everyone, but it caught my eye because of my friend, and because this is from the folks behind "The Patterns of Evidence" film series, and relates specifically to their documentary The Moses Controversy.  Math from a Christian worldview? "Math can be a challenging subject to teach from the Christian worldview. But consider looking at it through the framework of Truth, Hope, Identity and Calling." This three-page resource could be a help to any Christian math teacher you know... and intriguing to anyone who might be math-minded. What if the Bible was right about sex? Christians, we need to be bold about the truth God has entrusted to us in His Word. When it comes to sex, as this video shows, it can be as simple as pitching the fruit of the Bible's sexual ethic vs. the fruit of the sexual revolution.  ...

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“Transition” victims decry conversion therapy law

In early May, seven people hosted a press conference in Ottawa to express their concerns with Canada’s conversion therapy law. This law bans any practice, treatment, or service designed to help someone identify with the sex that God gave them – if, for example, a man feels effeminate, but wants help aligning his feelings with his male reality, this law bans professionals (including pastors) from helping him. But the group’s unspoken petition was to ban sex-denying medical interventions like puberty blockers, cross-sex hormones, and surgeries. Each of the seven took their turn at the microphone. Parent Jeff Evely shared how an Ontario hospital tried to surgically “transition” his teenage daughter without his consent. Scott Newgent shared her testimony of how these sex-denying interventions led to lifelong health challenges. Mia Hughes, a senior fellow at the Macdonald-Laurier Institute and the Director of Genspect Canada, described the lack of evidence to support these medical practices. Kellie-Lynn Pirie, a detransitioner and founder of the DeTrans Alliance Canada, Dr. Ann Gillies, a former therapist, and Barry Neufeld, the former Chilliwack school trustee who was fined $750,000 by the BC Human Rights Tribunal for speaking out against gender ideology, also offered brief remarks. But perhaps the most moving comments were offered by Faith Groleau, who shared her personal story of the dangers of ideological gender medicine. She described being born with a hole in her diaphragm that required extensive surgery as a newborn to fix. At the age of two, she was sexually assaulted. That assault broke her collarbone, reopened that diaphragmatic hole, and rammed much of her intestines further up into her chest cavity. These internal wounds, misdiagnosed as mere asthma, also left her in poor emotional and mental health. Eventually, the same hospital that provided the life-saving surgery as a baby suggested sex-denying interventions as the fix. “A pediatrician overrode a psychiatric diagnosis – several of them,” she explained, to clear her for sex-denying hormones and surgeries. “Instead of assessing my mental health thoroughly, they decided to assume in the emergency room that my suicidal ideation came from the gender confusion. It did not. It was already there long before.” And yet, the medical professionals used this fiction to fast-track sex-denying interventions, giving her cross-sex hormones at the age of 16 and approving her for top surgery at 18. “Everything that had happened to me was wrong and had nothing to do with evidence-based medicine,” she accused. (You can hear both fury and sorrow in her voice during the entirety of her remarks.) “I was experimented on. I was not told they were experimental. I was told it was medicine and that it would help. And it did none of that. It gave me complications that the doctors ignored or would treat as separate illnesses. It made my already pre-existing mental health worse. And my physical health continued to deteriorate.” “These people do not know what they are signing up for because they are children,” she continued. “I was a child. I wanted help. That’s all I wanted. I did not need to be medicalized. I did not need to be cut up. I did not need to be drugged. I just wanted to be loved the way I was.” Faith didn’t further explain what she meant by “the way I was.” But for orthodox Christians, her identity is obvious. God created her as a female, just as He creates every person to be a member of one of two sexes. Whenever someone is confused about their identity as a man or a woman, they don’t need to be “medicalized,” “cut up,” or “drugged.” They need to be counseled that they are wonderfully made in the image of God and to embrace their God-given identity as male and female. Yet these are truths denied by conversion therapy bans across the country and the practice of sex-denying medical interventions. While no explicitly Christian perspective was offered at this press conference, all seven took a stand against harmful conversion therapy bans and sex-denying medical interventions....

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Saturday Selections – May 23, 2026

"Bury the workmen" by Covie, featuring Lance Thompson For some encouragement check out this new group – or maybe just new to me – singing about how no matter what the world might try, "the work will go on!" Was Noah's Flood only local? Hugh Ross wants us to believe it was. He's wrong and here's why. The narcissism of always thinking we face the greatest crisis ever  Every election is billed as the most important ever. This bill could be the most devastating ever. This Supreme Court ruling could be the most pivotal ever. This tech innovation could be harming our kids worse than ever before. Sound familiar? I'm sure it does. And while Trevin Wax, in the linked article, called this narcissism, I still have a hard time concluding that every time I've heard the "most important ever" or "worst ever" take, it hasn't actually been true quite a bit of the time (like the 1988 Supreme Court ruling that made abortion legal across Canada). But I will readily concede that while this greatest crisis ever line isn't always hype, it certainly is overused. And it's important to recognize that, as God's people, to recognize too, that God is still protecting and preserving us, and, in that assurance, then to be able to proceed faithfully, and not panically lurch from one crisis to the next. Nazis didn't break German law, so how did they get tried? On what basis did the Allies try their Nazi prisoners? After all, the Nazis didn't break any German laws, so by what standard could a court of law hold them to account? Christians have an answer – the standard they violated is one that is above any that Man might implement. Some, as in this article, call it Natural Law, but make no mistake about the Authority behind this law – not natural but Supernatural. Don't blame capitalism for consumerism "It is foregoing consumption that allows one to save and invest and thus accumulate capital." So what causes consumerism then? Part of it, most certainly, is our sinful hearts – consumerism is when we make things an idol. But government policy is also part of it. If you are choosing between investing or spending your money, then when government policy weakens the market, making investments riskier, that becomes an encouragement to spend rather than save. Pro-choicers follow the science? It turns out that no, pro-choicers don't follow the science.  But Christians need to understand all that's going on in this video We can, for the sake of argument briefly adopt our opponents' worldview, so we can then drive it into the ditch. In this video, the pr0-lifer is going with the pro-choicer's "pro-science" worldview to show how, when followed to its logical end, this takes the pro-choice adherents where he didn't expect to go. To put this in biblical terms, our pro-life heroine here is tearing down false arguments and everything that sets itself up against God (2 Cor. 10:4-5). We highlight their hypocrisy: "You say you are pro-science but you're not. You're just using that as a justification, and when it no longer props up abortion, then you don't care about it anymore." But afterwards we mustn't appeal to their fallen idol to prop up our own position. We aren't against abortion because of "science" – we are against abortion because God creates life and gives us value (Gen. 1:26-27) and therefore only He has the right to take life. If we appeal only to science – if that's what we stand on – then what will we do when the godless decide to change their science textbooks? There are already sources all over the internet that deny life begins at conception. These statements are factually wrong, but many are masked in the veneer of "science." Christians need to tear down the world's idols without then standing atop the same pedestal ourselves. We were created to glorify God, and it is only by standing with Him, and standing on His truth that we will ever find ourselves on solid ground, fulfilling our purpose. ...

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Federal spending increases under Carney

To make a diamond dazzle, a skilled jeweller will slip a black cloth under it. The federal government pulled a similar tactic with its Spring Economic Update, setting the current state of the economy in the context of the ongoing instability in the world. In spite of trade disruptions with the USA, conflict in the Middle East, and fragile global supply chains, the government was keen to showcase that Canada’s economy grew by 1.7 percent in 2025 and is expected to have the second-fastest growth in the G7, next to the USA. But a careful examination shows a less dazzling picture. The deficit for 2025 is a staggering $66.9 billion, with no end to deficits in sight. The federal government is already $1.3 trillion in debt, and is on track to pile up $309 billion more in total debt by the end of this decade. Our cost to service all our debt is projected to increase from $54 billion this year, to $81 billion by 2030-31. History backs up the instruction from Proverbs 22:7 that “the borrower is a slave to the lender.” Just like family debt handcuffs a household from pursuing opportunities they might otherwise want to pursue, the same is true for countries. We severely limit what we can do when we have to pay billions, not even to pay off the debt, but just to pay the yearly interest.  But the federal government emphasizes that we are doing better than most G7 countries. After 9 consecutive budget deficits under Justin Trudeau, Prime Minister Carney promised: “what we will do is to focus on reducing spending, if I’m elected…. The essence of this is to spend less, and invest more.” When we hear our government wants to spend less to allow for more investment, we might conclude that means spending cuts will be accompanied by tax cuts to leave the private sector with more of their money. They can then invest those newly available funds in their businesses. But that’s not what Carney means by “spending less.” His plan is to have the government spend much more overall, but label some of it “investing.” Neat trick, but let’s not fall for it. His new Economic Update reveals a plan to increase spending by $83.2 billion more than the Trudeau government planned from 2025/26 through 2029/30....

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Radicalized and Reformed? Someone we know tried to kill the president.

The news traveled in Reformed circles like wildfire on a Saturday evening: the young man who tried to kill President Trump and members of his cabinet was one of our own. 31-year-old Cole Tomas Allen, who traveled across the country by train from California to Washington DC with a plan to murder dozens, was a long-time member of Grace United Reformed Church in Torrance, California. How could a young man raised in the church and living under his parents’ roof have become so radicalized that he would attempt such a heinous, violent crime?  Allen’s written manifesto, sent out to family members and friends moments before his attack, gives some clues of what type of news and opinions he had been consuming: “I am a citizen of the United States of America. What my representatives do reflects on me. And I am no longer willing to permit a pedophile, rapist and traitor to coat my hands with his crimes.” National Public Radio reported on statements Allen’s sister made to the Secret Service and Montgomery County police. She said he was involved with a “No Kings” anti-Trump protest recently, and was influenced by a group called “The Wide Awakes,” a self-described “open source network who radically reimagine the future… Disruptive, visionary, accountable… We believe liberation is a game and all of us can play now and forever.” It should be noted, however, that “The Wide Awakes” also declare that “we can emancipate ourselves without violence.” No doubt we will learn more about the type of influences that radicalized Allen as he stands trial on two charges related to the assassination attempt. We can wonder how someone who sat under faithful preaching of the Gospel could ignore all the teachings of the Bible and turn to violence and hatred. Because Allen seemed to believe terrible things about President Trump and members of his cabinet, he apparently thought he needed to take justice into his own hands, without a trial, without a judge or jury. From his manifesto: “Turning the other cheek when *someone else* is oppressed is not Christian behavior; it is complicity in the oppressor’s crimes.” Today’s social media and online world is full of conspiracies, outright lies, and malignant forces. Algorithms are designed to feed us more and more of whatever we’ve shown an interest in, and we may find ourselves over time believing the lie instead of the truth. May we guard our hearts and minds, and those of our children, and look for ways to encourage others in our church family to free themselves from harmful influences. Photo of Cole Allen is from an April 25 post to TruthSocial.com/@realDonaldTrumpDonald, the US president’s own Truth Social account....

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Teachers lead the way in adopting, and sometimes restraining, tech

The Spring issue of Redeemer University’s Resound magazine featured an article about Dr. Katie Day Good, a Christian professor who has been researching the history of how tech gets adopted, and what sort of impact it has. “She found that teachers have often been early adopters of technologies including motion pictures, stereographs, records, illustrated magazines and radio to enliven and increase the effectiveness of their teaching…. Teachers around the world were eager to think about how these technologies could help their students think beyond their borders.” Teachers loved the tech, because it was all about connecting their students to the world around them. But today we’re finding something quite different. As Dr. Good put it in that same article, “Hope beyond the screen”: “What we're discovering as we grow and age with these technologies is that they can also stand in the way of meaningful connection. They can even lead us to feel estranged from our neighbours, from our environment, from God.” AI is only going to make that estrangement worse, with reports already of people turning to these super-powered programs for companionship. So how can we deal with the digital distraction, and the social isolation? There’s no one answer, but Good shared what a couple of groups have chosen to do. “Something I've seen is parents banding together to create landline pods, using landline phones to encourage friendship and independence among their children without having to rely on smartphones.” Then there is “The Luddite Club” she learned about – a group of New York students who have chosen to unplug and connect in tech-free ways. Earlier this year, a Cornell University prof made news for getting her students to type their reports. She brought in bunch of old typewriters, and the students had to shift gears entirely – the lack of a delete key had them thinking through what they were going to type before they typed it. With their phones banned, students weren’t distracted by notifications, but also couldn’t research in an instant, and ending up asking each other for help – their class become a place for conversation rather than head-down, isolated scrolling. There there’s what’s happening at Redeemer itself. This past year, faculty at the Christian college who are involved with its “Core Curriculum” – 10 courses that all students have to take – have “adopted a tech-wise approach, encouraging students to swap laptops and tablets for pen and paper.” They aren’t going full Amish – this is just a select number of courses, and while pen and paper are encouraged, laptops aren’t banned. It’s a small but real effort being made to put restraints on tech usage. Why? Because it just makes sense. As Dr. Jonathan Juilfs, Redeemer’s associate professor of English, explained, “many studies have shown that students retain more information and learn better with traditional note-taking methods.” That’s not a startling revelation, but it is news how some schools are starting to act on what we all already know: our screen usage has gotten out of hand, and that even includes our purportedly “educational” usage too. ...

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Saturday Selections – May 2, 2026

Original Sin rock battle What I absolutely love about these rock/rap battles is that it's no straw man being presented here: Pelagius gets to make his case. And Augustine's response is true, but not at all the "gotcha"-esque "you got owned" moment we see pitched all over the 'Net. Which is what makes this presentation as valuable as it is entertaining. This man tried to disprove God with a box of nails It might have seemed compelling even... at first. But, as Not The Bee put it, this "is what the kids would call a self-own." A fun one worth checking out and sharing. When Christians don’t “get with the times,” they change empires "...Christians would search out and save little girls who were left to die by their pagan families. After a few decades of this life and death dynamic, there was a shortage of women for pagan young men to marry. So many ended up going to church to find wives. Also, because Christian women did not have abortions at the same rates as pagan women, a particularly brutal practice at the time, they also had higher fertility rates. In the end, the explosive growth of Christianity across the empire was all about math. God used the obedience of early Christians to change the world." Why Canada should scrap its plastics ban Jesus condemned the Pharisees for doing things for appearance (see Matt. 23) and warned about practicing "our righteousness before others in order to be seen by them" (Matt. 6:1). That, there, is Canada's plastics ban, implemented to address a problem – plastic trash – that was a problem in Asia, not Canada. And like so many environmental policies, even if you presume the problem the policy was meant to solve really needed government intervention, the actual intervention offered by our government makes things worse: "According to the government, the anticipated reduction in plastic waste—roughly 1.5 million tonnes by 2032—will be outweighed by nearly 3 million tonnes of additional waste from heavier substitutes such as metal, porcelain, glass, wood and aluminum. As a result, the ban would increase total waste overall. (Remember, these are the government’s own projections.)" When can I trust what scientists say?  Rob Stadler offers up six criteria to consider, including: repeatability direct observability assumptions disclosed... This is an Intelligent Design presentation, but even in the subsequent articles – When Can I Trust Scientists About Evolution, and On Evolution, Here is What We Can Believe with High Confidence – it's pretty much all material a creationist would love too. A creationist take on climate change (10 min) Is global warming happening? It seems to be. Is it going to be catastrophic, like Greta Thunberg is despairing of? No. Genesis 8:22 says, "While the earth remains, seedtime and harvest, cold and heat, summer and winter, day and night shall not cease..." Is it strange to base your evaluation of secular science on a Bible verse? Not at all. God's Word is authoritative. And we constantly have to test the reliability of secular science against what God says, to decipher what could be or isn't true. "Science" says that girls can become boys, and no, that isn't so, and we could always know so because we know God chooses our gender, not us (Gen. 1:26-27). And some of the same people and organizations who are touting climate change were pushing overpopulation hysteria too, which as Christians we could rebut right from the start (Gen. 1:28; 9:1, 9:7, Prov. 17:6, Ps. 127:3-5, Ps. 113:9, etc.), but which the world has only started to realize as of late. ...

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Saturday Selections – April 18, 2026

The universe is God's canvas Art is hard to define, but an artwork can tell us a lot about the artist... or the Artist. Survivor - they had to live without phones! Even if you've never watched Survivor, you probably have an inkling about what this TV game show is about – it pits a group of castaways against each other to see who can outlast the rest. But there is a difference from when it started – one of the biggest shocks for contestants today might be living without their smartphones for a month. In this article, one of the contestants highlights how she was happy without it, and yet felt pulled back into that screen world when she returned. But, As Trevin Wax highlights, some in the next generation are taking leadership to free themselves and others from this ball and chain. How Mark Carney could help Canadian NHL teams compete "...league commissioner Gary Bettman... likes to pretend taxes aren’t part of the reason that eight of the 12 teams competing for the past six Stanley Cups hail from states with 0 percent income taxes..." This article is just about hockey, but the point made is true for every business competing with companies in other, lower-tax, jurisdictions – government taxes hurt our competitiveness, which hurts what we can produce, which hurts our businesses and everyone employed by them. So, let's lower taxes for hockey players... and everyone else too. How to love your wife through the rough patches Good advice... The legacy of Al Gore's An Inconvenient Truth 20 years later His documentary was presented in university classes with religious fervor, not just in science, but even in the arts and humanities – kids got hit with it in English class. And, 20 years later, the catastrophic worldview it pitched is still a matter of fervor, not fact. I can only imagine A great song from a pretty good movie. ...

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Saturday Selections – April 11, 2026

Climate Doom Archive: the polar bear The polar bear has long been a symbol of the global warming catastrophists, but as the folks at the Climate Discussion Nexus detail below polar bears are doing just fine. Australians aren't having kids Since it takes two to tango that means it takes an average of two children per woman to keep a population stable (and just slightly more than that – around 2.1 – to account for children who don't make it to adulthood). But Australia has averaged less than two children per woman since about 1975... and it's now near 1.4. Canada is worse at about 1.25 and China leads the depopulation dive at just about 1.0. God's cultural mandate, given before the Fall (Gen. 1:28) but repeated to Noah and his sons (Gen. 9:1) applies to more than just child-bearing but certainly includes it. "Be fruitful and multiply" gives Christians good reason to counter this demographic downward trend by, in obedience, trying for 3 or more. The silent killer: comfort "The danger lies in making comfort a priority – living an easy, carefree life that avoids stress, grief, or restriction... When comfort becomes our aim, we lose sight of the fact that the Christian life is often marked by disciplined effort, not stress-free living." New free creationist journal New Creation Studies is a new publication brought to you by some of the same people behind the great (and free) documentary Is Genesis History? Get married young (10 minute read) Marriage can get crowded out as an ambition because of career, income, education, or even travel goals. But what if we made the big things in life our big priority? 1,000 IVF frozen babies vs. 2 newborns: who would you save? It's a dilemma that's been pitched many times: if a hospital was on fire and you could only save a newborn baby, or let's say two – one tucked under each arm – or a nitrogen canister that contained one thousand frozen IVF babies, which would you save? The presumption underlying the question is that how most would act – saving the two crying, squirming, already-born babies – proves that embryonic babies aren't valuable. But, as Ben Shapiro shows below, that's not so. What he doesn't do, is show where human value does comes from. The world has no basis for it. If we are merely star dust, or just another animal, or just chemicals in motion, then why would any of us be any more valuable than that rock over there, also star dust, or another animal like, say, a chicken? Or why would we say our human-type walking bags of chemicals are all equal, but that equality doesn't extend to the chemical reactions going on in that fizzy can of Coke? The only basis for human worth, and for human equality, comes from being made in the very Image of God (Gen. 1:26-27). That is the only thing we all share equally and it is what gives us our worth (Gen. 9:6). ...

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Aussie senator shows us how to do it... and how not to do it

On April 1st, Australian Senator Ralph Babet gave a speech that got some social media attention for good reason. He explained to all those willing to listen that there is no freedom apart from God. Here is what he said: “I'm regularly criticized for being overtly Christian. I'm told to keep my faith private, to leave it at the door of this chamber and to speak as though God is irrelevant and truth is negotiable. I just will not do that. I'm not merely a man with opinions. I'm a man under authority, and that authority is the authority of Christ and his church. That changes everything. “Christianity is not a lifestyle. It's not a cultural accessory. It is a total claim on the human person – on the mind, on the conscience, and on the soul. Here's the reality that my critics refuse to admit: every single person in this chamber serves a doctrine of some sort. Some serve God; others serve Marxist ideology. Some serve the State or maybe even public opinion, but no one is really neutral. So, when I'm told to leave my faith behind, what I'm really being told is: 'Abandon your authority and submit to ours instead.' “No, I will not do that. I'll not trade eternal truth for political convenience. I won't bow to the false religion of relativism. “What we are really dealing with here is not the absence of religion but the rise of a new one. It's a creed without God, a morality without foundation. It's a system that demands obedience and calls it tolerance. Let's just be clear: the claim that religion has no place in politics is itself a dogma – an exclusive claim, a coercive claim. The question is not whether beliefs shape this place. They already do. We know that. The question is: which truth will govern us? “When God is pushed aside, it is not neutrality that replaces Him; it is power. The most oppressive regimes in history did not honor Christ; they rejected Christ. What followed was not freedom. It was control, it was persecution, and it was suffering on an industrial scale. Don't tell me that taking God out of society makes it safer. It just makes it worse. “Let's speak plainly about what Christianity actually claims. What does it claim? It claims that Jesus Christ is God, that He rose from the dead, and that He established a charge of authority to teach truth in every single age. Just look at the King that we proclaim. He's not a tyrant. He's not a conqueror. He's a king that was crowned with thorns, a King who went on to forgive His executioners, a King who laid down His life for His enemies. Do you know what? That is strength. That is power rightly ordered. That is the model that Christianity calls us to follow. It's not weakness and it's not chaos. It's discipline, strength, and order towards truth and the good. “Christianity also destroys the modern obsession with moral superiority, because no man earns salvation and no one stands above another. We are all in need of mercy and in need of grace, which means that there is no room for the smugness, the posturing and the endless virtue-signaling that now dominate public life. From that humility comes order, from that order comes justice, and from that justice comes peace. “I ask you again: what kind of society does that produce? It sounds remarkably like the one that we all claim to want. Let's just be clear again: I'm not going to dilute my faith. I'm not going to pretend that truth is negotiable. I'm not going to speak as though Christ is optional. I serve a higher Authority than this chamber, than this place, and that Authority does not, and will never, change with the polls. A nation that rejects Christ does not become freer. It simply finds a new master; that's all. Some of you in this place don't serve the right master. I won't name names, but you know who you are.” That’s a message desperately needed in the political sphere. And it did get some social media coverage on Facebook. Unfortunately, the very same day he delivered this speech, the senator also chose to release an April Fool’s Day prank about aliens being real… which is what the mainstream media covered instead. While this has to be one of the strongest, clearest Christian presentations delivered by a politician in recent memory, Babet is not the ideal messenger. He’s gotten himself in trouble through the years for his tweets, particularly two years back when he used the N-word to enthusiastically endorse an Andrew Tate post. Then, when he was called on that, he followed it up with this: “In my house, we say . We are sick of you woke ass clowns. Cry more. Write an article. Tweet about me. No one cares what you think.” Where Babet went wrong here is on the very point his 2026 speech corrects. You can't find the truth by bouncing off a lie; as Babet demonstrated, you won’t end up in the right place by simply doing the opposite of what the woke folk want you to do. That’s because, as Luther noted, there’s more than one way you can fall off a horse. To simply swing away from an error on one side is to put yourself in danger of falling for a completely opposite, every bit as horrible, error on the other side. Instead, we need to do as the senator – at his best – encouraged: rather than reacting against evil, we need to actively look to the Lord and His Word to find out what’s true and good and right. Top picture is a screenshot of the senator's speech, from his YouTube channel and is displayed under fair use....

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Saturday Selections – April 4, 2026

Woody takes on screens? I wasn't expecting much from Toy Story #5, but with Woody and the crew taking on tech, I'm looking forward to this... 3 dodges that can derail any discussion Apologist Greg Koukl on the how skeptics will use "the ad hominem fallacy, the genetic fallacy, and the straw man fallacy" to avoid having honest discussions. And he shows how to get discussions back on track. US vice president thinks UFOs are demons J.D. Vance took that position based on his Judeo-Christian worldview. “I don't think they're aliens. I think they're demons anyway…. I mean, every great world religion, including Christianity, the one that I believe in, has understood that there are weird things out there, and there are things that are very difficult to explain. And I naturally go, when I hear about that sort of extra supernatural phenomenon, I go to the Christian understanding that there's a lot of good out there, but there's also some evil out there. And I think that one of the devil's great tricks is to convince people he never existed.” And creationist Gary Bates agrees. Canada should heed warnings from Dutch tax on unrealized gains The Netherlands House of representatives just passed legislation that would tax unrealized capital gains at 36 percent. That means, if your retirement stock portfolio grew from $50,000 to $150,000 this year, you would have to pay  government $36,000 on that $100,000 increase in value. One big problem? You don't actually have any of that money yet – it's still invested in your stocks. So, as this article shares, a "person would either have to sell the stocks, dig into their savings, or take out a loan to pay the government." And, as anyone who has stocks knows, that $100,000 increase could take a sudden drop at any time too. So what does such a tax encourage? To steer clear of investing, where the losses will still hurt, and your gains will be taxed before you've even realized them. If you think a tax on unrealized gains could never happen in Canada, consider the similarity behind our property taxes. As I spotted on the 'Net, from a fellow named Ron Rule: "Imagine if income taxes were based not on how much you made, but how much your town decided you could have made. That's basically how property tax works. The assessor decides what your house is worth, then taxes you as if you paid that price." Property values in places like Hamilton and Toronto have doubled in a decade, which means that people who bought homes before the market went crazy are now getting taxed on gains they won't "realize" until they sell their house. And if they bought a $500,000 home in 2015, and are now paying taxes on a house worth $1 million, the taxes may well force them to sell – their assessed increases, never actually seen in their bank account, might just drive them out of their home. A biblical case for border security US Speaker of the House Mike Johnson wrote this back before Donald Trump became president again. There is a certain sense in which I would suspect all readers would be united about border security. We lock our house doors, as Franklin Graham put it, not because we hate those outside, but because we love those inside. So we'd all be united in wanting to keep the drug and sex traffickers and other criminals out. But what of those who have no nefarious intent, and are simply looking for a better home? The practical observation in that case is, we can only start to consider those situations once the border is secure, so we can then sift the latter from the former. I wonder if Mike Johnson would support sponsorship programs, so that the individuals he speaks of, perhaps working through their churches, could act in rescuing some? Pierre Poilievre tells Joe Rogan he supports letting doctors kill their patients Last month Conservative leader Pierre Poilievre made an appearance on the most popular podcast in the world. Federally, his party has been leading the opposition against euthanasia for the mentally ill, and we can be thankful for that. But, in an appearance on The Joe Rogan Experience, he told Rogan that he actually supports giving people the choice to murder themselves. That's a problem, and for the mentally ill too, because if euthanasia is a right and is good medicine for some, then how can you deny this treatment for others when it could instantly alleviate their affliction? If it is mercy to kill some sufferers, why isn't it mercy to kill other sufferers too? What fixed standard can Poilievre (or Joe Rogan) appeal to that would permit death to be used to "help" the physically ill, but not the mentally ill? What immovable line can you draw once you've decided killing is caring? The lady below is coming out hard against Poilievre, and makes a very compelling practical argument against every form of euthanasia, highlighting the many enormous abuses underway in Canada's euthanasia culture. But the problem with her practical argument is that it invites a practical solution. Have better laws. Spend more on palliative care. Making the waiting time longer, etc. But no practical solution will safeguard life so long as a culture doesn't value life. And we will only value life when we no longer thing its value comes from us, or from others, or from what we can do or experience. It is only when a culture looks upward and understands that life – our own life – is not ours to dispose of as we wish, but is entrusted to us by God above, that it can draw a fixed line: Do not kill (Ex. 20:13). (This woman, Kelsi Sheren, takes God's name in vain several times, and drops an f-bomb or two, but I'm sharing the video anyway, because she presents here, in 20 minutes what you may not have heard in months of the mainstream media's euthanasia coverage.) ...

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