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Everything Old Is New Again. Even Layaway.

I've noticed a flurry of articles lately about the explosive growth of Buy Now, Pay Later. The Globe and Mail reported that BNPL has gone fully mainstream, with Canadians across income levels stretching groceries and gadgets into “manageable” monthly bites. The Walrus ran a piece by Vass Bednar arguing that BNPL has quietly become a shadow credit system that doesn't show up on any credit bureau's radar until it implodes. Reading both, I couldn't help but smile. Not because the trend is amusing, quite the opposite. It's because we've been here before. Long before Klarna, Afterpay, Sezzle and Affirm, there were Sears, Woolworth's, Kmart and Leon's. Canadians had layaway. No app, no one-click checkout, no influencer urging you to split a purchase into four easy instalments. Just a patient store clerk, a paper receipt, and a straightforward deal: you made payments over time, and only after the last one cleared did you take the item home, along with the quiet pride of knowing you'd earned it. Delayed gratification wasn't a burden; it was simply how responsible people bought things. Try explaining that to a twenty-five-year-old today. “Wait... what? You paid for it, and they wouldn't let you take it home?” Over the past forty years, we quietly flipped the model upside down. Yesterday's philosophy was pay first, enjoy later. Today, we enjoy first, pay later. The payment schedule looks remarkably similar, but the psychology could not be more different. That took me straight back to my childhood, when my parents represented two entirely different schools of financial thought. To Dad, cash wasn't just king; it was emperor, prime minister, pope, and captain of the soccer team, all rolled into one. If he didn't have it, he didn't buy it. Mom's favourite line was different: “If I waited until I could afford it, I'd never get it!” One afternoon, she came through the door beaming and announced, “I saved a thousand dollars today!” This was the 1970s, real money, and we waited breathlessly to hear how. “I bought a baby grand piano,” she said. “It was four thousand, on sale for three. I saved a thousand dollars!” The room went silent. Technically, she wasn't wrong. Dad never fully embraced Mom's definition of “saving.” I believe he eventually paid off the piano. I'm less convinced he ever settled the argument. Looking back, I don't think they were arguing about money at all. They were arguing about time. Dad believed that sacrificing today made tomorrow easier. Mom believed that tomorrow would work itself out. If they were alive now, Dad would still be carrying cash in his wallet, and Mom would have four BNPL apps on her phone and know exactly which one had the best promo running. I suspect most of us carry a bit of both. We're remarkably good at convincing ourselves that Future Me will be wealthier, more disciplined, and generally more together than Present Me. Future Me will get the raise, won't mind another monthly payment, will eat well, will sleep eight hours, will exercise regularly, and will never procrastinate. Read that again. Now look in the mirror. Got you, didn't I? Future Me usually looks a lot like Present Me, just with a few more wrinkles and a little less earning power. Behavioural economists call this present bias, or hyperbolic discounting: we place a much higher value on immediate rewards than on future ones. Nobel laureate Richard Thaler and Shlomo Benartzi built much of their retirement research around this tendency, and their Save More Tomorrow program showed how much help people need to overcome it (Thaler & Benartzi, 2004). Once you see that, BNPL stops looking like a payment option and starts looking like brilliant behavioural design. A $2,000 purchase quietly becomes “only $83 a month.” The price hasn't changed; our perception has. That, not the payment plans themselves, is the real story: the tug-of-war between Present Me and Future Me. That explains why so many Canadians struggle to save for retirement and often arrive there wishing we decided differently decades earlier. Why Is BNPL Suddenly Everywhere? Convenience is only part of the answer. The real drivers are rising living costs, stubborn inflation, and a culture that's grown allergic to waiting. BNPL fits that mindset perfectly: Payments Canada data shows usage rising from roughly 9% in 2022 to 25% in 2024. Younger Canadians cite quick access to credit, while middle-aged Canadians call it a budgeting tool. One group sees borrowing; the other sees it as managing cash flow as paycheques stretch less far. A recent Globe and Mail report on Koho's Grocery Gap data found that BNPL use for groceries more than doubled between May 2025 and May 2026, while incomes barely budged. Dad would have hated that explanation. Mom would have reminded him that life doesn't wait for your savings account to catch up. Like most financial tools, BNPL is neither inherently good nor bad. A hammer can build a house or break a window, depending on who's holding it. If your furnace dies mid-winter, financing the replacement is one of the smartest moves you'll make. The same goes for emergency dental work or a computer you need for work. Those are investments, not expenses. Financing concert tickets or a smartphone upgrade because yours is eighteen months old is a different category, one where Future Me keeps paying long after Present Me has finished enjoying the fun. Whenever I'm unsure where a purchase belongs, I ask one question: will this make my financial life stronger a year from now, or will I still be paying for it? Retailers didn't embrace BNPL out of concern for our budgeting skills; they embraced it because it works. Research from the National Bureau of Economic Research found that offering BNPL at checkout increases sales by roughly 20%, largely by nudging people to spend more than they otherwise would (Berg et al., 2024). The product hasn't changed, and your income hasn't changed; only the payment method has. That's why “$89 a month” feels far less alarming than “$2,500,” even though the math is identical. A Word on Fraud Here's a related trend that concerns me, especially for older homeowners: be cautious when someone knocks on your door offering a new roof, windows, or solar panels for “only a few dollars a day.” Before signing, ask: did I think I needed this before the salesperson showed up? Sometimes yes. Roofs wear out. But sometimes the problem is manufactured right along with the financing, and a $25,000 renovation can sound reasonable when framed as “less than your cable bill.” Dad would have insisted on three quotes; Mom would have admired the enthusiasm. Listen to Dad: get multiple estimates, loop in someone you trust, and never sign on the spot. Read that again. Never sign on the spot! The RRSP Parallel and What Retirees Should Watch For BNPL also parallels something I wrote about recently in Canada's RRSP Program Has Too Many Jobs. The Home Buyers' Plan looks nothing like Buy Now, Pay Later on the surface, but look closer, and they sound alike. Both solve today's problem by borrowing from tomorrow's resources. It's helped thousands get into homes, and homeownership remains one of the best long-term wealth builders. But every dollar pulled from an RRSP stops compounding for retirement. We celebrate the house and quietly forget the retirement income we gave up for it, Present Me negotiating a deal Future Me eventually must honour. And Future Me always shows up, whether we're ready or not. It's tempting to think of BNPL as a young person's problem, but the psychological pull intensifies in retirement, not diminishes. When you're working, the next paycheque is a couple of weeks away. In retirement, every purchase competes with a finite pool of assets that may need to last thirty years. Financing groceries isn't a budgeting strategy; it's a signal that your income isn't keeping pace with your lifestyle. If every purchase starts with “what's the monthly payment?” instead of “can I actually afford this?” it's time to step back. I've long recommended imagining every purchase as a conversation with your retired self: would Future Me thank me, or wish I'd shown more restraint? Isn't a Reverse Mortgage the Same Thing? Some readers wonder whether reverse mortgages belong in this conversation. I'd argue they're nearly the opposite. Both involve money today and repayment later, but that's where the similarity ends. BNPL borrows against tomorrow's income to finance today's consumption, while a reverse mortgage, used appropriately, converts wealth you've already built into retirement income. One asks Future Me to earn more; the other recognizes that Past Me already did the heavy lifting. There's a world of difference between borrowing against tomorrow and drawing on yesterday's success. Whatever Happened to Paying Cash? Dad's advice was simple: if you can't pay cash, don't buy it. It's a little outdated now. Few of us carry cash anymore, and digital payments are so seamless that spending barely feels like spending. Tap, click, done. Maybe the rule just needs updating. Instead of “can I pay cash?” try “if I had to pay for this in full today, would I still buy it?” That shifts our focus from the monthly payment to the total cost and from affordability to value. BNPL isn't inherently good or bad; it's a tool like any other, and the real danger is forgetting that every financial decision is a negotiation between Present Me and Future Me. What My Parents Really Taught Me Looking back, my parents weren't really arguing about money; they were arguing about time. Dad taught me the value of patience and living within my means, and he understood instinctively what behavioural economists would later prove: delaying gratification pays remarkable dividends. Mom taught me something just as important: that life isn't meant to be spent waiting forever, and that some experiences create memories no investment account can measure. The wisdom lies in knowing the difference. Retirement requires both the discipline to save while working and the wisdom to enjoy what you've built. Save every penny and never spend it, and you've missed the point, tragically. Spend it all before retirement arrives, and biology has a nasty habit of showing up right on schedule, winning every time, just as tragically. Perhaps that's the real story behind Buy Now, Pay Later. It was never really about payment plans; it's about patience, priorities, and the lifelong conversation between who we are today and who we're becoming tomorrow. Present Me always gets the microphone, while Future Me waits quietly in the wings, hoping today's decisions leave something to work with. Next time you're offered four easy payments, ask the better question: will Future Me thank me for saying yes? Someday, Future Me becomes Present Me, and that's the day we find out whether today's purchase was an investment in our happiness or just another bill waiting, not so patiently, for retirement. I have a feeling Dad would smile reading this, quietly certain he'd finally won the argument. Mom would smile too, already wondering if she could get that validation in four easy instalments, and still call it saving money. Don’t Retire … Re-Wire! Sue

For Louisiana sugarcane producers, huge harvest tempered by arrival of invasive insect

The predictions of a harvest increase over last year’s was undercut by the news of the arrival of a worrisome, invasive insect at the LSU AgCenter’s annual Sugar Research Station field day July 16. At the outset of the day, AgCenter sugarcane specialist Kenneth Gravois said that the U.S. Department of Agriculture’s National Agriculture Statistics Services is indicating a 5,000-to-6,000-acre increase over last year’s crop, with a clearer focus coming into view in August. “All in all, I think pretty much we have a big crop, a good crop, and people are excited about it,” Gravois said. “The big thing that is on everybody’s mind is we have to protect what’s out there. And so, with that, I’m sure a lot of people may have already heard about the pasture mealybug.” For those who haven’t, the invasive pest threatening crops across the South, the pasture mealybug (Heliococcus summervillei), is an insect first detected in the U.S. last year. It travels via wind, storms and unclean mowing equipment. Adults are oval shaped and white and waxy in appearance. They can cause leaf yellowing, which can rapidly progress into crop dieback, thus significantly reducing yields for farmers. AgCenter entomologist Blake Wilson said the pest has become more widespread in the past few weeks. It is on a destructive path that is likely to continue without proper vigilance. “I think we’re up to 14 parishes where it’s been detected, including some of the biggest sugarcane-producing parishes like Iberia and Point Coupee, but we’ve now started to pick it up in the River Parishes as well,” Wilson said. While the impact of the pest on crops isn’t entirely clear, Wilson said, observations indicate that even low densities of the insect can produce symptoms. A few fields where they are present have yellowing of 80% of the canopy. “This is a very new problem,” Wilson said. “It doesn’t appear the pasture mealybug is a pest of sugarcane in its native Australia, so there’s no playbook to use in response to this.” One weapon the industry does have to combat the pest is a Section 18, emergency use exemption from federal regulators to use the insecticides Sivanto Prime and Admire Pro to attempt to manage outbreaks. “Hopefully, those two products together will help growers find some immediate solutions and keep this thing under control before it gets any worse,” Wilson said. In less troubling news coming out of St. Gabriel, AgCenter researchers from across the scientific spectrum reported on the work they’ve been conducting on behalf of producers over the course of the past year. Plant pathologist Andre Gama discussed the disease triangle, where for a disease to happen, three things must be in place simultaneously: a susceptible host, a favorable environment and a virulent pathogen. He said it was harder for weaker stalks with less resilient root systems to defend against soilborne pathogens like the lesion nematode. “So, they’re going to suffer more by having something feeding off their root system,” he said. “We are collaborating with physiologists, pathologists and breeders to try and form some sort of solution to this issue.” While breeders Collins Kimbeng and Michael Pontiff had no new varieties to introduce this year to compete with current champ L 01-299, Kimbeng did discuss various new technologies to incorporate into the AgCenter’s world-class breeding program. “In the future, we’ll be working smarter rather than harder,” Kimbeng said. “Someday, we’ll just shine a light on the stalk and be able to determine brix and even sucrose. We start with 100,000 seedlings, so if we’re able to measure brix and sucrose very early, then that prevents us from selecting clones that have no sugar.” Weed scientist Matt Foster discussed false ragweed, which he said can have a severe impact on ag production in general. He showed attendees the varied effects of the plant treated with different herbicides. From the time the weed emerges, it can start flowering around two months later, Foster said. It is not currently a problem in Louisiana sugarcane, but it can cause allergies, dermatitis and asthma in humans. The day concluded with a welcome video message from Senior Vice Chancellor for Agriculture and Dean of the College of Agriculture Matt Lee, who could not attend this year’s field day. Lee praised AgCenter researchers and producers working in unison to overcome adversity. “Rising input costs, economic pressures and unpredictable weather conditions make farming more difficult than ever,” he said. “But what keeps this industry moving forward is innovation. The research, technology and best practices developed today are helping producers stay ahead.” AgCenter Executive Associate Vice Chancellor Tara Smith was on hand to thank sugarcane researchers and field day event sponsors. Jim Simon, general manager of the American Sugar Cane League; Craig McCain, state executive director of the USDA Farm Service Agency; and Mike Strain, commissioner of the Louisiana Department of Agriculture and Forestry, discussed work being done on the state and federal levels on behalf of the AgCenter and sugarcane producers. Finally, AgCenter plant virologist Madison Flasco presented her research on sugarcane viruses like mosaic and how they can be spread through vectors like aphids. She asked the gathered producers to send samples of any seemingly infected plants to her for testing. Aritcle origianlly posted here. 

Georgia Southern collection curator works with Yale University on uncovering the rich story behind a rare American artifact

Gretsch Collection Curator Matthew Hill, Ph.D., is accustomed to handling, researching and presenting iconic guitars and drums from the Fred and Dinah Gretsch Collection of Musical Instruments, offering insight into musical artifacts that have shaped contemporary culture. However, discovering a lost story of American Revolutionary history is a new development in his career at Georgia Southern University. Hill had taken on a complex project, collecting and presenting information on the history of the American drumset through the analysis of French and American drums, when his friend and fellow curator, Christina Linsenmeyer, Ph.D., at Yale University’s Morris Steinert Collection of Musical Instruments brought to his attention an American Revolutionary War drum in Yale’s collection. Together, they discussed what might be learned through closer study of the instrument to better understand its place in American history. “I removed the tensioning ropes and we saw that the inscription read ‘Benjamin Clark. Royalton, Mass. 1781’ and that immediately started ringing bells with me,” Hill said. “1781 was a super important year in the American Revolution as it was essentially the time the hostilities began to wind down before it officially ended in 1783.” The drum originally came from the Belle Skinner collection of musical instruments in Massachusetts. Skinner, a wealthy heiress and philanthropist, acquired her extensive collection of instruments in the 1920s and 1930s and displayed them in a specially constructed arcaded gallery at her mansion, Wistariahurst. Yale would later obtain her collection in 1960, more than two decades after her death. Until now, the true rarity and unusual nature of the drum had not yet been fully realized. “There are very few authenticated American Revolutionary War drums,” Hill said. “Aaron Philips, our special collections curator, photographed the instrument, and Dr. Brent Tharp aided in the historical research of Benjamin Clark. And we found evidence of the person behind the name inscribed on the drum.” Hill says Clark is the most noteworthy musician of the American Revolution. He can be placed at the major battles of Trenton and Saratoga and also likely participated in the Battle of Bunker Hill. However, Clark’s involvement in historic American combat isn’t the only fascinating aspect of the man’s life. He’s also important because he was one of two musicians who wrote down what the drumbeat cadences of the Revolutionary War sounded like. “Clark’s drum book of 1797 is probably the most important,” Hill explained. “By way of writing his manuscript, Clark is one of the main sources for our understanding of Revolutionary War drumming. He is a significant figure, just on his own.” American drum sets during this period focused heavily on practicality, according to Hill. However, Clark’s drum was highly decorated, which was very unusual and included a notable, highly recognizable American adage. “‘E Pluribus Unum’ is written on the drum. It was an official American motto very early on,” Hill said. “But in 1781, it wasn’t that common and would not become more common until later. So this is a noteworthy prominent early use of ‘E Pluribus Unum.’” Hill, alongside other curators at higher education institutions, is working to share this unique discovery with public audiences. In order to best preserve and honor the legacy of the instrument and the drummer who carried it throughout America’s battle for independence, Hill reached out to the Massachusetts Historical Society so that Georgia Southern and Yale Universities can collaborate on a joint publication reproducing Clark’s manuscript, the drum itself and the music that would have carried soldiers across the battlefield. The first and only edition of Clark’s manuscript was privately produced in the 1970s. More recently, Hill and Tharp also presented an essay on this drum at the American Musical Instrument Society’s conference in Vermillion, South Dakota, “A Different Drummer (and His Drum): Benjamin Clark’s Revolutionary War Drum of 1781 and His Drum Book of 1797.” For Hill and fellow historians, this new discovery is not only interesting but also remarkable. “It was like Howard Carter finding the tomb of King Tut, for me. I understood his excitement when I realized what an incredible artifact I had come across that had been so well-preserved from the American Revolution,” Hill said. “But what’s most exciting to me is what will come from all of this work and what we will contribute to the greater body of knowledge surrounding the development, implementation and history of the American drum.” As the United States of America celebrates its 250th anniversary, scholars like Hill continue to unearth hidden artifacts that illuminate the origins of an enduring nation. Want to talk to Dr. Hill about this discovery? Contact Georgia Southern's Chief Communications Officer Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview.

A New Tick Is Moving In on Long Island — And Changing the Landscape for Lyme Disease

There's a new tick establishing itself across the region, and it's not the one most people are used to watching for. The Asian longhorned tick, first detected in the U.S. in 2017, has been steadily expanding its range along the East Coast — including into the backyards, parks, and preserves of Long Island. Unlike the blacklegged tick most associated with Lyme disease, this invasive species reproduces asexually, meaning a single tick can start an entire population, and it's showing up in numbers that are hard to ignore. Russell Burke, professor of biology at Hofstra University, has spent more than a decade studying the ecology of Lyme disease on a continental scale — including how tick host diversity affects disease risk across the eastern U.S. That work has now expanded to track a newer arrival: the Asian longhorned tick, and how its invasion and spread is reshaping the tick communities long dominated by the blacklegged tick, the primary vector of Lyme disease. What he can speak to: How the Asian longhorned tick got to the U.S., and why its ability to reproduce without mating makes it uniquely fast at colonizing new areas What the tick's expansion means for the local ecology of ticks on Long Island, and how it may be competing with or displacing established blacklegged tick populations Why the Asian longhorned tick is not currently considered a significant carrier of Lyme disease itself, but why its presence still raises concerns for public health and agriculture What residents, hikers, and pet owners should know about identifying and avoiding exposure to this new tick species The broader pattern of invasive species establishing themselves on Long Island, and what that signals about changing ecosystems Connect with: Russell Burke Professor of Biology Dr. Burke's current research involves diamondback terrapins at Jamaica Bay, wood turtles in northern NJ, ticks and Lyme disease, and the coyote invasion of Long Island. Key Topics: Ecology · Conservation Biology · Herpetology · Urban Ecosystems Reach Professor Burke through the Contact button on his profile below.

Poor Air Quality Moves Summer Activities Indoors

Jase Bernhardt, associate professor of geology, environment, and sustainability, was interviewed by WCBS-TV News about the poor air quality across parts of the United States, caused by smoke from Canadian wildfires. These conditions have prompted many summer camps to bring activities indoors. “Children are more vulnerable to low air quality because their lungs are still developing,” said Dr. Bernhardt. “They have to breathe in more air to replenish their body and kids are likely to be more active outside.”

Sharks as Ocean Sensors: How New Tagging Technology Is Advancing Marine Science

University of Delaware researchers are helping to expand how scientists observe the ocean by developing and deploying animal-borne electronic tags that turn sharks into mobile ocean sensors. The research is led by UD marine scientist Aaron Carlisle, who studies shark ecology, movement patterns and conservation. He can discuss how tagging technology is helping researchers better understand sharks and the ocean environment. The data collected by the tags allow researchers to gather ocean temperature and salinity measurements from parts of the Atlantic that are difficult and expensive to monitor consistently. These observations could help scientists better understand the Mid-Atlantic’s seasonal “cold pool,” a layer of colder bottom water that can influence how quickly hurricanes intensify. This summer, Carlisle and his team are conducting offshore tagging expeditions in the Mid-Atlantic aboard UD's R/V Daiber, where they are testing redesigned tags. Carlisle also studies human impacts on shark populations, including recent research examining the international trade of sand tiger sharks and the biological, ethical and economic concerns surrounding the harvest of a protected species for aquarium display. Carlisle’s expertise includes: • Shark ecology, movement patterns and conservation. • How satellite-linked tags allow researchers to collect and transmit ocean data. • How animal-borne sensors can help researchers gather observations from difficult-to-monitor parts of the Atlantic. • How ocean temperature and salinity data can improve understanding of hurricane development and ocean processes. • How shark-based observations can complement existing ocean observing networks. To arrange an interview with Carlisle, visit his profile and click the contact button. Interested reporters can also send an email to MediaRelations@udel.edu.

Why Christopher Nolan’s The Odyssey Still Matters

Christopher Nolan’s The Odyssey is bringing one of the world’s oldest and most influential stories back to the big screen. Beyond the monsters, battles and epic-scale adventure, Homer’s story asks questions that still feel immediate. What happens after a long war? What makes a leader legitimate? How do displaced people find their way home? Can violence ever truly restore order? Luke Madson, visiting assistant professor in Greek and Roman Studies at Hofstra University, can help audiences look beyond the spectacle. Madson teaches Greek and Roman epic, mythology, tragedy, comedy and the literature and culture of the ancient world. His research into ancient Greek politics, political identity and historical storytelling also provides insight into the power struggles, competing loyalties and contested ideas of leadership found throughout the epic. An Epic Shaped by War The Odyssey is a story about what comes after war. Odysseus survives Troy, but his journey home reveals the toll of conflict on soldiers, families and societies. In Ithaca, his absence creates a power struggle as the suitors compete to replace him. Drawing on his expertise in ancient Greek politics, Luke Madson can explain how early audiences understood this crisis and why it resonates amid displacement, political instability and contested leadership. Strangers, Stories and Power The epic repeatedly asks how societies treat outsiders. Through the Greek tradition of xenia, Odysseus encounters communities where strangers are welcomed, exploited or attacked, connecting the story to modern debates about migration, refugees and borders. Odysseus also changes identities and carefully shapes his story for different audiences. Madson can explore how persuasion and reputation shaped authority in the ancient world, and how these themes relate to propaganda and misinformation today. A Source for Stories Beyond the Screen Journalists covering Christopher Nolan’s The Odyssey, Greek mythology or the modern relevance of ancient stories can connect with Luke Madson for expert commentary and interview support. He can provide historical, political and cultural context on topics such as: The lasting appeal of Odysseus and the hero’s journey War, displacement and the challenges of returning home Leadership, legitimacy and political instability Hospitality, migration and the treatment of outsiders Storytelling, propaganda and political identity Revenge, justice and cycles of violence How modern adaptations keep Greek mythology relevant The political and cultural world behind Homer’s epic As Nolan brings The Odyssey to a new generation, Madson can help audiences understand the ancient ideas and conflicts behind the spectacle, and why they continue to resonate today.

Food safety expert available to discuss emerging health risks

The University of Delaware’s Kalmia Kniel can discuss foodborne parasites and food safety risks, including the ongoing cyclosporiasis outbreak spreading across the United States. Kniel, a professor of microbial food safety, can explain how foodborne parasites spread, why outbreaks (particularly those involving the Cyclospora parasite) can be challenging to investigate and what consumers should know about reducing their risk of illness. She co-authored a study published in December 2025 that examined challenges researchers face in detecting, studying and controlling Cyclospora cayetanensis, including gaps in understanding the parasite and improving prevention strategies. Kniel can also discuss why fresh produce and water are often a focus during investigations and the steps consumers can take to improve food safety. Kniel’s expertise includes: • Foodborne parasites and illness outbreaks • Produce and microbial food safety • Food contamination and prevention • Food safety research Kniel discussed the biology of this specific pathogen in detail at a recent presentation on cyclospora. To arrange an interview with Kniel, visit her profile page and click the contact button. Interested journalists can else email MediaRelations@udel.edu.