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Survey Finds HS Students Do Not Understand the Importance of Pearl Harbor
Newsday talked to Professor of Education Alan Singer about a recent survey of Long Island high school students that found little more than half knew the 1941 attack on Pearl Harbor launched the United States into World War II. The article said that historians and educators agree the touchstone event must be remembered, honored and learned from. “While FDR said Dec. 7, 1941, was ‘a date which will live in infamy,’ every generation has a date that will live in infamy,” Dr. Singer said. “When I was in school in the 1960s, World War II was fought by my father’s generation. Now, it is an event related to this generation’s great-grandfathers — and it’s been eclipsed by other events.” He added that though the New York State Department of Education dedicates just a few paragraphs in the ninth- and 10th-grade social studies curriculum to the World War I-World War II era and just a sentence on Pearl Harbor in the guidelines for 11th- and 12th-graders, teachers must continue to connect the dots between historic touchstones, to explain why Pearl Harbor remains important.
Georgia Southern cuts ribbon for Jack and Ruth Ann Hill Convocation Center
Georgia Southern University officials cut a ceremonial ribbon to open the Jack and Ruth Ann Hill Convocation Center, affectionately known as “The Hill,” in a celebration on Dec. 4. At 95,000 square feet, it is the largest event venue space between Savannah and Macon and serves as the signature building on the University’s south campus, fronting Veterans Memorial Parkway (US 301 Bypass). “It’s more than a building; it’s a place of opportunity,” said Georgia Southern President Kyle Marrero. “Inside ‘The Hill,’ our students will learn, our athletes will compete and our community will come together. From classrooms to research labs, from strength and conditioning spaces to media rooms, every inch of this facility is designed with our future in mind.” The exterior of the Jack and Ruth Ann Hill Convocation Center, which evokes the image of a soaring eagle’s wings, illustrates the University’s commitment to supporting students as they soar beyond. Inside the center, there is approximately 8,000 square feet of new space for a Waters College of Health Professions sports psychology lab, a satellite research lab, faculty offices, a conference room and classrooms. The community will be afforded space for community activities and access to a new strength and conditioning area for research and other programs. The arena, which will serve as the new home court for Georgia Southern Eagles NCAA basketball games, provides more than 5,500 in seating capacity, a 50% increase over Hanner Fieldhouse. The arena has chairback seats along both sidelines and behind one baseline, and allows future opportunities to add additional programming to the building, such as more premium seating, suites and club areas. “It is an honor to officially welcome all of Eagle Nation to the gorgeous Jack and Ruth Ann Hill Convocation Center with today’s ribbon-cutting ceremony,” Georgia Southern Director of Athletics Chris Davis told the crowd. “We look forward to christening the facility with women’s and men’s basketball games on Thursday and Saturday, respectively. I especially want to thank Gov. Kemp, the Georgia General Assembly, Dr. Kyle Marrero, the University leadership and our generous donors for this unprecedented opportunity to elevate the stature of our basketball programs with this outstanding facility that will provide an exciting venue to watch the Eagles soar on the court. Hail Southern!” The center also houses the men’s and women’s basketball program and includes spaces for coaches’ offices, locker rooms, laundry/training room, equipment room, strength and conditioning space, fueling station, media room, visiting team locker room and a media green room. Senior Grace Drawdy, who is a multimedia journalism major, member of the swimming and diving team and president of the Georgia Southern Student-Athlete Advisory Committee, is grateful for this contribution. “If I could describe my time here at Georgia Southern, both individually and as a student-athlete, the one word I would use is transformational,” said Drawdy. “Through the opportunities and resources provided to me by Georgia Southern, I have transformed from a young girl who was unsure of her future to a confident woman who is poised for success wherever she may go. I’ve also had the pleasure of watching the University transform while I’ve been here. And what I’m most excited for is the transformation of our athletic training and physical therapy programs. “This space will enhance athletic training and sports psychology for students within the major, but also the student-athletes who access these services every single day. I’m so thankful to be a part of the ribbon-cutting ceremony today, but I’m even more thankful to be a part of a University that continually helps me grow and be successful as a student, as an athlete, and most importantly, as a person.” The new Hall of Fame for Eagle Athletics is located in the building’s concourse. The seating capacity for the events space is more than 5,900 (including nearly 970 seats on the floor). Event-level space also includes a ticketing office, security command center, a Coca-Cola micro market featuring checkout-free technology, and four dividable classrooms that can convert into additional flexible spaces. Marrero thanked the partners who helped to make this impressive $64.4 million two-story complex a reality. “We express our deepest gratitude to Gov. Brian Kemp, the Georgia General Assembly, with the best legislative delegation in the state of Georgia, led by the Speaker of the House Jon Burns, the Board of Regents, and University System of Georgia leadership under Chancellor Sonny Perdue. Your vision and willingness made this project a reality.” He also thanked the University Foundation Board, the Athletic Foundation Board and donors for their generous gifts and unwavering support of such a meaningful addition to the institution. The building is named for Jack Hill (‘66), who was the longest-serving Georgia senator when he died in April 2020. He was a senator for 30 years, serving as chairman of several crucial committees, including Appropriations, which has broad jurisdiction over legislation involving budgeting and spending state and federal funds. With Hill’s support, Georgia Southern reached new heights as an institution serving the southeast region and the state of Georgia. Hill was instrumental in helping the University expand its programs and build several new state-of-the-art facilities, including the Engineering and Research Building, which opened for classes in January 2021. Hill’s wife of 48 years, Ruth Ann, focused her life on public education and retired as principal of Reidsville Elementary School. She was a Triple Eagle, earning degrees from Georgia Southern in 1973, 1990 and 1991. “We’re here to celebrate the great legacy of two individuals who made a difference,” Ga. Rep. Jon Burns enthusiastically shared with the audience. “They were both faithful public servants, because they cared more about their neighbors than they did about themselves. That was very clear. This University and this state could not be what it will be and what it is without the contributions and the foresight of people like Jack Hill. What he endowed this University with was an opportunity for a better life, for a better education for all Georgians and all people who wanted to attend this University. His fingerprints are all over this place. We all know that with the buildings, with the opportunities for these students, for these young people, they’re boundless. Because of the foresight and the work of Jack and Ruth in this place, we are privileged to sit here. Today was a dream of Senator Hill.” Marrero also reflected on the outstanding legacy of Jack and Ruth Ann Hill. “As Senator Hill once said, ‘The power of education is the ability to produce knowledge, character and skill in a way that is beneficial to society,’” Marrero shared.” His legacy embodies that ideal. Today is a celebration of what we’ve achieved together, but it’s also a look to the future. “The Hill” stands as a symbol of our University’s growth and commitment to providing exceptional opportunities for our students and community. “So, today, let us cut this ribbon and open the doors to a new era at Georgia Southern,” he concluded. “Together, we will continue to honor the legacy of Jack and Ruth Ann Hill while building a brighter future for Eagle Nation.” Construction for the Jack and Ruth Ann Hill Convocation Center began in early 2023 and finished late 2024. The program manager for the project is BDR Partners; the architect/engineer is LS3P-AECOM; the site/civil engineer is Hussey, Gay, Bell; the mechanical engineer is Dulohery Weeks; the general contractor is Whiting-Turner. Additional partners are GSFIC and Board of Regents USG. If you're interested in learning more about Georgia Southern University then let us help - simply contact Georgia Southern's Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.
Georgia Southern welcomes Georgia state leaders on Wexford Campus in Ireland
Georgia Southern University’s Wexford Campus in Ireland has been invigorating educational, civic, business and trade opportunities between Ireland’s southeast region and the state of Georgia since its establishment in 2022. The bicultural partnership has drawn the attention of state leaders in Georgia, prompting a recent visit to the international campus where Georgia Southern and its Irish partners welcomed the delegation. “We hosted legislators and leaders of industrial development and enterprise organizations,” said Howard Keeley, Ph.D., director of Georgia Southern’s Center for Irish Research and Teaching (CIRT). “These Georgia stakeholders believe that what Georgia Southern is doing in Ireland is important. One of the major concepts behind the Wexford Campus is that it’s a true campus, not just a study-abroad venue. So we’re pursuing several streams of activity. One is teaching and another is research. Another one is economic development, which includes internships and community engagement. We want to be in the community; therefore, to have leading constituents from a variety of industries in Georgia was very gratifying.” Among the attendees were U.S. Congressman Earl L. “Buddy” Carter; Georgia Department of Economic Development Commissioner Pat Wilson and five members of his senior staff, as well senior officials from electrical utilities, including Georgia Power; Trip Tollison, CEO of Savannah Economic Development Authority; Teresa MacCartney, chief operating officer for the University System of Georgia; and Georgia Rep. James Burchett (‘04), along with 10 additional members of the Georgia House of Representatives. “The main thing we wanted to do is show them what the student experience is like,” said Keeley. “We care about our students, and, using philanthropic funds, we’ve invested in a beautiful set of buildings, including one, built in 1886, that will house 50 students at a time. Each year, our goal is full capacity over six minimesters for a total of 300 Georgia Southern students. Historically a religious convent, that structure should open in spring 2026, after extensive remodeling. Many Georgia Southern students, including construction management and interior design majors, are gaining valuable professional skills by contributing to the endeavor.” The Wexford Campus already features the Learning Center, a historic administrative complex constructed in 1812 that has been transformed into a contemporary, high-tech educational space where students learn from local and international experts. They also present their research to peers and visiting Georgia Southern alumni while participating in high-impact experiential learning within the region. Visiting delegates were pleased to learn about the Honors College Global Scholars Program, which hosts 24 Honors College students who, taking an interdisciplinary approach, explore two themes for six weeks each spring in Ireland. This year, a prominent topic of study was sustainability in agriculture. One of Georgia Southern’s European research partners, South East Technological University Ireland, helped guide the students as they compared sustainability challenges along the coasts of Georgia and southeastern Ireland. The students drew on various research efforts, including important knowledge generated by Georgia Southern’s Institute for Water and Health. Similar integrated concepts also inform the summer and fall offerings. In 2024, they included two undergraduate global business courses, as well as the first Europe-based course from the MBA program at Georgia Southern’s Parker College of Business. One focus for the MBA students was Rosslare Europort, just south of Georgia Southern’s Wexford Campus, which has become Ireland’s fastest-growing port as multiple new direct routes to continental Europe have opened in response to Brexit. At a workshop facilitated by a top Rosslare Europort official, the MBA students explored international trade, logistics and supply chain management and the European regulatory environment. Spanning undergraduate, graduate and doctoral levels, the Wexford Campus has also provided courses in accounting, philosophy, sociology, geography, environmental biology, tourism and public health, among other disciplines. Shadowing Irish experts, population health science students from the Waters College of Health Professions focused on designing and delivering preventative-health programs, a critical matter in both Ireland and Georgia. “One of the metrics we use to measure success in Ireland is asking what makes it worthwhile for students to complete the course in Ireland as opposed to staying in the United States,” posed Keeley. “The bottom line is that we’re trying to provide a range of courses that look like Georgia Southern and that meet the degree needs, but also the employment needs in the state of Georgia. We’re always looking at how we can make our students more competitive, deepen their knowledge and give them as much hands-on experience as possible. This is really one of the things that we hope is a differentiator for us.” Notably, annual scholarships are available for the Honors College Global Scholars Program, Department of Political Science and International Studies students and Irish Studies students thanks to generous donations from alumni. In addition, philanthropic support has provided $1,000 to each participating student to offset the cost of transatlantic air travel. “The Wexford Campus’ directives exemplify Georgia Southern’s mission of providing holistic educational opportunities for our students to excel and grow,” said Annalee Ashley, Ed.D., Georgia Southern Vice President for External Affairs, Communications, and Strategic Initiatives, who participated in the trip. “Employers value global consciousness and intercultural skills when hiring, and our students who study abroad can enhance their skills, intellect and hireability in the marketplace. We are proud to serve Georgia and the entire southeastern region in this unique way, and to be supported by the state of Georgia as the University moves toward an R1 designation.” Beyond the campus, the group explored Johnstown Castle, an environmental and agricultural research center and heritage venue, as well as the Dunbrody Emigration Experience Center, whose newest permanent exhibition, Savannah Landing, is based on research by Georgia Southern students. The work highlights more than 170 years of historical ties that connect Savannah and Wexford, where hundreds boarded ships and crossed the Atlantic Ocean to arrive in Georgia’s coastal city in the mid-19th century. The centerpiece project, which was celebrated by the Irish prime minister at a ribbon-cutting in August, was made possible by $832,000 in research-grant funding, secured by the Dunbrody Center and Georgia Southern’s Center for Irish Research and Teaching. “Our guests got to experience history and understand the unique story that connects County Wexford to Savannah and, by extension, the state of Georgia,” noted Keeley. “Furthermore, they were able to see more than three-quarters of a million dollars of investment in Georgia Southern student work. That was super exciting.” The legislative group also met with Georgia Southern’s Irish partners, who shared what this relationship means to the people of Wexford and its hinterland, Southeast Ireland. “We invited all the players onto the field to strategically advance themes of education, economic development, and civic and cultural engagement,” said Keeley. “I believe they concluded that Ireland is a fit. It boasts a thriving economy that is modern, global and innovative. It’s the youngest economy in Europe in terms of workforce, and Ireland is one of the biggest investors in the U.S. economy.” Georgia Southern leadership and local Irish legislators, including four members of the Irish House of Representatives, Senator Malcolm Byrne and members of Wexford County Council, hosted Georgia’s VIPs with open arms. “They wanted to rally around us in the way that a family will rally around you,” said Keeley. “They couldn’t have done more. They totally rolled up their sleeves. It was a complete partnership hosting, and we were able to demonstrate that our network is so solid.” Wexford County Council leader Pip Breen shared opportunities for deeper connections with the Georgia delegation through the Irish nonprofit TradeBridge. Established in 2018, the entity facilitates trade and investment between the southeastern regions of Ireland and Georgia by developing new export markets and job creation opportunities. The trade corridor opens doors for southeastern Irish companies to establish a supportive base in southeastern Georgia, while also creating similar coordinates for companies based in southeastern Georgia to enter the European Union marketplace. Keeley, who was awarded the Presidential Distinguished Service Award for the Irish Abroad from the Government of Ireland in 2023, is a board member. “Georgia Southern’s footprint in southeastern Ireland is an important one for students and for the state of Georgia,” said Ga. Rep. Burchett. “The strides they are making not only allow students to participate in research in engineering, coastal sustainability, history and other important areas of study, but they also directly drive trade and investment opportunities between the southeastern regions of Georgia and Ireland. This was an amazing visit and we value our friendships within the Irish community.” Following the event, Burchett returned the hospitality with an invitation for Wexford County Council members to be recognized in person on the floor of the Georgia General Assembly in March 2025. “They very enthusiastically accepted the invitation,” Keeley shared. “I think when you’re involved in education, when you’re doing business and when you’re building out opportunities, the most important single thing is friendship and like-mindedness. You cannot achieve anything otherwise. There has to be this human-to-human connection. There has to be genuine mutual respect and mutual affection, and that was just in spades.” Georgia Southern’s Wexford Campus was featured on the national Irish TV program, “Nationwide.” You can see it here: Looking to know more, then let us help. Howard Keeley, director of Georgia Southern’s Center for Irish Research and Teaching, is available to speak with media. Simply click on his icon now to arrange an interview today.
Researchers at the Institute for Water and Health (IWH) at Georgia Southern University initiated a new project in Marion, Alabama, to address the city’s aging water infrastructure and its impact on human health with a focus on community-based research, workforce development and environmental justice. The pilot project in Marion, Alabama, is a collaborative effort between Georgia Southern and the University of Alabama. IWH Director Asli Aslan, Ph.D., is the principal investigator (PI) and Lacey Huffling, Ph.D., from Georgia Southern’s College of Education, and Lanna Nations, director for education and outreach for the Alabama Water Institute at the University of Alabama, are co-PIs. In partnership with the city of Eastman, Georgia, the project includes an internship program for next-generation water operators and a peer mentorship program for current water managers. Project leaders seek to improve communication and foster trust between local authorities and residents, contributing to long-term environmental health and equitable access to safe drinking water. Aslan sees workforce readiness as a critical component to maintaining standards in water management. “Nationwide, community water systems are managed by specialized professionals to ensure safe water every time we turn on the tap,” noted Aslan. According to her, about 50% of water operators working at these facilities will retire in the next decade, but only 10% are expected to be replaced. Training the next generation of water operators and developing leaders for rural water systems is a matter of national security. “The Institute for Water and Health is committed to launching a regional program to equip future water managers with the necessary skills to ensure safe water for all,” Aslan continued. “This pilot project will lay the foundation for this goal and aims to expand the program throughout the southeastern United States.” The project is funded by Alabama Power and Partnership for Inclusive Innovation, a Georgia-based program that funds and supports networks through resources across businesses, research universities and government entities. To learn more about this project and other IWH research and educational programs visit here. To connect with IWH Director Asli Aslan, simply click on her icon now to arrange an invterview today.
Georgia Southern achieves record enrollment post-consolidation
Georgia Southern University has set several enrollment records according to official Fall 2024 enrollment data, verified by the University System of Georgia. The University continues to experience growth across various areas including enrollment on the Armstrong Campus in Savannah, online classes, dual enrollment, and graduate program enrollment, among others. The University’s official Fall 2024 total enrollment is 27,506, a 5.4% increase over Fall 2023, and the highest enrollment the University has recorded post-consolidation. “This record enrollment highlights the strength of our academic programs and the commitment of our faculty and staff to Georgia Southern’s mission of preparing career-ready graduates to meet the talent and workforce needs of a growing region,” said Georgia Southern President Kyle Marrero. Records set this year include: Total number of dual enrolled students (new and returning) – this year there are 1,550 enrolled, an increase of 492 students (46.5%) from last fall. New dual enrolled students – this year there are 1,063 enrolled, an increase of 290 students (37.5%) from last fall. The previous record was 773 in Fall 2023. Total number of graduate students (new and returning) – this year there are 3,888 enrolled, an increase of 135 students (3.6%) from last fall. The previous record was 3,753 in Fall 2023. Honors College students – this year there are 340 beginning freshmen enrolled, up from 302 (12.6%) last fall. Masters degree students – this year there are 2,883 enrolled, an increase of 125 students (4.5%) from last fall. The previous record was 2,758 in Fall 2023. Doctoral students – this year there are 705 enrolled, an increase of 17 students (2.5%) from 2023. The previous record was 688 in 2023. Out-of-state students (new and returning) – this year 3,674 students are enrolled, an increase of 805 students (28.1%) from last fall. The previous record was 2,869 in Fall 2023. International students – this year there are 671 international students enrolled, an increase of 59 students (9.6%) from the previous records in 2016 and 2017. Here’s how some of Georgia Southern’s numbers break out in the last 5 years: “This post-consolidation record enrollment reflects our commitment to expanding access to a Georgia Southern education and underscores the unwavering support we provide our students to help them persist, retain and graduate,” said Executive Vice President for Enrollment, Marketing and Student Success Alejandra C. Sosa Pieroni, Ed.D. If you're interested in learning more about Georgia Southern University and all the amazing things happening on campus then let us help - simply contact Georgia Southern's Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.
Turning on the tap for a drink of clean water may seem like part of an everyday routine for many. Yet, for countless communities—even here in the U.S.—this simple act remains a daily challenge, with each glass or clean drop of water far from guaranteed. One Georgia Southern University professor is working to change that. Thirty percent of the Navajo Nation population lacks access to clean drinking water. Lewis Stetson Rowles, Ph.D., assistant professor in the Department of Civil Engineering and Construction in the Allen E. Paulson College of Engineering and Computing at Georgia Southern University, is working to increase access to clean water for this community and beyond by engaging with locals to understand how materials used in traditional cultural practices can be transformed into life-changing solutions. “My first trip to the Navajo Nation as an undergraduate student was a really eye opening experience for me,” Rowles said. “To realize that there were people within the U.S., in our own backyard, who lacked clean water is what inspired my whole career in research and education.” Establishing trust was an important challenge to overcome for Rowles and his fellow researcher and mentor Navid Saleh, Ph.D., professor of environmental and water resources engineering at the University of Texas at Austin. “Years of uranium mining left the mineral-rich area and the connection with the Navajo community polluted,” Rowles said. “It has been a decade-long effort to build community relationships, understand the issues and develop potential solutions specific to the needs of the Navajo Nation.” Finding solutions specific to local needs and cultures is key to their implementation and success according to Rowles. “We have to work with communities to truly understand the issues and collaboratively develop functional solutions because locals are the people who understand the problems the best,” Rowles said. “I don’t believe that there’s a one-size-fits-all solution. For technologies to really be sustainable, we need to understand if they’re going to work in a specific location, which means we need to develop community-specific solutions.” Working with the community is important for more than just understanding the issue at hand. When thinking about big-ticket issues, like clean water, Rowles said that it’s easy to fall into the trap of thinking about large-scale, infrastructure-based solutions. But some of the most immediately effective and impactful solutions happen on a much more intimate level. “Centralized distribution systems take a long time to build, they’re also very costly,” Rowles said. “The need for clean water is dire in many communities, so point-of-use technologies are great because they can be adopted quickly. They also bring power to the people in a way, because technologies can be developed with local materials, like we’re doing here with clay and pinyon resins for ceramic filters. This can create immediate solutions to water contamination issues.” Rowles, who specializes in environmental engineering, worked with members of the Navajo community to discover how the process of creating traditional pottery can help solve the problem of clean drinking water at a local level for families. Deanna Tso, a third-generation Navajo potter, has been integral to this process to ensure that the novel solutions don’t detract from traditional practices. “If you’ve ever climbed a pine tree and gotten sap stuck on your hands, you know it’s very sticky,” Rowles said. “The Navajo people have been using this sap for centuries to waterproof pottery and baskets. Meanwhile, one of the biggest limitations to the use of silver nanoparticles for water treatment is the immobilization of those particles. We used this local resin to coat the nanoparticles, keeping them in place and extending the lifetime of the filters while still allowing them to kill bacteria. It also acts as a really unique barrier that prevents silver poisoning by stopping the silver from interacting with other compounds that would inhibit the dissolution of silver nanoparticles into silver ions which kill bacteria.” By working together to integrate new technologies into existing traditions, Rowles and his partners are one step closer to changing the lives of many in the Navajo Nation. Their hope is that this knowledge will be used to expand access to potable water to more parts of the world. “While we started working with Deanna on a very specific pine tree sap, the more we’ve researched, we’ve seen there are similar pine and conifer trees throughout the continent, even into Mexico, that have been used by indigenous groups for centuries,” Rowles said. “This means that this research has much broader applications across the world, particularly in areas that lack centralized water treatment systems where people go and collect water from distant sources or wells, bring it back to their house, and then treat it at the household level.” The extension of this knowledge begins by sharing it, which is precisely what Rowles’ team has done over the last year. They published their research Integrating Navajo Pottery Techniques To Improve Silver Nanoparticle-Enabled Ceramic Water Filters for Disinfection in October 2023 and shortly thereafter began working with PBS NOVA. Their work will now be shared as part of a documentary series highlighting engineers working to positively change the world. “The Navajo Nation is just one area impacted by lack of access to clean water,” Rowles said. “Around 1.5 million people across the U.S. lack indoor plumbing and many more rely on wells and septic systems that are often aging or failing, leading to sanitation concerns. There are a lot of great organizations and a lot of great research working to address sanitation issues abroad, but I hope this research can open people’s eyes to the fact that this is a local problem, too. Don’t take it for granted that you’re able to turn on the tap and have safe, clean water, because that is not true for a lot of Americans and for much of the world.” You can continue exploring Rowles’ research on an episode of PBS NOVA—Building Stuff: Change It! and by watching the Innovations in Water Treatment with Navid Saleh from Building Stuff: Change It! Twitch episode of Building Stuff with NOVA. If you're interested in learning more or a reporter looking to speak with Stetson Rowles - simply contact Georgia Southern's Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.
Drops in the Bank of Canada rate will not solve housing affordability.
Summary: The Bank of Canada’s interest rate cuts won’t resolve Canada’s housing affordability crisis. Factors such as skyrocketing home prices, unaffordable down payments, and stagnant wage growth are other primary challenges to address. A personal example offered by the author shows how the price of her Toronto home surged over 1,000% from 1983 and 2024 while her wages during the same period rose only 142%. While some see this issue as a consequence of Baby Boomers remaining in their homes, it's more nuanced than that. We have systemic barriers in Canada that necessitate targeted policy changes. It’s time to tackle affordability and implement effective solutions. The Bank of Canada met today, to determine interest rates for the last time this year. They announced a drop of .50 basis points. This is part of a broader effort to stimulate economic growth in Canada, which faces challenges, especially a softening labor market and persistent inflation. Why Should You Care? Interest rates determine how affordable our debt will be and what return we can expect on our savings. Since mortgages represent most consumer debt, interest rates directly impact affordable housing costs, making them very newsworthy. However, interest rates only tell part of the story. When the Bank of Canada lowers its rate, it primarily impacts variable-rate mortgages. These are tied directly to the BoC's overnight rate, so a rate cut can reduce the interest costs on these loans. Homeowners with variable rates would likely see a reduction in their payments, with more of their payments going toward principal rather than interest. People without debt and savings (primarily seniors) will see a drop in their investment returns. In contrast, fixed-rate mortgages, which are not directly tied to the BoC's rate, are influenced more by the bond market, particularly the 5-year government bond yield. The current trend in bond yields suggests that fixed mortgage rates could also decrease over time. Let’s pause here and talk about the affordability of houses and how interest rates are not the reason housing is out of reach for most first-time buyers. A walk down memory lane might offer some perspective. I purchased my first home in the fall of 1983 for $63,500 (insert head shake). I was 27 years old, and before you do the math, yes, I am a Baby Boomer. My first serious (so I thought) live-together relationship had just ended, and I was looking for a place to live. I had finished school and had a good full-time job with Bell Canada. A rental would have been preferred, except I had a dog. Someone suggested that I buy a home. I did not know very much about purchasing real estate or homeownership, for that matter. But I was young and willing to learn. I had been working full-time for two and a half years. During my orientation at Bell Canada, my supervisor told me to sign up for their stock option program. She said I would never miss the money or regret signing up for the plan. She was right. When I purchased my home, there was enough money in my stock account for a down payment and closing costs. My interest rate was a terrifying 12.75%, yielding a mortgage payment of just under $670 monthly. The lender deemed this affordable based on my $18,000 annual wage. Life was good. This was in 1983, when the minimum down payment for a home purchase in Canada was typically 10% for most buyers. However, a lower down payment could be possible with mortgage insurance (provided by organizations like Canada Mortgage Housing Corporation (CMHC), which allowed buyers to put down as little as 5%, provided they qualified for insurance. This was commonly available for homes under $150,000, with stricter terms for higher-priced homes. If you had a higher down payment of 25% or more, mortgage insurance wasn't required, and you could avoid extra costs associated with insured mortgages. This was part of broader efforts by the government to make homeownership more accessible, especially amid the high interest rates of the time. So let's do the math. Circa 1983 I first needed to prove that I had saved $3,175 in down payments and $953 in closing costs for $4128. In the 2.5 years I worked at Bell Canada, I saved $4,050 (including Bell Canada’s contribution) in stocks. I also had another $5,000 in my savings account. $9,000 was enough to complete the transaction and leave me with a healthy safety net. Fast forward to 2024 Let’s compare what the same transaction would look like today. Using the annual housing increase cited on the CREA website, the same house would be valued at approximately $700,000 today. Interest rates are much lower today, at 4.24%, yielding a mortgage payment of $3,545. 1. The down payment rules have changed. For the first $500,000, The minimum down payment is 5%. 5% X 500,000=25,0005\% \times 500,000 = 25,0005% X 500,000 = $25,000 2. The minimum down payment for the portion above $500,000 is 10%. 10% X (700,000−500,000) = 20,00010\% \times (700,000 - 500,000) = 20,00010% X (700,000−500,000) = $20,000 3. Total minimum down payment: 25,000+20,000 =4 5,00025,000 + 20,000 = 45,00025,000+20,000 = $45,000 Thus, the minimum down payment for a $700,000 home is $45,000. Here is the comparison: 1983 Scenario 2024 Scenario Variance Purchase Price: $63,500 $700,000 up 1002% Down Payment: $3,175 $45,000 up 1317% Loan Amount: $60,325 $655,000 up 986% Interest Rate: 12.75% 4.24% down 200% Monthly Mortgage Payment: $670 $3,545 up 429% Wage: $18,000 $43,500 up 142% Gross Debt Service Ratio: 44.6% 97.8% up 119% Time to Save for Down payment: 2 years 12.4 years up 520% *Please note that this example does not include mortgage insurance The real problem As you can see, housing was much more affordable for me in 1983 and far from cheap in 2024. During the past 41 years, wages have increased by 142%, yet interest rates have dropped by 200%. But the most significant impact on affordability has been the over 1,000% increase in housing prices. So why is all the focus on interest rates? At the risk of oversimplifying a complicated issue, I believe the media often uses interest rates as a "shiny penny" to capture attention, diverting focus from deeper housing affordability issues. This keeps the spotlight on inflation and monetary policy, aligning with economic agendas while ignoring systemic problems like down payment barriers and the shortage of affordable homes. Indeed, a movement in interest rates often has an immediate and noticeable impact on borrowers' affordability, making it a hot topic for news and policymakers. However, the frequency and consistency of the Bank of Canada meetings on interest rates give the impression that rates are the primary issue, even though they are just one part of a complex system. For example, even if the Bank of Canada dropped interest rates below zero, it would do little to solve today’s homeownership affordability issue. The real problems: 1. Down Payment Challenges: With housing prices skyrocketing, the 5%- 20% down payment required has become insurmountable for many, particularly younger buyers. High rents, stagnant wage growth relative to home prices, and rising living costs make saving nearly impossible. 2. Lack of Affordable Starter Homes: Due to profitability and zoning restrictions, housing developments often prioritize larger, higher-margin homes or luxury condos over affordable single-family starter homes. 3. Misplaced Generational Blame: Blaming Baby Boomers for "holding onto homes" oversimplifies the issue. They are staying put due to limited downsizing options, emotional attachments, or the need for housing stability in retirement, not a desire to thwart younger generations. 4. Political Challenges: Addressing structural issues like zoning reform or incentivizing affordable housing construction requires political will and collaboration, which can be slow and contentious. A broader lens is needed to understand and address the actual barriers to home ownership. Interest drops are merely a band-aid solution that misses the central issue of saving a down payment. The suggestion that we have an intergenerational issue needs to be revised. The fact that Baby Boomers are holding on to their homes should not surprise anyone. However, Real Estate models that predicted copious numbers of Baby Boomers selling their homes to downsize got it wrong. Downsizing was a concept conceived in the 1980s. Unfortunately, it did not account for record-setting home price increases or inflation, leaving it undesirable for today’s seniors. Although this is a complex issue, a few suggested solutions are worth exploring. What can be done? Focus on Policy Innovations: To create housing, increase supply, curb speculative investments, and provide targeted assistance for builders to build modest starter homes. To create rentals, homeowners should also receive income tax incentives to build Accessory Dwelling Units (ADUs). These could be used as affordable rentals or to house caregivers for senior homeowners. Today, The federal government announced a doubling of its Secondary Suite Loan Program, initially unveiled in the April 2024 budget. This is a massive step in the right direction. To create down payments, adopt a policy allowing first-time home buyers to avoid paying tax on their first $250,000 of income. Then, they could use the tax savings as a down payment. Focus on Education and Advocacy: Include a warning that helps consumers understand that withdrawing from RSPs results in a significant loss of compound interest related to withdrawals and how this can harm income during retirement. Encourage early inheritance to create gifted down payments. Normalize the concept by emphasizing the benefits to the giver and the receiver. Educate the public on using financial equity safely and create down payments as an early inheritance for their heirs. This will shift the conversation and initiate an intergenerational transfer of wealth that empowers the next generation to own a home. The Bottom Line While the Bank of Canada interest rate cut may ease some financial strain for homeowners with variable-rate mortgages, it will do little to address the core issue of housing affordability. The media's fixation on interest rates as a "shiny penny" distracts from more profound systemic barriers, such as the inability to save for a down payment and the lack of affordable housing stock. These challenges require targeted policies, structural reforms, and intergenerational collaboration to be tackled effectively. The focus must shift from short-term rate adjustments to long-term solutions that prioritize accessibility and affordability in housing. Without meaningful action, homeownership will remain out of reach for many, perpetuating the cycle of financial inequity across generations. Dont't Retire... Re-Wire! Sue
Maureen Leffler, D.O., Named ChristianaCare’s Chief Wellbeing Officer
Maureen “Mo” Leffler, D.O., MPH, has been appointed chief wellbeing officer of ChristianaCare, effective Nov. 25. In her role, Leffler leads the ChristianaCare Center for WorkLife Wellbeing and strategies to enhance the professional fulfillment and well-being of ChristianaCare’s nearly 14,000 caregivers, overseeing advocacy programs and initiatives to optimize their experience and foster a culture of well-being throughout the organization. She works closely with leaders across key departments to address factors impacting caregiver well-being. Leffler most recently served as the inaugural chief wellbeing officer at Nemours Children’s Health, where she helped the organization to achieve the 2022 Joy in Medicine distinction from the American Medical Association for prioritizing proven efforts to enhance the professional fulfillment of physicians. There, she established a Center for Associate Wellbeing; led the first systemwide assessment to strategically address well-being and burnout; and implemented a peer support program and expanded the scope of resources available to support the emotional and mental health needs of employees. In collaboration with organizational leaders, she supported targeted clinical team assessments and systems-based interventions to foster well-being. Prior to this role, Leffler served as a pediatric rheumatologist at Nemours and as an assistant professor of pediatrics in the Division of Rheumatology at Thomas Jefferson University. Since 2017, Leffler has served as the course director of the Chief Resident Leadership Training Program for the Accreditation Council for Graduate Medical Education (ACGME). In response to the COVID-19 outbreak, she co-chaired ACGME’s National Task Force on Well-Being. She and her team developed a national graduate medical education well-being community, which she continues to convene, to understand the evolving challenges and share strategies to improve well-being. She represents the ACGME as a coach for the National Academy of Medicine Action Collaborative on Clinical Well-Being and Resilience. She also serves as a consultant to the Professional Satisfaction team at the American Medical Association. Leffler earned her medical degree from the Philadelphia College of Osteopathic Medicine, followed by a residency in pediatrics at Nemours and Thomas Jefferson University Hospital, where she served as chief resident. She subsequently trained in pediatric rheumatology at Nemours and Jefferson. She also earned a Master of Public Health from Temple University and studied chemistry at St. Joseph’s University. Recently, Leffler completed the Georgetown Executive Leadership Certification Program.
Covering the new Trump Administration - We can Help
With each day seems to come an new appointee to cabinet or significant role, a new policy twist and even the occasional walk back or withdrawal. The steps leading up to January 20, 2025 when Donald Trump resumes office as President of the United States will be getting a lot of coverage - and UC Irvine has it's own team of experts ready to lend their experience, perspective and expert opinion on what is happening. Louis DeSipio examines how democratic nations incorporate new members, including policymaking in the areas of immigration. Topics of Expertise: Foreign Affairs / NATO Immigration and Deportation Department of Education, EPA, Homeland Security, Department of Interior, NOAA, HHS and FDA Jeffrey Wasserstrom specializes in modern Chinese cultural history & world history, who has written on many contemporary as well as historical issues. Topics of Expertise: Foreign Affairs / NATO Free Speech Department of Education, EPA, Homeland Security, Department of Interior, NOAA, HHS and FDA Eric Swanson is an expert on inflation, recessions and what changes in interest rates mean for the economy. Topics of Expertise: Foreign Affairs / NATO Tariffs Impact of Downsized Government Senior's Health and Social Security Heidi Hardt is an expert on NATO, defense, security, foreign policy, organizations, the EU, UN, operations, gender, climate and change. Topics of Expertise: Foreign Affairs / NATO Climate Change Gender and LGBTQ+ Rights Tony Smith’s knowledge of politics includes Constitutional Law, the U.S. Supreme Court and election law. Topics of Expertise: Free Speech Department of Education, EPA, Homeland Security, Department of Interior, NOAA, HHS and FDA Jon Gould is a distinguished scholar in justice policy, social change and government reform. Topics of Expertise: Deregulation Gender and LGBTQ+ Rights All of these experts are available to speak with media - simply click on a profile now to arrange an interview time today.
National Science Foundation Confirms Record Research Growth at LSU
The National Science Foundation confirmed LSU’s record research expenditures of $488 million in fiscal year 2023. This historic growth of 14% compared to 2022 was previously announced by LSU and represents top performance alongside research university peers such as the University of Kentucky and the University of Tennessee. The growth reflects increased research activity across the LSU Family—especially on the flagship campus and at LSU Health New Orleans and LSU Health Shreveport. The national ranking of LSU’s five research campuses—the flagship in Baton Rouge, the LSU AgCenter, Pennington Biomedical Research Center, and the two LSU Health campuses—increased from 71 to 69, a rise moderated by the average growth of U.S. research universities around 11%. Compared to its peers, LSU is a leader in win-win partnerships with state and local government, with strong and continued investment in research. LSU research adds an estimated $1.3 billion to the Louisiana economy each year. The numbers that were just confirmed by the National Science Foundation recognize LSU as especially strong in federally grant-funded research in life sciences, geosciences, math and statistics, and computer and information sciences. These strengths align with the data-driven research priorities of the LSU Scholarship First Agenda to create new solutions for agriculture, biomedicine, coast, defense, and energy. “This NSF report confirms our focus on research growth to meet the needs of the state as well as our dedication to LSU’s Scholarship First Agenda,” said Robert Twilley, LSU vice president of research and economic development. “The significant increase in federal grants to LSU and Louisiana represents growing investment in our competitiveness and capacity to solve problems for the state and nation.” Read the full NSF report: https://ncses.nsf.gov/surveys/higher-education-research-development/2023
