Experts Matter. Find Yours.
Connect for media, speaking, professional opportunities & more.
April 1st is the one day we all expect to be fooled. Scammers are counting on the other 364
Breaking News: Free Cruise for All Retirees! Congratulations!!! If you are reading this, you have just been chosen for a luxury Caribbean cruise, a $5,000 shopping spree, and a lifetime supply of… well, something vaguely exciting. All you need to do is: Click this link, enter your banking info, confirm your SIN, and maybe your childhood pet's name for good measure. Still reading? Good. Because if that opening gave you even the tiniest thrill, the little flutter of wait, really? You've just experienced exactly what scammers are counting on. APRIL FOOL'S!!! And also: welcome to the world of phishing. Population: way too many of us. Phishing vs. Fishing: A Retirement Skill You Didn't Know You Needed There are two kinds of fishing in retirement. One involves a dock, a thermos of good coffee, and no deadlines at all. The fish might or might not cooperate. That's fine. That's the whole point. The other scenario involves someone trying to steal your identity by congratulating you on a cruise you never booked, a prize you never won, and a windfall that demands your banking details, your SIN, and, just for fun, the name of your first pet. (Buttons. It's always Buttons.) Let's make sure you're fluent in the first kind and bulletproof against the second. Fraud Doesn't Just Happen to Fools Here's something important to say aloud before we proceed. Fraud isn't caused by people being careless, gullible, or old. It is orchestrated by professionals whose full-time job is to manipulate human behaviour under pressure. There is a clear difference between these two, and how we discuss fraud influences whether victims come forward or stay silent out of shame. This issue is more significant than most realize. Canadians lost over $638 million to fraud in 2024, an increase from $578 million the previous year, according to the Canadian Anti-Fraud Centre. However, that figure only tells part of the story. The CAFC estimates that just 5 to 10 percent of total fraud losses are ever reported. Think about that for a moment. The number we see is already staggering, and the real total is almost certainly ten times higher. Seniors make up a disproportionate share of those losses, especially in investment fraud, romance scams, and the grandparent scam. But here's the part the statistics don't show: fraud is improving at its craft. These aren't the poorly written emails of 2005. Today's scams are refined, patient, and psychologically targeted. They're designed to create urgency, confusion, and fear — aiming to override careful thinking precisely when it's needed most. So let's talk about what that actually looks like. A Very Personal Fraud Story That Will Stay With You A family reached out to me recently, after reading one of my earlier posts on fraud and seniors. Their father had been the victim of a prolonged scam, one that unfolded over months and caused significant financial damage. They only found out after he passed away. Three things about this story stopped me cold. First, their father kept meticulous records. He journaled every interaction, every step, every decision. There was essentially a play-by-play account of how he became entangled and how difficult it became to find a way out. Second, he was an intensely private person. Not a single family member knew any of it was happening while it was happening. Third, he was a chartered professional accountant. Decades of financial training, discipline, and experience. Someone who understood numbers, risk, and how money moves better than most people ever will. And still. Under the right conditions, with the right psychological pressure applied at the right moments, he was drawn in. That is not a story about a foolish man. That is a story about how sophisticated fraud has become. And it is a story that is playing out in living rooms and email inboxes across this country every single day. Why Seniors Are Targeted (And It's Not What You Think) Scammers don't just go after older adults because they think we're naive. They go after us because we have assets. Savings. Home equity. Good credit. Pension income that actually shows up every month. We're not easy targets; we're valuable ones. They also go after us because retirement can come with conditions that fraud is specifically designed to exploit: financial anxiety about making savings last, changes in how we process decisions under pressure, and, for many, reduced opportunities to run something by a trusted person before acting. Social isolation is not a character flaw. It is a vulnerability, and the people running these operations know exactly how to use it. The Scams You Actually Need to Know About The Grandparent Scam. You get a call. It's your grandchild. They're in trouble, arrested, in an accident, stranded, and they need money right now. Please don't tell Mom and Dad. The caller may not even sound exactly right, but panic has a way of filling in the gaps. Sometimes a fake lawyer or police officer jumps on the line to add credibility. The script is designed to bypass your rational brain and go straight for your heart. If this ever happens: hang up. Call your grandchild directly on a number you already have. Every time. The CRA Impersonation Call. This one is especially popular at tax time. An official-sounding voice informs you that you owe back taxes and if you don't pay immediately via e-transfer or gift cards, a warrant will be issued for your arrest. The Canada Revenue Agency does not call you out of the blue demanding gift cards. Full stop. If you're ever unsure, hang up and call the CRA directly as 1-800-959-8281. The Romance Scam. Someone finds you online, charming, attentive, almost too good to be true. Weeks or months in, a crisis emerges. Could you help, just this once? These scams are emotionally brutal and financially devastating. If an online relationship moves unusually fast and a financial request follows, that's not love. That's a script. The Investment Opportunity. Guaranteed returns. Exclusive access. Limited time. These words belong together the way "healthy" and "deep-fried" don't. Legitimate investments don't come with countdown clocks. Phishing Emails and Texts. These mimic your bank, Canada Post, Service Canada, Amazon, and anything you'd recognize. They look almost right. The email address is a little off. The link goes somewhere slightly wrong. They want you to click, to enter information, to act now before something bad happens. The urgency is the tell. No Shame. Seriously. None. If this has happened to you, or someone you love, please hear this: falling for a scam does not mean you are getting old, losing it, or slipping cognitively. It means you are human and were placed under carefully engineered psychological pressure by someone who practices this for a living. That is it. The end. And if you need a reminder that this crosses every age and profession, consider the case of a retired district court judge who lost the equivalent of over $100,000 to a digital arrest scam. Fraudsters called claiming his phone number was linked to a trafficking investigation. Despite decades on the bench watching deception unfold in real time, fear and intimidation did what all that professional knowledge could not protect against. A judge. Still got hooked. That is what these scams do when they are built well. (Source: Devdiscourse) RCMP Sergeant Guy Paul Larocque of the Canadian Anti-Fraud Centre puts it plainly: "Fraudsters are professional salespeople who work a target until they close the deal and get their money." That framing matters. You would not blame yourself for being sold something by a skilled salesperson operating under false pretenses. This is no different. The embarrassment is real and completely understandable. However, it does not fairly reflect what occurred. The CAFC has pointed out that many individuals feel ashamed of being victims of fraud and hesitate to report it, but every report helps break up fraud schemes and protect others. Reporting to the Royal Canadian Mounted Police is not a sign of failure; it is a vital way to safeguard the next person. A Word to Family Members re: Fraud: Drop It Like It's Hot If someone you care about has been scammed, put down whatever you are holding, take a breath, and read this carefully. Do not scold them. Do not lecture them. Do not "grandsplain" them into the ground. Grandsplaining, for the uninitiated, is mansplaining for the aged, and it is just as unwelcome. Nobody needs a slow, patient, thoroughly detailed breakdown of everything they should have done differently while they sit there wishing the floor would open up and swallow them whole. They already know. They feel terrible. They have probably been replaying every moment of it since it happened, asking themselves how they missed it, why they trusted it, and what they were thinking. What they do not need is you asking those same questions out loud. Your role at this moment isn't to be the smartest person in the room. It's not to claim you would never have fallen for something like this. And it's certainly not to start a sentence with "well, I always said you should..." because if you finish that sentence, you're on your own. Your job is to be kind. Full stop. Help them contact the bank. Sit with them while they file the report. Make the tea. Handle the phone call they are too rattled to make. Be the calm in the room. That is what love looks like in a crisis, and this is a crisis. Now here is the part where the tables turn, so pay attention. Scammers are not ageist. They are not sitting in a room somewhere saying, "Let's only go after the over-65s today." They go after anyone with money, a phone, and a moment of distraction. Which means they go after everyone. Your inbox is not immune. Your judgment under pressure is not immune. Your "I would never fall for that" confidence is, frankly, exactly the kind of thing scammers count on. Fraud can happen to anyone, and sharing your experience with others, whether or not money was lost, can help prevent them from being victimized by the same or a similar fraud. Nobody is too sharp, too young, or too digitally savvy to be targeted. The call is coming for all of us eventually. So when it comes for you, and you call your mother in a panic, wouldn't you rather she answer with warmth instead of a very long "I told you so"? Be nice to her now. Consider it an investment. One day, she might be the one sitting you down for "the talk." And at that point, the only appropriate response is to make the tea and keep your opinions to yourself. What the Experts Say: Practical Tips to Stop Fraud In my book "Your Retirement Reset" (ECW Press: Now available for Pre-Order here), I cover the topic of fraud and scams." I wanted to address this issue in depth because fraud prevention is not a footnote in retirement planning. It belongs front and center. Here is an excerpt of Chapter 9 of the book: "Remember the old saying, 'Nothing ever comes free'? While it is hard for many seasoned Canadians not to trust a caller, unfortunately, that's the way of the world today. Here are some tips for protecting yourself. Be skeptical. Be wary of unsolicited phone calls, emails, or messages, especially those asking for personal information or money. Don't take their word for it. Ask the person for their details. If they say they are calling from your bank, get their name and branch number and call your bank for verification. If the message is in an email, contact the institution identified in the email. Do not respond right away, ever. Don't share personal information. Never share personal, financial, or health information with unknown individuals or organizations. Consult trusted individuals. Discuss suspicious offers or communications with family members, friends, or trusted advisors. This is especially important if you are asked to donate to a charity or make any kind of financial investment. Use technology wisely. Install antivirus software, create strong passwords, and stay alert to phishing tactics such as harmful links in texts or emails. Use the block feature on your phone to cut off repeat callers you suspect are fraud artists. Work closely with your financial institution. Ask your bank to send alerts for any unusual activity on your account. Review your statements every month and report unauthorized transactions immediately. Report suspicious activity. If you suspect a scam has targeted you, contact the police. Stay informed. Keep up to date on prevalent scams aimed at older adults. A quick Google search on any unsolicited information request can often tell you whether it has already been flagged. These scams are frequently reported to authorities and featured in the media and on consumer advocacy websites." How to Stay Off the Hook When It Comes to Fraud A little friction can be helpful. Scammers depend on speed, on you reacting before you think. The best thing you can do is slow down. Avoid clicking links in unexpected messages; instead, go directly to the company's website by typing it yourself. Call back on a number you find independently, not one provided in the suspicious message. Check email addresses carefully, as a transposed letter can sometimes be all it takes. Keep your devices updated, since those updates fix real vulnerabilities. Discuss these topics openly. With your kids, friends, book club, or the person behind you in the coffee line. Scams flourish in silence and shame. Talking honestly is one of our strongest protections. In retirement, urgency belongs in spin class. Not your inbox. What to Do If You Took the Bait No judgment here. These scams are truly sophisticated. Smart, experienced, financially educated people fall for them, as we've just established. If you think you've been scammed, stop engaging immediately, change your passwords, contact your bank to flag or freeze your account, run a security scan on your device, and report it to the Canadian Anti-Fraud Centre at 1-888-495-8501. Reporting matters even if you cannot recover the money. It protects the next person in line. Think of it as cutting the line before the fish swims off with your whole tackle box. 3 Things Worth Setting Up This Week to Protect Yourself from Fraud These take 20 minutes and quietly protect you around the clock. Two-factor authentication (2FA) adds a second verification step. It's usually a text code. And it helps ensure that a stolen password alone won't give access to your accounts. Credit Card controls allow you to lock and unlock your debit or credit card instantly through your bank's app, so if something seems suspicious, you can freeze it within seconds. Real-time alerts enable you to set notifications for any transaction over a threshold you specify, so if someone is spending your money, you are informed immediately, rather than finding out at the end of the month when the damage is already done. Don't Get Hooked by Fraud. Retirement should be about freedom. The freedom to fish from a proper dock, travel somewhere warm, and spend your money on things that truly bring you happiness. It's not meant to involve fake urgency, suspicious links, or people who want your SIN and the name of your childhood cat. We Need to Do More to Protect Seniors The fraud prevention system in this country, to be frank, hasn't kept pace with the rise of fraud itself. That gap is real, it's growing, and it needs more attention than it currently gets. Meanwhile, the best we can do is stay informed, keep in touch with trusted people, and not let embarrassment prevent us from seeking help or reporting what happened. You worked hard for what you have. You deserve to enjoy it without looking over your shoulder. So enjoy the lake. Take the cruise — a real one that you booked yourself. Spend wisely, live well, and protect what's yours. And if anyone ever tells you that you've won something you never entered? Smile. Wish them a Happy April Fool's. Then hang up. Have a scam story, a close call, or thoughts on what fraud prevention is getting right or getting wrong? I would love to hear from you. Drop it in the comments or send me a note. This is exactly the kind of conversation we should all be having, and the more real experiences we share, the better equipped we all are to protect each other. Sue Don't Retire…ReWire! My Book is Now Available for Pre-Order If this message speaks to you, or to someone you love, I hope you will pre-order a copy of Your Retirement Reset. Available September 8, 2026. Here's the link. And if you love supporting Canadian booksellers, please also check with your local independent bookstore. Most can easily order it for you.
West Michigan Home to Largest Temporary Butterfly Exhibit
We all look for signs of spring that herald the changing of seasons – buds bursting on trees, plants pushing out of the ground, and migratory birds returning. But there is another sure sign of spring, and it takes place annually at Frederik Meijer Gardens & Sculpture Park in Grand Rapids, Michigan – Fred & Dorothy Fichter Butterflies Are Blooming (March 1-April 30). The largest temporary tropical butterfly exhibition in the United States, Butterflies Are Blooming welcomes visitors into the 80-degree, five-story, 15,000-square-foot Lena Meijer Tropical Conservatory that is a paradise for thousands of butterflies flying freely all around. More than 7,000 chrysalides representing over 60 species travel to Frederik Meijer Gardens & Sculpture Park throughout the exhibit's duration from tropical countries including Belize, Brazil, Costa Rica, Ecuador, Kenya, Malaysia, and the Philippines. Steve LaWarre is the Senior Vice President at Frederik Meijer Gardens & Sculpture Park, where his visionary leadership and passion for botanical excellence have been instrumental in shaping Meijer Gardens' stunning landscapes and ensuring operational excellence. View his profile “Butterflies at Meijer Gardens is a quintessential springtime tradition for families across West Michigan and beyond, and we look forward to ushering in the start of our fourth decade of offering this magical tradition,” said Steve LaWarre, senior vice president at Meijer Gardens. Click on the link to learn more: 7,000 butterflies from 4 continents will soon fill Frederik Meijer Gardens, MLive, Feb. 17, 2026 The exhibition also offers guests up-close experiences at butterfly feeding stations, where tropical fruit slices and nectar-rich plants attract the butterflies, and at the Observation Station, where 1,200 chrysalides arrive at Meijer Gardens each week and transform into butterflies and moths. Additionally, the exhibition features vibrant floral displays, including arches of foliage and blooms in varied hues; unique nectar plant varieties; and colorful arrangements of air plants, bromeliads, and orchids. Guests also can visit the butterfly release stations to watch newly emerged butterflies make their debut and take their first flight as the stars of the show. “Guests can partake in everything from an immersive visit to the tropical conservatory with thousands of butterflies overhead, to a butterfly-themed program such as our new Bourbon & Butterflies events this year," said LaWarre. If you are looking to cover spring-related garden stories, including about Butterflies are Blooming, connect with Steve below.
Manitobans are still eager to travel, but how and where they’re going is changing, and so are the risks they may not see coming. New survey findings released as part of CAA Manitoba’s Travel Wise Week show a clear shift toward staying closer to home. Sixty per cent of Manitobans prefer travelling within Canada, while just 20 per cent are planning a trip to the United States. Global uncertainty, rising costs, and changing perceptions about international destinations are influencing those decisions. “We’re seeing more Manitobans choosing Canada because it feels familiar and safe,” said Susan Postma, Regional Manager, CAA Manitoba. “But that sense of comfort can lead people to underestimate the financial risks that can still come with travelling, even within our own borders.” Staying in Canada and Leaving Coverage Behind While Canadians feel confident travelling within their own country, many assume “home turf” means low risk. This misconception leaves millions exposed to unexpected costs when trips don’t go as planned. The survey found that 64 per cent of Canadians did not have travel insurance for their most recent trip within Canada. Provincial health coverage often provides only limited protection when travelling outside your home province, and in some cases, does not cover services such as air ambulances, extended hospital stays, or trip interruption costs. Recent media stories have highlighted Canadians facing unexpected medical bills, emergency transportation costs, or sudden trip changes, all during trips that never left the country. “People are often surprised to learn how quickly expenses can add up if something goes wrong,” says Postma. “A simple injury on a hiking trail or a family emergency back home can turn a short trip into a major financial stress.” With recent geopolitical incidents in Cuba, Mexico and the Middle East, CAA’s Travel Wise Campaign is focused on helping Canadians understand risk, avoid misinformation, and make decisions grounded in facts rather than fear or speculation. Here are some tips: Understand what an “avoid non-essential travel” advisory really means: Travel advisories reflect real-time safety risks, and an “avoid non-essential travel” signal indicates rapidly changing conditions that may change quickly, and support may be limited. Know that advisories can affect your insurance and your exit options: Travelling against government advice can limit your travel insurance, including medical care or emergency evacuation. Coverage must be in place before conditions deteriorate. Flexibility is essential; review cancellation and change policies now: Travellers should proactively confirm cancellation deadlines, refund eligibility, rebooking options for all reservations and understand the limits of credit card protections, employee benefits, and pension coverage benefits. Stay connected to Canada while abroad: Canadians should monitor official updates from Global Affairs Canada and register with the Registration of Canadians Abroad service before departure or while on location if something arises. Rely on reputable sources and be cautious of misinformation online: Canadians should rely on official government sources, established travel organizations, and verified news outlets for travel guidance. Additionally, the CAA Air Passenger Help Guide helps you understand your rights when faced with common flight disruptions, such as delayed or cancelled flights or lost bags. The guide can be found at CAA.ca/AirPassengerHelpGuide. For more information on travel insurance and how to stay protected, visit www.caamanitoba.com/travelwise The online survey was conducted by DIG Insights from September 29 – October 8, 2025, with 2,0210 Canadian travellers aged 25 to 64 who have travelled outside their province of residence in the past three years and plan to travel again in the next five years, out of which 137 travellers were from Manitoba or Saskatchewan. Based on the sample size of n=2,021 and with a confidence level of 95%, the margin of error for this research is +/- 2%.)
Canadians remain passionate about exploring new destinations, but changing global dynamics are reshaping how and where they travel. According to CAA’s Travel Wise survey, more than half of Canadians (51 per cent) now say geopolitical and economic factors, such as instability abroad, a perception of the U.S. as being less welcoming, and rising travel costs, are influencing where Canadians choose to travel. Shifting Destinations and Attitudes Travel patterns are evolving. The survey conducted in 2025 shows that only 22 per cent of Canadians planned to visit the U.S., an 11 per cent drop from 2024. Instead, many are opting to stay within Canada (40 per cent) or explore international destinations. The perception of the U.S. as less welcoming, coupled with rising travel costs and global instability, is prompting Canadians to reconsider their travel plans. "Canadians are adventurous by nature, but today’s travellers are having to make thoughtful decisions," says Kaitlynn Furse, Director of Corporate Communications. "We’re seeing a clear trend toward exploring closer to home and seeking out new international experiences, all while keeping an eye on safety and value." Travel Insurance: A Critical, Yet Overlooked, Safeguard While Canadians feel confident travelling within their own country, many assume “home turf” means low risk. This misconception leaves millions exposed to unexpected costs when trips don’t go as planned. The survey found that 64 per cent did not have travel insurance on their most recent trip when travelling within Canada. “Recent stories have highlighted Canadians facing unexpected medical bills, trip interruptions, and emergency expenses while travelling within Canada, often because they didn’t realize their regular provincial health coverage or credit card benefits had limits,” says Furse. “If something were to happen, provincial healthcare only partially covers you outside of your home, and sometimes, not at all, covering only basic emergency medical services when travelling in another province.” Among those who travelled uninsured, 44 per cent believed coverage wasn’t needed, and 29 per cent thought their provincial government’s health plan would suffice. However, provincial healthcare only partially covers emergency medical services in other provinces, and sometimes not at all. “One of the biggest misconceptions we see is the idea that travelling within Canada comes with less risk,” says Furse. “Unexpected medical costs, trip interruptions and emergencies can happen anywhere, and many travellers are surprised to learn they’re not fully covered.” With recent geopolitical incidents in Cuba, Mexico and the Middle East, Travel Wise is focused on helping Canadians understand risk, avoid misinformation, and make decisions grounded in facts rather than fear or speculation. Here are some tips: Understand what an “avoid non-essential travel” advisory really means: Travel advisories reflect real-time safety risks, and an “avoid non-essential travel” signal indicates rapidly changing conditions that may change quickly, and support may be limited. Know that advisories can affect your insurance and your exit options: Travelling against government advice can limit your travel insurance, including medical care or emergency evacuation. Coverage must be in place before conditions deteriorate. Flexibility is essential; review cancellation and change policies now: Travellers should proactively confirm cancellation deadlines, refund eligibility, rebooking options for all reservations and understand the limits of credit card protections, employee benefits, and pension coverage benefits. Stay connected to Canada while abroad: Canadians should monitor official updates from Global Affairs Canada and register with the Registration of Canadians Abroad service before departure or while on location if something arises. Rely on reputable sources and be cautious of misinformation online: Canadians should rely on official government sources, established travel organizations, and verified news outlets for travel guidance. For many travellers, cancelled or delayed flights remain a top concern. CAA’s Air Passenger Help Guide offers a straightforward resource for travellers facing disruptions. The online survey was conducted by DIG Insights from September 29 – October 8, 2025, with 2,0210 Canadian travellers aged 25 to 64 who have travelled outside their province of residence in the past three years and plan to travel again in the next five years. Based on the sample size of n=2,021 and with a confidence level of 95%, the margin of error for this research is +/- 2%.)
Need a tourism expert? Connect with Florida Atlantic today
Tourism is a cornerstone of both Florida’s and America’s economy. In Florida alone, visitor spending exceeds $100 billion annually and supports roughly one in every ten jobs statewide, making it one of the state’s largest industries. The ripple effect extends far beyond hotels and attractions, fueling restaurants, retail, transportation, construction, real estate, and public tax revenues that help fund infrastructure and services. Nationally, tourism contributes hundreds of billions to U.S. GDP each year and serves as a key indicator of consumer confidence and economic momentum. When travel demand rises or falls, it signals broader shifts in spending behavior, business investment, and workforce stability , which is why tourism remains a critical economic beat for journalists. Peter Ricci is Clinical Associate Professor & Director, Hospitality Management Programs at Florida Atlantic University. He is a hospitality industry veteran with over 20 years of managerial experience in segments including: food service, lodging, incentive travel, and destination marketing and is considered an expert in food service, lodging, incentive travel, and destination marketing. View his profile Peter offers research-based insight into visitor trends, workforce dynamics, and destination strategy. His expertise helps media connect travel patterns to economic impact, providing clear analysis of how tourism shapes Florida’s economy and influences broader industry trends across the United States. Recent media coverage: South Florida Sun Sentinel Peter Ricci, director of the hospitality and tourism management program at Florida Atlantic University’s College of Business, cited the openings of the 801-room Omni Hotel next to the county convention center in Fort Lauderdale, the revamped Pier Sixty-Six Resort nearby and a variety of high-profile events as reasons for promising visitor traffic this year. “South Florida should expect to have a relatively strong 2026 with major events in the area [PGA Tournament, Formula 1, et al] and the Southern White House of Mar-a-Lago enhancing higher average daily rates in The Palm Beaches,” he said by email. “Broward is perfectly positioned to capture demand both to its south and north and I expect that hotels and restaurants will have a good year ahead,” he added. Newsweek "The tariffs, staffing shortage, perception of it being difficult to emigrate to the USA, and any possible anti-USA sentiment all go into the 'ingredients of the soup' as I call it," Peter Ricci, Director of Florida Atlantic University's Hospitality and Tourism program, told Newsweek. South Florida Sun Sentinel This is actually a complicated process behind the scenes, said Peter Ricci, director of the hospitality and tourism management program at Florida Atlantic University in Boca Raton. “Restaurant profit margins are slim, so training and development are often not a part of the process,” he said. “Also, one must recognize that restaurant front-of-house roles are somewhat high-turnover compared to other industries. With higher turnover, there is less likelihood for development of training, knowledge of all the systems (which can lead to dissatisfaction among guests), and a ‘new face’ every time regular guests return to the venue.” The Daytona Beach News-Journal When asked if Florida is experiencing a "restaurant apocalypse," Ricci said, "I don't see that as the case. I don't see it like a disaster, but I have seen more (restaurant) closures the past six months. The reasons include operating costs that are higher than ever in an industry with low (profit) margins to begin with." "Closures are being driven by rising rent, rising costs of labor, rising costs of goods (food, glassware, supplies, cleaning services, deep cleaning surcharges, et al.), and changing consumer habits." Orlando Sentinel Peter Ricci, director of the hospitality and management program at Florida Atlantic University’s College of Business, said he has not heard of hoteliers suddenly losing foreign nationals from their staff. But it’s the confusion that is perplexing many. “I hear frustration and confusion of what changes will occur on a regular basis for owners, operators and managers,” Ricci said. “It’s more of the unknown that’s disconcerting than, ‘I’m now worried about losing workers in my hotel or restaurant.’”
Baby, It's Cold Outside… And That's No Joke for Seniors
How cold is it? • It's so cold I saw a dog stuck to a fire hydrant. • It's so cold my words froze mid-air and my neighbour had to thaw them out to hear what I said. • It's so cold, I just saw a politician with his hands in his own pockets. Okay, I'm joking—but just a bit. Because while I enjoy a good cold-weather quip, hypothermia isn't funny. Currently, this severe Arctic blast is gripping Canada and large parts of the United States, dropping temperatures 20–40°F (11–22°C) below seasonal norms across a 2,000-mile stretch of North America. Nearly 80 million people are under winter storm warnings. Power outages are anticipated. Roads could be impassable. Travel is about as appealing as a root canal in a snowstorm. For many seniors on both sides of the border, this isn't just an inconvenience—it's a real safety risk. The Cold, Hard Stats (Brace Yourself) Looking at the research I couldn't believe what I found: Older adults are more than 5x as likely to die from hypothermia as younger adults (Kosatsky et al., 2015). In the U.S., approximately half of all hypothermia deaths are people over 65 according to data from the CDC. In Canada, adults over 75 are more than 5 times more likely to die from hypothermia than younger adults—and 87% of those deaths happen right in their own homes. (StatsCan Health Infobase ) Read that again. Slowly. Not on frozen lakes. Not stranded on highways. Instead, in familiar living rooms. Sitting on well-worn couches. Beneath afghans crocheted by someone who loved them. Why Your Body Becomes a Cold -Weather Traitor Our bodies change as we age, and not in the fun "I've earned every wrinkle" way. The insulating fat layer under the skin thins. Circulation slows. Metabolism drops like your interest in small talk. Certain medications—prescription and over-the-counter cold remedies—can interfere with temperature regulation and awareness. Your body's thermostat? It's on the fritz. Here's the math: Hypothermia doesn't require a blizzard. It can begin indoors when temperatures fall below 65°F / 18°C. And here's the truly dangerous part: hypothermia affects the brain first. Judgment declines before shivering becomes severe. You don't realize you're in trouble. You just feel "a bit chilly" while your core temperature quietly drops. Stop Acting Your Age! (But Also... Dress as if you know your age) I'm all for embracing life at every stage—hiking to Everest Base Camp at 60-something, teaching Zumba, and that MBA thing at 70, refusing to "act your age." But embracing life in this weather requires wisdom, not bravado. Cold weather brings real risks: • Slips and falls on icy surfaces (and no, we don't bounce like we used to) • Increased risk of heart attack and stroke because cold thickens the blood • Respiratory infections that linger far too long • Frostbite on fingers and toes • Hypothermia that clouds thinking before any alarms sound. The Indoor Survival Guide—Keep Up (Yes, You Can Get Hypothermia at Home) Set the thermostat to at least 68–70°F (20–21°C). This is not a time to be a miser. Heating bills can be expensive, but hospital stays are even more costly. And they don't even give you warm blankets anymore. Layer like a pro. This is not the time for fashion minimalism. Think: • Long underwear or thermal leggings • Pyjamas under clothes • Stockings or tights under pants • Two pairs of socks • Warm boots with good tread (essential for any outdoor ventures) • Shirts layered under sweaters When it's this cold, if you still own leg warmers—congratulations. Wear them. The warmth is worth the call from the '80s asking for them back. Hats indoors are permitted. This isn't a fashion show; it's survival style. You lose a lot of body heat through your head. Emulate your inner Elmer Fudd if you need to. Carbon monoxide alarms are essential & in many areas legally required. When temperatures drop, people get creative—and desperate. Space heaters, fireplaces, generators, kerosene heaters, or (please, dear God, don't) using gas ovens for heat. That last one is about as safe as texting while skydiving. And here's an important PSA: Starting January 1, 2026, Ontario's updated fire code mandates a functioning carbon monoxide alarm on every level of homes that have fuel-burning appliances. Remember to test alarms when you change your clocks for daylight saving time—it's easy to do, and not easy to forget. Block drafts like you're defending a castle. Roll towels under doors, seal windows, close unused rooms, open curtains during sunny days, and close them tightly at night. Check your medications. Ask your pharmacist or doctor if any prescriptions or over-the-counter remedies influence temperature regulation or alertness. Knowledge is power—and warmth. Check Food & Other Supplies. If venturing out feels risky, order groceries for delivery. Services like Voilà by Sobeys, Instacart, PC Express, and many local grocers deliver directly to your door. This isn't laziness—it's smart risk management. Most delivery services are free or inexpensive, especially when compared to the alternative: icy sidewalks, falls, broken hips, or getting stranded in extreme cold while wearing inadequate footwear because "it's just a quick trip." Clear Your Snow. Snow and ice hinder movement. Limited movement results in isolation. Isolation worsens depression and cognitive decline. Clear snow isn't just about safety—it's about dignity. Pro Tip: Protect Your Pipes (and Your Wallet). Winter power outages can mean burst pipes and serious water damage. If you expect a prolonged outage: • Know where your main water shut-off is • Turn it off • Open faucets to drain the lines It feels extreme—until it doesn't. Until you're standing in three inches of water at 2 a.m., wearing your emergency leg warmers. Know or Live Near an Older Adult? Here's Your Cold Weather Action Plan Don't ask if they need help—just do it. Clear the porch. Shovel a path. Salt the steps. Think of it as the winter cousin of snow angels: shovel angels. Be one! When people Are Shut In—Go check in with them. For those stuck indoors, reach out by video, not just text or voice. Seeing someone tells you far more than hearing "I'm fine." Use FaceTime, Zoom, WhatsApp, or Google Meet. Do this with older people you know. Because pride prevents people from asking for help. Shame prevents people from being honest—about empty fridges, sleeping in mittens, or wearing coats to bed. Look for these signs: • Confusion or slurred speech • Shivering—or lack of it (paradoxically dangerous) • Pale or bluish skin • Slow movements or lack of coordination • Extreme fatigue Know When to Call for Help If something feels off, err on the side of safety. In Canada: • Telehealth Ontario: 1-866-797-0000 • Quebec: 811 • Other provinces: Know your local health line If you notice any signs of distress—confusion, chest pain, shortness of breath, severe cold exposure—or if you're unsure, call 911. Cold-related emergencies escalate rapidly. The Culture Shift We Need—Right Now Cold snaps reveal faults in our systems and communities. This is the time to foster a check-in culture: a call, a knock, a cleared walkway, groceries dropped at the door. Preparation matters. Connection matters more. Winter is temporary. The habits we build to take care of one another are not. Be cool—and stay warm out there, friends. Sue Don’t Retire… Rewire! What are your best winter safety tips? Share them—because staying warm is better when we do it together. Want more of this? Subscribe for weekly doses of retirement reality—no golf-cart clichés, no sunset stock photos, just straight talk about staying Hip, Fit & Financially Free.
The health challenges astronauts Butch Wilmore and Suni Williams face after 9 months in space
On June 5, 2024, astronauts Butch Wilmore and Suni Williams embarked on a brief mission to the International Space Station. But equipment failures turned what was supposed to be an eight-day trip into a grueling 9 month spaceflight. This week, Wilmore and Williams finally returned to Earth. While their safe return is cause for celebration, the journey doesn’t end when astronauts touch down on Earth. They now face the significant task of recovering from the physical and psychological toll of long-duration spaceflight. As part of the University of Florida’s ongoing research into astronaut health, Rachael Seidler, Ph.D., a leading expert in spaceflight-associated health changes, is studying the long-term effects of space travel on astronauts’ brains and bodies. Seidler’s research focuses on understanding how the central nervous system and brain structure adapt to the challenges of space travel, as well as how these changes affect performance, balance, and mobility once astronauts return to Earth. “While the physical and psychological challenges astronauts face after returning from long-duration space missions are well-documented, the research we do at UF is helping us understand the intricacies of their recovery process,” said Seidler, deputy director of the Astraeus Space Institute at UF. “By following astronauts like Butch and Suni before, during, and after their missions, we can track how the human body responds to the extreme conditions of space.” Behavioral and Brain Changes Post-Flight Seidler’s research tracks astronauts’ physical and neurological recovery by observing them both during their missions and after they return. "One of the most immediate challenges astronauts face when they return to Earth is mobility and balance. These issues often recover more quickly compared to others, but it takes time for astronauts to readjust to gravity,” Seidler said. "The balance, mobility, and walking difficulties astronauts experience during the first weeks back are typically resolved in a short period, but brain function and structure require longer recovery periods." Seidler’s research indicates that astronauts’ brains exhibit compensation when they return to Earth following spaceflight. This compensation occurs through the recruitment of additional neural pathways in order to return to their preflight performance levels. However, the recovery of brain function is a gradual process. "This brain functional compensation is typically no longer observed within one to six months post-flight," Seidler said. However, not all changes are reversible. "Brain structural changes, particularly related to fluid shifts in space, show little to no recovery even after six months to a year," Seidler said. Two significant structural changes include the brain physically sitting higher in the skull and the expansion of the brain’s ventricles — fluid-filled cavities in the brain — which can increase in volume by 25% or more. These changes are thought to result from the fluid shifts caused by microgravity, and they present long-term health considerations for astronauts. Long-Term Health Effects: Understanding the Impact As Wilmore and Williams embark on their recovery journey, the long-term impact of these changes becomes a critical focus for researchers like Seidler. "The long-term health impacts are crucial to understand because they could affect how astronauts recover and perform in their daily lives post-mission," she said. Seidler’s team at UF is conducting a new study in which they are tracking astronauts for up to five years post-flight to better understand these long-term effects. "We’ve had astronauts in space for up to a year, and we know how to manage their physical health during those missions," Seidler said. "But the effects of space on the brain and body extend beyond the mission, and our work helps inform strategies to manage recovery." Collaborating with NASA and Studying Spaceflight-Associated Neuro-Ocular Syndrome Seidler's work is also part of a broader collaboration with NASA and other scientists to assess astronaut long-term health. The project is particularly focused on Spaceflight-Associated Neuro-Ocular Syndrome, which affects up to 70% of astronauts. This condition involves structural changes to the eye and optic nerve, leading to vision problems that may impact astronauts’ function. "Neuropsychological assessments can help to measure astronauts’ brain health, while studies of the ocular system help identify potential vision issues that may arise during and after long-duration space missions," she said. Simulating Space Conditions on Earth In addition to studying astronauts on Earth and in space, Seidler’s team conducts experiments to simulate the effects of spaceflight on human physiology. The UF lab runs experiments in head-down tilt bed rest studies, which keep participants lying down for weeks to months at a time to simulate the lack of gravity. "This type of study helps us understand how fluid shifts in the body during space travel affect mobility, balance, and brain structure," Seidler explained. "In addition, other publications have reported that astronauts describe that vestibular galvanic stimulation feels similar to what they experience when they first arrive in space and when they return to Earth. We have equipment to induce these effects in the lab." Looking Toward the Future As space missions continue to grow longer and more complex, UF’s research is more important than ever. "We’re studying these issues now to ensure that future astronauts are prepared for the physical and cognitive challenges that await them in deep space," Seidler said.
From Libraries to Heart Health: Marlo Vernon Takes Cardiovascular Care Into Rural Georgia
Marlo Vernon, PhD, associate professor in the Department of Health Management, Economics, and Policy at Augusta University’s School of Public Health, is leading a creative public health initiative designed to improve cardiovascular monitoring in rural Georgia. Through the university’s Rural Obese At-Risk initiative, Vernon and her team are placing blood pressure monitors in local libraries, allowing residents to check them out just like books. The effort addresses a critical access gap in rural communities where preventive health tools are often limited or difficult to obtain. Vernon’s work focuses on the realities facing communities in the South’s so-called Stroke Belt, where overlapping health conditions significantly elevate cardiovascular risk. View her profile “There are significant chronic disease risk factors in this so-called Stroke Belt. We’ve got high obesity rates. We have family history. We have high rates of diabetes and kidney disease and they all kind of feed into each other to really create this cardiovascular health need in our communities. And women, in general, are just at a higher risk for this,” said Marlo Vernon, PhD. Beyond equipment access, Vernon’s research also examines how people understand and manage their health when traditional care options are limited. The library-based model helps normalize blood pressure monitoring while reducing barriers such as travel distance, cost, and limited clinic availability. It also creates opportunities to study how community-based solutions can improve awareness, engagement, and long-term cardiovascular outcomes. For journalists covering rural health, women’s health, chronic disease prevention, or innovative public-health strategies, Vernon offers grounded, real-world insight into how trusted community spaces can play a vital role in addressing persistent health disparities. A full article on this topic is available below. To arrange an interview with Dr. Vernon simply click on her iconnow to set up a time to talk today.
Boxing Day Explained: From Acts of Charity to a Global Cultural Tradition
Boxing Day may be best known today for shopping deals, leftover turkey sandwiches, and the collective decision to stay in pyjamas as long as possible. But its origins are far richer — rooted in charity, social responsibility, and long-standing cultural tradition. Observed on December 26, Boxing Day has evolved over centuries from a day of giving into a uniquely modern mix of generosity, sport, family, and commerce. Where Boxing Day Began The origins of Boxing Day trace back to medieval Britain. Traditionally, it was the day when: Churches opened alms boxes to distribute donations to the poor Employers gave servants and tradespeople “Christmas boxes” containing money, food, or gifts Workers who served households on Christmas Day were finally given time off to celebrate with their own families At its core, Boxing Day recognized service, labour, and the idea that generosity should extend beyond Christmas Day itself. A Day for Workers, Not Just Celebrations Historically, Boxing Day acknowledged the contributions of workers — from domestic staff to tradespeople — reinforcing values of gratitude, fairness, and shared prosperity. Long before modern labour standards, it created a structured moment for appreciation and rest. How Boxing Day Is Celebrated Around the World Today While its charitable roots remain, Boxing Day traditions vary by region: United Kingdom A public holiday Known for major football matches, horse racing, and community events A blend of tradition, sport, and post-Christmas relaxation Canada A statutory holiday in several provinces Widely associated with retail sales, winter recreation, and family gatherings Increasingly viewed as a day to unwind, travel, or spend time outdoors Australia & New Zealand Celebrated during summer Defined by outdoor events, including cricket and sailing A festive, recreational extension of Christmas rather than a recovery day United States Not an official holiday, but culturally familiar December 26 is widely marked by after-Christmas sales, professional sports viewing, and end-of-year charitable giving Many American traditions - holiday bonuses, tipping service workers, and year-end donations - closely mirror Boxing Day’s original emphasis on gratitude and generosity Beyond the Commonwealth In several European countries, December 26 is observed as St. Stephen’s Day, carrying its own religious and cultural significance From Charity to Commerce: A Modern Shift Over time, Boxing Day became synonymous with retail — driven by post-holiday inventory cycles and consumer demand. While some argue this shift has overshadowed its charitable origins, others see it as an evolution rather than a replacement. Notably, many volunteer initiatives and charitable campaigns continue to peak on or around December 26, reconnecting the day with its philanthropic foundation. Story Angles for Journalists How Boxing Day evolved differently across cultures Why Boxing Day is a holiday in some countries but not others The economic impact of December 26 retail activity Boxing Day and labour history How sport became a defining Boxing Day tradition Why generosity peaks at year’s end Why Boxing Day Still Matters Boxing Day sits between celebration and renewal — a moment to acknowledge service, extend generosity, and reset before the new year. Its global staying power lies in its adaptability, reflecting the values and rhythms of the societies that observe it Find your expert here: www.expertfile.com
Tales of Christmas Past: Preserving Your Family History During the Holidays
During past family Christmas gatherings, many of us remember when older relatives regaled everyone with tales about their fascinating life stories, firsthand experiences as an eyewitness to history or simply sharing how favorite family traditions started. So how do you preserve those precious family memories during the holidays? Baylor University oral historians Stephen Sloan and Adrienne Cain Darough have recorded and preserved the oral history memoirs of thousands of individuals through their work with Baylor’s renowned Institute for Oral History, home of the national Oral History Association. Together, the historians share seven simple best practices to help family members begin oral history conversations that enrich recollections of the past and capture your family memories. “The holiday season brings about the opportunity to spend time with family members, especially those you may not be able to see on a frequent basis,” Cain Darough said. “This presents the perfect opportunity to conduct oral histories to capture the stories and experiences of your family and loved ones, to learn more about them, the history of your family, traditions that have been passed down from generation to generation and more.” Seven best practices for preserving your family’s oral history 1. Ask first! Make sure your family member wants their story to be documented or recorded. That is the first – and most important – question to ask, said Adrienne Cain Darough, M.L.S., assistant director and senior lecturer with the Institute for Oral History. Ask first. “Many oral historians have run into the spot where someone says, ‘Oh, my grandpa would be great for that topic,’ and you get there and it's, ‘Grandpa does not want to talk to you.’ So first, make sure they want their story recorded,” she said. 2. Determine the type of recording equipment you want to use. Decide if you want to record your interview with an audio recorder or use a video recording device. It all depends on your needs and comfort level with the technology. For family members who are unable to travel this holiday season, you can include them by capturing their stories using a remote recording platform like Zoom, which became a vital tool for oral historians when COVID struck in 2020. Helpful resources from Baylor’s Institute for Oral History include: How to choose the right digital recorder Oral History at a Distance webinar on the dynamics of conducting remote oral history interviews Remote Interviewing Resources guide (Oral History Association) 3. Research your family member’s life and their timeline to help you formulate your questions. Recording a family member’s oral history is more than just putting down a recorder in front of them and saying, “Talk.” If you’re recording an oral history over Christmas with a family member, are there specific things that you want to know that are related to the holiday? For example, what was Christmas morning like for them as a child? How did your favorite family traditions start? What is their favorite holiday dish? (Maybe they could even share the recipe. “You can finally learn why Nana’s banana pudding doesn’t even have bananas in it,” Cain Darough said.) “Doing your research to try to form those questions will help you get around the reluctance to talk sometimes,” Cain Darough added. “The favorite thing that I love to hear is, ‘Oh, I don't have much to say,’ or ‘I'm not that important.’ And then you sit down with them, and you listen to their stories, and your mind is just blown by the things that they've seen and experienced.” 4. Start with the basics: “Where are you from?” When Baylor oral historians conduct an interview, they generally begin with some life history of the subject, providing important context for historians. “Ask questions early on that are easy for them to answer: a little bit of the backstory, a little bit of where they're from, where they grew up,” said Stephen Sloan, Ph.D., director of the Institute for Oral History, executive director of Oral History Association and professor of history at Baylor. “I want to understand the lens through which they experienced events, and the only way I can do that is, who was this? What was formative in their life growing up? Who spoke into who they were? What did they learn? Where did they go? What did they do? Those are the sorts of things that I would be exploring early in the interview.” One of the questions Cain Darough enjoys asking is, “What did you want to be when you grew up?” “You want to give them something that's very easy and comfortable to talk about,” Cain Darough said. “What was your favorite subject in school, just to see if that was something that continued on in their life. If there's a certain hobby or something that you know that they're affiliated with, when did you learn about that? Tell me more. What's your interest with this? And then they'll get to talking.” 5. Ask open-ended questions – without making any assumptions. With oral history, it is important that you don’t go into the interview with a specific agenda or try to lead anyone to a certain conclusion. “We can do this very subtly by assuming information, but you can't assume anything about their experience with the topic,’” Sloan said. “If we assume information, it could be very far from how they encountered whatever event that may have been. Allow them to relate the ways in which they lived these experiences.” 6. Listen closely. Listening is an important facet of gathering oral history. But historians say you are not only listening for what they're saying, you're also listening for what they're not saying. “Are there things that are being skipped around?” Cain Darough said. “For example, sometimes when you're talking to veterans about their combat experience, it may be the first time that they're reliving or retelling these stories. They need time, and you just have to be prepared for that.” 7. Be patient. It might take your subject some time to warm up to the conversation. “If you're talking to someone who is 80, 90 or even 100, that's a lot of memories that they have to go through, so patience is important,” Cain Darough said. Looking to know more or arrange an interview? Simply click on Stephen's icon or contact: Shelby Cefaratti-Bertin today to connect with Adrienne Cain Darough.
