Experts Matter. Find Yours.

Housing Shortage Could Cost NY Politically

Lawrence Levy, associate vice president and executive dean of the National Center for Suburban Studies, was interviewed by the Investigative Post for the article: “Housing shortage could cost New York politically.” New York’s persistent housing shortage, driven in part by restrictive local zoning and slow homebuilding, is contributing to population loss that could cost the state two U.S. House seats after the 2030 Census as people relocate to more affordable areas. Levy said that because housing policy is handled town by town, many communities “become villages of no,” resisting new housing and exacerbating the problem.

Florida renters struggle with housing costs, new statewide report finds

Nearly 905,000 low-income renter households in Florida are struggling to afford their housing costs, according to the 2025 Statewide Rental Market Study, released by the University of Florida’s Shimberg Center for Housing Studies. Prepared for Florida Housing Finance Corporation, the report provides a comprehensive look at the state’s rental housing conditions and is used to guide funding decisions for Florida Housing’s multifamily programs, including the State Apartment Incentive Loan (SAIL) program. “Florida’s strong population growth has collided with limited housing supply, pushing rents beyond what many families can afford,” said Anne Ray, manager of the Florida Housing Data Clearinghouse at the Shimberg Center. “This report helps policymakers and housing providers target resources where the need is most acute — including communities that are experiencing the fastest growth and the greatest affordability gaps.” Key findings from the 2025 study include: A growing affordability gap: An estimated 904,635 renter households earning below 60% of their area median income (AMI) are cost burdened, paying more than 40% of their income toward rent. These households are spread across the state, with 64% in Florida's nine most populous counties, 33% in mid-sized counties and 3% in small, rural counties. Surging population and higher rent and housing costs: Between 2019 and 2023, Florida added more than 1 million households — nearly 195,000 of them renters — driven by in-migration from states like New York, Illinois and California. Despite the addition of more than 240,000 multifamily units, median rent soared nearly $500 per month, from $1,238 to $1,719. After years of growth, Florida's older renter population is holding steady: Renters age 55 and older represent 39% of cost burdened households, up from 29% in 2010 but similar to 2022 numbers. Most renters are working: 79% of renter households include at least one employed adult, compared to 67% of owner households. Most non-working renters are seniors or people with disabilities. Homelessness is on the rise: The report estimates 29,848 individuals and 44,234 families are without stable housing, up from 2022, as hurricanes and tight markets contribute to displacement. Assisted housing provides an alternative to high-cost private market rentals: Developments funded by Florida Housing, HUD, USDA and local housing finance authorities provide over 314,000 affordable rental units statewide. Future risks to affordable housing stock: More than 33,000 publicly assisted units may lose affordability protections by 2034 unless renewed. Evalu ating affordable housing in Florida “State- and federally-assisted rental housing developments are essential to providing stable, affordable homes for Florida’s workforce, seniors, and people with special needs,” Ray said. “Florida Housing Finance Corporation’s programs make up a significant portion of this housing, and our study helps ensure those resources are directed where they’re needed most. Preserving these developments — and expanding them — is critical to keeping pace with Florida’s growing population and maintaining affordability.” Since 2001, the Shimberg Center has produced the Rental Market Study every three years to inform strategic investments in affordable housing across Florida. The study evaluates needs across regions and among key populations including seniors, people with disabilities, farmworkers and others. The Rental Market Study and the Florida Housing Data Clearinghouse are part of a 25-year partnership between the Shimberg Center and Florida Housing Finance Corporation to support data-driven housing policy and planning.

Covering the Economy? FAU has the ideal expert to help with your questions and stories

The economy isn’t just a headline, it’s the story behind nearly every headline. From grocery bills and mortgage rates to job growth, small business confidence, and federal policy decisions, economic forces shape daily life for Americans in ways that are immediate and deeply personal. For journalists, that makes the economy a constant, high-stakes beat. Audiences want clear answers: Why are prices rising? Are we headed for a slowdown? What does the Fed’s next move mean for my community? The challenge is cutting through jargon and partisan spin to deliver insight that’s accurate, grounded, and understandable. That’s where William Luther, Ph.D., stands out. A respected economist and Associate Professor at Florida Atlantic University, Luther brings serious academic credibility, but explains economic trends in plain language that resonates beyond the classroom. His expertise in monetary policy, inflation, unemployment, cryptocurrency, and economic growth makes him a valuable resource for breaking news, enterprise stories, and long-form analysis alike. Whether reporters are covering Florida’s housing market, national interest rate decisions, or the future of digital currency, Luther offers thoughtful, balanced analysis that helps audiences understand not just what’s happening, but why it matters. William Luther, Ph.D., is an expert in monetary economics and macroeconomics. He is an associate professor of economics at Florida Atlantic University, director of the American Institute for Economic Research’s Sound Money Project, and an adjunct scholar with the Cato Institute’s Center for Monetary and Financial Alternatives. The Social Science Research Network currently ranks him in the top five percent of business authors.  View his profile Recent media coverage: ABC News Others downplayed the likelihood of a meaningful loss of Fed independence, since news of the DOJ investigation of Powell drew a rare degree of Republican opposition. Powell holds only a single vote on the 12-member board responsible for setting interest rates, they said. “Anytime we’re changing institutions, we should have some concern,” William Luther, a professor of economics at Florida Atlantic University, told ABC News. “At the same time, we should recognize the institutional safeguards we have are pretty strong.” Newsweek William Luther, associate professor of economics at Florida Atlantic University, said that the immediate net financial loss to those in Florida, and all Americans, appears to be "very, very large." Luther added Florida should expect a short-term "sharp contraction" in real estate and tourism, both vital sectors for the state's economy. NPR At the moment, the economy is performing very well. It wasn't performing very well not too long ago, both because of the pandemic, which reduced our ability to produce goods and services quite significantly, and then, as a result of some of the policy responses to that pandemic, we had very high inflation. NBC Will Luther, an economics associate professor at Florida Atlantic University, acknowledged the concerns among students. "Absolutely, there are students very much concerned with whether or not they will be able to get a job when they finish here. The good news is that they will. The bad news is it's a little harder right now than it was, say, two years ago," Luther said. Fox Nation FAU's William Luther joins Fox Nation's Deep Dive, hosted by the Wall Street Journal's Mary Anastasia O'Grady, to discuss the economic impact of cryptocurrencies. Video courtesy of Fox Nation's Deep Dive.

Why homelessness is more than a housing issue for students

More than 4,400 students in Delaware were identified as experiencing homelessness during the 2022–23 school year, a number that continues to rise.  Ann M. Aviles, associate professor in the University of Delaware’s College of Education and Human Development, studies education equity, social policy and services for children and families. She is co-author of a new book, "Serving Students Who Are Homeless: A Resource Guide for Schools, Districts, Educational Leaders, and Community Partners", which offers practical guidance for educators navigating the challenges of student homelessness. Nationwide, more than 1.3 million school-aged children experience homelessness annually. While housing instability is often viewed as a social services issue, research shows it has direct and profound consequences for student learning, engagement and well-being. Housing instability affects every aspect of a student’s daily life. Students may be worried about where they will sleep, whether they will have food or how they’ll get home after school. That uncertainty makes it much harder to focus on learning, Aviles said. A key recommendation in Aviles’ new book is stronger collaboration between schools and community organizations. She encourages districts to develop community resource maps that identify local food pantries, shelters, health providers and other support services. She also emphasizes the importance of public understanding of homelessness as a systemic issue shaped by policy, affordability and access to services. To speak with Aviles further, email mediarelations@udel.edu. 

With the MOMitor™ app, Florida mothers have better maternal care right at their fingertips

A program spearheaded by University of Florida physicians recently expanded to improve care for new mothers throughout the state, using tools they have right at home. Five years ago, a team of obstetricians and researchers at the UF College of Medicine launched MOMitor™, a smartphone app that allows new mothers to answer health screening questions and check vitals like blood pressure in the comfort of their own homes, using tools given to them by their health care providers. Depending on the data, the clinical team can then follow up with patients as needed for further medical intervention. Now, the app is expanding beyond North Central Florida — where nearly 4,400 mothers have participated in the program — to other areas in the state. Clinicians are also teaming up with data scientists at the College of Medicine who are using artificial intelligence to study data and identify trends that can lead to more personalized care. Program expansion Thanks to funding from the Florida Department of Health to support the state’s Telehealth Maternity Care Program, MOMitor™ has recently expanded for use in Citrus, Hernando, Sumter, Flagler, Volusia, Martin, St. Lucie and Okeechobee counties, said Kay Roussos-Ross, M.D. ’02, MPAS ’98, a UF professor of obstetrics/gynecology and psychiatry who is leading the program. “The Florida Legislature was really motivated and interested in improving maternal morbidity and mortality, and through this program we’re touching additional parts of the state and helping patients beyond North Central Florida,” she said. Maternal mortality is a serious concern in the United States, with more than 18 deaths recorded per 100,000 births in 2023, according to the latest data available from the U.S. Centers for Disease Control and Prevention. This is a much higher rate than most other developed countries, Roussos-Ross said. Common factors that may lead to maternal mortality, which is measured from pregnancy through the first year after giving birth, include infection, mental health conditions, cardiovascular conditions and endocrine disorders. Many of these complications can go unnoticed or unmonitored, particularly if at-risk mothers are not reporting complications to clinicians. A 2025 study published in the Journal of the American Medical Association shows that up to 40% of women do not attend postpartum visits. “By leveraging AI, we have the opportunity to target moms and moms-to-be who might be at greater risk of complications ... and encourage them to participate in the program to mitigate these.” — Tanja Magoc, Ph.D. “Whereas we’re used to seeing patients pretty routinely during pregnancy, after delivery visits quickly drop off and some women don’t make it back for postpartum care, so we may not have an opportunity to continue supporting them,” Roussos-Ross said. “This can often be because of barriers such as housing, transportation or food insecurity. We offer referrals to help with some of these services.” With MOMitor™, patients can let their clinician know how they are recovering without visiting the clinic, improving access to care in situations where that is not always an easy option for new mothers. “It’s a way to be proactive,” Roussos-Ross said. “Instead of waiting for a patient to come to us when they haven’t been doing well for a while, we connect with them through the app and follow up when they initially begin not doing well, so we can address concerns more quickly.” Studying data to personalize care Roussos-Ross’ team is collaborating with data scientists from the College of Medicine’s Quality and Patient Safety initiative, or QPSi, to determine how AI can assist in finding ways to further improve processes. “By leveraging AI, we have the opportunity to target moms and moms-to-be who might be at greater risk of complications, such as developing postpartum depression or hypertension, and encourage them to participate in the program to mitigate these complications,” said Tanja Magoc, Ph.D., the associate director of QPSi’s Artificial Intelligence/Quality Improvement Program. David Hall, Ph.D., a QPSi data scientist, said his team is working alongside the clinical team to analyze data that can be used to create recommendations for patients. “Everything we do comes from information supported in the patients’ charts,” Hall said. “We also make sure the data upholds compliance standards and protects patients’ privacy.” “We’re interested in finding out what areas might be hot spots and determining what makes them this way, so we can ... better identify areas where there may be high-risk patients and provide interventions to those who need it most.” — David Hall, Ph.D. The teams aim to intervene before patients encounter postpartum complications, addressing potential issues before they become significant problems. After taking into account a patient’s personal and family medical history, the team looks at information such as geolocation, drilling down to areas much smaller than the ZIP code level in order to find points of potential concern. “We’re interested in finding out what areas might be hot spots and determining what makes them this way, so we can study these patterns throughout the state and better identify areas where there may be high-risk patients and provide interventions to those who need it most,” Hall said. Roussos-Ross said she is proud of the work her team has done to improve patient outcomes through the program so far and is excited to empower more patients. “Every year, the participants give us recommendations on how to improve the app, which we love. But they also say, ‘This is so great. It helped me think about myself and not just my baby. It helped me learn about taking care of my own health. It made me remember I’m important too, and it’s not just about the baby,’” Roussos-Ross said. “And that is so gratifying, because women are willing to do anything to ensure the health of their baby, sometimes at the expense of their own care. This is a way for us to let them know they are still important, and we care about their health as well.”

How UF researchers are helping Floridians to build resilience

When Hurricane Idalia hit the Big Bend region of Florida in 2023, Jeff Carney and his team were watching. A coalition of architects, planners, and landscape architects led by Carney worked closely with the tiny Gulf island of Cedar Key, which is particularly vulnerable to hurricanes, to prepare for this moment. The researchers had modeled for city officials how a major storm would flood the city’s core services. “Idalia caused flooding exactly where the maps said it would, including city hall, the historic downtown, older homes, and many streets,” Carney said. After the storm, Cedar Key moved city hall to higher ground, as outlined in the plan. And just in time. Barely a year later, Cedar Key was hit even harder by Hurricane Helene. Between the storms, Carney’s group had worked with the city to refine their storm preparation. The new plan focused more on resilience-boosting projects, like improving drainage around the city. Cedar Key finalized their plans just weeks before Helene. “A lot of the projects we put forward in this plan are in the process of seeking additional funding after Helene,” Carney said. A professor of architecture at the University of Florida, Carney directs the Florida Institute for Built Environment Resilience, or FIBER. A research institute in UF’s College of Design, Construction and Planning, FIBER engages with communities to understand how the designs of buildings and cities expose Floridians to risks — not just storms, but also excessive heat, poor air quality, even a lack of health care. FIBER faculty then work with cities to mitigate these hazards. By preparing for emergencies, upgrading buildings, and providing targeted services, communities across Florida are bolstering the resilience of their residents, all with expert help from UF researchers. Preparing to weather big storms That kind of resilience is especially important for some of Florida’s most vulnerable residents. Older and poorer Floridians face higher-than-average risks from natural disasters and other environmental hazards. That vulnerability was apparent in Cedar Key as it weathered the last two hurricane seasons. Centered around aquaculture and tourism, Cedar Key seems in many ways to be thriving. Yet, with the feel of a small fishing village, roughly 13% of its nearly 1,000 full-time residents are considered to be financially disadvantaged, according to U.S. Census data. Poorer residents may also have a harder time walking away from coastal communities devastated by storms. With savings invested into damaged homes and jobs tied to the local area, less-wealthy residents often have no choice but to stay and rebuild. Carney’s team helps people see the opportunities for rebuilding with a clearer vision of a future where rising sea levels are a reality. “You capture people’s attention and excitement when you can offer them options that are not doomsday,” said Carney, who has been working in Pine Island and Matlacha in Southwest Florida’s Lee County to help residents affected by recent storms prepare for the future. “There’s a lot of opportunity for rebuilding as long as you don’t try to have it be business as usual. We help people see how redevelopment can provide a community asset for the future,” he added. “We try to paint the picture of all the possible scenarios so people can find their own comfort level. It puts them in the driver’s seat.” Aging with fewer choices While that kind of agency is empowering, it can be harder to come by as people retire and find themselves facing tough decisions on fixed incomes. That’s a common experience in Florida, which has a larger proportion of seniors than any other state, due in part to its popularity as a retirement destination. More than 10% of Americans over the age of 65 live below the federal poverty line. This population often finds themselves moving to less safe places as they age. “Older people with more social vulnerability — such as low income or poor health — have a tendency to move to worse places,” said Yan Wang, Ph.D., a professor of urban and regional planning in the UF College of Design, Construction and Planning. “They are more likely to move to places with less economic stability, with less access to health care, and with more exposure to extreme weather.” Wang and postdoctoral researcher Shangde Gao, Ph.D., recently published a study that uncovered the risks low-income seniors face when moving. Compared to their peers with higher incomes, poorer seniors were more likely to end up in neighborhoods lacking access to health care facilities. To address these kinds of disparities, UF Health has launched mobile health units that can reach people who have trouble traveling to health centers, including low-income seniors. The Mobile Outreach Clinic provides primary care and referrals for specialists. And the newly launched cancer screening vehicle, which serves all of North Central Florida, can help catch the disease in the early stages when it is easiest to treat. It’s not just finding health care that’s a struggle. Older adults from minority racial groups were also more likely to increase their exposure to poor air quality and to natural disasters like flooding and hurricanes when they moved, Wang and Gao discovered. “If we understand the trend and causes of these income disparities better, we could better prepare some places with more health care resources or better hurricane preparation for these older populations,” Wang said. Building safer, healthier homes That preparation is happening right now in Jacksonville, not just for big storms but for the everyday nuisances and hazards — even the ones people are exposed to in their own homes — that threaten people’s lives and health. The Jacksonville Restore and Repair for Resiliency research initiative was founded to address these kinds of risks while improving energy efficiency. The R3 initiative, as it’s known, is a home remodeling program organized by a slew of community partners and supported by FIBER research on the impact of housing quality on health. The project aims to keep longtime residents of the Historic Eastside in their homes while addressing the home hazards that put people at risk for medical complications like asthma attacks and emergency room visits. “The designs of buildings impact human health and well-being,” said Lisa Platt, Ph.D., the lead researcher with the Jacksonville program and an assistant professor of interior design with FIBER. “Our research is helping the team prioritize the home improvements that will benefit residents’ health the most.” Jacksonville’s Eastside faces a lot of challenges. The population is older than the city as a whole. Roughly three-quarters of residents are over the age of 60, and the poverty rate is over 40%. Yet more than a third of residents own their own homes. Often passed down from previous generations, some of the houses are now over a century old and struggle to keep the intense Florida heat and humidity out. Platt’s research has modeled how things like high heat days — only growing more common in a warming world —are associated with increased emergency room use and poor perceived physical and mental health. That science helps guide the community partners to prioritize providing air conditioning and better insulation to protect Historic Eastside residents. To date, the Jacksonville program is targeting up to 70 homes for renovation. Builders have fixed holes in roofs, replaced drafty windows, and hooked up air conditioning for the first time, keeping the heat and humidity at bay and protecting residents’ health. Now the R3 initiative is applying for federal grants to expand the program. “I think the best way to approach this kind of community action research is with humility and outreach. Community members have amazing expertise. I always say, ‘I can build models to analyze the problem, but you are the ones that are the experts,’” Platt said. “That’s where UF can be most useful, is coming in from a perspective of service.”

Federal Budget 2025: What's In It for Canadian Seniors?

Let's be honest: the word "budget" probably makes you want to take a nap. Or pour a stiff drink. Maybe both. We spent decades pinching pennies, brown-bagging lunches, and watching every dollar so we could finally retire and stop thinking about money every waking minute. Now here I am, telling you to read about a government budget. I know. I'm sorry. But stick with me—I promise to make this as painless (and possibly entertaining) as possible. Why You Should Care About the 2025 Federal Budget (Even If You Really Don't Want To) Some of you hate talking about money. I get it. But here's the thing: information is power, and denial isn't just a river in Africa (give it a second to land)—it creates unnecessary ignorance and real missed opportunities to regain some control over your financial life. Plus, this budget affects your kids and grandkids too. So even if you're sitting pretty, the people you love might not be. The Economy Right Now: A Very Quick Explainer You've probably noticed everything costs more. A lot more. Welcome to inflation, courtesy of today's tariff-happy trade wars. (And if you want a deeper dive into how inflation affects more than just your wallet, check out my earlier piece: "Inflation: It's not just for prices anymore".) Here's the short version: When governments slap tariffs on imported goods (think: "You want to sell your stuff here? Pay up!"), Companies pass those costs directly to you at checkout. Your grocery bill goes up. Your heating costs rise. Even that new garden hose costs more because, apparently, everything comes from somewhere else now. So when you're living on a fixed income—CPP, OAS, maybe some RRIF withdrawals—and prices keep climbing while your income stays flat, that's a problem. A big one. Enter: the federal budget. It's basically Ottawa's financial to-do list: where they'll spend money, what they'll cut, and (theoretically) how they plan to make your life easier. Or at least less expensive. What's Actually In This Federal Budget Thing (The Good Parts Only) I've waded through the charts, jargon, and multi-billion-dollar announcements so you don't have to. Here's what matters to you: 1. Your House: Now it's a Potential ATM Remember when turning your basement into a rental suite sounded expensive and complicated? Ottawa heard you. The Secondary Suite Loan Program is expanded: Borrow up to $80,000 at 2% interest (15-year term) to build a basement apartment, garden suite, or in-law unit.  The refinancing rules are also relaxed: You can now refinance up to 90% of your home's post-renovation value to fund these projects. Translation: You can turn unused space into monthly rental income, house a caregiver, or create a spot for family—all while boosting your property value. It's like your house went to entrepreneurship school. For more on Additional Dwelling Units (ADUs), check out this post. 2. Slightly Less Painful Tax Season Ottawa is cutting the base federal tax rate for modest-income earners and cancelling the consumer carbon price on heating fuels. Translation: If you're still working part-time or living on CPP + OAS + RRIF withdrawals, expect slightly lower deductions and cheaper heating bills starting this winter. We're talking maybe $30–$50 more per month—not a windfall, but enough to buy groceries without wincing at the checkout. 3. Health Care: Maybe, Possibly, Getting Better The budget includes more money for provinces to spend on health care and long-term care reform. The goal? Shorter wait times and expanded home-care programs. Translation: The government says they're helping seniors age at home with dignity. Whether that actually happens depends on your province not blowing the money on consultants and photo ops. Keep your eyes on provincial announcements for new or expanded home-care subsidies. 4. Your Savings: Slightly Less Likely to Evaporate Budget 2025 confirmed Canada has the lowest debt-to-GDP ratio in the G7. They're also cracking down on bank fraud and scams targeting seniors. Translation: Lower national debt helps keep interest rates and inflation under control, protecting the real value of your fixed income. And Ottawa is finally recognizing that scammers love targeting retirees. (If you haven't already, read my piece on The Rise in Grandparent Scams—it's eye-opening.) About time. Watch for my upcoming article on a recent senior scam making the rounds—and my assessment of how banks can do much more to protect seniors.  5. $60 Billion in "Savings" (Don't Panic) You'll hear politicians bragging about cutting $60 billion. Before you worry they're gutting CPP or OAS, relax. They're trimming their own bureaucracy—less middle management, more digital tools, fewer wasteful meetings about meetings. Translation: They're supposedly spending less on themselves so they can spend more on things that matter—like housing, health care, and infrastructure. Whether they actually pull this off remains to be seen, but at least they're talking about it. So What Does All This Actually Mean? Look, I won't pretend this budget is a game-changer. It's not. But it does offer a few smart moves if you're willing to act. And let's remember: this is Carney's first budget. Changing financial policy and spending priorities takes time—and some patience on our part. Rome wasn't built in a day, and neither is a functional federal budget that actually helps everyday Canadians. Review your home equity. Could an ADU loan help you age in place and generate income? Audit your expenses annually. Cutting $100/month in spending equals roughly $1,500 in pre-tax income. That's real money. Stay vigilant against scams. Government protection is nice, but it starts with you not clicking sketchy emails and text messages. Ask about tax credits. Low-income seniors may qualify for increased refundable credits under provincial top-ups this year. This isn't a flashy budget. There are no big checks in the mail. But it does signal a shift toward pragmatism: help Canadians stay housed, healthy, and financially secure while Ottawa tightens its own belt. For Canadians 55+, that means: Slightly lower everyday costs More options to create income from your home Continued investment in health and home care A more stable economy to protect your savings Progress? Maybe. One cautious, bureaucratic step at a time. Your Next Move Take 30 minutes this week to think through how these programs could fit into your life. Could an ADU loan make aging in place possible? Could refinancing free up cash flow? Small adjustments now = big peace of mind later. And that's what being hit, fit, and financially free is all about. And hey—you just read an entire article about a government budget. Voluntarily. That deserves recognition. Go ahead, brag about it. You've earned it. Now go enjoy your retirement. You've definitely earned that too. Sue Don’t Retire…Re-Wire!!!

UF builds community resilience in Jacksonville’s Historic Eastside neighborhood

As the University of Florida continues to expand its presence in Jacksonville, Gators are undertaking sustainability projects to improve the city’s neighborhoods. Faculty and students in the College of Design, Construction and Planning’s Florida Institute for Built Environment Resilience (FIBER) have spent the past four years focusing on the role of housing design in community health resilience in Jacksonville’s Historic Eastside neighborhood, interviewing resident stakeholders and collaborating with citywide organizations that are helping to restore older homes. Findings from the UF research will be instrumental in informing future community planning and housing design decisions, potentially leading to more health-centered, sustainable neighborhoods. “Our research in Jacksonville focuses on how we can inform the development of community infrastructure that holistically supports human well-being across mental, emotional, and physical dimensions,” said Lisa Sundahl Platt, Ph.D., a FIBER research faculty member and an assistant professor of interior design at UF, who added that this holistic, health-centered approach is known as salutogenic design. “We are also actively collaborating with community organizations in Jacksonville and researchers from UF to explore improved strategies for designing and constructing community infrastructure that effectively responds to potential hazards.” A community-wide collaboration UF has conducted a pilot study over the past year on the Jacksonville-based Restore, Repair, and Resilience (R3) initiative that is underway in Historic Eastside – surveying residents about how the design quality of their housing and surrounding environments affects their overall well-being. This interdisciplinary project has brought together FIBER and members of the R3 Group – a coalition of organizations that includes the JEA utility company, LIFT JAX (committed to eradicating generational poverty), the Historic Eastside Community Development Corporation, the United Way of Northeast Florida, and Local Initiatives Support Corporation Jacksonville. FIBER-led research has received ongoing support from the Florida Resilient Cities grant, which is funded by the Jessie Ball duPont Fund. The scope of the R3 project is being scaled up through a U.S. Department of Energy grant awarded through JEA, which will allow for an expansion of home revitalization efforts in Eastside Jacksonville. FIBER’s ongoing housing and health community action research on these efforts will be supported through a grant from the LS3P Foundation. “Many residences we evaluated need help with improvements to housing energy efficiency, building ventilation, building shell structural integrity, and materiality,” Platt said. “For example, underperforming flooring material can create potential trip hazards for older adults. Deterioration in interior materials, caused by degrading components of the building envelope, can also lead to mold and mildew growth in interior environments, which can contribute to poor interior environmental quality issues and acute and chronic health conditions.” Respiratory health issues are often caused by material and ventilation design failures, which can affect people of all ages, especially vulnerable populations such as children and older adults. Oftentimes, interior designers see that the environmental risks that compromise human well-being are coming from both the outside and inside of the buildings. “As we continue to address priorities, our focus extends beyond energy and building efficiency to encompass comprehensive factors of built environment resilience that impact overall community health and well-being,” Platt said. “There's still significant progress to be made in the design of sustainable housing that supports community salutogenic health." Keeping residents safe and healthy UF research has continued to prove that interior resilience for living environments plays a vital role in people’s mental and physical health. “People spend roughly 90% of their time indoors, so it is important to understand the types of design conditions and materials that we’re putting into spaces and how they can affect the occupants of those living in said spaces,” said UF student Milena Rodriguez Mendez, who is one of Platt’s graduate research assistants. Students like Mendez are using qualitative and quantitative research methods to engage in collaborative community-led research that includes academics, for-profit organizations, nonprofits, citizen scientists, and neighborhood stakeholders. “I aim to center my work on social justice and equity, and I believe this initiative represents a meaningful step in that direction,” Mendez said. “Our focus is on the residents of this vibrant yet at-risk community.” FIBER researcher Jason von Meding added, “We want to know how future housing policies can address some future health concerns. We have a lot of youth in the community that are participating, which I think is important.” The FIBER housing and health team is actively pursuing additional funding to expand this research, in collaboration with UF Health Jacksonville’s Department of Community Engagement. “Our goal is to develop an open-source online platform that disseminates lessons learned and proof-of-concept findings on the impact of regenerative housing design on human and ecological health,” Platt said. “This resource will be valuable for other cities and neighborhoods facing similar challenges in housing quality, affordability, and accessibility.” Looking to know more about this project or connect with Lisa Platt? Simply click on her icon now to arrange an interview today.

20 Days Into the Government Shutdown: What’s the Impact on Your Wallet?

"Government shutdowns create a cascading financial impact that begins with federal workers but quickly spreads throughout the economy, with effects intensifying the longer the shutdown persists. Approximately 2 million federal civilian employees face direct financial disruption during shutdowns. Essential personnel in national security and public safety continue working without immediate pay, while non-essential workers are furloughed entirely. Although Congress typically authorizes back pay after shutdowns end, families must navigate weeks or months without regular income, forcing them to drain savings, incur debt, or miss critical payments like mortgages and utilities. Federal contractors face even greater uncertainty, as they often receive no compensation for shutdown periods, creating immediate cash flow crises for businesses of all sizes that depend on government work. The financial impact extends well beyond federal employees through several key transmission mechanisms. Reduced consumer spending from affected workers hits local businesses particularly hard, especially in areas with high concentrations of federal employment like Washington D.C. and military communities. Small businesses face additional challenges through delayed government contract payments and suspended access to Small Business Administration (SBA) loan processing. Critical financial services experience significant disruptions. Federal Housing Administration (FHA) and Veterans Affairs (VA) mortgage approvals slow or halt entirely, delaying home closings and affecting real estate markets. The Internal Revenue Service (IRS) may delay tax refunds and income verification services, further constraining household cash flow and complicating loan applications. Financial markets typically experience increased volatility during shutdown periods, as uncertainty about government stability affects investor confidence. Consumer confidence also tends to decline, particularly during prolonged shutdowns, leading to reduced spending that can amplify economic impacts. Credit rating agencies have historically warned that extended shutdowns could threaten the nation's credit rating, potentially raising borrowing costs across the economy. For most Americans whose income doesn't flow through federal channels, immediate wallet impact remains modest initially. However, the longer shutdowns persist, the more likely average citizens will experience effects through delayed services, financing complications, reduced economic confidence, and broader market softness. The cumulative impact grows exponentially with duration, making swift resolution critical for maintaining economic stability."

Why Brokers Are Canada’s New Mortgage Rockstars

There’s a quiet revolution happening in Canadian mortgage lending—well, as “quiet” as anything can be when two-thirds of Canadians are shouting, “We’d rather deal with a broker than a bank!” According to the most recent Mortgage Professionals Canada (MPC) Consumer Survey, 67% of Canadians now say they’d rather work with a mortgage broker than a bank. Among those who already have? A whopping 81% would do it again. That’s not just a statistic. That’s a standing ovation. The Great Mortgage Broker Boom According to recent MPC data, broker market share reached 33% in 2024—a four-point increase in just two years. Nearly half of all borrowers now choose brokers. The message is clear: Canadians are tired of sales reps; they want advocates who speak human, not policy manual. And who can blame them? With 1.2 million mortgages renewing in 2025 and average payments increasing by $513 a month, people aren’t just rate-shopping anymore—they’re seeking guidance, reassurance, and maybe a bit of hope. Let’s face it: they want their cake and still be able to heat their home too. Why This Matters—Especially for Seniors I work with Canadians aged 55+ every day, and about three-quarters of them are homeowners. They’ve done everything right: worked hard, paid off debt, raised families, and built wealth through their homes. But now, many feel… trapped by them. Here’s the reality: Mortgage renewals are costing hundreds more monthly (some facing 15–20% jumps) Inflation is eating into fixed incomes; and downsizing, aging in place, or tapping into home equity all feel like high-stakes decisions. Almost 80% of Canadians over 55 say their savings and pensions aren’t enough. (Source: Home Equity Bank Ipsos Survey) According to this same survey, half of respondents believe home equity is crucial for retirement—yet 76% feel pressured to downsize even if they’d rather not trade their garden for a balcony (or their favourite hairdresser for whoever’s closest to the condo). What they don’t need: A one-size-fits-all sales pitch from someone who thinks “retirement” means early-bird specials and Sudoku marathons. What they do need: A mortgage broker who listens, educates, compares options, and helps them sleep at night—not just sign on the dotted line. The Missing Link: Transactional vs. Conversion Sales Traditional mortgages are what we call commodities, sold using a transactional method. In this approach, the need is obvious—the customer wants a mortgage—and the focus is on competing for the best price and terms. It’s fast, efficient, and, let’s be honest, a little impersonal. It’s the classic hammer-and-nail approach: every client looks like a nail, and the broker just keeps swinging rates and terms until something sticks. That may work for a first-time buyer chasing the cheapest five-year fix—but for seniors? It’s about as effective as putting a Band-Aid on a broken arm. The 55+ demographic doesn’t want a hammer. They want a conversation. They want to understand how to stretch their pension income, cover rising expenses, and prepare for life’s curveballs—like healthcare costs or home repairs—without feeling like they’re going backwards financially. That’s why this is not a transactional sale; it’s a conversion sale. A transactional sale happens when someone already wants what you’re selling—you’re just facilitating the purchase. A conversion sale, however, is when the client doesn’t yet believe they need or want what you’re offering. You’re not closing a deal; you’re changing a mindset. And that’s the secret sauce for brokers working with older Canadians. You’re not selling debt—you’re offering financial flexibility. You’re helping people reframe home equity from a “last resort” into a retirement resource. How Brokers Can Shift the Conversation Lead with empathy, not economics. Ask about life goals, not loan size. Do they want to age in place, help kids, or reduce financial stress? Start with why, then move to how. Rebrand the conversation. Words matter. “Mortgage” can feel like failure. Try “home-equity strategy” or “retirement cash-flow plan.” You’re not adding debt—you’re unlocking options. Talk cash flow, not contracts. Focus on income versus expenses, inflation resilience, and emergencies. Discuss how home equity can supplement pensions, create predictable, guaranteed income (like our parents had), and—most importantly—boost that all-important sleep score. Include the family. Adult children often play a major role. Involve them early—these are emotional, multi-generational conversations, not just financial ones. Educate, don’t sell. Show examples, calculators, and real-life case studies. Transparency earns trust—and trust is the true currency in a conversion sale. When brokers shift from “rate pitching” to “retirement planning,” they go from hammer-swingers to problem-solvers—and that’s where the real magic (and business growth) happens. What Mortgage Brokers Bring to the Table The broker market is projected to grow at a 5% CAGR through 2030, driven by consumers demanding personalization over cookie-cutter lending. And the reverse-mortgage space just got a serious glow-up. Home Trust Bank has just entered the market, announcing its new Equity Access Reverse Mortgage product at this week's Mortgage Professionals Conference in Ottawa. That brings the total to four active lenders in Canada’s reverse-mortgage space: HomeEquity Bank, Equitable Bank, Home Trust Bank, and Bloom Finance Company. More lenders mean more credibility—or, as I like to call it, street cred for seniors. The kind that lets retirees walk down the street (or the fairway) with a little swagger, knowing their financial toolkit has options. With more players in the mix comes more choice, sharper pricing, and—most importantly—a sense that reverse mortgage products have finally crossed over from “fringe” to financially fashionable.  Reverse mortgages are no longer the “we-don’t-talk-about-that” cousin at the financial family dinner—they’re sitting proudly at the adult table. The product is being normalized—treated as the legitimate, strategic retirement tool it has always been. So, brokers—be honest. Isn’t it time you caught up to the trend? Reverse mortgages have gone from taboo to totally credible. And if your clients still say, “We’re just not reverse-mortgage people,” that’s your cue to help them unpack that posture of financial marginalization. Because what they often mean is, “We don’t want to feel old, desperate, or dependent.” That’s not who they are—and that’s not what this product is. It’s not about retreating; it’s about reframing. Helping them see home equity as strength, not surrender. Because empowering clients to live comfortably, confidently, and cash-flow secure isn’t just good business—it’s the kind of advocacy that gives everyone involved a little swagger. Older Canadians Need Advocates—Not Just Advisors As a spokesperson for this group, I urge brokers to master Equity Literacy—the ability to explain complex tools like reverse mortgages and HELOCs in plain language. It’s about helping retirees access equity wisely, preserve benefits, and create peace of mind. Canadian reverse-mortgage debt reached $8.2 billion in mid-2024—an 18.3% year-over-year increase. (Source: Office of the Superintendent of Financial Institutions - OSFI). Canadians are catching on: their house can help them, not haunt them (could not resist the Halloween joke). Help seniors understand the range of uses for Reverse Mortgages like paying off high-interest debt, helping family through early inheritance or gifting, and supplementing retirement income to maintain independence. And here’s where brokers can really shine—by guiding family conversations about inheritance, housing, and aging in place. According to CMHC’s 2025 Mortgage Consumer Survey, 41% of first-time buyers used a gift or inheritance to cover mortgage costs.  That's up from 30% the year before. Those gifts averaged nearly $80,000. The Bank of Mom & Dad just got promoted to Wealth Management HQ. To the Canadian mortgage broker industry You’re not just in the mortgage business—you’re in the dignity business. You help Canadians stay in their homes, reduce stress, and live comfortably in retirement. With home sales slowing and fewer purchase deals, this is your moment. Building expertise in the 55+ market isn’t just good karma—it’s good business. How to start: educate your database about equity-release benefits and tax-free cash flow; host workshops on “Aging in Place with Equity”; partner with financial planners, lawyers, healthcare providers—and yes, Realtors—to build a holistic approach to retirement housing. Involve adult children in every conversation; they’re tomorrow’s clients. The data says Canadians need you more than ever. And I’ll say it louder: so do I. Let’s make retirement planning better, smarter, and more human—one conversation at a time. So here’s the truth: the 55+ crowd doesn’t need rescuing—they need respect. They’re not clinging to the past; they’re funding their future. They don’t want pity; they want power—and they’ve earned it. This generation built Canada’s equity base—literally—and now it’s time they get to use it wisely, proudly, and on their own terms. Whether that means a new roof, a family gift, or finally taking that long-postponed trip to Italy, it’s not about borrowing money—it’s about buying freedom. So, brokers, financial pros, and anyone guiding retirees—remember: your role isn’t to sell products. It’s to spark possibilities. To help older Canadians move from fear to freedom, from “we’re not those people” to “why didn’t we do this sooner?” Because the real revolution in retirement isn’t about rates or renewals. It’s about reclaiming confidence, creating financially viable futures, and knowing you’ve made a real difference—something your clients will remember long after the ink dries. Trust me, that’s far more gratifying than handing out a 4.99% five-year fixed. I want to know what you think.  Send me your feedback.  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. Sue Don’t Retire…Re-Wire!