Once money goes into a charity, it is tax exempt, so that's a benefit you get. And in return, you have to use the assets of the charity to serve the public good. So if Trump is using this money basically to save his businesses, the money isn't helping people. That's a violation of the letter and the spirit of law.

Not long after I was married, World War II began. My husband John volunteered for the Navy and was sent to Pensacola for training as a Naval Combat Air Crew photographer. It seemed a strange assignment for a young newspaper editor and writer, already exempt, but off he went, saying goodbye to our 18-month-old Johnny and me.

Increasingly, we're seeing two worlds in Canada. The world for most Canadians is increasingly unaffordable, involves more precarious work, and is a harder place in which to get by. The second world is an exclusive club for the wealthy and well-connected who get special access and are exempt from rules the rest of us play by.

Physicians today, as human beings, are not exempt from the perverse economic pressures created by fee-for-service regimes to see more patients for shorter appointments and order more tests and procedures. If the incentives were changed to pay to foster better health outcomes, I am convinced physician behavior would change over time.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

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