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Artist at Work: Articles regarding Disability Insurance for Freelancers
First of a series of articles written by Aidan Cosgrave, of J.S.T. Productions.

Canadian Art Issues: Canadian Conference of the Arts Bulletins

Music Reviews: Penguin Eggs
Music Reviews written by Roddy Campbell, Editor of Penguin Eggs.

Visual Arts: From the Pen of Robert Genn
A biweekly commentary written by Artist Robert Genn.

Visual Arts ^

Robert Genn visual artist at canadaart.INFO
From the pen of

Robert Genn

Subscribe to Robert Genn's twice weekly letter for insight and inspiration for your artistic career.

May 9, 2008

"Heuristic (pronounced hyu-RIS-tik) comes from the Greek "heuriskein" meaning "to discover." The heuristic process means achieving some desired result by intelligent guesswork rather than by systematic formula. Generally used in the fields of invention, computer science, psychology and law, examples of its use would be "seat of the pants," and "trial and error." Heuristic thinking generally results in reasonably close solutions. The benefits are speed and expediency.

The daily act of creating art is full of it. Here's an example: To choose the colour and tone value of the light part of the sky, the colour chosen can be seen as correct only when the rest of the colours around it are applied. Thus, when applying a sky early on, an artist must make a heuristic decision to commit to an approximate sky colour. The artist then has the choice of leaving it and remaining true to the first guess, or modifying it, perhaps many times. Heuristics can apply when artists are looking for both realistic and imaginary truth.

Some media, such as oil or watercolour, require a deadly eye and knowledgeable commitment. "Forgiving" media such as acrylic and pastel are modified more readily. Here are a few ideas for squeezing value from heuristics in any media:
Start anywhere.…"

Read the illustrated responses to the last letter: "Mickey Mouse Bill".

 

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Artist at Work ^

Peace of Mind

I recently received an e-mail regarding a member of the arts community who had become ill, was no longer able to work and needed some financial assistance. As I have done in the past, I sent a cheque to assist, though I knew this was only a band-aid solution. In the e-mail it indicated that the individual had no savings, no RRSPs, and no Disability Insurance. Unfortunately this is not an uncommon story. I suspect that many readers of this article are in need of reviewing their financial management strategy.

As I wrote the cheque I thought back to other cheques that I have written in similar situations and decided it was time to spread the word to freelancers about the importance of carrying Disability Insurance. To begin, I conducted an unscientific survey, asking freelancers if they have disability insurance. The good news was that the majority knew what Disability Insurance was; the bad news was that the majority did not carry it.

I know that this is an old topic but clearly the message has not resonated with its target. This is evidenced by the recent announcement in the States that the Altman Family will be matching donations to support a fund for members of the arts community who have been injured or fallen ill.

Why didn’t the surveyed freelancers have coverage? One individual seriously said, “I don’t require coverage because I am careful at work”. Most indicated that they are covered by WSIB or the group plan offered with their membership in an industry association. While these are valuable to freelancers, WSIB only covers an individual when they are injured on the job and many group plans only offer short-term coverage.

Disability Insurance offers extended coverage and, most importantly, covers you when you slip in front of a bus, fall ill, or, in the worst case, have been diagnosed with an incurable disease.

After understanding the limitations of WSIB and group plans the next reason given for not having coverage was the cost and hassle of signing up. I did not have an answer for this so I enlisted the help of my Insurance Broker to review various plans and find a financially viable option with simple sign up procedures.

For those unaware, Disability Insurance is a form of insurance coverage that provides a portion of income lost as the result of a total or partial disability caused by either an accident or an illness. Who should carry this insurance? Everyone. Who MUST carry this insurance? While it is not the law, it is commonsense that all individuals who are freelance and/or small business owners should carry disability insurance.

As noted, the reason many individuals in the arts community don’t have disability insurance is because it is perceived to be expensive. On average by investing approximately 3% of your annual income you can protect almost 90% of your income. More importantly Disability Insurance offers peace of mind, knowing that in the event that you are injured or fall ill, your financial situation will remain relatively solvent.
As a small business owner, I am very aware of the cost of insurance and the need for Disability Insurance. But I am also very aware of the cost when an individual does not carry the necessary insurance and becomes injured or is fallen by an illness. We are all human and tragedy can strike at anytime. There are too many in the community who have ignored the need for RRSP’s, life insurance, savings, and most importantly Disability Insurance.

This article is only the first step in ensuring that I don’t have to write any more cheques.
Step 2 - continue to spread the word about the importance of Disability Insurance
Step 3 - offer assistance to those with questions
Step 4 - source a cost effective and hassle free disability insurance plan
Step 5 - ensure that the curriculum in all Arts related programs includes a course on the
financial responsibilities of the freelance community

Disability Insurance = Peace of Mind.

aidan cosgrave
J.S.T. Productions
jstproductions@bellnet.ca

 

Music Reviews ^

Music Review Penguin Eggs

Carolyn Mark
Nothing Is Free
Mint Records, Inc.

This critic has been a fan of Carolyn Mark’s for awhile and has favourably reviewed a few of her discs in the pages of this magazine. Her off-kilter humour and witty way with a lyric are still in strong evidence on such tracks as The 1 That Got Away (With It), 1 Thing, or Pictures At 5 but as she moves through this new disc there’s a new airiness and space in her songs that provides ample room for them to breathe. She doesn’t seem as concerned filling the spaces with a denseness as she did in the past...
– By Barry Hammond.

Les Chauffeurs à Pieds
Au Studio Des Trois Lits
Scorbut Disques

This fifth disc from Les Chauffeurs is a bit of a retreat from the Quebecers’ genre-bending earlier outings. For one thing, it’s all tunes. Songs, particularly chanson à répondre and complaintes like Complainte de Joseph Trépanier, have been such highlights in this band’s repertoire that to release a fully instrumental recording at first seems a little odd. For another, there’s none of the outsider instrumentation or exotic arrangements that cropped up in the band’s earlier days. There’s a taste of Benoît Fortier’s French horn, a banjo on Buck-reel de Cascapédia, but nothing particularly out of the ordinary...
– By Richard Thornley

Notre Dame de Grass
New Canada Road
Independent

It’s difficult not to listen to a band with the best monicker in the Canadian bluegrass business, being named after the venerable Montreal neighbourhood, Notre Dame de Grace. This 14-song disc starts where bluegrass bands fear to tread, into Canadian nationalism. The title song, which laments the selling out of our country to the Americans, could have been written by the Council of Canadians, but at least the toilet paper’s cheap...
– By Mike Sadava

North Sea Radio Orchestra
oof! Records

I first heard last year the NSRO on Stuart Maconie’s fabulous FreakZone (Sundays on BBC 6 Music). With no domestic release in sight, I broke down and ordered from amazon.co.uk. Been listening incessantly ever since. If you find acoustic chamber folk pop too fay and aery, give this one a pass. However, if you have any affection for the vocal qualities of Kate Bush, the arrangements of Sufjan Stevens or the delicacy of the Penguin Café...
– By Gallagher Parkinson

Cori Brewster
Large Bird Leaving
BRE

It’s been several years since Cori Brewster last released a disc. Parenthood will gobble up time quickly like that. Those in that phase of life generally return with a new-found appreciation for music and what it can mean. Brewster has a sweet voice of positivity that lends itself well to the self-penned tracks of life, love, time and discovery. Once dabbling in the Nashville country realm, she has resurrected with a style less confining that allows her to slip in and out of genres as they suit her mood...
– By Chris Martin

more
from Roddy Campbell at Penguin Eggs!

Canadian Art Issues ^

CCART news about canada art at canadaart.info
Canadian Conference
of the Arts

Ottawa, November 20, 2007

Ottawa, November 20, 2007CCA Bulletin 36/07 – Update on various files

* The Government of Canada Launches a National Competition to Determine the Location of the Future Portrait Gallery of Canada
* A New International Organization is Formed: the International Federation of Coalitions for Cultural Diversity (IFCCD)
* The CCA Writes to the Honourable Jim Prentice, Minister of Industry
* Good News for Festivals
* Federal Subsidies and Contribution Agreements: Where Do Things Stand?
The Government of Canada Launches a National Competition to Determine the Location of the Future Portrait Gallery of Canada
On November 9, 2007, the Honourable Josée Verner, Minister of Canadian Heritage and the Honourable Michael Fortier, Minister of Public Works and Government Services, announced that the Government of Canada was launching a Request for Proposals to determine where the future Portrait Gallery of Canada will be built. This Request is addressed to all public and private sector presenters in the following nine cities: Halifax, Quebec City, Montreal, Ottawa-Gatineau, Toronto, Winnipeg, Edmonton, Calgary and Vancouver. These cities were selected because they have large populations and efficient transit networks, and are likely to attract foreign visitors.
This announcement clearly marks the death of the previous plan involving the conversion of the former American embassy, across the street from the Parliament Buildings, a plan on which over 11 million dollars has already been spent. We note as well the aborted plan to build the Portrait Gallery in Calgary, with funding from the private sector. The current call for tenders marks a clear turning point in government policy concerning national institutions, one already evident in last year’s announcement of the Canadian Museum for Human Rights in Winnipeg, based as well on the idea of partnerships between the government and the private sector and of decentralization away from the National Capital. Ms. Verner, expressed her desire to circulate the new Gallery’s collection, so that as many Canadians as possible can see the faces which have made their mark on Canadian history. This new policy direction is eliciting both favourable and critical reaction.
The government hopes to make the announcement concerning the new site of the Portrait Gallery of Canada next spring, which leaves little time for presenters to find partners for such a project. According to the government’s timeline, this new cultural installation should welcome its first visitors during the 2011-2012 season.
A New International Organization is Formed: the International Federation of Coalitions for Cultural Diversity (IFCCD)
On September 19, representatives of 37 national coalitions favouring cultural diversity meeting in Seville, Spain, formed the International Federation of Coalitions for Cultural Diversity (IFCCD). The Federation will take over from the International Liaison Committee of Coalitions for Cultural Diversity (ILC-CCD), which has coordinated and provided support for the work of various national groups since 2003, and has liaised with UNESCO and with the International Network on Cultural Policy (INCP).
Organized through the efforts of the Spanish Coalition, the founding convention was an opportunity to set out the structure of the Federation. A ten-person Board of Directors was chosen, chaired by Rasmane Ouedraogo, president of the Burkina Faso Coalition. The Federation will be incorporated in Canada, its headquarters will be in Montreal, and its Secretary General will be Jim McKee, Executive Director of Canada’s Coalition for Cultural Diversity. Solange Drouin, co-chair of the CCD, was elected treasurer. The French Coalition will serve as the Federation’s representative to UNESCO.
In the closing declaration of the Seville meeting, the representatives of the participating coalitions set out the mandate of the new Federation. For example, the IFCCD will support countries’ ratification of the Convention on the Protection and Promotion of the Diversity of Cultural Expressions, so as to reach the goal of ratification by 150 countries by 2010, in particular, by those countries from under-represented areas (Asia, the Middle East, Africa). As well, the Federation will support the creation of new national coalitions, and will work to speed up the implementation of the Convention.
The CCA Writes to the Honourable Jim Prentice, Minister of Industry
On October 29, the CCA sent a letter to the Honourable Jim Prentice, Minister of Industry, urging him to use his discretionary powers to assure that Statistics Canada’s Survey on Giving, Volunteering and Participating be continued. This survey, conducted in its present form since 2001, provides an indication of the dollar value of all donations and of the time given by citizens to non-profit and charitable organizations. The survey, and the budget associated with it, are now at risk as a result of budgetary adjustments taking place at Statistics Canada.
The CCA letter notes that the arts and cultural sectors provide a livelihood for over 600 000 Canadians, many of whom work for non-profit organizations. In many cases, these organizations are heavily dependent on the work of volunteers and on income from donations. The information provided by the Statistics Canada survey is, therefore, of great importance to many organizations in the arts and cultural sectors (and in other sectors), which rely on it as a yardstick to evaluate their fundraising efforts among private donors, as well as their audience growth.
Good News for Festivals
On September 12, 2007, the Minister of Canadian Heritage, the Honourable Josée Verner, announced the creation of a new program called Building Communities Through Arts and Heritage. This announcement fulfills a commitment made in the 2007 federal budget to devote $30 million a year over two years to local festivals and special events.
One of the strong points of this announcement is definitely the news that $7 million from this program will be added to the budget of Arts Presentation Canada, to provide support to professional arts and heritage festivals. This funding will be gradually introduced, and will be fully available in 2009-2010.
Federal Subsidies and Contribution Agreements: Where Do Things Stand?
Some may recall the recommendations made last winter to the federal government by the Blue Ribbon Panel on Grants and Contributions
An implementation process for these recommendations has been established under the direction of the Treasury Board, with representation from concerned parties. Imagine Canada has formed a working group, which meets every six weeks with government representatives. During a meeting this past June attended by the CCA, the non-profit sector identified three clear priorities, which were accepted by the Treasury Board:
* The gradual establishment of a multiyear funding scheme
* The establishment of a uniform implementation regime for all departments
* A commitment by the government to set measurable standards regarding the handling of applications (e.g. standardized forms, time limits for processing applications, verification requirements, etc.)
Given that the administration of many subsidy programs and contribution agreements has been transferred to the provinces, the working group formed by Imagine Canada will look at the need for provinces to take measures similar to those being developed at the federal level. Significant progress on this question should take place during 2008, and the CCA will keep you informed of any major developments.

Publication of
Canadian Conference of the Arts

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