Experts Matter. Find Yours.

I Was 33 Years Early to the ADU Party

The early 1990s were tough for many Canadians, including my partner and me. The recession of 1990-1991 hit us hard, leaving both of us without jobs and staring at an unemployment rate that had climbed to a record 10.23%. With bills piling up and options dwindling, we had to get creative—and fast. That’s when we found an unexpected lifeline in an unlikely place: my partner’s grandmother’s house. Grandma, a 90-year-old fireball from Newfoundland, was sharp as a tack and fiercely independent. However, her home was starting to feel too large for her to manage on her own. Meanwhile, we needed a place to live that wouldn’t drain our limited savings. Over cups of tea at her cozy kitchen table, a plan started to take shape: we would build a basement apartment in her house, move in, and exchange affordable rent for assistance around the house. It was a perfect win-win. I didn't know it, but I was an ADU pioneer Today, this living arrangement may be recognized as an Accessory Dwelling Unit (ADU), a secondary housing unit on a single-family property. However, in 1991, this concept was far from mainstream. For us, it was simply a matter of survival—a practical solution born from necessity. We rolled up our sleeves and got to work. With a few friends and determination, we transformed Grandma’s basement into a modest but functional living space. It was basic, even a bit wonky—you had to walk through the bedroom to get to the living room-kitchen combo—but it was ours. We managed most of the construction ourselves, and hired an electrician for the wiring and a plumber to handle the pipes. The rest was pure sweat equity. Living in that basement was an adjustment, to say the least. Space was tight, and our DIY craftsmanship wasn’t exactly HGTV-worthy. However, it provided us with a fresh start. But as ADU pioneers, we got much more than we could have imagined. A much closer connection to family. Grandma’s wit and energy were the heart of the house, and we grew closer to her than we ever imagined. Her stories about growing up in Newfoundland in the late 1800s mesmerized me. I would sit there, wide-eyed, as she recounted winters so cold that tea froze before it hit the cup and evenings illuminated by whale oil lamps. We laughed constantly, and she quickly became the grandmother I never had since my grandparents had passed before I was born. Grandma and I stayed close even after my relationship with my partner ended. I couldn’t imagine life without our Friday lunches, which became a cherished tradition. Every week, I’d visit, and she’d share more stories or critique my cooking attempts with her quick wit and that unmistakable Newfoundland twang. She continued to be a beacon of joy and wisdom in my life. Grandma thrived on independence, which she held onto with great determination. At 90 years old, she re-tarred her driveway by herself, much to the neighbours' surprise and my immense admiration. The tar application was as wrinkled as her skin, and she couldn't care less. She beamed with pride while I took her picture! She loved having visitors, and the parish clergy were frequent guests. She always welcomed them with a twinkle in her eye and a sharp sense of humour. Once, when the parish priest asked her if she ever thought about "the hereafter," she shot back, “Oh, I think about it every day when I go into the basement and ask myself, ‘What am I here after?’” That was Grandma: quick-witted, strong, and full of life. Our basement apartment was more than just a place to live; it was a lifeline. The benefits extended beyond us. Grandma stayed in the home she loved until she passed away peacefully at 96 years old, sitting at her kitchen table on my birthday. It was a poignant moment that reminded me how much she had shaped my life. The modest basement apartment not only sheltered us but also added value to her home. We inadvertently enhanced the property’s functionality and appeal by converting unused space into livable quarters. This represents a key advantage of ADUs in today’s economy. Given the housing shortages and rising costs, ADUs provide a practical solution by offering affordable rental options, increasing property values, and creating opportunities for intergenerational living. In recent years, governments have acknowledged the importance of ADUs, making it easier and more affordable for families to construct them. Changes to mortgage lending policies have been introduced to promote ADU construction. For instance, insured loans now cover up to $1.5 million, and the amortization period has been extended to 30 years, enhancing financing accessibility. Furthermore, the federal government has announced new refinancing options to allow up to 90% of the property’s value. At the same time, low-interest loans for ADU construction have doubled to $80,000, with repayment terms of 15 years. These welcome changes will lower financial barriers and assist homeowners in creating secondary housing units, addressing both affordability and housing shortages. This intergenerational arrangement we set up over three decades ago was a win-win in every way. It provided mutual support, strengthened family bonds, and created a housing solution that benefited both generations. Seniors can age in place with dignity and companionship while younger generations gain access to affordable housing and the chance to learn from their elders. The laughter, shared meals, and stories crafted memories that will last a lifetime. Moreover, ADUs can help ease housing shortages and increase the availability of affordable rentals. They represent a practical, cost-effective method to utilize existing properties better. For families, they offer flexibility—a space for aging parents, adult children, or even potential rental income. For communities, they supply essential housing stock without necessitating large-scale development. For a deeper dive into ADUs, here's a link to a post we shared last year https://expertfile.com/spotlight/10346/additional-dwelling-units--adus- What's Old is New Again It's often said that many things come back in style if you wait long enough. This may hold for ADUs, simply an old concept whose time has come again. Nonetheless, ADUs empower our younger generation to afford housing and achieve homeownership. They also provide vital support for our older generations, enabling them to age in place while generating much-needed income for a dignified retirement. Reflecting on the past, I often ponder who saved whom. Grandma’s indomitable spirit and sharp humour made every bump in the road worthwhile. She would tease me about the crooked shelves we installed and joke that our kitchen was so small we could stir the soup without getting off the couch. In truth, she gave me more than I ever gave her. Her strength, love, and unwavering sense of humour helped me navigate one of the most challenging times in my life. The quirky basement we built in 1991 may not have been perfect, but it served its purpose. Today, as ADUs gain popularity, they represent more than just housing; they embody connection, resilience, and finding creative solutions to life’s challenges. Whether it’s a basement apartment, a backyard cottage, or a garage conversion, ADUs can foster connection and help families thrive—just as we did all those years ago. And as for Grandma? She demonstrated that a touch of humour, plenty of love, and the occasional jab at a priest could keep anyone young at heart. Every time I think of her now, I can’t help but smile and wonder if, somewhere, she’s still re-tarring driveways and asking herself, ‘What am I here after?’ Don’t Retire … Re-Wire! Sue

Congestion Pricing Legal Gray Area

Hofstra Law Professor James Sample appeared on CBS News New York to give a legal analysis of the recent New York congestion pricing ruling.

What does the Israel-Hamas ceasefire mean

After 15 months of war Israeli Prime Minister, Benjamin Netanyahu, announced Wednesday, January 15, his in the process of receiving approval for ceasefire from his security Cabinet in order to further the truce with Hamas. This ceasefire is not only expected to stop a war that has taken more that 46,500 lives, but also the phased release of dozens of American hostages and hundreds of Palestinians. Reports reveal that the ceasefire may be in effect by the end of the week. How will American citizens respond to what appears to be a resolution to the conflict in the middle east?  International relations expert, Dr. Glen Duerr, has been a reliable source on the events occurring in the Middle East. Here are three valuable insights from a recent interview: Prime minister Benjamin Netanyahu needs the support from his security and full Cabinet to receive approval on will be a roughly six-week initial ceasefire phase. The Israel Supreme Court has up to 24 hours to approve The Prime Minister's ceasefire. It is estimated that the ceasefire will take full affect Sunday. What can we expect in the Middle East during the wait of the ceasefire? It was announced that there will be an emergency cabinet meeting held tomorrow renegotiating the deal after Prime Minister Netanyahu's office accused Hamas on reneging on part of the of the ceasefire. However a Hamas spokesperson Sami Abu Zuhri denied all accusations of Hamas reneging on the terms of the ceasefire. Is the conflict and delay of the ceasefire a prediction to the conflict that is to come? The first stage of the ceasefire will take about 6 weeks, allowing the phased release of American and Palestinian citizens. Hamas is expected to release at least 2 American citizens during the first phase and a a Senior administration official during the second phase. It is expected with each hostage released by Hamas a number of Palestinian detainees will be released. How will the phased release of Hamas hostages affect the culture of Americans?  If you are a journalist covering the ceasfire betweek Isreal and Hamas, look no further than our experts for valuable insight and expert knowledge. Dr. Duerr is an expert on this subject and is available to speak to media regarding this ongoing conflict in the Middle East and the ongoing the war between Israel and Hamas – simply click on his icon to arrange an interview. Or schedule an interview by contacting Mark Weinstein at mweinstein@cedarville.edu

#ExpertSpotlight: Give Peace a Chance?

The long-standing conflict between Israel and Palestine has been punctuated by numerous ceasefire agreements, each representing a pivotal attempt to reduce hostilities and lay the groundwork for peace. These agreements are not only crucial to understanding the complex history of this conflict but also serve as lessons in diplomacy, international mediation, and the challenges of achieving lasting peace in one of the world’s most contentious regions. This topic remains of significant public interest as it reflects ongoing struggles for justice, security, and coexistence. Key story angles include: Historical Context of Ceasefire Agreements: Analyzing landmark ceasefire deals, their terms, and the conditions that led to their creation. The Role of International Mediators: Exploring the involvement of global powers, such as the United Nations, the United States, and regional players, in brokering peace. Challenges in Sustaining Peace: Examining why many ceasefires have failed to lead to long-term solutions and the recurring obstacles to peace negotiations. Humanitarian Impact: Highlighting how ceasefires affect civilian populations, including access to humanitarian aid, rebuilding efforts, and displacement. Evolving Dynamics in the Conflict: Investigating how changing political landscapes, leadership, and international relations influence ceasefire efforts. The Path Forward: Discussing ongoing peace initiatives, grassroots efforts, and the role of global advocacy in supporting a just and sustainable resolution. The history of ceasefire agreements between Israel and Palestine offers a profound lens into the complexities of conflict resolution, the resilience of affected communities, and the enduring hope for peace. Connect with an expert about the history of peace attempts in the Middle East: To search our full list of experts visit www.expertfile.com

Looking Back on the January 6th Insurrection

Dr. Meena Bose appeared on Canada’s Global News on January 6 to discuss the fourth anniversary of the Capitol Hill attack in Washington, where supporters of Donald Trump stormed the historic building in an attempt to overturn Joe Biden’s election win. Dr. Bose is a Hofstra University professor of political science, executive dean of the Public Policy and Public Service program, and director of the Kalikow Center for the Study of the American Presidency.

Secretary Buttigeg makes one of his final DOT stops at CMU's Safety 21

U.S. Secretary of Transportation Pete Buttigieg visited Carnegie Mellon University in one of his final stops as Transportation Secretary. Raj Rajkumar, director of Safety21 and George Westinghouse Professor in the Department of Electrical and Computer Engineering, with Ph.D. candidates Nishad Sahu and Gregory Su, demonstrated research on the safe navigation of autonomous driving systems in designated work zones, leveraging high-definition mapping, computer perception and vehicle connectivity. “The sophistication of the safety work that’s going on goes well beyond any commercially available automated or advanced driver assistance system is really inspiring,” Buttigieg said. “We’ve got to make sure it develops the right way, we’ve got to be cautious about how it’s deployed, but you can tell a lot of thought and, of course, a lot of incredibly sophisticated research is going into that.”

What the 2025 Tax Season May Look Like According to the IRS

The 2025 tax filing season will begin on Jan. 27. The Internal Revenue Service warns it may not be functioning as adequately due to the Republican-controlled congress rescinding IRS designated funding, causing cuts in staffing and potential technological updates to become stagnant. During the Biden administration the IRS was granted extra funding as part of the Inflation Reduction Act, passed exclusively with Democratic votes. The Trump administration has introduced a new scanning technology allowing tax returns to be filed quicker, upon the cut in previous IRS funding. This online filing system will allow taxpayers to file electronically with IRS for free, cutting out any unnecessary third party. There are concerns that the cut in funding may cause Trump's IRS updates to delay. How will the cut in IRS funding affect the 2025 tax season?  Economics expert, Dr. Jared Pincin weighs in on the discussion of how fund distribution will look under Trump administration in recent interview. Trump administration has cut funding for IRS from $80 Billion to $60 Billion through 2031. During his campaign for presidency Trump promised a reallocation for funding and distribution. How will we see Trump's policies redistribute funding?   Trump's new system, Direct File, is available in 24 states with hopes to make the 2025 tax season smoother than ever. Concerns arise that Trump's cut in funding to reallocate elsewhere may make his system to be come stagnant, causing delays and longer wait times for tax payers. Will Trump's new tax filing system make the 2025 tax season smoother or another nightmare?  President-elect Trump promised stricter tariffs on manufacturing industries and more aggressive industrial policies. Rescinding IRS funding is just the beginning of Trump's reallocation of funding. How will we see the change in funding affects businesses? If you are covering the the U.S. economy during the Trump administration and need to know more, let us help with your questions and stories. Dr. Jared Pincin is an expert on economics and is available to speak to media regarding the Trump administration and the economy – simply click on his icon or email mweinstein@cedarville.edu to arrange an interview.

Are Trump's Economic Reforms Obsolete After Biden Administration

President-elect Donald Trump campaigns were filled with promises of economic reform including strict import tariffs, strict immigration curbs, and deregulation. However, reports reveal the current economic state of the US may not be needing the president's aggressive reform. Trends reflect a strong economy with low unemployment rate; prompting concerns that Trumps policies could disrupt the economic growth. Trump will be taking office next week with a much different economic circumstances compared to his first term in 2017. Does the economic changes since Trump's first term make his reforms obsolete or even dangerous? Economics expert, Dr. Jared Pincin weighs in on the discussion of the economy during the Biden administration in a recent interview. There has been an increase of individuals getting second jobs or "side hustles" especially in the Gen Z generation. As the need for an extra income source increased the unemployment rate has decreased. Are the lowered unemployment rates just a reflection of an economy that won't allow citizens to live on one paycheck? Although the economy that Trump will be inheriting show positive changes since his first term in 2017, there are concerns that can not be ignored. Trumps expansionary policies can incite inflation if the economy is not calling for his aggressive reforms. How will Trump's administration reap the benefits of the Biden administration while preventing an economic crisis? The economy appears to be performing well, especially over the past year. These reports come in during Trump's promises of reform. Are these reforms going to strengthen the economy or are they proof of Trumps disconnect with the current economic health? If you are covering the the U.S. economy during the Trump administration and need to know more, let us help with your questions and stories. Dr. Jared Pincin is an expert on economics and is available to speak to media regarding the Trump administration and the economy – simply click on his icon or email mweinstein@cedarville.edu to arrange an interview. Jeff Haymond, Ph.D. is Dean, Robert W. Plaster School of Business Administration and a Professor of Economics at Cedarville and is an expert in finance and trade. Dr. Haymond is available to speak with media regarding this topic – simply click on his icon to arrange an interview.