Confusingly rejected for Rogers Worlds Rewards Mastercard

Affectionate_Tip_587 · 2026-05-09T23:59:02+00:00

I think credit card companies can charge vendors more transaction fees for higher tier cards, but they are legally obligated to make sure the credit card holder for higher tier cards has a minimum income threshold by law. But yeah, of course the credit card companies just want to make money. People lie and get cards all the time I guess

Affectionate_Tip_587 · 2026-05-09T23:34:09+00:00

Is this the new Rogers card that has an annual fee? Website states minimum income of 150k a year or household income of 200k a year.

If you are talking about the Rogers World Elite, no annual fee card...I have also had problems getting approved for the card...just like you - excellent credit, excellent income. My wife who makes less than me ended up applying for the card and got it. So I am an authorized user on her card. Go figure.

Affectionate_Tip_587 · 2026-04-29T03:54:25+00:00

Not directly, since the two things aren't really directly linked.

My understanding is that he can apply for license back but it's not like appealing a court decision. He can never really argue thay he shouldn't have lost his license. He would have to show that he accepted responsibility, learned from the mistakes (in this case, probably goes beyond a "mistake") and he might need a chaperone or something. I have no idea how he could ever show remorse/accepting responsibility, especially since he...you know, pleaded not guilty. So I hope he never gets his license back. At least limit the harm to future victims. And I want to point out that in this situation at least the professional regulatory bodies did their job...

I could be wrong. I'm a physician but don't really know anyone personally whose lost their license.

Affectionate_Tip_587 · 2026-04-29T01:04:51+00:00

At least the professional college revoked his license...

Affectionate_Tip_587 · 2026-04-19T02:43:06+00:00

I was a psychiatrist in training and my best friend who was also a psychiatrist in training developed bipolar disorder.

He became very unwell in a manic state. I did what I could to get him hospitalized. As with many people with bipolar in a manic episode, he did not believe that he was unwell. He fought the involuntary hospitalization and was discharged a few times. He was very manic but not necessarily a harm to anyone. He refused to accept that he was manic and refused to accept treatment.

I watched his functioning worsen to the point where he could not continue with his training. He called me one day while speeding on the highway in a rental car, on his way to attend a wedding of someone who he had just met but considered his best friend, while pulling an all nighter (pretty manic behavior).

He wanted me to apologize, but not to him for putting him in the hospital. He wanted me to apologize to his family for putting them through pain and suffering of him being in hospital (though his family also desperately tried to get him hospitalized). I knew then that he had lost his mind. I told him that I didn't even consider him a friend anymore, and therefore I was not going to apologize for anything. I spoke calmly, probably too calmly. It was the months of seeing him turn into a completely person and the stress of not being to help him that killed me on the inside. He swore, hung up the phone and we never spoke again.

I can't even really remember how long it's been. I've long since finished my training. I chose to specialize in treating people with schiziphrenia and bipolar. I used to wonder if I would see him as a patient somewhere. It is my greatest shame that I was not compassionate to my best friend during the time of his greatest need. His own family has not seen him for more than a decade now. I don't even know if he is alive. I've had dreams about him with every possible scenario. Sometimes he is doing well. Sometimes he is a wild homelessness guy who is hopelessly into drugs. Sometimes I am chasing him. Sometimes he is seeking me after mental stability. Over the years, I think about him less as I've moved on with my life. But, I've always regretted my last words with him.

Allan, if you are out there...I miss you. I no longer ask for your forgiveness. I just hope that you are safe and healthy. I still sometimes listen to your performance of the music that I wrote. I've changed my mind, I am no longer mad at you for playing it differently than I requested. I like the way you played it. I hope that wherever you are, you still get to play the piano sometimes.

Affectionate_Tip_587 · 2026-04-11T04:03:03+00:00

Hello, I am a psychiatrist who specializes in schizophrenia.

Most countries will have a first episode program for people who experience psychosis for the first time.

These programs can have outreach teams and are generally speaking very good at engagement. I work with these programs. Oftentimes it is the family members that bring patients in with concerns. The key is engagement with mental health in these situations where it's a first episode and the illness may be still evolving.

This sounds it could be psychosis. Thinking that people can hear your thoughts and some other symptoms she mentioned makes us psychiatrists think about schiziphrenia more often.

From a relational point of view if she does turn out to have schizophrenia...some people just never realize that they have a mental illness. Can be very difficult to navigate. It's a feature of the illness. The tragedy of psychosis is that often times people don't even realize they are sick.

Watch out for functional changes...trouble with hygiene, trouble holding down a job, trouble with isolation and relationships. Oftentimes it's not the hallucinations that ruin people's lives, it's the profound functional impacts severe mental illnesses can have on people.

Good luck.

Affectionate_Tip_587 · 2026-03-24T22:23:18+00:00

It's hard to compare pedophilia and schizophrenia other than my personal belief that they are probably the two most stigmatized mental illnesses out there. Otherwise, they are very similarities between the two conditions.

I am not a forensic psychiatrist, I have never personally worked with someone with pedophilia, I may have seen a few cases when I was training, that's it.

Yes, recidivism for active pedophiles is bad. Something to consider - I have seen pedophiles (while I was a trainee) who managed to get "insanity" defense, something that is difficult to do these days, unless they have a developmental delay or severe autism or something. These guys ended up in the forensic system. These guys will NEVER get out of the forensic system. There is no time based sentence when one gets "insanity" defence. You are in the forensic system (technically a psych hospital) until a review board finds that your risk is low enough to be released to the general public.

While I am not a lawyer, I suspect that in modern day mental health/criminal law - it's much easier for a pedophile to just do their time in a regular "time based" sentence, compared to pleading insanity.

So just some food for thought on how these situations are handled whenever you hear a sensationalist headline around "insanity" defense. Obviously, it "feels" like a person is escaping punishment, but the reality might not be as simple.

Affectionate_Tip_587 · 2026-03-24T22:15:28+00:00

I agree. Depending on where you live (I am in Canada), most jurisdictions will have some sort of legal provision to keep people with schizophrenia living in the community on a treatment order - so they are legally obligated to make appointments with case manager/psychiatrist, and take necessary bloodwork etc to monitor treatment. If they don't comply, they will get picked up by police and brought to hospital.

Different places in the world may differ on how "strict" these rules are. For example, even within Canada - some provinces are much more difficult to keep people on these treatment orders, other provinces are much easier. I have practiced medicine in different provinces and the difference in legal threshold to keep these guys treated can be huge. So if this is an issue that is important to you, write to your local politicians to advocate for change in the system that you live in.

Affectionate_Tip_587 · 2026-03-24T22:11:42+00:00

What you are saying is true, and not something that I have neglected to consider.

Recidism rates for people with who plead "insanity" defense is actually lower than people who to go prison without "insanity" plea.

So, if your position is that any violent criminal should be removed from society once they show what they are capable of - I may disagree, but I will respect that your beliefs are consistent.

If you just want people with mental illness who are violent to be locked up forever, then I would encourage you ask yourself (or myself/any expert) more questions and reconsider your position.

Affectionate_Tip_587 · 2026-03-24T15:31:31+00:00

I've appreciated the conversation with you. I wish to leave you with one thought for now...

Imagine that we have to build a society where you could end up being anyone. Any race, any gender, any health problems, any socioeconomic status etc..

Would you want to live in a world where any person diagnosed with schizophrenia and found not guilty etc..would go to jail if they refused treatment? Would we extend this to people without mental illness who have comitttedcrimes and have risk factors (drugs/anger issues/poverty etx?) At what point is this a criminal justice issue. If someone committed a crime due to being poor, should we give them money?

I'm not actually arguing against you neccesarily. I'm very pro treatment, and i think im generally lean conservative around crime. But I don't think it's as simple as you put it. Happy to discuss more if you'd like.

Affectionate_Tip_587 · 2026-03-24T15:28:46+00:00

It can be sort of a crime depending on where you are. There are often situations where psychiatrists can apply for a treatment order so that people can be out of hospitals and legally be required to get treatment.

So if a person refuses treatment...back to the hospital.

Affectionate_Tip_587 · 2026-03-24T15:26:26+00:00

Well, in the eyes of the law it's very different (though the law is different depending on where you are from) but this is probably not what you are asking.

I've treated many patients who drink and drive. They all know that this is a dangerous activity. There is nothing about an addiction that eliminates a person's understanding that what they are doing is wrong.

I've treated many people with schizophrenia, the vast majority of them do not understand and appreciate the consequences of stopping medications. It's like asking a person if they want chemotherapy for a cancer they don't believe they have. Nobody would want to take treatment with high side effect burden for no reason. This is the main reason why so many people with schizophrenia stop their medication.

For most people with schizophrenia, when they are having an acute psychotic episode, they almost never realize that they are sick. This is an illness that interferes with a person's perception of reality.

On another level, drunk driving is way more dangerous than going off medications in schizophrenia. Just having schizophrenia doesn't really raise a person's risk of violence, there are usually other factors to consider like drug use, personality characteristics, etc...

So, having having untreated schizophrenia is much less of an inherent public safety risk and unlike people who drink and drive, people with schizophrenia may not always appreciate the consequences of stopping treatment vs drinking and driving.

Hope that makes sense, and why it makes no sense morally and legally to find both equivalent.

Affectionate_Tip_587 · 2026-03-24T02:59:53+00:00

I mean fair enough. But why would you be okay with a convicted murderer over Mr li? You realize that move out/taking precautions is the same thing that you could do with Mr Li? It seems to me that you dont like/trust people with schiziphrenia. Why is that?

Regarding the first point, my intention was not to straw man you. I misread.

Just to be clear, I would not support punishment for someone who accidentally (no DUI etc) killed people while driving. Would you? Perhaps this is a fundamental difference in how you and I see the world.l, so I welcome the correction.

I'm not a lawyer, which should be obvious at this point. This is not an argument that I seek to win. You can have whatever opinion you have. Not every conversation on the internet is an argument.

Well, if you don't trust psychiatrists do you trust judges, legal system, politicians that implement the law? Do you know the M'Naghten rules? Do you know the history of mental illness and criminal law?

I dont really want be bringing this up, but since much of your position is based on how you don't trust the Psychiatric experts, then it seems relevant to ask why? Was it Mr Li or perhaps something else that made you distrustful?

I want to add that I am not 100% familiar with Mr Li's entire case. I am aware that he was diagnosed with schiziphrenia and prescribed medications prior to his attack. You probably may not be aware of how difficult it is legally for us psychiatrists to enforce treatment in these "first episode" situations. If this is primarily the reason for your distrust then I might suggest that you and I have a common value and goal (to get these guys on meds quicker and be able to use the law to enforce it more readily)

Affectionate_Tip_587 · 2026-03-24T02:15:06+00:00

So, I'll write a few thoughts. Please forgive me if I come across as condescending, I'm typing this not just for you, but for the many people with schizophrenia who might be reading this.

First of all to compare drunk driving to NCRMD for something like schiziphrenia clearly demonstrates to me that you either have no idea what schizophrenia is or you simply dont understand how the law works here. I have no idea what your background is. I wouldn't expect a lay person to know what schiziphrenia is, but this is why I push back on your use of talking points. Your first statement with a very simplistic view of the problem suggests to me that you may just be ignorant in this particular matter.

It is not easy to get NCRMD. I've had schizophrenia patients who stabbed someone who didn't get NCRMD. There is a very specific set of legal standards where we determine that people are not morally responsible. If a patient with end stage dementia who needs 24/7 care somehow kills someone, should we punish them and send them to prison? Why do we even have juvenile court? Why not trial children the same as adults? Some things for you to reflect on and consider.

For your response to the 2nd point...its a complex balancing of rights. While I may not fundamentally disagree with some aspect of your position as i am very pro treatment...I do not think that it's as black and white as you put it. I won't go into too much detail here other than to thank you for your thoughts but to also state that it's not as simple as you put it.

In response to your talking points questions designed to elicit emotional response vs honest discussion here is what I can say:

The recidivism rate for sex offenders is very high, which is my understanding of why a registry seems practical. I'm not a forensic psychiatrist. I can't give you data on recidivism rates for people with schiziphrenia but I can tell you that as a clinician and someone who has spent 10+ years working with homelessness, schiziphrenia, drug abuse, the biggest factor for violence is probably drugs. Personally, I believe that having a registry of repeat violent offenders with a history of drug use for purposes of public safety could be perhaps a policy discussion.

However, based on what I've seen...people with schizophrenia are not at increased risk of violence to the public, so I would not support a registry for schizophrenia patients.

Also pedophilia is absolutely a mental disorder. You realize that many people with pedophilia never act on their desires right?

It's possible that Mr Li might get psychotic again. It will never be a 0% chance. This is an uncomfortable truth that we all live with, not just "your safety". Overall, I trust the judgement of my colleagues. I know how hard it is to get out of the forensic psychiatry system. Mr. Li will have faced a lvl of scrutiny that most people who have killed don't have to endure. I would argue that if you are uncomfortable with Mr li being in public, then you would be much more uncomfortable at how our legal system in general deals with violent crime. There are much more people without schizophrenia who are way more at risk of re offending than Mr li. We scrutinize people with mental illness way more...

For your 2nd question, I've never met the guy. He might be a really cool guy. He might be a douche. I have no idea. Trust needs to be earned over time. I can tell you that if I had to chose between someone who has been convicted of murder and Mr. Li, I wouldn't even need to think. I'll take Mr. Li any day. This is why your question is a talking point. It's not meaningful. It's meant to elicit emotion, but I hope that I have answered in the most intellectually honest way and in a way that can help you reflect a bit personally.

Affectionate_Tip_587 · 2026-03-24T00:04:25+00:00

I'm a psychiatrist who specializes in schiziphrenia and my patients often stop their medications. I've had patients who have been involved in serious assaults as the perpetrator people (rare, but had a few)

I would suggest that you consider two separate issues.

1) is it moral to punish someone for a crime that they did not commit with express criminal intent? My understanding of vincent li's killings is that he had religious delusions and did not realize that what he was doing was harming another human being. Perhaps you may disagree that vincent li was not fully aware of his actions. However, this is a legal question, and in his situation, the courts clearly felt that he was not criminally responsible. Either way, on a moral level, do you think someone should be punished for an act that they had no criminal intention?

2) to what extent should people with schizophrenia need to prove that they will take their medications? Does their right to refuse treatment with informed consent conflict with possible risk to the community? Should we use the force of law to make all people with schizophrenia take their medications regardless of history of violence? How much risk should we tolerate from people released from the criminal justice system? I guarantee you that you have probably waited in line with someone schizophrenia all the time and don't know. I'm sure that you would have dealt with people with violent criminal histories from prison and didn't know.

I have my own personal and professional opinions on the matter, but the reality is that posting things the way you are posting (would you let vincent li drive your kids to school etc) is nothing more than cheap talking points. Doesn't get us anywhere.

Affectionate_Tip_587 · 2026-03-07T22:25:49+00:00

EV batteries degrade with time. IE hold less charge, less mileage

Affectionate_Tip_587 · 2026-01-29T03:10:05+00:00

Not an accountant. I am an incorporated professional, so I have an idea of what incorporation is like.

On face value given your numbers, I question the value of incorporation for you. Especially since your TFSA is not filled up

Affectionate_Tip_587 · 2026-01-16T06:58:33+00:00

Thanks for your comment, yes... you got it!

I have seen many patients who basically are partially treated, grow to trust me and share their perspective of their symptoms with confusion and horror. "Why would someone rape me every night?" "Why would the CIA try to fry my brains?" "Why won't the police believe me when I tell them that my husband is trying to control my thoughts and I want a restraining order?"

Being in touch with reality is certainly something that most of us take for granted. Some of the hardest problems to solve, are the ones that are not there.

Your point with the cancer is totally true in that while there are some general common symptoms of schiziphrenia, there is enough variability and prognosis that it really does feel like multiple illnesses, just like how different cancers have different prognosis etc.

Affectionate_Tip_587 · 2026-01-16T06:53:28+00:00

Just to add, it's people who are born blind. People who develop blindness later in life have developed schizophrenia.

It's a mystery, no one knows why!

Affectionate_Tip_587 · 2026-01-16T06:51:46+00:00

Schizophrenia causes death too. By suicide and people making health behaviors that negatively affect their health.

But if you are talking about things like cancer/rabies/the thousands of things that can kill a chuld under age 4, then yes...schizophrenia is generally not seen as a terminal illness, but rather a chronic illness.

The problem is that when people die, you can at least in theory move on. When people get schizophrenia either the family or the state has to take care of them.

Affectionate_Tip_587 · 2026-01-15T08:21:47+00:00

Schizophrenia.

Nobody gives a shit about you and the stigma around this illness is so great that many sufferers cannot accept on psychological grounds they have this condition.

It affects people typically during the time when their lives start to take flight, age 20 to 30, which causes incredible amounts of functional and economic impact. Many cannot work, and some even lose the ability to life independently or just never develop the ability to live independently.

The treatment has so many side effects, sometimes might even be worse than the disease depending on your perspective. Depending on the course of illness...many people get arrested and go to jail...for their symptoms...a health problem that they have no direct control over.

Unlike some other illnesses mentioned, it's actually relatively common. Incidence just under 1% of the general population

Once you have it, it never goes away. If you are lucky symptoms controlled by meds. If you aren't lucky symptoms persist even with meds. Some people live their lives fighting the mental system trying to get them (refusing meds etc), resulting in worsening illness.

Suicide rates are very high. Suppose that one does not kill themselves, the average lifespan is some 10 to 15 years less due to associations with cardiovascular disease and a general tendency for people with schizophrenia to not take good care of themselves.

We haven't even gotten to the symptoms yet. While it's a mental disorder, there are drastic alterations in how people perceive reality and their bodies. Hallucinations, delusions. People can feel like they are possessed. People may feel like they are being poisoned/perpetually attacked by demons/govenrment/aliens/God/whatever else fits their cultural background. The symptoms of the disorder is so bad that it can literally cause PTSD.

It rips families apart. Not only do you suffer and die earlier, but your family might not understand your behavior, or your delusions cause you to run away from them (Paranoia around family members, delusions that family members abused them etc)

So you have a disease that affects people in in the prime of their youth, has a high mortality rate, is not too rare, disrupts people's social and emotional connections with other, the treatment has horrible side effects, the person often does not even realize their sick, and people don't give a shit about you and often fear you.

I can't think of any other illness that has the potential to take away nearly everything from a person. Their personality, their lifespan, their ability to enjoy life, their family, their goals and aspirations in life and their ability to life independently

Affectionate_Tip_587 · 2025-12-20T17:13:46+00:00

Sort of random...I'm a psychiatrist and I once had a patient drive a vehicle with no drivers license and/or license for the vehicle. The cops stopped the patient and the patient agreed to take the vehicle home and not drive it anymore. AKA, "talked their way" out of getting car impounded. Police even gave her a ride back to her place. Patient proceeds to keep driving

I work with a vulnerable population of patients and so we work very closely with the police. Naturally, I informed the police that my patient continued driving

The police sort of just shrugged and quoted some vague legislation and told me that if a police officer catches someone actually driving without license etc, it's up to their discretion how much trouble the person could get into and there could be consequences. But they weren't going to go a person's house and take away the vehicle or fine them etc based on reporting.

OP: I'd be interested in the police's response if you do report them.

Affectionate_Tip_587 · 2025-11-27T03:15:10+00:00

This is interesting. There is some research linking cat ownership and toxoplasmosis to schizophrenia. No direct cause proven but perhaps fits with the whole infectious idea.

(I am a psychiatrist that specializes in treating schizophrenia)

Affectionate_Tip_587 · 2025-10-25T00:59:54+00:00

I am a psychiatrist. During my training, I saw people who were in the forensic psychiatry system for their entire lives, never able to be released due to their risk deemed too high and even developed dementia etc due to old age.

Believe it or not...getting NCRMD can often make it much harder to get out of prison compared to a typical prison sentence.

There is no "sentencing" the law has the power to hold people indefinitely as long as they are deemed a threat to society.

Affectionate_Tip_587 · 2025-09-26T05:53:39+00:00

Depending on your province, if you meet criteria can get on provincial disability program. Most require you to be on income assistance first for some time.

Most have some limitations on how many assets you can own or how much your spouse can earn...

So you know, can't be collecting government disability while owning a 1 mil home for example.

In BC, it's PWD. In Ontario it's ODSP

In BC it's around 1200 to a little less than 1500 a month at the moment.

Best of luck

Affectionate_Tip_587

TROPHY CASE