Author: Brent Higgs

The hardest question out there is the About yourself question? All I can say is read my blogs and learn about my beliefs my feelings, my friends. and such.

Envision Financial - A division of First West Credit Union

Financial Services provider goes above an beyond to serve account holder!

Not all financial instantiations are equal! You may have heard this saying in the past but I can for sure say that this statement is so true. (more…)


Security Tip: Facebook Photo Albums

A lot of people I would say do not know about some of the security and privacy features of FaceBook and the Photo Album.

Situation 1:
“You are the proud parents of a new baby. Your family is scattered all over the world and you just want your family to be able to see the beautiful pictures of your new baby, but you’re afraid that who else will see those photos of your little bundle of joy.”

It is very simple to set this up with FaceBook.  When you go to create an album you have the standard form, Name the Album, Location, and Desctiption. Right below that is Privacy Settings. This is where I would like to focus. mainly is this little section.

By default the slection for privecy setting who can see this? is set to everyone.  What you want to do is select “Custom” Once you have selected Custom… you will recieve the “Edit Photo Album Privecy” dialog  Select Some Friends. In the text input feild start typing the names of the friends, or the name of the friend list that you want to have viewing rights on your photos.

Don’t for get to Click save.

Just Haven Fun with Google

Okay I saw this on a friends of minFaceBook notes and figured I would give it a try and see…

Q: Type in “[your name] needs” in the Google search. A: Brent needs to examine his self-proclaimed Godly status

Q: Type in “[your name] looks like” in Google search. A: Brent Looks like George W Bush

Q: Type in “[your name] says” in Google search. A: Brent Says “Help Me”
Q: Type in “[your name] wants” in Google search. A: Brent wants me to purrrrr…

Q:Type in “[your name] does” in Google search. A: Brent does supermarket sweep for Adoption Week

Q: Type in “[your name] hates” in Google search. A: Brent hates Sexism

Q: Type in “[your name] asks” in Google search. A: Brent Asks for Vote.

Q: Type in “[your name] likes ” in Google search. A: Brent Likes Fire

Q: Type in “[your name] wears ” in Google search. A: Brent wears a Hundred Hats

Q: Type in “[your name] was arrested for” in Google Search. A: Brent was arrested for DUI

Q: Type in “[your nane] loves” in Google Search. A: Brent Loves Teaching and working in the garden.

Well that is that some of the answers that I was getting from google where at best intresting. First off the being arrested for a DUI is something I would not be able to be arrested for seeing that I Don’t Drive nor do I have the visual striegnth to be able to optian my drivers Licensce.  I do have to agree that I do wear many hats on a daily basis.

Global Warming or Global Cooling?

Glaciers Growth in Alaska

Glaciers Growth in Alaska

I find it intresting that I red an article on that the Alaskan glaciers have grown in the past year due to a lower then average tempature during the summer (3 Degrees or so). Are the glaciers shrinking I feel they are not shrinking as the global warmming groups say, when you have reported growth of mass of the glaciers in alaska as well growth of the poler ice.

It is mentioned also that in the article that the rate of shrinkage of the glaciers in Alaska has been slowing since the 1900’s, where from 1740’s to the 1900’s was when the largest amount of shrinkage of the glaciers was reported.

It also has been reported that the world goes threw natural heating and cooling cycles, as well the reduced solar activity or solar flares of the have also caused the cooler tempatures.

Terrorist or ILLUMINATI?

The crater at the scene of the Dawson Creek natural gas pipeline explosion.

Now is it a Terrorist or is it the government or the ILLUMINATI flexing their muscles and showing off that Canada is n ot exempt from the ILLUMINATI and their power.  Or is this an attack to prevent the flow of natural gas to the North West of the US and the south Coast of BC to drive up the Heating costs for this winter that is just around the corner.

Bank forces customer to default on loan payment!

TD Canada Trust forced a customer to default on loan payment on October 6, 2008.  On September 30, 2008 the Customer arranged with the Holding Branch of the loan to deffer the next loan payment that was due to come out of a Business account that the customer held with TD Canada Trust. On October 3, 2008 The Customer had to initiate the phone call to follow up with Rob at TD Canada Trust Branch 9272 Located in New Westminster, BC to leave a Voice Mail message to have Rob call the customer back.

When Rob called the customer back, Rob was blunt and straight to the point ans told the customer that his application was denied due to a out standing debt that the Customer owed TD Canada Trust for an account that was closed by the branch and sent directly to the TD Collection department.

When the Customer Contacted the Collections department the Collections department was very unhelpful and was not even able to view why the account had be closed or what the out standing charges where on the account.  After the customer had dealt with the Collections department, the customer immediately headed to wards the nearest TD Canada Trust Branch to see if the Customer Service person at the branch would be able to help explain and reverse the Charges that TD Canada Trust had in-cured on the said closed account. Once the charges had been reverse the customer asked again what will happen with the differed loan payment. The Customer Service Rep at TD Canada Trust informed the the Customer that the “Full Loan Payment” was already in transit as the payment date was October 6, 2008.

The Customer had been prepared for the Interest Payment that would have been taken if the loan had been properly deferred in the first place. The Customer to prevent a $47+ NSF charge on his business account he decided to “Close” the business account that the loan payment was scheduled to be taken from.

There are several main factors that led to the decision that this customer had to make

  1. The failure on behalf of Rob at the TD Canada Trust Branch to inform the customer of the out standing debt that had been sent to collection. (As a former employee the customer knows that any messages are displayed when ever a person calls up a customer profile)
  2. The failure of behalf of Rob at the Branch to contact the Customer that the Customers request was denied because of the account that had been sent to collections.
  3. The Collection Departments inability to rectify or assist the customer with the outstanding matter.
  4. Once the problem with the closed account was dealt with TD Canada Trust was still unable to assist the customer with deferring the loan payment.

The Customer was left no choice but to close their accounts with TD Canada Trust to provent Further Problems with the accounts.

Now my question is why would a Financial institution such as TD Canada Trust deliberately force a customer to default on a loan payment.

The Customer was prepared for such a matter as he had already setup Both Business and Personal bank accounts at another Bank.

Government Ready to Create Deficate

Canadian Money to be injected in to the Banking System

Canadian Money to be injected in to the Banking System

I am not sure how much the Main Stream Media has been covering the Canadian Governments plans to create a $10 Billion Defecate. What I have read on bloom-berg and Routers is that the Canadian Government is willing to hand over $10 Billion to the Banking System here in Canada creating a national defecate. Also the Bank of Canada has an option to swap or borrow $30 Billion US with the US Federal Reserve.

What this will do is put Canada in to Debt and Esculate the speed of a resession that these action would create

Why I don’t goto bed right after getting off work at 3am

Well lets see I work evenings and when you work evenings you turn into some sort of nocturnal creature. What gets me is one of my friends who happens to also be a business partner in a venture we have together why I get up at 3pm once I get off work at 3am, well to answer that there are a few things.

First of all I have to walk home from work at 3am, there is no bus service and nor do I want to pay a for a cab. so it takes me about an hour or so to get home depends on the route, weather, and how many stops I make on the way home while walking.

Secondly once I get home I have to spend some time winding down eat a lite meal before heading to bed. This is about an hour to two depending on how much winding down I need to do and what I feel like eating. As well I sometimes spend some time writing on my blog as it is 5:20am and I am righting this blog entry.

I would love to meet a single person that gets off work at 3am and comes straight home and into bed, I doubt there is a single person that does that. Now I will admit that when I have worked days I’ve come home and had a nap right after work but It only lasts about 2 hours then I’m back up and doing stuff.

What is driving you?

What is driving you, or your business? Is it keeping up with the Joneses or is it something else?  I can say for myself at times it has been keeping up with the Joneses. I have come to the realization that when I am trying to keep up with the Joneses I’m trying  to live the dreams of someone else. I have to start living my dreams and start to focus on my dreams not matching my dreams to  someone else dreams.  I have to get my own Dreams and let my own dreams drive my life.

The pursuit of dreams can be hard and long, but first you need to determine your own dreams. This can be done by doing a sit down with a pad of paper and pen and just start writing your dreams as they come to mind, you don’t have to be realistic but they have to be possible. Some examples from my dream list are getting married, having kids, blowing up a building, launching a satellite, and all of these are very possible. So don’t let anyone or any dream be omitted from your list of dreams

Satureday Night @ BP

I got called in to work this fine evening to assist and cover a part of someone else’s shift, I was scheduled to work from 9pm to 12am but ended up working from 8:45pm to 1:45am. Don’t get me wrong I’m not complaining about the fact that I got 2 extra hours of work. For it being my 3rd shift at BP I feel I did well and so did my co-workers. At one point during my shift I did feel a little overwhelmed with the work but that will be overcome once I know the menu much better.