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Still Banking With The Big Banks? Here’s Why You Should Consider Some More Ethical Options

If you believe in the power of voting with your dollar, then it’s time to take a look at your bank and what your dollars are actually supporting.

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Do you consider yourself a socially conscious person? Are you someone who stays up to date on current events, researches what’s going on in the world, and knows which companies are contributing to our world’s problems and which are working to solve them? If you said yes, then it sounds like you are a conscious consumer and understand the power of voting with your dollar and putting your money where your mouth is… but — where do you put your money? Which bank do you use? This is something many of us don’t even consider, but just like anywhere else you put your money, the bank you choose to support with your dollars matters.

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This is something that I myself am just learning the importance of now, as I have recently begun researching the best places for storing my dollar bills. Not that I have a lot of them by any means, but still, I want them to be supporting things that I myself would support, which does not include a machine fuelled by greed — no matter the cost.

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This idea of taking your money out of the big financial giants really came into my reality around the time of the Dakota Access Pipeline protests, when people were withdrawing their money en masse. Protesters came to understand that, by giving their money to the big banks, they were actually contributing to and supporting the very oil giants t hey were fighting so hard to stop.

What Would Happen If We All Took Our Money Out of the Banks?

This is the thing that is a little scary to consider. When you put your money in a bank, it doesn’t just sit there, patiently waiting for you to decide to spend it. It is being invested at high levels. If you choose to, you can actually get involved in that game and potentially profit from your money rather than letting it collect dust, but again, it is up to you to be aware of what your money is actually going to support if you should choose to do that. If everyone were to take out their money from their banking institutions, the banks would essentially collapse. Those who were late to the money party, moreover, wouldn’t get their money back, because once in a bank, it’s technically under the bank’s control, and they do not hold it all in a safe waiting to be returned to customers.

Now, there are some other options, the most obvious being to keep all your money in cash format, but in this day and age, that is becoming increasingly less practical, as we need credit cards for so many things, and carrying a lot of cash is both inconvenient and risky.

So, Where Should You Keep Your Money?

Enter “Green banks.” Sometimes referred to as a green investment bank, clean energy finance authority, or clean energy finance corporation, a green bank is a public financial institution that uses innovative financing techniques and market development tools in partnership with the private sector to accelerate the deployment of clean technologies. This is one option.

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But there are also a number of other socially responsible banks that you can choose from that invest the money they receive into ethical and sustainable businesses that truly have the consumer and the planet in mind.

Consider Credit Unions

You can also consider credit unions, whose model is people before profits. They use a co-operative model, which means any profits they make are reinvested back into the credit union to serve the members better, and some of these benefits are shared directly with their members and the community.

There are a lot of misconceptions around credit unions. People think they don’t have good online banking services, use mobile apps, or offer ATMs, but that simply isn’t the case. Most credit unions have all of these perks and more. Essentially, a credit union can do anything a bank can do, but it all revolves around you as the customer. Check out this cute video from Vancity that describes the difference between credit unions and banks:

Thinking About Making a Switch?

It’s a lot easier than you think. You can walk into your bank and tell them you want to close your account, and that’s that. Of course, if you have any loans or mortgages with your bank, the process becomes trickier, but it’s not impossible. Here are some simple steps, courtesy of GreenAmerica.org,

10 Steps  ToBreak Up With Your Mega Bank:

1. Find a new community development bank or credit union. As you research your new bank, be sure to ask about fees, services, and the details about the banking products you need. Make sure the institution you select is FDIC or NCUA-insured.

2. Open your new account with a small deposit while keeping your normal mega-bank account open. Order the products you need such as checks, debit cards, and deposit slips.

3. Make a list of any of your automatic deposits like your paycheck, or auto-withdrawals, like your bills.

4. Move your automatic deposits to your new account. If you have direct deposit for your paycheck, ask your employer to transfer your paychecks to your new account (you will likely need to provide a voided check from your new account to your employer). The same holds true for Social Security payments or other forms of income you receive automatically into your account. Ask for the date on which the payment to your new account will take place.

5. Move your automatic withdrawals to your new account (you will likely need to provide the routing and account numbers at the bottom of your checks). When you know that sufficient funds will be in your new account, transfer your automatic payments so that they are now deducted from your new account. Ask for the date on which the payments from your new account will begin. It’s wise to leave a small amount of cash in your mega-bank checking account for a month after you think you have shifted your deposits and withdrawals to your new bank or credit union to guard against any unforeseen circumstances like checks you wrote that hadn’t been cashed, or payments you forgot about.

6. If you have only online banking through your mega-bank, take screenshots of statements or print them out. Save them for your records and keep canceled checks you may later need.

7. Transfer the final funds from your mega-bank account to your new account – once you have all your automatic deposits and payments transferred and any last checks have cleared your old account. Electronic transfer of these final funds to your new account is usually the fastest and safest method to use.

8. Close your mega-bank account. Once the last remaining funds in your old account have transferred to your new account, follow the bank’s procedures for closing accounts. Obtain written confirmation that your account is closed.

9. Inform your bank why you are breaking up (You can use our sample letter as a guide).

10. Encourage your congregation, workplace, or alma mater to use a community development bank or credit union if they do not already do so. Also, if you are on the boards of any nonprofits, or live in a condo or housing co-op, you can encourage these organizations to switch too. For colleges and universities, turn to Responsible Endowments Coalition.

Final Thoughts

If you believe in the power of voting with your dollar and putting your money where your mouth is, then this is the next important step you can take. There are many aspects of our system that aren’t working, and we know it, but the good news is, we do not have to participate in these parts of society that no longer serve us. We can take responsibility for our own lives and our  actions and make a powerful impact wherever we leave our money. We always have a choice, and a vote, because every time we spend money, even at a bank, we are casting a vote for the type of world in which we want to live.

Much Love

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Ontario (Canada) Gives Police Authority To Pull Over Vehicles To Find Out Where They Are Going

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CE Staff Writer 6 minute read

In Brief

  • The Facts:

    The Ontario government has just announced very strict lockdown and stay at home orders. They've also given police the power to pull people over to find out where they are going and where they live.

  • Reflect On:

    Is this really about the virus? Why are so many experts, and so much science that opposes what government is saying completely unacknowledged?

Before you begin...

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Take a moment and breathe. Place your hand over your chest area, near your heart. Breathe slowly into the area for about a minute, focusing on a sense of ease entering your mind and body. Click here to learn why we suggest this.

As authoritarianism spreads, as emergency laws proliferate, as we sacrifice our rights, we also sacrifice our capability to arrest the slide into a less liberal and less free world. Do you truly believe that when the first wave, this second wave, the 16th wave of the coronavirus is a long-forgotten memory, that these capabilities will not be kept? That these datasets will not be kept? No matter how it is being used, what’ is being built is the architecture of oppression. -Edward Snowden (source)

Ontario, Canada has just announced stronger lockdown measures after current lockdown measures and stay at home orders have not done anything to slow the spread of covid when taking cases into account. Under the new orders, most non-essential businesses, manufacturing and construction will be closed, this includes non-essential curb side pick ups as well for retail businesses. Outdoor recreational facilities like parks, basketball courts, tennis courts and golf courses will now be closed and essential businesses, like grocery stores, will be limited to a certain capacity.

For the first time, the Ontario government has given police officers the power to pull vehicles over without cause, demand their ID and home address as well as ask where they are going and why. This also applies to citizens who are outside. This is effective immediately for a period of 6 weeks.

I just came across this via the live press conference. Part of the changes in the recent announcement were to give police more authority to handle non-compliance, something that’s been a big part of this pandemic as many people, doctors and scientists continue to disagree with the actions being taken by governments, while others agree. The government has also put restrictions on travel between provinces.

We have made the deliberate decision to temporarily enhance police officers’ authority for the duration of the stay at home order. Moving forward, police will have the authority to require any individual who is not in a place of residence to first provide the purpose for not being at home and provide their home address. – Solicitor General Sylvia Jones said in the press conference.

The Ontario government continues to blame the citizenry for non-compliance when, in reality, there is a tremendous amount of science and data that’s been published in various medical and scientific journals from around the world showing that lockdowns have not been helpful in stopping the spread of COVID.

Furthermore, there is research showing lockdowns have killed more people than covid, and will have devastating results for years to come. Not only that, an estimate from the United Nations World Food Program indicates that pandemic lockdowns causing breaks in the food chain are expected to push 135 million people into severe hunger and starvation.

The ease to which people could be terrorised into surrendering basic freedoms which are fundamental to our existence…came as a shock to me…History will look back on measures – as a monument of collective hysteria & government folly.” – Jonathan Sumption, former British supreme court justice. (source)

This is quite confusing, if lockdowns and restrictions aren’t necessarily helping to curb the spread, why is government, especially the Ontario government, acting like they are effective and necessary tools? This is a discussion that has not been had within the mainstream. Renowned experts in the field who are presenting this data have been completely ignored, censored and in many cases ridiculed.

Another point that’s being used to justify restriction measures is the fact that hospitals in Ontario are at capacity, and ICUs are full. This has always been a concern in many countries, especially in Ontario, Canada. For example, in 2017 more than 50 percent of hospitals in Ontario were above 100 percent capacity. There are examples all over the world for the past decade. That being said, is covid adding to this, or is it simply something we’ve always seen in hospitals? Is the only difference big media coverage?

What about the fact that PCR testing may yield an enormous amount of false positives? Testing positive does not mean you have the virus, or that you can spread it, especially if you are asymptomatic, yet this entire lockdown is based on testing asymptomatic people and asymptomatic cases. What about the death count and the fact that Ontario Public Health has admitted to the fact that they are marking deaths as “covid” when it’s not even clear if covid caused or contributed to the death? What about the fact that the survival rate of the virus is 99.95 percent and above for people under the age of 70, or that prior infection can provide more immunity than the vaccine?

Again, the point is,there are many concerns that are being completely ignored and unacknowledged.

In the case of covid, it’s quite clear that people of all backgrounds and professions are split. You even have world renowned experts in the field split on these issues, with many opposing and supporting measures. As a result, this has many people confused, and it begs the question, should government really have the authority to put mandates into place that restrict our movement, rights and freedoms?

Is this really about the virus, or about the benefits that big tech, health and government will reap and have been reaping from this pandemic? When measures go against the will of so many people, should government not be allowed to mandate such measures and instead, present their science and make recommendations to people, leaving them the choice to act in ways they see fit?

Are we living in an age where government and big tech are doing the thinking for us, telling us what is and isn’t and trying to control our lives more and more every single year? How do we stop this if it’s true? Why do we continue to comply? One thing is certain, covid has been a great catalyst for more and more people to really question what type of world we are currently living in.

So what’s the solution to this? Is it mass/collective organized peaceful non-compliance? A Belgian court has ruled that the current COVID-19 measures being deployed don’t have a sound legal basis. The State has 30 days to lift restrictions or face fines. Can something like this happen in this situation? We will wait and see what happens as, no doubt, many people are going to be upset and showing it.

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Florida Education Minister Urges Schools To Drop Mask Mandates

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CE Staff Writer 9 minute read

In Brief

  • The Facts:

    Florida Education Commissioner Richard Corcoran said schools should make mask-wearing voluntary in the 2021-2022 school year, stating that they should simply be optional.

  • Reflect On:

    Why is one narrative being pushed hard, while the other is being heavily ridiculed and labelled as "dangerous" by mainstream media and government?

Before you begin...

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Take a moment and breathe. Place your hand over your chest area, near your heart. Breathe slowly into the area for about a minute, focusing on a sense of ease entering your mind and body. Click here to learn why we suggest this.

What Happened: Earlier this week, Florida’s education commissioner directed all schools to drop mask mandates for the next school year because, according to him, they are not necessary and can simply be an optional measure for students and parents. According to him, mask policies “do not impact the spread of the virus” and they “may impede instruction” for some students. The decision is not up to him, however, as each individual district will ultimately decide whether or not they want to impose mask mandes for next school year.

Florida Governor Ron DeSantis recently convened a round table on public health. At that discussion, Professor of Medicine at Stanford University Dr. Jay Bhattacharya stated that “masks have not only been not effective but have been harmful.”

The video of this discussion was removed from YouTube, and then ridiculed hard by mainstream media. This has been a big problem throughout this pandemic. We have big tech “fact-checkers” going around the internet censoring and removing any kind of narrative that does not fit within the framework or narrative that government health authorities are telling us. If things were so obvious, why would they need to censor world renowned experts?  It’s been a common theme, and Bhattacharya is one of many who have been subjected to this type of treatment.

He’s one of the three initiators of The Great Barrington Declaration. The other two are  Dr. Sunetra Gupta, PhD Professor of Theoretical Epidemiology at the University of Oxford and Dr. Martin Kulldorff, PhD, Professor of Medicine at Harvard, Infectious Disease Epidemiologist. You can watch an interesting discussion with all three of them here if interested.

Bhattacharya responded to the criticism in a recent piece he wrote for the Wall Street Journal (WSJ) stating the following:

I attended a public-policy roundtable hosted by Florida Gov. Ron DeSantis last month. The point was to discuss the state’s Covid policies in the months ahead. That 600,000 Americans have died with Covid-19 is evidence that the lockdowns over the past year, including significant restrictions on the lives of children, haven’t worked. Florida reopened in May and declined to shut down again. Yet age-adjusted mortality is lower in Florida than in locked-down California, and Florida’s public schools are almost all open, while California’s aren’t.

My fellow panelists—Sunetra Gupta of Oxford, Martin Kulldorff of Harvard and Scott Atlas of Stanford—and I discussed a variety of topics. One was the wisdom of requiring children to wear masks. The press asked questions, and a video of the event was posted on YouTube by local media, including Tampa’s WTSP.

But last week YouTube removed a recording of this routine policy discussion from its website. The company claimed my fellow panel members and I were trafficking in misinformation. The company said it removed the video “because it included content that contradicts the consensus of local and global health authorities regarding the efficacy of masks to prevent the spread of COVID-19.”

Yet the panelists are all experts, and all spoke against requiring children to wear masks. I can’t speak for my counterparts, but my reasoning was a cost-benefit analysis. The benefits of masking children are small to none; the costs are much higher.

The scientific evidence is clear.

He then goes on to cite site some science.

Kari Stefansson, senior author of a study  study from Iceland conducted early in the epidemic when masking was uncommon showing that incidents of covid in children is far less than adults, stated that children are “less likely to get infected than adults and if they get infected, they are less likely to get seriously ill. What is interesting is that even if children do get infected, they are less likely to transmit the disease to others than adults.”

According to Bhattacharya, “many studies in the scientific literature reach a similar conclusion: Even unmasked children pose less of a risk for disease spread than adults.”

For example, Jonas F Ludvigsson, a paediatrician at Örebro University Hospital and professor of clinical epidemiology at the Karolinska Institute wrote letter to the editor published in the New England Journal of Medicine titled “Open Schools, Covid-19, and Child and Teacher Morbidity in Sweden” has found that “Despite Sweden’s having kept schools and preschools open, we found a low incidence of severe Covid-19 among schoolchildren and children of preschool age during the SARS-CoV-2 pandemic…No child with Covid-19 died…Among the 1,951,905 children who were 1 to 16 years of age, 15 children had Covid-19, MIS-C, or both conditions and were admitted to an ICU, which is equal to 1 child in 130,000.”

You can read more about this specific story here, as he has quit his research due to the harassment he received for simply presenting data.

Why This Is Important: So, there are the points made above, and then there are papers outlining the supposed dangers and ineffectiveness of masks. Many have been published in peer-reviewed scientific/medical journals prior to covid, and during covid.

For example, one paper titled “Facemasks in the COVID-19 era: A health hypothesis” concludes:

The existing scientific evidences challenge the safety and efficacy of wearing facemask as preventive intervention for COVID-19. The data suggest that both medical and non-medical facemasks are ineffective to block human-to-human transmission of viral and infectious disease such SARS-CoV-2 and COVID-19, supporting against the usage of facemasks. Wearing facemasks has been demonstrated to have substantial adverse physiological and psychological effects. These include hypoxia, hypercapnia, shortness of breath, increased acidity and toxicity, activation of fear and stress response, rise in stress hormones, immunosuppression, fatigue, headaches, decline in cognitive performance, predisposition for viral and infectious illnesses, chronic stress, anxiety and depression. Long-term consequences of wearing facemask can cause health deterioration, developing and progression of chronic diseases and premature death. Governments, policy makers and health organizations should utilize prosper and scientific evidence-based approach with respect to wearing facemasks, when the latter is considered as preventive intervention for public health.

I’ve written about a study published in the New England Medical Journal by Harvard doctors that outlines how it’s already known that masks provide little to zero benefit when it comes to protection in a public setting. According to them,

We know that wearing a mask outside health care facilities offers little, if any, protection from infection. Public health authorities define a significant exposure to Covid-19 as face-to-face contact within 6 feet with a patient with symptomatic Covid-19 that is sustained for at least a few minutes (and some say more than 10 minutes or even 30 minutes). The chance of catching Covid-19 from a passing interaction in a public space is therefore minimal. In many cases, the desire for widespread masking is a reflexive reaction to anxiety over the pandemic.

The papers cited above are a few of many, there are a plethora of them available within the scientific literature.

YES, there are also studies that claim and explain why they believe masks are an effective tool to mitigate the virus, and we know that organizations like the Centres For Disease Control (CDC) deem them to be extremely effective and necessary.  The point is, why are those who point out, explain, and provide evidence and reason for the idea that masks are not effective being heavily censored, vilified, and ridiculed? What’s going on here? Why is proper debate and discussion being completely shut down and why are those who are creating awareness about these issues labelled as “dangerous anti-maskers.” This, in my opinion is quite frankly, insane and completely anti-scientific.

Perhaps I can offer an explanation, it’s because any type of information, data or evidence, no matter how credible, that opposes the measures and narrative of government and big media threatens various business/agendas in these powerful circles. It begs the question, does government and government affiliated health/business really look out for what’s best for its citizens? The covid pandemic has definitely served as a catalyst for more people to ask that question who wouldn’t have prior to the pandemic.

This is just my opinion, but in presenting it I put our platform, Collective Evolution, at risk being punished in various ways for simply sharing it.

The Takeaway: At the end of the day, it’s not about who is right or wrong, the fact that simple discussion and pieces of evidence that change the narrative, or threaten it, is being shut down, censored and completely ridiculed is quite concerning. The mainstream media continues to fail to have appropriate conversations surrounding all things covid while forcing their narrative on the public. This in turn has created a great divide among the citizenry when really, we should all be coming together and respecting everybody’s decision to act as they please.

When things are not so cut and dry, it’s questionable whether or not we should really give governments the ability to control our lives in the manner they have done with this pandemic.

Science is being suppressed for political and financial gain. Covid-19 has unleashed state corruption on a grand scale, and it is harmful to public health. Politicians and industry are responsible for this opportunistic embezzlement. So too are scientists and health experts. The pandemic has revealed how the medical-political complex can be manipulated in an emergency—a time when it is even more important to safeguard science. –

 Dr. Kamran Abbasi, executive editor of the prestigious British Medical Journal, editor of the Bulletin of the World Health Organization, and a consultant editor for PLOS Medicine. He is editor of the Journal of the Royal Society of Medicine and JRSM Open. Taken from his published a piece in the BMJ, titled “Covid-19: politicisation, “corruption,” and suppression of science.”

Dive Deeper

Click below to watch a sneak peek of our brand new course!

Our new course is called 'Overcoming Bias & Improving Critical Thinking.' This 5 week course is instructed by Dr. Madhava Setty & Joe Martino

If you have been wanting to build your self awareness, improve your.critical thinking, become more heart centered and be more aware of bias, this is the perfect course!

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Ontario, Canada To Impose Stricter Measures: Lockdown & Stay At Home Orders Are Not Working

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CE Staff Writer 5 minute read

In Brief

  • The Facts:

    The Ontario (Canada) government is set to impose even more restrictions and enforcement on the citizenry despite already being in lockdown and stay at home order mode. The announcement will be made this afternoon.

  • Reflect On:

    Why do governments continue to ignore the vast amount of research and data that's been published showing lockdowns and other restrictions do nothing to stop the spread of covid, and are probably doing more harm than covid?

Before you begin...

Coherent icon

Take a moment and breathe. Place your hand over your chest area, near your heart. Breathe slowly into the area for about a minute, focusing on a sense of ease entering your mind and body. Click here to learn why we suggest this.

What Happened: Ontario, Canada is and has been well into a province wide lockdown and stay at home order. Most businesses, if not already permanently closed from going out of business, have been reduced to curb side pick-ups only, while essential stores, like grocery stores, have remained open. This has been ongoing, on and off, as all of you know for more than one year now.

This afternoon, the government is set to announce even more restrictions.

According to CTV News Toronto,

Sources tell CTV News Toronto and CP24 the latest data, which is expected to be released on Friday, shows that based on Ontario’s current trends there could be between 12,000 to 18,000 new daily infections by the end of May, with up to 1,800 patients in intensive care. The measures under consideration include shutting down construction to just critical infrastructure projects and placing limits on non-essential manufacturing and warehousing. Additional restrictions on religious services are also being considered by cabinet.

Ontario is also considering more enforcement with regards to fines for those who disobey rules, and perhaps shutting down curb side pick-ups of some non-essential retailers.

Cases, however, are still accelerating exponentially. A lot of “fear-mongering” and concern is being raised by government public health officials, doctors and scientists. On the other hand, you have a number of doctors and scientists who are not as concerned, explaining that the number of cases, and rising case numbers are not as big of a threat as it’s being made to be, especially given the fact that infection can provide an immunity that is stronger than the supposed immunity a vaccine can provide. They have also been pointing out that we are dealing with a virus that has a very low mortality rate, 99.95 percent and higher for people under the age of 70, to be exact.

Many in the field have been creating awareness around the catastrophic impacts of lockdowns, providing data showing that lockdown measures around the globe may have already killed more people than covid itself, and will have lasting impacts for years to come while they affect most aspects of humanity. Furthermore, they’ve also presented a wealth of data showing that lockdowns are not effective at all at stopping the spread of the virus, that they are, essentially, useless.

This is quite confusing, if lockdowns and restrictions do nothing to curb the spread, why is government, especially the Ontario government, acting like they are effective and necessary tools? Why do they also completely ignore the idea that lockdowns may be completely ineffective and more harmful? This is a discussion that has not at all been had within the mainstream, and renowned experts in the field who are presenting this data have been completely ignored, censored and in many cases ridiculed.

Another point that’s being used to justify restriction measures is the fact that hospitals in Ontario are at capacity, and ICUs are full. This has always been a concern in many countries, especially in Ontario, Canada. For example, in 2017 more than 50 percent of hospitals in Ontario were above 100 percent capacity. There are examples all over the world for the past decade. That being said, is covid adding to this, or is it simply something we’ve always seen in hospitals? Is the only difference big media coverage?

Why This Is Important: Sure, many people might agree with lockdowns and other mandates. It’s hard to hear, however, the Ontario government constantly blaming portions of the population for the fact that they are not being effective, without ever considering, as again something that’s been shown time and time again in several countries, that lockdowns are simply not effective in stopping the spread. If this is the case, it renders lockdowns useless and paints a bad picture for government, which would be the fact that they’ve done nothing but put people in harm’s way.

In the case of covid, it’s quite clear that people of all backgrounds and professions are split. You even have world renowned experts in the field split on these issues, with many opposing and supporting measures. This as a result has many people confused, and it begs the question, should government really have the authority to put mandates into place that restrict our movement, rights and freedoms? Is this really about the virus, or about the benefits that big tech, health and government will reap and have been reaping from this pandemic? When measures go against the will of so many people, should government not be allowed to mandate such measures and instead, present their science and make recommendations to people, leaving them the choice to act in ways they see fit? Are we living in an age where government and big tech are doing the thinking for us, telling us what is and isn’t and trying to control our lives more and more every single year? How do we stop this? Why do we continue to comply? One thing is certain, covid has been a great catalyst for more and more people to really question what type of world we are currently living in.

Dive Deeper

Click below to watch a sneak peek of our brand new course!

Our new course is called 'Overcoming Bias & Improving Critical Thinking.' This 5 week course is instructed by Dr. Madhava Setty & Joe Martino

If you have been wanting to build your self awareness, improve your.critical thinking, become more heart centered and be more aware of bias, this is the perfect course!

Click here to check out a sneak peek and learn more.

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