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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.
As April marks Autism Acceptance Month, journalists looking to move beyond awareness and into meaningful storytelling have access to a diverse group of experts from the University of Delaware. From innovative health technologies to classroom strategies, mental health support and adulthood transitions, these scholars offer fresh, research-backed perspectives on what it means to support autistic individuals across the lifespan — and why the conversation is evolving. Reimagining Health Through Technology and Inclusion Daehyoung “DH” Lee Assistant Professor Dr. Lee is exploring how technology can close health gaps for individuals with intellectual and developmental disabilities. His work focuses on mobile health apps and wearable devices — including a gamified intervention designed to improve physical, mental and cognitive health outcomes. Story angles: How gamification and wearable tech are transforming health outcomes for autistic individuals The future of inclusive digital health tools Addressing disparities in physical activity and wellness Why Motor Skills Matter in Autism Anjana Bhat Professor A leading researcher on motor development in autistic children, Dr. Bhat has spent years advancing understanding of how motor challenges impact daily life. She was recently named a Catherine Worthingham Fellow for her contributions to the field and for elevating the role of physical therapy in autism care. Story angles: The overlooked link between motor skills and autism Why physical therapy should be part of early intervention New research reshaping how clinicians and families approach care Centering Lived Experience in Education and Development Sarah Curtiss Assistant Professor Dr. Curtiss examines how to build programs that truly support autistic youth by grounding them in lived experience. Her work spans social development, sexuality education, family dynamics and the transition to adulthood — always with a focus on resilience and real-world context. Story angles: Rethinking how schools support autistic students beyond academics Conversations around sexuality education and autism What successful transitions to adulthood really require Preparing Educators for Complex Needs Sarah Mallory Assistant Professor With expertise spanning the School of Education and the Center for Disabilities Studies, Dr. Mallory focuses on preparing educators to work with students who have significant behavioral and academic needs. Her work also includes empowering individuals with developmental disabilities to make self-protective decisions and navigate complex social situations. Story angles: Supporting students with intensive needs in today’s classrooms Teaching self-advocacy and safety skills Training the next generation of special education professionals Mental Health and Systems-Level Support Alisha Fletcher Director, Delaware Network for Excellence in Autism A licensed clinical social worker with more than 20 years of experience, Fletcher leads efforts to support professionals and families across Delaware. Through training and technical assistance, she addresses the mental health and service needs of autistic individuals across settings. Story angles: The growing demand for autism-informed mental health care Supporting families navigating complex service systems Building statewide networks that improve outcomes Why This Matters Now As acceptance grows, so does the need for deeper, more nuanced coverage. Autism is not a single story — it intersects with health care, education, technology, family life and public policy. These experts can help audiences better understand those intersections and highlight solutions that are already making a difference. To contact any of these experts, please email MediaRelations@UDel.Edu.
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How a UF reading program is reaching classrooms worldwide
For more than 25 years, Holly Lane, Ph.D., has been laser-focused on a global educational goal: to ensure that students worldwide have access to information about reading. Her passion project, known as the University of Florida Literacy Institute, or UFLI, has already improved the literacy skills of more than 10 million children. What began as a modest classroom tool now has a Facebook community of over 273,000 members; 18 million online toolbox views; and more than 500,000 instructional manuals in classrooms. And as the UFLI brand gains traction, Lane continues to champion what the acronym means and why the program has been so life-changing. “When you learn to read, you fly,” said Lane, who serves as the UFLI director and a professor of special education at UF. UFLI is an ongoing effort by UF faculty and students to improve literacy outcomes for struggling students by addressing two key areas: reader development and teacher development. The program began in 1998 as a tutoring model for beginning readers working with Lane’s pre-service teachers. The idea was that, if teachers understood how to employ effective, evidence-based practices in a one-on-one tutoring session, they could transfer those skills to their small-group or classroom instruction. However, some teachers struggled to make that transition, so a dedicated small-group lesson model was created. That foundation eventually expanded into a dyslexia support program and caught the attention of a surprising partner, best-selling author and philanthropist James Patterson. Known worldwide for his literacy advocacy and generous support of reading initiatives, Patterson has become a key benefactor for the program. When the COVID-19 pandemic hit, a challenge turned into a breakthrough. UFLI started its Virtual Teaching Resource Hub and, in the first week, about 70,000 teachers visited the site and downloaded materials. The turning point came when a school in St. Augustine reached out to UFLI, asking for professional development. “I said, ‘Well, what if we planned the lessons for you instead of teaching you how to plan these lessons?’” Lane said. What followed was what Lane called her “accidental phonics program.” “They ended the year with the best scores they'd ever seen, better than their pre-COVID scores, and that was unheard of,” Lane said. That success led to an effective district-wide pilot in Alachua County with 21 elementary schools. UFLI leaders decided to publish the contents of the program and create a manual that individual teachers could purchase. This concept boomed, and the program even made waves overseas. “Starting with the virtual teaching hub… we had a huge following in Perth and in Melbourne, and now we have an Australian edition of the manual,” Lane said. “We’ve been in every state and every Canadian province and territory, but we're also now in something like 60-some other countries.” Patterson has continued his support by directing efforts toward expanding UFLI’s reach in Florida, aiming to bring the program to every district in the state. Looking ahead, Lane is especially excited about UFLI’s new technology. “We're calling it our assessment and planning portal,” Lane said. “Teachers assess two skills a week, and they enter their data into this program and it spits out small-group lesson plans for the following week that target specific needs of their students.” The data input system is highly advanced, requiring the teacher to simply hold up work in front of a webcam, and the system then reads the student handwriting and imports the data. The program’s structure also ensures that students apply new concepts daily and revisit them regularly. But behind it all is a deeply connected community. For Lane, the success of UFLI boils down to people. “We have an amazing team here,” Lane said. “If anything, that's my superpower, finding really good people who are really good humans but also really good at what they do.” For more information about UFLI, visit ufli.education.ufl.edu.
Expert Insights: Environmental Risk in Times of Regulatory Change & Litigation Pressure
Environmental risks are becoming a central concern for organizations as regulations tighten, public expectations rise, and litigation related to environmental claims grows more common. Companies today must navigate a complex landscape where regulators, investors, and advocacy groups are paying closer attention to how environmental impacts are managed and reported. Recently, J.S. Held published the article, Environmental Claims and Disputes: Navigating Regulatory Change and Litigation Pressure, led by environmental risk and compliance expert Kimberly Logue Ortega. In this article, experts from J.S. Held share practical insights for insurance professionals and legal advisors on identifying environmental risks across industries and preparing for environmental disputes before they escalate. It examines how this increased scrutiny is creating new legal and financial pressures, particularly when organizations fail to comply with evolving regulations or when environmental claims made in public disclosures are challenged. A key issue is the growing focus on corporate environmental statements and sustainability reporting. Businesses face potential consequences whether they overstate environmental achievements, commonly referred to as “greenwashing" or avoid discussing them altogether. Without strong governance systems, clear internal oversight, and transparent reporting processes, organizations may expose themselves to regulatory penalties, legal disputes, and reputational damage. The article emphasizes that effective environmental governance is no longer simply a compliance exercise but an essential part of responsible corporate management. Kimberly Logue Ortega specializes in environmental risk and compliance. With over fifteen years of experience in the areas of environmental and natural resources law, Ms. Logue provides consulting and expert services for industrial facilities and law firms throughout the country. She has extensive experience with assessing and managing potential and ongoing compliance obligations. She routinely supports clients and media on rulemaking and legislative efforts focused on environmental and natural resources issues. View her profile As environmental regulations and stakeholder expectations continue to evolve, organizations that proactively strengthen their compliance frameworks and reporting practices will be better positioned to manage risk and build trust. The full report offers deeper insights into how companies can navigate regulatory change, reduce exposure to environmental claims, and develop stronger governance strategies in an increasingly complex landscape. To explore the topic further, simply connect with Kimberly through her icon below.
Why Brokers Are Canada’s New Mortgage Rockstars
There’s a quiet revolution happening in Canadian mortgage lending—well, as “quiet” as anything can be when two-thirds of Canadians are shouting, “We’d rather deal with a broker than a bank!” According to the most recent Mortgage Professionals Canada (MPC) Consumer Survey, 67% of Canadians now say they’d rather work with a mortgage broker than a bank. Among those who already have? A whopping 81% would do it again. That’s not just a statistic. That’s a standing ovation. The Great Mortgage Broker Boom According to recent MPC data, broker market share reached 33% in 2024—a four-point increase in just two years. Nearly half of all borrowers now choose brokers. The message is clear: Canadians are tired of sales reps; they want advocates who speak human, not policy manual. And who can blame them? With 1.2 million mortgages renewing in 2025 and average payments increasing by $513 a month, people aren’t just rate-shopping anymore—they’re seeking guidance, reassurance, and maybe a bit of hope. Let’s face it: they want their cake and still be able to heat their home too. Why This Matters—Especially for Seniors I work with Canadians aged 55+ every day, and about three-quarters of them are homeowners. They’ve done everything right: worked hard, paid off debt, raised families, and built wealth through their homes. But now, many feel… trapped by them. Here’s the reality: Mortgage renewals are costing hundreds more monthly (some facing 15–20% jumps) Inflation is eating into fixed incomes; and downsizing, aging in place, or tapping into home equity all feel like high-stakes decisions. Almost 80% of Canadians over 55 say their savings and pensions aren’t enough. (Source: Home Equity Bank Ipsos Survey) According to this same survey, half of respondents believe home equity is crucial for retirement—yet 76% feel pressured to downsize even if they’d rather not trade their garden for a balcony (or their favourite hairdresser for whoever’s closest to the condo). What they don’t need: A one-size-fits-all sales pitch from someone who thinks “retirement” means early-bird specials and Sudoku marathons. What they do need: A mortgage broker who listens, educates, compares options, and helps them sleep at night—not just sign on the dotted line. The Missing Link: Transactional vs. Conversion Sales Traditional mortgages are what we call commodities, sold using a transactional method. In this approach, the need is obvious—the customer wants a mortgage—and the focus is on competing for the best price and terms. It’s fast, efficient, and, let’s be honest, a little impersonal. It’s the classic hammer-and-nail approach: every client looks like a nail, and the broker just keeps swinging rates and terms until something sticks. That may work for a first-time buyer chasing the cheapest five-year fix—but for seniors? It’s about as effective as putting a Band-Aid on a broken arm. The 55+ demographic doesn’t want a hammer. They want a conversation. They want to understand how to stretch their pension income, cover rising expenses, and prepare for life’s curveballs—like healthcare costs or home repairs—without feeling like they’re going backwards financially. That’s why this is not a transactional sale; it’s a conversion sale. A transactional sale happens when someone already wants what you’re selling—you’re just facilitating the purchase. A conversion sale, however, is when the client doesn’t yet believe they need or want what you’re offering. You’re not closing a deal; you’re changing a mindset. And that’s the secret sauce for brokers working with older Canadians. You’re not selling debt—you’re offering financial flexibility. You’re helping people reframe home equity from a “last resort” into a retirement resource. How Brokers Can Shift the Conversation Lead with empathy, not economics. Ask about life goals, not loan size. Do they want to age in place, help kids, or reduce financial stress? Start with why, then move to how. Rebrand the conversation. Words matter. “Mortgage” can feel like failure. Try “home-equity strategy” or “retirement cash-flow plan.” You’re not adding debt—you’re unlocking options. Talk cash flow, not contracts. Focus on income versus expenses, inflation resilience, and emergencies. Discuss how home equity can supplement pensions, create predictable, guaranteed income (like our parents had), and—most importantly—boost that all-important sleep score. Include the family. Adult children often play a major role. Involve them early—these are emotional, multi-generational conversations, not just financial ones. Educate, don’t sell. Show examples, calculators, and real-life case studies. Transparency earns trust—and trust is the true currency in a conversion sale. When brokers shift from “rate pitching” to “retirement planning,” they go from hammer-swingers to problem-solvers—and that’s where the real magic (and business growth) happens. What Mortgage Brokers Bring to the Table The broker market is projected to grow at a 5% CAGR through 2030, driven by consumers demanding personalization over cookie-cutter lending. And the reverse-mortgage space just got a serious glow-up. Home Trust Bank has just entered the market, announcing its new Equity Access Reverse Mortgage product at this week's Mortgage Professionals Conference in Ottawa. That brings the total to four active lenders in Canada’s reverse-mortgage space: HomeEquity Bank, Equitable Bank, Home Trust Bank, and Bloom Finance Company. More lenders mean more credibility—or, as I like to call it, street cred for seniors. The kind that lets retirees walk down the street (or the fairway) with a little swagger, knowing their financial toolkit has options. With more players in the mix comes more choice, sharper pricing, and—most importantly—a sense that reverse mortgage products have finally crossed over from “fringe” to financially fashionable. Reverse mortgages are no longer the “we-don’t-talk-about-that” cousin at the financial family dinner—they’re sitting proudly at the adult table. The product is being normalized—treated as the legitimate, strategic retirement tool it has always been. So, brokers—be honest. Isn’t it time you caught up to the trend? Reverse mortgages have gone from taboo to totally credible. And if your clients still say, “We’re just not reverse-mortgage people,” that’s your cue to help them unpack that posture of financial marginalization. Because what they often mean is, “We don’t want to feel old, desperate, or dependent.” That’s not who they are—and that’s not what this product is. It’s not about retreating; it’s about reframing. Helping them see home equity as strength, not surrender. Because empowering clients to live comfortably, confidently, and cash-flow secure isn’t just good business—it’s the kind of advocacy that gives everyone involved a little swagger. Older Canadians Need Advocates—Not Just Advisors As a spokesperson for this group, I urge brokers to master Equity Literacy—the ability to explain complex tools like reverse mortgages and HELOCs in plain language. It’s about helping retirees access equity wisely, preserve benefits, and create peace of mind. Canadian reverse-mortgage debt reached $8.2 billion in mid-2024—an 18.3% year-over-year increase. (Source: Office of the Superintendent of Financial Institutions - OSFI). Canadians are catching on: their house can help them, not haunt them (could not resist the Halloween joke). Help seniors understand the range of uses for Reverse Mortgages like paying off high-interest debt, helping family through early inheritance or gifting, and supplementing retirement income to maintain independence. And here’s where brokers can really shine—by guiding family conversations about inheritance, housing, and aging in place. According to CMHC’s 2025 Mortgage Consumer Survey, 41% of first-time buyers used a gift or inheritance to cover mortgage costs. That's up from 30% the year before. Those gifts averaged nearly $80,000. The Bank of Mom & Dad just got promoted to Wealth Management HQ. To the Canadian mortgage broker industry You’re not just in the mortgage business—you’re in the dignity business. You help Canadians stay in their homes, reduce stress, and live comfortably in retirement. With home sales slowing and fewer purchase deals, this is your moment. Building expertise in the 55+ market isn’t just good karma—it’s good business. How to start: educate your database about equity-release benefits and tax-free cash flow; host workshops on “Aging in Place with Equity”; partner with financial planners, lawyers, healthcare providers—and yes, Realtors—to build a holistic approach to retirement housing. Involve adult children in every conversation; they’re tomorrow’s clients. The data says Canadians need you more than ever. And I’ll say it louder: so do I. Let’s make retirement planning better, smarter, and more human—one conversation at a time. So here’s the truth: the 55+ crowd doesn’t need rescuing—they need respect. They’re not clinging to the past; they’re funding their future. They don’t want pity; they want power—and they’ve earned it. This generation built Canada’s equity base—literally—and now it’s time they get to use it wisely, proudly, and on their own terms. Whether that means a new roof, a family gift, or finally taking that long-postponed trip to Italy, it’s not about borrowing money—it’s about buying freedom. So, brokers, financial pros, and anyone guiding retirees—remember: your role isn’t to sell products. It’s to spark possibilities. To help older Canadians move from fear to freedom, from “we’re not those people” to “why didn’t we do this sooner?” Because the real revolution in retirement isn’t about rates or renewals. It’s about reclaiming confidence, creating financially viable futures, and knowing you’ve made a real difference—something your clients will remember long after the ink dries. Trust me, that’s far more gratifying than handing out a 4.99% five-year fixed. I want to know what you think. Send me your feedback. Want more insights like this? Subscribe to my free newsletter here, where I share practical strategies, real-world stories, and straight talk about navigating retirement with confidence—not confusion. Plus, all subscribers get exclusive early access to advance chapters from my upcoming book. For Canadians 55+: Get actionable advice on making your home equity work for you, understanding your options, and living retirement on your terms. For Mortgage Brokers and Financial Professionals: Learn how to become the trusted advisor your 55+ clients desperately need (and will refer to everyone they know). This isn't just another revenue stream—it's your opportunity to build lasting relationships in Canada's fastest-growing demographic. Sue Don’t Retire…Re-Wire!
Are you ready for some football?
From its modest beginnings in the late 19th century to becoming America’s most-watched sport, professional football has not only entertained generations but also transformed communities, economies, and culture. Today, the National Football League (NFL) stands as a global brand, symbolizing both the triumphs and tensions of American life. Early Beginnings Professional football took root in the 1890s, when athletic clubs in Pennsylvania began paying players under the table. In 1920, a group of teams formed the American Professional Football Association, later renamed the NFL in 1922. Early decades were marked by instability, but the league grew steadily, and by the 1950s, with the rise of television, football began capturing national attention. The 1958 NFL Championship Game—dubbed the “Greatest Game Ever Played”—cemented football as America’s sport of the future, setting the stage for the AFL-NFL rivalry of the 1960s and the eventual Super Bowl, first played in 1967. Economic Impact Football is now one of the most powerful economic engines in American sports. The NFL generates more than $18 billion annually, with billions flowing into local economies through stadium construction, tourism, and broadcasting rights. Super Bowl weekend alone can inject hundreds of millions of dollars into host cities. The game has also reshaped industries—from sports broadcasting and advertising to fantasy leagues and legalized sports betting. It drives sponsorships, merchandise sales, and jobs connected to media, hospitality, and infrastructure. Social and Cultural Significance Football’s reach extends beyond the field. It has served as a stage for some of America’s most important social conversations—from racial integration in the 1940s, to gender roles in sports media, to the modern debates over player safety and activism. Figures like Jackie Robinson in baseball broke barriers, but in football, trailblazers such as Kenny Washington (first African American to reintegrate the NFL in 1946) helped reshape opportunity and inclusion. In more recent years, high-profile advocacy by players on issues ranging from racial justice to mental health has placed the sport squarely in the middle of national debates. At the same time, concerns about concussions and long-term health risks have fueled public dialogue on workplace safety and medical ethics, echoing issues seen across many industries. A Lasting Legacy Football is more than a game. It has become a unifying tradition—whether through Friday night lights in small towns, college rivalries that galvanize entire states, or Super Bowl Sunday as an unofficial national holiday. Its economic and cultural significance continues to expand, reflecting both America’s passion for competition and its ongoing social evolution. Connect with our experts about the history and significance of professional football in America: Check out our experts here : www.expertfile.com
Jennifer Oldham of ChristianaCare Champions Life-Saving CPR Care
“Whether you’re a brother or whether you’re a mother/ You’re stayin’ alive, stayin’ alive.” Nearly 50 years since this song’s debut, the faint symphony of the Bees Gees’ “Stayin’ Alive” can be still heard around the world, though not only through an ordinary radio or Bluetooth speaker. Some people, like Jennifer Oldham, MSN, RN, CEN, AACC, play the tune in their thoughts when giving and demonstrating rhythmic CPR compressions. The song’s tempo serves as guidance to match the timing of CPR chest compressions. Oldham, a cardiovascular quality and innovation nurse program manager at ChristianaCare’s Center for Heart & Vascular Health, has dedicated the last three decades to teaching others about harnessing the power of CPR to save patients and loved ones. She knows firsthand the miracles CPR can produce. Knowledge is power Community members, health care professionals and students have the ability to save a life thanks to Oldham. She’s conducted dozens of classes and lectures to give nurses and bystanders the tools and confidence to perform CPR in an emergency. Her profound work recently earned her an honor at the American Heart Association’s Delaware Heart Ball. The Heart Association recognized four individuals representing four key tenets or “chambers” — “discovery, advocacy, equity, and knowledge.” Oldham was chosen as the honoree for the Knowledge Chamber for her dedication to empowering others with life-saving education and tools. “Jen Oldham’s work is the heartbeat of our Knowledge Chamber. Her dedication to CPR education reflects the very mission of the American Heart Association – to ensure more lives are saved through awareness and action,” said Ellen Vild, director of the Delaware Heart Ball. “Jen’s story reminds us that knowledge is power, but more importantly, it’s compassion in action. We are honored to recognize her as someone who lives that mission every single day.” Oldham’s colleague Neil Wimmer, M.D., MS, interventional cardiologist and medical director of the Cardiac Catheterization Laboratory, was delighted to see her recognized. “Jen is an amazing colleague and friend who is driven by compassion and empathy. She makes everyone in our state safer, whether they know it or not,” Wimmer said. The gift of life To Oldham, teaching others about CPR is rewarding. She makes a meaningful impact on patients’ lives every day through care, education, emotional support and community connection. CPR is more than just a technique, she said: It’s a lifechanging bond. “In my opinion, performing CPR is one of the most kind and loving acts one person can do for another. It is incredibly intimate … laying hands on someone’s chest and pushing, circulating their blood to save their life,” Oldham said. “What a beautiful gift to give someone — the gift of life, the gift of more time with their loved one.” Walking to save lives The ChristianaCare team and Oldham support heart health as part of the annual Wilmington Heart Walk. Last year they raised over $42,000 for the American Heart Association to fund research and education to help Americans live longer, healthier lives. Oldham has been a co-chair of the event since 2017 and is a strong advocate of the AHA’s mission. Valerie Dechant, M.D., MBA, FACP, chief medical officer of Christiana Hospital, knows the value of Oldham’s efforts in the community. “Jen’s passion for educating the public about acute cardiac emergencies is unmatched,” she said. “With decades of experience and a remarkable ability to translate clinical expertise into clear actionable knowledge, she empowers others to learn to feel confident and prepared in a crisis.”
A new survey conducted by CAA Manitoba found that Manitobans are very worried about the dangerous driving they’ve seen across the province, especially distracted driving and speeding. The study found that 88 per cent of Manitoba drivers feel somewhat or very concerned about distracted driving. According to Manitoba Public Insurance (MPI), distracted driving is now the number one cause of fatalities on Manitoba roadways. “It is no surprise that Manitobans are concerned about the dangerous driving they have witnessed, especially when it comes to distracted drivers,” says Ewald Friesen, manager, government & community relations for CAA Manitoba. “What is most concerning, however, is that currently, Manitoba does not have a specific distracted driving law, which could help deter distracted drivers and increase road safety.” CAA Manitoba’s research indicates that almost half (46 per cent) of Manitobans have admitted to being distracted drivers, while most (63 per cent) have witnessed a close-call collision or traffic violation caused by distracted driving. Most concerning, 13 per cent of drivers reported being directly involved in a collision due to distracted driving. Our research found that more than half of Manitobans believe increasing fines and penalties can discourage distracted drivers. “We know that drivers who text are far more likely to be involved in a crash or near-crash compared to non-distracted drivers,” adds Friesen. “Distractions inside and outside your vehicle can draw your focus away from where it needs to be most.” In addition to distracted driving, speeding continues to be a significant problem in Manitoba, and Automatic Speed Enforcement (ASE) may be an additional tool that has been shown in other jurisdictions to help. Additional research conducted by CAA shows that 82 per cent of Manitobans stated that speeding is also a problem this year. That same study found that 65 per cent of drivers support the use of ASE cameras. In fact, almost three-quarters of Manitobans say that ASE can help deter speeding and slow drivers down. “ASEs can be a valuable tool in positively shifting driver behaviour and protecting vulnerable road users, especially in areas with schools and community centres,” says Friesen. “Photo radar cameras should not be used as a revenue generator but rather as a tool to encourage safe driving behaviours, especially in school zones.” As of right now, Winnipeg is the only municipality in Manitoba with the right to use photo enforcement; however, other municipalities continue to lobby for similar rights. In addition to tools such as ASE cameras, Manitobans support higher fines and harsher penalties or suspensions, especially for repeat offenders. Over half of Manitobans (60 per cent) believe increasing the penalties on repeat offenders is the most effective way to discourage drivers from speeding, especially in school zones or near community centres. “CAA Manitoba continues to advocate for safer roads across all municipalities, especially for vulnerable road users,” says Friesen. “Standardized practices across municipalities regarding distracted driving laws and ASE cameras can help ensure that they are used in a predictable way that improves road safety and reinforces public trust.” For more information about dangerous driving and road safety, visit: www.caamanitoba.com/advocacy Speeding and Dangerous Driving Methodology The online survey was conducted by DIG Insights from March 7 to March 19, 2025, with 500 Manitoba drivers aged 18 and older. Based on the sample size of n=500 and with a confidence level of 95 per cent, the margin of error for this research is +/- 3%.) Distracted Driving Methodology The online survey was conducted by DIG Insights from February 11 to February 21, 2025, with 506 Manitoba drivers aged 18 and older. Based on the sample size of n=506 and with a confidence level of 95 per cent, the margin of error for this research is +/- 3%.)
10th Anniversary of the Supreme Court Legalizing Gay Marriage
The 10th anniversary of the U.S. Supreme Court’s landmark decision in Obergefell v. Hodges marks a decade since same-sex marriage became legal nationwide—a pivotal moment in the advancement of LGBTQ+ rights and civil liberties. This anniversary is newsworthy not only because of the social and legal progress it symbolizes but also due to ongoing conversations around equality, representation, and protection under the law. As the political landscape shifts and new challenges emerge, revisiting the legacy of this decision offers an opportunity to reflect on progress, examine setbacks, and spotlight the voices shaping the next chapter in LGBTQ+ advocacy. Key story angles that may interest a broad audience include: Personal stories from couples and families: Exploring how the decision transformed lives and created new definitions of family, love, and legal recognition. The legal legacy of Obergefell v. Hodges: Analyzing the impact on subsequent LGBTQ+ rights cases and how the precedent continues to be tested in courts. Backlash and resistance: Investigating the rise of anti-LGBTQ+ legislation and rhetoric in the decade following the ruling. Intersectionality within the LGBTQ+ rights movement: Highlighting the experiences of LGBTQ+ people of color, transgender individuals, and rural communities. The global ripple effect: Examining how the U.S. ruling influenced marriage equality movements in other countries. The future of LGBTQ+ rights: Discussing what comes next in the fight for inclusive healthcare, anti-discrimination laws, and gender identity recognition. Connect with our experts about the 10th Anniversary of the Supreme Court Legalizing Gay Marriage: Check out our experts here : www.expertfile.com
Ontarians have spoken, and the results are in. For a second consecutive year, the 2025 CAA Worst Road in Ontario is Aberdeen Avenue in Hamilton. Frustrations with potholes and poor road maintenance have kept this road in the number one spot. It first debuted on the top regional list for Hamilton in 2021 and moved onto the provincial list in 2023. In second and third place are Barton Street East in Hamilton and County Road 49 in Prince Edward County, two roads that have previously appeared on the CAA Worst Roads top 10 list six and seven times, respectively. Both roads are expected to receive significant upgrades and are in the planning stages. "Timely repairs, better communication, quick fixes, pothole funds, and using recycled aggregates are just some solutions to fix unsafe roads," says Teresa Di Felice, assistant vice president of government and community relations, CAA South Central Ontario. "CAA continues to urge all levels of government to prioritize road safety with stable funding to do so." This year, participants nominated over 2,400 different roads from 208 municipalities, up respectively from 2,000 roads from 145 municipalities in 2024 – a 20 per cent increase in roads nominated and a 42 per cent increase in the number of municipalities with roads nominated. Municipalities are responsible for approximately 140,000 kilometres of roads across the province. "For over two decades, the CAA Worst Roads campaign has given Ontarians a voice to spotlight unsafe roads in their communities and push for much-needed repairs,” says Di Felice. "This list provides a powerful snapshot to governments on where to prioritize budgets and move up road repairs, and we know that the public supports these efforts." CAA research shows that 26 per cent of survey respondents expressed dissatisfaction with road work projects, stating that they take multiple seasons to complete. However, 85 per cent are willing to put up with the inconvenience of construction in exchange for long-term improvements. Ontarians shared their primary reasons for selecting a road, with 84 per cent citing potholes, followed by poor road maintenance (77 per cent) and traffic congestion (15 per cent). Ontario's Top 10 Worst Roads for 2025 1. Aberdeen Avenue, Hamilton 2. Barton Street East, Hamilton 3. County Road 49, Prince Edward County 4. Eglinton Avenue West, Toronto 5. Hurontario Street, Mississauga 6. Leveque Road, South Frontenac 7. Highway 50, Caledon 8. Sider Road, Fort Erie 9. Gardiner Expressway, Toronto 10. Sheppard Avenue West, Toronto Worst Roads by Region Toronto – Eglinton Avenue West Hamilton – Aberdeen Avenue Halton-Peel-York-Durham— Hurontario Street, Mississauga Central—7th Line, Innisfil Eastern— County Road 49, Prince Edward County Niagara— Sider Road, Fort Erie North— Panache Lake Road, Greater Sudbury Southwest— Banwell Road, Windsor Western— Dundas Street, London Ottawa— Carling Avenue For the complete list of the 2025 Worst Roads, please visit www.caasco.com/worstroads The Residential and Civil Construction Alliance of Ontario (RCCAO) has verified Ontario's top 10 list. CAA is proud to have RCCAO as a technical partner in the CAA Worst Roads advocacy campaign.
