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MEDIA RELEASE: Manitobans paying more for vehicle repairs as CAA Worst Roads campaign launches

Submitted photo of Saskatchewan Avenue, Winnipeg’s Worst Road in 2025. Manitobans are paying more out of pocket to fix their vehicles as concerns about road conditions continue to grow, according to new survey data released as CAA Manitoba launches its annual CAA Worst Roads Campaign. The survey found 92 per cent of Manitobans are concerned about the state of roads in the province and are spending an average of $944 to repair vehicle damage caused by poor road conditions. This is $122 more than last year, when the average repair cost was $882. As Winnipeg grows and congestion worsens, fixing key trade and connector routes isn’t just about road conditions; it’s about protecting the economy, keeping our city moving, and prioritizing affordability. “Most of the roads people flag as priorities are the same routes our supply chain depends on, they’re how goods get in, out, and across the province,” says Ewald Friesen, manager, government and community relations for CAA Manitoba. “With Manitoba’s growing population, especially in Winnipeg, there is a need for improved infrastructure.” At the same time, the rising cost of living has made consumers more mindful of their spending, and people are opting to keep their cars longer rather than buy a new one. Poor roads increase the wear and tear of tires, lead to higher fuel consumption, and increase the risk of other costly repairs. Nearly half of drivers (45 per cent) reported experiencing vehicle damage due to poor road conditions, with potholes cited as the leading cause, accounting for 86 per cent of damage. Most drivers (75 per cent) are paying for repairs out of pocket; 12 per cent filed a claim with Manitoba Public Insurance. Another 14 per cent said they chose not to repair the damage, up six per cent from last year. Despite widespread frustration, the survey suggests most concerns are not reaching decision-makers. It found that 85 per cent of Manitobans commonly complain about road conditions to a spouse, coworker or mechanic rather than to the governments responsible for road maintenance. Manitobans encouraged to nominate roads most in need of repair “The Worst Roads campaign is a proven platform that gives Manitobans a voice and helps governments identify the roads causing the most frustration,” says Friesen. “We know it works because we see governments prioritize budgets and move up road repairs every year after appearing on the list.” Manitobans can nominate any road for issues, including potholes, congestion, faded road markings, poor signage, traffic light timing, and pedestrian or cycling infrastructure. CAA Manitoba is encouraging all road users to participate. Nominations are open at www.caaworstroads.com from March 17 to April 10. Once nominations close, CAA Manitoba will release a list of the top 10 worst roads in the province, along with regional lists. CAA conducted an online survey with 649 CAA Manitoba Members between January 6 to 14, 2026. Based on the sample size and the confidence level (95 per cent), the margin of error for this study was +/-3 per cent.

From Saint to Shamrocks: How St. Patrick’s Day Became the World’s Biggest Irish Party

Every March 17, cities around the world turn green as millions celebrate St. Patrick’s Day with parades, music, traditional foods, and a strong dose of Irish pride. But the origins of the holiday trace back more than 1,500 years to St. Patrick, the 5th-century missionary credited with bringing Christianity to Ireland. Over time, the feast day commemorating Ireland’s patron saint evolved into a broader celebration of Irish heritage, folklore, and culture. Many of today’s traditions, wearing green, shamrocks, lively parades, and even the association with leprechauns — developed centuries later, particularly as Irish immigrants in North America began celebrating their heritage publicly. In fact, some of the world’s biggest St. Patrick’s Day traditions, including massive parades and even dyeing rivers green, originated in the United States and Canada rather than Ireland itself. From the real history of St. Patrick to the myths, symbols, and global traditions that followed, historians and cultural experts can help unpack how this ancient religious observance transformed into one of the world’s most recognizable cultural celebrations. ExpertFile connects journalists with historians, cultural scholars, and experts in Irish heritage who can provide insight on topics including: The real story of St. Patrick and his mission in Ireland How shamrocks, leprechauns, and the color green became iconic symbols Why parades and public celebrations grew in North America How Irish immigration shaped the modern holiday The cultural and economic impact of St. Patrick’s Day celebrations worldwide Journalists looking for fresh angles on the history, traditions, and cultural significance of St. Patrick’s Day can connect with experts available through the ExpertFile platform. Our experts can help! Connect with more experts here: www.expertfile.com

Georgia Southern University expert available to provide geopolitical analysis on the Iran war

The Middle East has entered an active state of war marked by a cycle of retaliatory strikes across Iran and the Persian Gulf. Three major uncertainties now dominate the global outlook: the long-term survival of the Iranian government, the fate of Iran’s nuclear infrastructure, and the security of critical oil transit routes. Georgia Southern University Professor of Political Science and International Studies Jacek Lubecki, Ph.D., is available to speak about the military operation in Iran and its implications for regional stability and global security. Lubecki is an expert in comparative politics and military security studies, with a focus on the Middle East and Eastern Europe, particularly Poland. His research examines terrorism, counterinsurgency and military strategy. His work has been published in journals including Europe-Asia Studies, East European Politics and Societies, The Polish Review, The New Ukraine and The Armchair General. He has co-authored several books, including Globalization, Nationalism, and Imperialism: A New History of Eastern Europe (2023), which examines domestic and global security challenges, and Defending Eastern Europe: The Defense Policies of New NATO and EU Member States (2021). Lubecki speaks Polish, English, French, Russian, Spanish, Italian, German and Arabic with varying levels of fluency. Lubecki is available for interviews in person at Georgia Southern’s Statesboro Campus or virtually.

With lasers, smoke and a wind tunnel, UF helps federal agency investigate deadly Hurricane Maria

As Floridians brace for hurricanes amid the wild weather of 2025, some University of Florida researchers have their eyes on 2017’s Hurricane Maria, the deadly Category 4 storm that pummeled Puerto Rico. Engineering professor and natural hazards researcher Brian Phillips, Ph.D., is leading UF’s efforts in a Hurricane Maria investigation conducted by the National Institute of Standards and Technology, known as NIST. The goal is increased safety and resilience amid deadly conditions. Maria killed nearly 3,000 people and caused more than $90 billion in damage. Most of the island’s wind sensors and weather stations failed as the storm raged, leaving responders and investigators with few reliable weather measurements. What went wrong? Phillips and UF storm researchers are helping answer that question — and provide safety and structural recommendations — as part of NIST’s Hurricane Maria investigation. The full report will be released in 2026, but NIST recently published preliminary findings; some of the hazard and structural load data was derived from wind tunnel tests at UF's NHERI Experimental Facility in the Powell Family Structure and Materials Laboratory on UF’s East Campus in Gainesville. “Our wind tunnel has a strong reputation in the wind-engineering community for its unique flow control and measurement capabilities We worked with NIST to develop a test campaign to study the wind conditions Puerto Rico’s mountainous terrain and the resulting loads of critical infrastructure,” said Phillips, a civil and coastal engineering professor with UF’s Engineering School of Sustainable Infrastructure & Environment. “UF,” he added, “has one of the premier research wind tunnels in the country and it enables us to pursue impactful research like this.” As part of the NIST investigation, Phillips and his team created 1-to-3100 scale topographic models of regions in Puerto Rico — about 12 kilometers shrunk down to four meters, Phillips said. They set up those models in the wind tunnel and replicated wind flow over the topography. “These initial tests were designed to understand the influence of the complex topography had on the wind,” Phillips said. Flow was measured using velocity probes and particle image velocimetry (PIV). These topographic model tests were followed by 1-to-100 scale tests on models of two hospitals in Puerto Rico. In addition to surface pressure measurements, the team conducted qualitative flow visualization tests using smoke, lasers, and high-speed cameras. “The capabilities of the UF wind tunnel enabled us to investigate the hurricane winds at two different scales,” said NIST’s lead Hurricane Maria investigator, Joseph Main, “so we could measure how the winds were accelerated by Puerto Rico’s mountainous topography and then how those winds translated into loads on critical buildings.” Maria’s flooding blocked roads to hospitals and shelters. The hospitals themselves were heavily damaged by the storm, NIST reported. Reduced access to healthcare was a major factor in the death toll. “It's good to take a step back,” Phillips said about the overall investigation. “Researchers are approaching the disaster from multiple angles, including the better understanding of the hazard, the performance of critical infrastructure, public response and recovery. “This holistic approach is needed to capture the complete picture and maximize what we can learn from the event. UF's primary contribution was understanding the hurricane wind field and the resulting structural loads, which is a critical piece of that puzzle.” In finding infrastructure vulnerabilities, researchers contend the goal is integrating their findings into design standards for Puerto Rico’s unique topography and building codes. The findings also could be valuable to other storm-prone regions with complex topography. NIST launched the investigation in 2018, noting Hurricane Maria “set off a cascade of building and infrastructure failures across Puerto Rico that had lasting impacts on society, including health care, business and education.” “Our goal is to learn from that event to recommend improvements to building codes, standards and practices that will make communities more resilient to hurricanes and other hazards, not just in Puerto Rico but across the United States,” Main said. The complete report is scheduled to be released in 2026, and NIST noted some findings may change before its release. But in July, NIST released some preliminary findings. They include: Peak wind speeds over flat terrain reached 140 mph. They accelerated to over 200 mph in some areas due to the steep hills and mountains. The mountains also intensified the rainfall, which reached 30 inches in some areas. Only three out of 22 weather stations were fully functional during the hurricane. 95.3% of schools on the island lost power for an average of over 100 days. “One important preliminary finding from the study is that emergency preparations work,” NIST reported. “Businesses, schools and hospitals that took specific measures to prepare before Hurricane Maria were able to resume operations more quickly” said Maria Dillard, NIST’s associate lead Hurricane Maria investigator. Preparations included pre-established emergency plans, designated risk mitigation funds and backup power sources.

Oil Shock: How the War in Iran Could Send Global Fuel Prices Soaring

The ongoing war involving Iran has rapidly become one of the most consequential energy stories in the world. Oil markets have reacted sharply as military escalation threatens critical energy infrastructure and shipping routes in the Persian Gulf. Brent crude prices have surged past $100 per barrel as traders react to supply disruptions and the growing risk that the conflict could persist or expand across the region. At the heart of the concern is the Strait of Hormuz, a narrow but vital shipping corridor through which roughly one-fifth of the world’s oil and liquefied natural gas flows. Any disruption to this route has immediate ripple effects across global energy markets, transportation costs, supply chains, and ultimately consumer fuel prices. Analysts warn that if disruptions continue, the world could face sustained higher oil prices, tighter energy supply, and inflationary pressure across multiple sectors including transportation, manufacturing, and food production. In some scenarios, oil prices could climb significantly higher if shipping through the region remains restricted or if energy infrastructure becomes a sustained target in the conflict. For journalists covering the evolving situation, the energy implications of this conflict are complex and rapidly changing. From geopolitical strategy and energy security to economic ripple effects and consumer fuel prices, reporters need credible expert voices who can explain what’s happening and what comes next. ExpertFile connects journalists with leading experts across energy economics, geopolitics, global supply chains, and international security who can provide timely analysis on questions such as: Why the Strait of Hormuz is so critical to global oil markets How war in the Middle East impacts gasoline and diesel prices worldwide Whether oil prices could spike to $120 or higher The economic ripple effects of energy shocks on inflation and global markets How governments and energy companies respond to supply disruptions What the conflict could mean for long-term energy security and global trade Journalists covering the global energy story can connect with the many experts available through ExpertFile to provide context, analysis, and insight as this rapidly evolving crisis unfolds. Our experts can help! Connect with more experts here: www.expertfile.com

How Strikes on Iran Could Impact Prices on LI

NewsdayTV spoke to Hofstra Professor of Finance Anoop Rai about Long Islanders bracing for higher prices at the gas pump and elsewhere, following the U.S.-Israeli strikes on Iran.

Expert Q&A: What is Soft Diplomacy and how does it impact classrooms

"Right now, storytelling is critical. Language learning is highly personal, and it’s the person-to-person relationships that grease the wheels," says Cheryl Ernst, director of the English Language Institute at the University of Delaware. She recently published English Language Programs as Facilitators of Soft Diplomacy in Innovations in Star Scholars Press. Here's how she's discussing this important topic.  Q: What is the focus of this research, and why is it important? Ernst: ELI and other English language programs provide the ideal space for communication development, cross cultural appreciation, gaining life skills, and raising awareness about people beyond the media. Post pandemic, we’re hearing across campus how individuals feel less connected, and in English language classrooms, connection is critical. Language is only learned through production and practice since it’s a skill that needs to be honed. In language, there is no such thing as perfect. In our classrooms, English is the common goal, and everyone comes to that space at their own levels and overflowing with imperfection. Our students learn to use their vulnerability as a tool. They learn the value of a growth mindset living in a culture that is different from their own, and with that comes an appreciation for difference, respect for others, trust, human-to-human communication. Q: What inspired this research? Ernst: More than 30 years of observation, conversations, experiences, and personal relationships. There was no term for what English language programs do beyond grammar (what’s perceived, anyway). Terms like personal diplomacy, person-to-person diplomacy, civic diplomacy, and the like happens all the time and oversimplifies what we do. In my readings, I started to see overlaps between soft power and diplomacy, which led to the concept of Soft Diplomacy. Then what distinguishes Soft Diplomacy from other more common monikers are the variety of skills that happen organically in our classrooms that we rarely acknowledge and students may not recognize. Q: What are some key findings or developments? Ernst: Institutionally: ELPs can do better highlighting the skills beyond English that we teach organically or deliberately. Q: How could this work potentially impact the field or the wider public? Ernst: Respecting ELPs for the space they provide and the skills they offer. It’s not “just English,” rather is learning to communicate in a common language and with people from around the globe. I’d like people to realize that relationships are foundational, that there are common values across nations and that differences are not bad. What version of English is “correct” British or American (the New York? Wisconsin? Alabama? Iowa?). Q: What are the next steps or upcoming milestones in your research? Ernst: A former student and I have launched a podcast series called Soft Diplomacy in Action that focuses on personal stories from those who work in international education. We’ve interviewed an ELI associate professor from Morocco, the UD coordinator of the Mandela Fellows program, a professor who sees (and lives) the diplomatic value of sports, and a retired English language professional. We’re looking forward to continuing these conversations with individuals from a variety of disciplines that also work in this space but through different lenses. ABOUT CHERYL ERNST Cheryl Ernst is the director of the English Language Institute at the University of Delaware where she and her colleagues and students practice Soft Diplomacy every day. Her professional areas of interest include program administration and international marketing, teacher training and working with international teaching assistants, curriculum design, and advanced level academic English (graduate levels). To speak with Ernst her work and the importance of Soft Diplomacy, reach out to MediaRelations@udel.edu.

Retirement Maxxing: How Small Decisions Help You Build a Better Future

The basic idea is to pick a corner of your life and optimize it ruthlessly. Sleep maxxing. Health maxxing. Productivity maxxing. In its more extreme corners, people are attempting to optimize their actual physical features. Go ahead and Google "looksmaxxing" if you are curious and have a strong constitution. One influencer named Clavicular — a 20-year-old from Hoboken who claims to have taken a literal hammer to his face to coax a chiselled jawline — has become the reigning king of this particular rabbit hole. Medical experts would prefer you not try that at home. The Globe and Mail published a comprehensive explainer on the whole phenomenon. The Republican National Committee put out a press release praising Donald Trump for "jobsmaxxing" the economy. The Department of Defence posted a soldier with the caption "lethality maxxing." It has become, as one writer put it, the suffix that just will not quit. Retirement Maxxing: because chin waxing, I mean maxxing, was already taken. And yet, buried beneath all the absurdity, the underlying impulse is not entirely ridiculous. Humans want to optimize things. We always have. The real question is whether we are optimizing the right things. Then, as these things sometimes happen, three articles landed in my inbox in the same week and refused to leave my mind. Maxxing. The psychology of future selves. A golfer named Max Greyserman, who sits just one-tenth of a stroke from the top of his sport. I am not a woman who ignores signs. The connection was obvious once I saw it: retirement might be the most important time to apply this kind of thinking. Not the obsessive version involving ice baths and fourteen supplements before breakfast. The practical version. Thoughtful maxxing that quietly stacks the odds in your favour over decades. Retirement isn't just one decision; it's hundreds made over the years, each guiding your future self toward either financial dignity or a Shaggy tribute tour you never signed up for. The “Shaggy Problem”: How Your Retirement Decisions Today Determine Your Financial Security Tomorrow You remember Shaggy. The reggae artist. Enormous hit. "It Wasn't Me." When it comes to retirement, it absolutely was you. Every decision you make today is writing a letter to your future self. Some of those letters are generous and thoughtful. Others arrive decades later, like a bill you forgot to pay, from a creditor with excellent memory and zero sympathy. The seventy-five-year-old version of you hopes the fifty-five-year-old paid attention. The eighty-five-year-old version would very much like functioning knees, a dignified income, and the ability to say "I planned for this" rather than "I did not think it would go this fast." It went that fast. That's why the most useful habit you can develop right now is what I call the future-self test. Before making a major financial or lifestyle decision, pause and ask: how will this look from the other end? Will I still think this tattoo is a good idea when I’m ninety? Will I regret staying in a house that is too large and too expensive for another decade? Will my future self thank me for delaying CPP, or curse me for taking it early because waiting felt uncomfortable? Or as the Beatles asked rather memorably: “when I'm sixty-four, will you still need me, will you still feed me?” The song is charming. The financial planning version is considerably less so if you have not thought it through. The future-self test is not complicated. It is just the habit of writing better letters. What Sports Analytics Can Teach Us About Smarter Retirement Decisions Speaking of decisions that come back to haunt you, let's discuss probabilities. A recent New York Times article about golfer Max Greyserman stopped me mid-scroll (Lindgren, 2026). Not because of the golf — though the golf is fascinating — but because of what it revealed about the gap between what the data says and what people actually do when the stakes are high. Greyserman's scoring average is less than one-tenth of a stroke per round away from the elite level. One-tenth of a stroke. Not a full swing, a putting mistake, or a collapse on the eighteenth. The difference between obscurity and greatness in pro golf is about the time it takes to find your reading glasses. Which, as we've established, were on your head the entire time. Hockey analytics have demonstrated that teams trailing late in a game should often pull the goalie much earlier than the traditional last-ninety-seconds rule. Research indicates that pulling the goalie around the eight-minute mark can significantly boost the chances of scoring, as the extra attacker alters the odds. However, most coaches still wait until the final minute or two. Why? Because if you pull the goalie at eight minutes and lose badly, it can look like you lost your mind. The math checks out, but the optics are terrifying. Soccer offers a similarly uncomfortable example. A widely cited study analysing thousands of penalty kicks found that about one-third of kicks are aimed straight down the middle of the net, yet goalkeepers stay in the centre only around six percent of the time (Chiappori, Levitt, & Groseclose, 2002). Shooting directly down the middle often provides good odds because the keeper has already committed to diving one way or the other. But if the goalkeeper stays put and makes the save, the kicker seems to have tried to outsmart the odds and failed. The math checks out. The optics, however, are still terrifying. Retirement is filled with these moments. And most people make their decisions based on the optics. Common Retirement Decisions Canadians Get Wrong — And What the Data Actually Says: Working a couple of extra years often delivers significantly better retirement outcomes, yet people retire early because they feel emotionally ready. Delaying CPP can greatly increase guaranteed lifetime income, yet many choose to claim early because waiting seems risky. Downsizing can free up cash and lessen financial stress, yet people stay in large homes because selling feels like giving up. Using home equity wisely can boost retirement income, yet many retirees dismiss this option because of a stigma rooted in outdated beliefs rather than current data. In each case, the emotionally comfortable choice is not the one with the best long-term odds. Fear of loss, fear of regret, fear of looking foolish — those emotions sprint ahead of rational thinking every single time. That is why the future-self test matters. Math is universal, but money is deeply personal, and the goal is to let one inform the other before it is too late. The Psychology of Retirement Saving: Why We Treat Our Future Self Like a Stranger The second New York Times article examined the psychology of how we connect with our future selves (The New York Times, 2026). The findings are humbling. Psychologists have discovered that people often see their future self almost like a stranger, which explains why saving for retirement can seem somewhat punishing. It feels less like helping yourself and more like sending a cheque to someone who shares your cheekbones but whose problems seem distant and abstract. Research led by Hal Hershfield found that when people feel more connected to their future selves, they save more and make consistently better long-term financial decisions (Hershfield, 2011). Retirement planning is not just about spreadsheets and withdrawal rates. It is about being genuinely generous towards the person you are becoming. It is a love letter, written in small decisions, over a very long time. So, write a good one. Your future self is counting on you. How to Optimize Your Retirement: A Practical Framework for Canadians If retirement maxxing were a lifestyle trend — and I am formally proposing that it should be — it wouldn’t involve bone-smashing or extreme jawline enhancement. It would look more like this. Health Maxxing: Why Strength and Mobility Are Financial Assets Move your body. Lift weights now and then. Walk up hills. Muscle strength is one of the most underrated assets for retirement that nobody discusses at dinner parties. Research from the National Institute on Aging confirms that strength training improves mobility, balance, and healthy longevity (National Institute on Aging, 2023). These are the very factors that influence whether your later years feel like a gift or a burden. People hesitate over the cost of a gym membership while ignoring the significant long-term benefit of staying upright, independent, and capable. Skipping exercise to save a few dollars is like stepping over a hundred-dollar bill to find a quarter. As Aunt Equity likes to say: be careful not to get out over your skis. (Yes, that was an exercise metaphor. You’re welcome.) Income Maxxing: How to Build Reliable Cash Flow That Lasts Build reliable income streams so you can sleep at night without one eye on the market. Pensions, annuities, dividends, home equity, and carefully structured withdrawals — these all play a role in a well-crafted retirement income plan. The goal isn’t to maximize a single number – it’s to reduce the worry behind all of them. If your retirement plan currently makes you watch financial news at midnight while eating crackers over the sink, something has gone wrong and we should talk. Purpose Maxxing:Why It Matters for Your Health and Longevity Retirement is not a forty-year holiday. Humans need purpose, connection, and something worth getting out of bed for — especially on days when nobody expects you anywhere and the morning is entirely, terrifyingly yours. NIH research consistently shows that social engagement and a sense of purpose are linked to better health and longer life (National Institute on Aging, 2023). Purpose is what makes a retirement that feels like freedom different from one that feels like a long Sunday afternoon with nowhere to go. Somewhere along the way, society decided that aging meant quietly fading into the background. Retirement is when you finally have permission to dye your hair a vibrant colour, volunteer somewhere meaningful, start a project that genuinely excites you, or do all three at once and totally surprise your grandchildren. Purpose is not optional. It is the foundation. Decision Maxxing: How to Overcome Emotional Bias Use data when the stakes are high. Emotions are useful for choosing dessert but much less reliable for planning a thirty-year income. Don't swat away analytics like a fly at a family picnic just because they suggest something uncomfortable. Run projections. Stress-test your plan. Understand probabilities. Pull the goalie early if the math indicates so, even if it looks odd at the moment. Because appearing odd now and being wrong later are not the same thing. Not even close. The Ending That Brings It All Together: Small Decisions That Compound Over Time Here’s what three articles about “maxxing” our future selves, and golf, taught me about retirement. Clavicular is out there taking a hammer to his face in pursuit of optimization. Max Greyserman is grinding for one-tenth of a stroke. Hal Hershfield is reminding us that we treat our future selves like strangers when we should treat them like people we love. And somewhere between all three of them is the retirement insight that really matters: the best decisions compound quietly. Tiny improvements in health, income strategy, purpose, and decision-making build up into dramatically different outcomes over decades. Not because of one dramatic move, but because of many small, sensible ones made with the future in mind. Your future self isn't a stranger waiting to judge you. They are the person you are intentionally becoming, shaped by every decision you make today. Perform the future-self test before making risky decisions like pulling the goalie, shooting down the middle, or getting a tattoo that might lead to an awkward chat with your colonoscopy technician (this is for you, JK). Consider whether your fifty-five-year-old self is being kind to your seventy-five-year-old self. Look at what the data says, not just what feels right. Retirement maxxing isn't about perfection. It's about making small, sensible decisions consistently and thoughtfully over time. Think of it as compound interest for your future self. Einstein allegedly called compounding the most powerful force in the universe. He was talking about money, but he might as well have been talking about the small, steady choices that create a retirement worth living. Your future self will be deeply grateful—having functional knees, a dignified income, and a tattoo they still absolutely love. And when you turn sixty-four, and someone asks how you got there so gracefully, you won't need to channel your inner Shaggy. You just smile and say: It was me! Sue Don’t Retire…ReWire! P.S. Aunt Equity approves. Ready to start retirement maxxing? Here are two things you can do today. Run the future-self test on one financial decision you have been avoiding. Just one. Write down what your seventy-five-year-old self would think of the choice you are leaning toward. You might be surprised what comes up. Move your body and find your people. Join a pickleball club, a walking group, a trivia night, or a bridge league. Laugh often. Sweat occasionally. Your future self needs both, and your colonoscopy technician will be thrilled. Want more insights like this? Subscribe to my free newsletter here, where I share practical strategies, real-world stories, and straight talk about navigating retirement with confidence—not confusion. Plus, all subscribers get exclusive early access to advance chapters from my upcoming book. For Canadians 55+: Get actionable advice on making your home equity work for you, understanding your options, and living retirement on your terms. For Mortgage Brokers and Financial Professionals: Learn how to become the trusted advisor your 55+ clients desperately need (and will refer to everyone they know). This isn't just another revenue stream—it's your opportunity to build lasting relationships in Canada's fastest-growing demographic.