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Energy cooperatives are another thing I've seen work well here in the US.

A house I lived in got our electricity from a Touchstone Energy cooperative[1] and our rate was dirt cheap and they even mailed us a dividend check every year. I've even received a few checks from them after moving out of the area and no longer being a customer of theirs. They had great customer service too. They were significantly better in every way than the regional monopolies and municipal power companies I've dealt with.

[1] https://www.touchstoneenergy.com



Sounds like my credit union. I call and someone picks up the phone pretty quickly and competently.

I got in as a minor, so I paid $5 for my startup share. (Adults are $25). They’ve been giving me a $5 dividend share every year for a few decades.

And charge me $0/month for a pretty full-service bank experience (not common at banks in Canada).

They’re on a North American network of ATMs (Exchange & Accel) so I have pretty good coverage out of town, can even deposit cash/cheques into CDN partner ATMs. In a lot of smaller towns, you can’t bank on every big bank having a branch, but a good chance of a partner credit union.


Which one?


Would rather not specify, but one of the bigger ones in Southern Ontario.




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