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Canada's First Lifetime Fixed-Rate Reverse Mortgage: A Game-Changer or Just Another Option?
Every so often, a retirement product emerges that makes even a seasoned boomer take notice and remark, "Well, isn't that interesting?" The Globe and Mail reported that Bloom Finance has introduced Canada's first "lifetime fixed-rate reverse mortgage." What’s a Lifetime Fixed-Rate Reverse Mortgage? A Fixed Rate Reverse Mortgage is a financing option that gives you a permanently locked-in interest rate for as long as you hold the loan—not just for a typical five-year term. This could appeal to many Canadians entering retirement: It means you can unlock tax-free equity from your home without worrying that future rate hikes will eat into your cash flow or erode your long-term plans. What makes this even more appealing is the nature of a reverse mortgage itself. You’re not required to make monthly payments You retain full ownership of your home Your rate simply determines how your balance grows over time. When that rate is fixed for life, it removes one of the biggest sources of uncertainty, allowing retirees to plan confidently, protect more of their equity, and use their home as a stable financial tool rather than a source of stress. In short, a fixed-rate reverse mortgage combines the predictability retirees crave with the flexibility they need—something increasingly hard to find in today’s jittery rate environment. Bloom's New Lifetime Reverse Mortgage: Why People Are Talking Reverse mortgages allow homeowners aged 55+ to access up to roughly 55% of their home's equity without taxes, without monthly payments, and without affecting OAS or GIS. In the past, concerns have centred on the compounded interest and the uncertainty of future rates. Bloom's new Lifetime Reverse Mortgage offering aims to ease this stress by offering a fixed rate for life. Currently, that rate is 6.69%. The rates are a bit higher than other reverse mortgage products on the market. For comparison here are some current rates at the time of publication: Home Trust's (6.44% for a 5-year fixed rate) Equitable Bank (6.54%) HomeEquity Bank's (6.64%) 5-year fixed rates. Looking Beyond the Rates of Reverse Mortgages Bloom's real appeal with this new product is emotional: no more renewal surprises. For retirees on fixed incomes, the stability of a fixed rate feels different. It's like a weighted blanket for your financial nervous system. Think of it as an insurance policy against rising interest rates. And boomers love insurance. We insure our hips, luggage, vacations, eyeglasses, cell phones, and emotions (usually at the spa). So, a mortgage rate that stays stable? Yes, please. But let’s look beyond the mechanics of this product. We need to discuss a force even greater than compound interest: luck. Let's Talk About Luck (aka: The Retirement Wild Card) Here's a truth many boomers seldom admit: financial success isn't only about planning. It's about timing. It's about circumstance. And yes… pure, unfiltered luck. As humans — especially we entitled boomers — we tend to overemphasize our achievements and downplay our faults. And let's be honest: we don't like admitting when we're wrong. Society often rewards the strong and wrong more than the weak and right. (If you're unsure, just watch any political panel for 30 seconds.) Even Warren Buffett — the patron saint of rational investing — made a spectacularly poor decision when he bought Dexter Shoe for $433 million in Berkshire stock. The company later became worthless. Buffett described it as the worst deal of his life. If the Oracle of Omaha can make a mistake, the rest of us can certainly recognize how luck has influenced our real estate stories. And oh, did luck influence the boomer journey. We bought homes when they were affordable; when interest rates were character-building, and avocado appliances were peak chic. Then real estate skyrocketed. Homes doubled, tripled, quadrupled. Not because we were geniuses — but because we were standing in the right place at the right time. Let's be even more honest: A boomer's worst day in real estate is a millennial's dream day. We might not like admitting it, but it's true. And yes — boomers get to show off a little because we also carried the burden of our failures: recessions, layoffs, 19% mortgage rates, renovation disasters, and property taxes that still make us weep into our soup. But luck? She was definitely in the room. Now that we've named her, we can begin speaking honestly about how to use the equity we possess — wisely, deliberately, and with eyes wide open. Let's Discuss the Numbers (Because We Ought To) Here's where the real impact happens. Say you're 70 and you take out a $200,000 reverse mortgage at Bloom's lifetime rate of 6.69%. Over 20 years, with compounding interest and no payments, you'd owe approximately $724,000. Now, if you took out a traditional reverse mortgage at 6.54% over those same 20 years (not including rate hikes, though they're likely), you'd owe approximately $707,000. That's a $17,000 difference — not a high price to pay for lifelong comfort. But There Are Trade-Offs The early-exit penalties are steep: · 8% in year one · Decreasing until year five · Then three months' interest thereafter Penalties are waived if you downsize, move to assisted living, or pass away. But if you leave for other reasons? You're responsible for the costs. Translation: Only select this reverse mortgage product if you genuinely plan to stay put. Zooming Out: The Full Menu of Equity Options This lifetime reverse mortgage is just one tool in a broad (and expanding) equity-release toolkit. Others include: ADUs (Accessory Dwelling Units): Build a suite, rent it out, house a caregiver, or create multigenerational living. Offers independence and income potential. Downsizing: The classic move. Big house to small house to building a solid cash cushion. Emotionally complex, financially empowering. HELOCs (Home Equity Lines of Credit): Offer flexible, interest-only repayment options. Manulife One: The Swiss Army knife of HELOCs. Perfect for disciplined retirees. HESA (Home Equity Sharing Agreements): No payments or interest — you exchange future house appreciation for cash today. Traditional Reverse Mortgages: Similar to Bloom in structure but without the lifetime rate. And yes — boomers have more equity-access options than any generation in Canadian history. Not arrogance. Just facts. And increasingly relevant ones. Research shows that 91% of older adults in Canada prefer to age at home rather than move to an institution, with 92.1% of Canadian seniors currently living in private dwellings in the community. Honest Questions to Ask Yourself Before Signing for Any Type of Loan Wondering if you should take the leap? Before you even consider signing anything, pour yourself something warm (or stronger) and ask a few honest questions. · Am I emotionally ready, or just tired of worrying about money? · Am I genuinely content to remain in this home forever, or am I romanticizing the past? · Where are interest rates heading — and how will that affect my comfort level? · What exactly do I need cash flow for — income, essentials, opportunities, legacy, or "finally something for ME"? · Have I thought about how this decision might affect my children and inheritance? · What future choices could this create — or prevent? · And the biggest question of all: if Plan A fails, is Plan B truly realistic… or just wearing yoga pants and pretending? Because here's the real truth: the happiest retirees aren't the ones who got lucky — they're the ones who used their luck with purpose, timing, and emotional clarity. Bloom's lifetime reverse mortgage isn't a miracle cure, nor is it a trap. It's simply one tool — and for the right person, it provides emotional stability and financial predictability. Here's What Matters Before you sign for a reverse mortgage, HELOCs, or anything else with an acronym and a sales commission attached, here's my professional advice: Get the full picture so you can make decisions that truly work for your life — not merely to meet someone else's sales quota. The "best" financial move isn't the one that appears impressive on a spreadsheet. It's the one that allows you to sleep peacefully at night. The one that grounds you emotionally and supports you financially. Retirement isn't the end of the story. It's the chapter where you finally get to blend strategy with self-awareness, confidence with clarity, and luck with a bit of laughter. And if life insists on being unpredictable? Then outsmart it, outlaugh it, and choose the equity tools that help your future self say, "Nice move." Love, Aunt Equity" aka Sue "Don't Retire… ReWire!!!" Want to become an expert on serving the senior demographic? Just message me to be notified about the next opportunity to become a "Certified Equity Advocate" — mastering solution-based advising that transforms how you work with Canada's fastest-growing client segment.
Newsrooms’ Editing Decisions Under a Microscope
Mark Lukasiewicz, dean of The Lawrence Herbert School of Communication, is featured in the Associated Press article, “In Trump-dominated media world, editing video takes on new significance — as BBC uproar shows.” The article is about high level resignations at the BBC, after filmmakers behind the documentary, Trump: A Second Chance, admitted they spliced together quotes from different sections of the speech Trump made before the Jan. 6, 2021, U.S. Capitol riot to make it seem like he was directly urging violence. Dean Lukasiewicz noted that “every editing decision taken in a newsroom is now under a microscope and can be weaponized for political purposes.”
Expanding Comprehensive Cancer Services to Middletown, Delaware
ChristianaCare’s Helen F. Graham Cancer Center & Research Institute is expanding access to high-quality, comprehensive cancer care for residents in Middletown and nearby communities. These services will be offered at the new Middletown Health Center, now under construction and expected to open in May 2027. “Our vision is to expand and grow our services throughout the region so that more patients can access high-quality cancer care close to home,” said Thomas Schwaab, M.D., Ph.D., Bank of America Endowed Medical Director of the Helen F. Graham Cancer Center & Research Institute. “By bringing our full cancer-care team and advanced technology to Middletown, we can provide highly precise, coordinated treatment while maintaining the same high standard of care our patients expect.” The cancer care services offered at the Middletown Health Center will reflect the same high-quality, comprehensive care provided at ChristianaCare’s Helen F. Graham Cancer Center & Research Institute in Newark. Patients will have access to specialists across all major cancer types, supported by the Graham Cancer Center’s participation in the National Cancer Institute Community Oncology Research Program (NCORP), which brings advanced treatments and clinical trials directly to the community. In Middletown, this means coordinated multidisciplinary treatment planning, advanced radiation therapy, infusion services, consultations with oncologists and surgeons, nurse navigation, supportive care, clinical trial participation and both in-person and virtual visit options. Advanced Technology Enhances Precision and Comfort When services open in Middletown, patients will have access to advanced radiation therapy using the Varian TrueBeam linear accelerator, one of the most sophisticated radiation therapy systems available. TrueBeam delivers highly precise, image-guided treatments for a wide range of cancers, allowing physicians to target tumors more accurately while minimizing radiation to healthy tissue. “The TrueBeam system represents a major step forward in how we deliver radiation therapy,” said Adam Raben, M.D., chair of Radiation Oncology at ChristianaCare. “Treatments that once took 30 minutes can now be completed in just a few minutes, with real-time imaging ensuring precision. This means better tumor control, fewer side effects and a more comfortable experience for patients.” A Growing Community with Expanding Health Care Needs Middletown is one of Delaware’s fastest-growing communities, with its population projected to rise 8% by 2029, nearly twice the statewide rate, according to the US Census Bureau. Since 1990, the town’s population has grown more than 550%, and the number of residents age 65 and older has increased 24% since 2020, driving demand for accessible, high-quality health care. With continued growth and an aging population, cancer service demand in Middletown is expected to increase by 11% over the next decade, according to health care forecasts from Sg2, a Vizient company, underscoring the need for expanded local care options. Expanding Access to Meet Future Cancer Care Demand By expanding services in Middletown, ChristianaCare is responding to both the region’s population growth and the increasing need for cancer care. The new site will help patients receive timely diagnosis and treatment while reducing travel time and improving coordination with the full Graham Cancer Center team. “As our community grows, so too does the need for locally accessible, state-of-the-art cancer services,” said Schwaab. “This expansion represents a pivotal investment in the health of the Middletown—Odessa—Townsend corridor and beyond.” $92 Million Investment in Middletown’s Health The $92.3 million Middletown Health Center reflects a deep investment in the health and vitality of the state. It is part of ChristianaCare’s larger plan, announced in July 2025, to invest more than $865 million in Delaware over the next three years. In addition to cancer care, the Middletown Health Center will offer a full range of services, including primary and specialty care, women’s health, behavioral health, cardiovascular care, pediatrics, neurology, imaging, diagnostics and lab testing. The center’s healing environment will also include walking trails and abundant natural light, making high-quality, convenient and coordinated care more accessible and welcoming for patients and families. The 87,000-square-foot Health Center will be located at 621 Middletown Odessa Road, next to ChristianaCare’s existing freestanding emergency department.
Experts share practical guidance for a healthier, happier holiday season
The holiday season is a time of tradition, connection and celebration – but it also brings its own set of challenges, from food safety concerns to emotional stress. University of Delaware experts are available to speak with reporters and provide practical, research-backed guidance to help audiences make the most of the season. Avoid common food safety mistakes Holiday meals are a centerpiece of celebration, but preparing them safely is essential. Diane Oliver, UD Health and Well-being Extension agent, has identified the top five mistakes people make when handling and preparing turkey – and how to avoid them. She can offer timely food safety tips to ensure families enjoy their meals without risk. Protect your mental well-being The holidays can stir up complex emotions as families come together. UD psychology professors Franssy Zablah and Zachary Meehan can provide expert insight into how to maintain mental wellness, manage stress, and set healthy boundaries during holiday gatherings. Find genuine holiday joy Beyond checklists and shopping, how do people actually experience lasting happiness during the holidays? Assistant professor Amit Kumar can share research-backed strategies on pursuing meaningful, authentic joy rather than fleeting holiday pressure. Preserve your decorations for years to come Family ornaments and decorations often carry sentimental value. Art conservation expert Debra Hess Norris can explain how to properly store and care for holiday decorations so they remain vibrant and intact year after year. Connect with these experts All of these University of Delaware experts are available for media interviews and commentary. Reporters and editors interested in speaking with them can reach out to mediarelations@udel.edu for a quick response and support.
Is Your Phone About to Ruin Thanksgiving Dinner?
Thanksgiving is supposed to be about connection. But for a lot of families, the quiet guest at the table is everyone’s phone. Licensed marriage and family therapist Gaea Woods says the damage rarely comes from one big fight about tech. It’s the drip of small moments: someone telling a story while another person scrolls, a partner checking notifications mid-sentence, a teen disappearing into their screen. “Every time that happens, the signal is: my phone has part of my attention right now,” Woods explains. “Over the course of a holiday, that can add up to people feeling unseen or unimportant.” Instead of laying down hard-and-fast “phone rules” for the whole family, Woods suggests starting with your own intentions and leading by example. One simple move: say it out loud. “I’m going to leave my phone in the other room so I can focus on being present and spending time with you all. I invite you to do the same.” “There’s no pressure, no shaming,” Woods says. “You’re naming what matters to you and opening the door for others to join you.” Woods emphasizes that the goal isn’t perfection. It’s micro-moments of presence: a few minutes of eye contact, one conversation where everyone’s really listening, a shared laugh that isn’t about something on a screen. “Most families don’t need another rule,” she says. “They need a way to say: I care about you, and I want more of you here with me right now. Thanksgiving is a beautiful time to practice that.” About the Expert Gaea Woods is a licensed marriage and family therapist who helps couples and families navigate communication breakdowns, digital “third-wheel” dynamics, and everyday phone habits that quietly erode intimacy - especially during high-stress times like the holidays. Gaea is part of the Offline.now Relationship Stress expert community.
Why TikTok Keeps You Scrolling: Baylor Research Explains the Science Behind Social Media Addiction
Why is it so hard to stop scrolling TikTok? A new study by Baylor University marketing professors and social media researchers James A. Roberts, Ph.D. and Meredith E. David, Ph.D., reveals that the answer lies not only in the app’s content, but in its design. Their research, published in the journal Cyberpsychology, Behavior, and Social Networking, is among the first to compare the technological affordances – the built-in design features that shape user behavior – of three leading short-form video (SFV) platforms: TikTok, Instagram Reels and YouTube Shorts. The findings reveal that TikTok’s combination of ease of use, highly accurate recommendations and surprising content variety creates a powerful recipe for user engagement – and, in many cases, addiction. The power of effortless design In their study, Roberts and David had participants rate each platform on three key technological affordances: perceived effortlessness, recommendation accuracy and serendipity (the element of surprise) and answer questions measuring their levels of social media engagement and addictive use. The results were clear: TikTok scored significantly higher than Instagram Reels or YouTube Shorts across all categories. Users in the study said TikTok required the least effort to use, delivered the most relevant videos and surprised them most often with unexpected but enjoyable content. “It’s the combination of all three that keeps people scrolling,” David said. “But the prerequisite is effortlessness. Without that ease of use, the other two wouldn’t matter as much.” TikTok’s seamless experience – where videos begin playing automatically the moment the app opens – creates a sense of immersion unmatched by competitors. Other platforms require users to click or select a video before viewing begins, a subtle difference that nonetheless makes TikTok feel faster and more intuitive. Engagement becomes addiction The study found that TikTok’s technological affordances indirectly increase addiction by first increasing engagement. The more users engage, the more likely they are to lose track of time – a phenomenon known as time distortion. David said this design is no accident. “TikTok’s algorithm is intentionally created to be addictive,” she said. “Their own materials acknowledge that users can become hooked after less than half an hour on the app.” She noted that even users who recognize these patterns often underestimate how long they spend scrolling. “We all need to be more cognizant of our time on these platforms,” David said. “Check your phone’s screen-time data – you may be surprised.” Implications for users and policy Beyond individual awareness, the researchers point to the broader social impact of overuse – particularly for young people. Excessive time on short-form video apps can erode attention spans, foster expectations for instant gratification and displace face-to-face interaction. “These platforms are designed to hold our attention,” David said. “But the opportunity cost is huge. The more time we spend scrolling, the less time we have for the activities that build real connection and meaning.”
Detecting Fraud Using Emerging Technology: Innovating Beyond Traditional Controls
Fraud and financial crime are evolving at a pace that challenges even the most established detection systems. From cyber-enabled schemes and complex financial misappropriations to subtle internal manipulations, traditional audit and compliance methods are often too slow or too narrow to keep up. In a world where billions of data points can hide a single irregularity, the investigative advantage now lies in speed, intelligence, and technological adaptability. J.S. Held’s Ken Feinstein recently authored an article exploring how artificial intelligence, machine learning, and advanced data analytics tools are transforming how organizations uncover and prevent fraud. In his piece, “Detecting Fraud Using Emerging Technology: Don’t Be Afraid to Innovate,” Feinstein illustrates how the integration of digital investigation techniques — from automation to predictive analytics — is reshaping the fraud-detection landscape, helping companies not just react to wrongdoing but anticipate and deter it. Ken Feinstein specializes in investigative data analytics and has over 25 years of experience. He provides data analytics solutions spanning multiple sectors, including retail and consumer products, life sciences, technology, financial services, and industrial products. His clients include law firms and Fortune 500 legal and compliance teams for whom he delivers large-scale, complex investigations, regulatory response matters, proactive anti‐fraud efforts, and compliance programs. View his profile here Why This Matters As fraudsters exploit digital tools and globalized networks, detection efforts must evolve in kind. Regulators expect faster, data-driven investigations, and boards demand real-time risk visibility. Those who innovate with AI-enabled detection and forensic analytics are better positioned to protect assets, reputation, and shareholder trust. Looking to know more? Connect with Ken Feinstein today by clicking on his icon below.
Ready or not, winter weather has decided to make an early cameo! So, the question is: are you actually ready for winter driving? CAA South Central Ontario (CAA SCO), Ministry of Transportation of Ontario (MTO), Ontario Provincial Police (OPP), and Toronto Police Service (TPS) have joined forces to encourage Ontario drivers to get ready now for the cold and snowy weather, before the next unexpected snow event hits. “Now is the ideal time for motorists to install winter tires, check their car battery, and ensure they have an emergency car kit packed,” says Nadia Matos, manager of external communications, CAA SCO. “These simple steps can help motorists confidently navigate winter roads. Ontario weather can be unpredictable, and snowstorms can hit without much notice, so it’s always best to ensure your vehicle is prepared beforehand.” Besides vehicle preparedness, driver behaviour is just as critical in ensuring safe driving operations in winter weather. “Road safety is everyone’s responsibility,” says Sergeant Murray Campbell of the Toronto Police Service. “As daylight hours shorten and visibility decreases, we encourage all road users to stay alert, watch out for one another, adjust their driving to match weather conditions, keep their vehicle lights on, and plan ahead to accommodate longer travel times.” This year, the organizations are focused on protecting motorists who may be caught in unexpected winter weather. “We always encourage motorists to drive according to the road and weather conditions,” says Sergeant Kerry Schmidt of the Ontario Provincial Police. “Drivers should also slow down and move over when approaching stopped emergency vehicles and tow trucks with their emergency lights flashing while they are assisting vehicles and motorists in need of help. It is also unsafe and illegal to try to pass a full echelon of snowplows that are clearing all lanes of a highway during winter events.” Before heading out on the road this winter, MTO encourages motorists to download and use the 511 app to check the weather and road conditions before they leave home. The 511 app can be found at 511on.ca or in the app store on their mobile devices. For a safer trip this winter, motorists can also follow these additional safety tips: • Install winter tires for better traction. On cold and snowy roads, winter tires can help reduce your braking distance by up to 25 per cent. Members can call CAA before Dec. 20 to have our mobile tire service change them at home for a fee. • Test your car battery. If necessary, replace it before it fails. CAA SCO will test Members’ batteries free of cost during a service call. • Pack a fully stocked emergency car kit. The kit should include a flashlight, extra batteries, warning devices (e.g., flares, reflective vests/strips), a first aid kit, blankets, jumper cables, non-perishable food and water, and a phone charger. Be sure to always keep an ice scraper, small shovel, and snow brush handy in your car. • Service your vehicle. Have your brakes checked, oil changed, and top up your windshield washer fluid and any other fluids that are getting low. • Always keep your gas tank at least half full. Cold weather causes condensation in the system, which can lead to a fuel line freeze-up and prevent the car from starting. • Check your lighting system. Ensuring you have full lighting is very important in the winter months. Check your headlights and signal lights to ensure they work correctly.
UF expert answers questions about local risk of bird flu
Consumers may have noticed the rising price of eggs and even some shortages at grocery stores lately due to H5N1 avian influenza, but as cases of human and animal infections continue to rise, how concerned should you be about the virus? Benjamin Anderson, Ph.D., an assistant professor in the University of Florida College of Public Health and Health Professions’ Department of Environmental and Global Health and lead for UF’s Emerging Pathogens Institute bird flu response team answers some questions about the risk of infection to humans and animals from bird flu and how to protect yourself. Who is at risk? Currently, the Centers for Disease Control and Prevention says the risk to humans is low. “That is correct on an overall level,” Anderson said. There is no human-to-human transmission right now. Anderson said that while there have been an “alarming” number of human cases, the number of infections is still fewer than 100. Of those, most have resulted in mild illness and were in people who had direct exposure to infected animals. So far, there has been only one death attributed to the current outbreak of H5N1, known more commonly as bird flu – a man in Louisiana who was infected by a backyard flock. “We do have a lot of people who keep chickens,” Anderson said. “Because of the situation in Louisiana, this has, I think, piqued the concern even more so among folks who might have backyard poultry to recognize that is a potential pathway for transmission.” If you see a dead chicken, do not touch it or try to investigate yourself. Instead, report it to the Florida Department of Agriculture and Consumer Services. Report dead wildlife, including migratory birds, to the Florida Fish and Wildlife Commission. Anderson said while the risk to the public is currently low, the future risk, including human-to-human transmission that could result in a pandemic, is still uncertain. Right now, he said, “Unless you’re handling poultry or working with or near dairy cattle, where bird flu outbreaks have been ongoing, your risk is relatively low.” Can I catch the virus from my backyard bird feeder? Gainesville is on a major flyway for migratory birds – a draw for birdwatching enthusiasts, particularly in the winter. This may be how bird flu has made its way into backyard flocks, since infected migratory birds shed the virus in their waste. So far, there is no data that suggests bird feeders could pose a significant transmission risk to people, and no reported human cases of bird flu have been traced to feeders. “However, when I say there’s no data, that means there’s no data. It hasn’t been investigated,” Anderson said. Waterfowl such as ducks and geese are more likely to carry the virus than songbirds. But if backyard birdwatchers are concerned, he said, take precautions such as wearing gloves and disinfecting bird feeders. And whether there’s an elevated risk of bird flu or not, always take care to avoid touching bird feces, which can contain salmonella. “Using some common sense, good hygiene practices, is going to be an effective way of protecting yourself,” he said. Are my outdoor cats in danger? Outdoor cats are susceptible to bird flu through exposure to dairy cattle, wild birds and contaminated raw milk. There is also new evidence of some sources of raw cat food being contaminated with H5N1. H5N1 causes severe infection in cats, with neurological symptoms that could mimic rabies. Infected cats may be disoriented, lethargic or disinterested in food. Florida residents can contact the Florida Health Department if they notice these symptoms in their pet. “If you see something unusual, seeking out professional care for that animal is an important thing to do,” Anderson said. As of now, it’s unclear whether cats can transmit the virus to humans, but as it adapts, transmission to other species could become easier and more widespread. What about eggs and poultry from the farmers market? Florida state statutes require sellers to register as a food supplier and meet certain criteria for food handling safety. But the regulations can be unclear to some small, local egg and poultry producers, and others operate under the radar. “I wouldn’t say that if you go to a farmers market, it’s a guarantee that the products you’re buying are produced under the proper regulations,” Anderson said, but the regulations themselves can be unclear. Some things you can do to keep yourself safe are asking the vendor if they’re registered and permitted with the state’s agriculture agency and checking that the products are labeled. Per the statutes, eggs must be refrigerated at all times between packaging and sale to the consumer. And definitely steer clear of raw milk, which has been tied to several human and animal H5N1 infections and always carries a risk of salmonella. “Don’t drink it, and don’t give it to your animals,” Anderson said. Is there a vaccine? How else can I protect myself? There is a vaccine for bird flu. While it isn’t currently being administered to humans in the U.S., Anderson said some agriculture workers in Europe have received it. “There is a potential justification for starting to release some of the stock of the H5N1-specific vaccine,” but it would come with tradeoffs, he said, such as maintaining stockpiles and keeping the vaccine matched well to an evolving virus. In his opinion, though, it makes sense to start the process now, both to protect workers who are already at higher risk of contracting the virus, and to begin collecting data on how well the vaccine is working. The idea that the U.S. should hold off on releasing a vaccine until bird flu becomes a pandemic is contrary to protecting public health, he said, adding that the tipping point for him was seeing the virus start to show up in backyard poultry. “That’s the rationale that I base my opinion off of,” Anderson said.
Black Friday 2025: Earlier, Bigger and More Digital Than Ever
Black Friday is no longer just a day – it’s becoming an entire season. In 2025, shoppers are starting earlier, spending more and relying heavily on technology to find the best deals. With online shopping now the dominant force, an estimated 71% of consumers plan to browse and buy from their screens rather than stand in long lines. Baylor University consumer behavior expert James A. Roberts, Ph.D., said this year’s sales stretch well beyond Thanksgiving weekend. Top 5 Black Friday Trends from Dr. James A. Roberts Retailers have pushed promotions into early November – and in some cases, late October – creating what many now call “Black November.” And for the true procrastinators, “Desperate in December” is the new reality, with next-day delivery extending holiday shopping right up to the last minute. Even as shoppers plan to spend up to 10% more, they’re extremely price sensitive, Roberts said. Inflation, rising living costs and ongoing economic uncertainty – including concerns over tariffs – are prompting consumers to hunt for deeper discounts and compare prices more closely than ever. That caution is also fueling another trend: increased use of buy-now-pay-later plans. While convenient, Roberts urges shoppers to approach them carefully to avoid overspending. Technology also is accelerating the shift. AI tools and retail chatbots are helping customers track deals and make purchases, while influencers and social media ads continue to shape buying habits. Cost-conscious platforms like Temu and Shein are poised for another strong season. Clothing, electronics and home goods remain top categories, Roberts said, with gift cards still the go-to for last-minute buyers. Walmart, Target and Kohl’s are expected to be the most popular in-store destinations, while Amazon – unsurprisingly – continues to dominate Cyber Monday. Overall spending remains robust. Shoppers are expected to spend roughly $20 billion across online and in-store purchases, split almost evenly between the two. The best bargains will be toys discounted about 25 percent, phones and computers discounted around 30 percent and TVs discounted an average of 23 percent. The typical shopper will spend about $650 this holiday weekend. How to navigate the shopping frenzy Roberts offers some simple advice for navigating the frenzy: Set a budget, stick to it, choose thoughtful gifts and keep the season in perspective. After all, the most meaningful gifts are the ones that show how well you know the people you love. ABOUT JAMES A. ROBERTS, PH.D. James A. Roberts, Ph.D., is The Ben H. Williams Professor of Marketing at Baylor University’s Hankamer School of Business. A noted consumer behavior expert, he is among the Top 2% Most-Cited Researchers in a database compiled by Stanford University. In addition to journal citations, Roberts has often been called upon by national media outlets for his consumer expertise and latest research. He has appeared on the CBS Early Show, ABC World News Tonight, ABC Good Morning America, NBC’s TODAY Show and NPR’s Morning Edition, as well as in articles in The New York Times, USA TODAY, The Wall Street Journal, TIME and many others. Roberts’ research has focused on how individual consumer attitudes and behavior impact personal and collective well-being, including investigating the factors that drive ecologically and socially conscious consumer behavior, the impact of materialism and compulsive buying on well-being and the effect of smartphone and social media use on personal well-being. He is the author of “Shiny Objects: Why We Spend Money We Don’t Have in Search of Happiness We Can’t Buy” and “Too Much of a Good Thing: Are You Addicted to Your Smartphone?”