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MEDIA RELEASE: Provincial Trunk Highway 34 Named the Worst Road in Manitoba
Manitobans have spoken – and the results are in. The 2025 CAA Worst Road is Provincial Trunk Highway 34 (PTH 34) in Central Plains/Pembina Valley, Manitoba. Frustrations with potholes, poor road maintenance, poor road signage and unpaved roads pushed PTH 34 to the number one spot. This marks this road’s sixth appearance on the CAA Worst Roads Top 10 list; however, this is the first time it has taken the top spot. This year also marks a historic first for the CAA Worst Roads campaign – for the first time in its 14-year history, nine out of ten roads on the top 10 list are from rural Manitoba communities. Saskatchewan Avenue, the only Winnipeg road on the list in 2025, has appeared on the CAA Worst Roads list for the last seven consecutive years. "The CAA Worst Roads campaign provides a powerful snapshot to governments on where to prioritize budgets and move up road repairs by giving Manitobans an opportunity to have their say on the difficulties they are experiencing in getting around," says Ewald Friesen, manager of government and community relations for CAA Manitoba, "We saw the proof of this when last year's winner, 18th Street in Brandon, received a swift and coordinated response from governments on the same day the results were released, with shovels in the ground by Fall.” This year’s campaign saw an almost 50 per cent increase in roads nominated, with 723 different roads across 86 municipalities. CAA research shows that 39 per cent of respondents expressed dissatisfaction with road work projects, stating that the roads don’t last long before they must be repaired again. However, 88 per cent are willing to put up with the inconvenience of construction in exchange for long-term improvements. "Manitobans take to this campaign because they are hopeful for change,” says Friesen. “CAA’s annual campaign plays a critical role in highlighting the roads that need urgent attention, providing governments with a better understanding of where Manitobans want these investments made." Half of the roads on the top 10 list are new this year. These include Provincial Road 234 in Interlake, Provincial Road 349 in Westman, Provincial Road 239 in Interlake, 26th Street in Brandon, and Provincial Trunk Highway 12 in Eastman. Manitoba's Top 10 Worst Roads for 2025 1. Provincial Trunk Highway 34, Central Plains/Pembina Valley 2. Provincial Road 234, Interlake 3. Provincial Road 307, Whiteshell 4. Provincial Road 239, Interlake 5. Provincial Road 349, Westman 6. 26th Street, Brandon 7. Provincial Trunk Highway 12, Eastman 8. Provincial Trunk Highway 26, Central Plains 9. Richmond Avenue, Brandon 10. Saskatchewan Avenue, Winnipeg "CAA Manitoba urges all levels of government to prioritize road safety through predictable, year-over-year investment and timely repairs," adds Friesen. “CAA Manitoba will continue to advocate for Manitobans to drive positive change in communities across the province." For more information and historical results, please visit: https://www.caamanitoba.com/advocacy/government-relations/worst-roads
Today, on CAA’s National Slow Down, Move Over Day, the Government of Manitoba, the RCMP and CAA representatives came together at the Manitoba Legislature to remind motorists about the importance of Manitoba’s Slow Down, Move Over law (SDMO), a life-saving law designed to protect emergency responders and roadside workers. “We are pleased that the Manitoba government has proclaimed May 13th as Slow Down Move Over Day to help bring awareness to the laws designed to protect emergency responders, tow operators, and highway workers who are stopped on the side of the road to save lives on Manitoba roadways,” said Ewald Friesen, manager of government relations for CAA Manitoba. Minister of Transportation and Infrastructure Lisa Naylor stated, “Every day, workers risk their lives to keep our roads safe and we are asking Manitoba drivers to take one simple, life-saving action: slow down and move over.” The timing is especially important as Canada Road Safety Week begins on May 13, shining a broader spotlight on making Canadian roads safer for all. CAA has been the leading advocate in Canada to ensure that 'Slow Down, Move Over' laws include tow trucks, along with police, ambulance and fire. "Most drivers tend to slow down and move over for police cars, ambulances, and fire trucks, but this is lower for tow trucks. It's important to always remember that for many, the side of the road is someone's workplace, and everyone deserves a safe place to work. Slow Down, Move Over laws protect our roadside rescuers, and the stranded drivers we serve every day,” reinforced Friesen. CAA’s research shows that Manitobans care deeply about the safety of emergency vehicles, drivers and stranded motorists. Data also shows that 8 in ten CAA Members have heard of the Slow Down, Move Over law, and 99 per cent support it. Just over half, however, know the definition of the law, underscoring that there is still important work to do to help drivers understand exactly what the law requires a driver to do. Over 1/3 of members are not aware of specific penalties, though they do know a penalty exists and 4 in ten Manitobans aged 65 and above are unaware of any penalties. Sergeant Mark Hume, Unit Commander, North West Traffic Services, Manitoba RCMP highlighted, “Violators can be charged under Section 109.1(2) of the Highway Traffic Act ($298 fine) at a minimum. Aggravated circumstances can result in more severe charges.” The consequences of neglecting these laws can be tragic, not only for roadside workers but also for drivers and passengers. The hope is that this initiative will help remind drivers of the importance of safe driving behaviours and encourage everyone to do their part to keep Manitoba’s roads and highways safe. “Through education and awareness of ‘Slow Down, Move Over’ laws, we wish to support drivers in their crucial role in preventing incidents and fostering a culture of care and safety on Manitoba's highways,” continued Friesen. If you see an emergency vehicle or tow operator up ahead, reduce your speed and move to an open lane if it is safe to do so. If the posted speed limit is less than 80 km/h you are required to slow down to 40 km/h. If the posted speed limit is 80 km/h or higher you are required to slow down to 60 km/h. For more information about the Slow Down, Move Over law, visit: https://www.caamanitoba.com/advocacy/government-relations/slow-down The online survey was conducted by via an online quantitative survey with 916 CAA Members in Manitoba between February 3 and February 11, 2025. Based on the sample size of n=916 and with a confidence level of 95%, the margin of error for this research is +/- 3.24%.)
Pope’s Openness Appealed to Other Faiths
Dr. Julie Byrne, Hofstra University’s Monsignor Thomas Hartman Chair in Catholic Studies and chair of the Department of Religion, spoke to several media outlets following the passing of Pope Francis on April 21. She told the McClatchy Newspapers that Francis’ openness helped him become popular among people of different faiths. “The Catholic Church has, at some points, seemed under recent papacies to be more insular and more interested in policing its boundaries and more interested in advocacy for Catholics only,” she said, noting that Francis helped people of other faiths feel advocated for. USA Today News Network talked to Dr. Byrne about Conservatives worrying about Pope Francis’ teachings on morality, attacks on capitalism, and stance on issues like abortion and contraception. The “so-called bedroom issues have always been important to conservatives, and to Catholic conservatives,” Dr. Byrne said. While Francis did not change church doctrine, he showed a willingness to loosen the rules on who should receive Communion or forgiveness for their sins. “When Francis lightens up on that,” Byrne said, “people wonder what’s next.”
Hundreds of nurses and their colleagues at ChristianaCare gathered in a conference room at Christiana Hospital and listened through a livestream across the organization’s campuses and practices for an announcement they’ve been anticipating for many months. “For your commitment to nursing excellence and quality care, we are thrilled to recognize ChristianaCare with its fourth consecutive Magnet designation,” said David Marshall, JD, DNP, RN, chair of the American Nurses Credentialing Center’s Commission on Magnet Recognition. “This accomplishment is a powerful testament to your dedication to the nurses who practice there, the entire health care team, and — most importantly — the patients you serve.” Shouts erupted, balloons and streamers floated up and, in the happy commotion, there was even a little cowbell. As the only four-time Magnet-designated health care organization in Delaware, ChristianaCare has achieved this global recognition — the highest honor in nursing practice — for continued dedication to excellence and innovation, high-quality patient care and experience, nurse engagement and work culture. “Magnet designation recognizes ChristianaCare nurses are simply the best!” said ChristianaCare President and CEO Janice E. Nevin, M.D., MPH. “A fourth Magnet designation is an incredible achievement and reflects the vital importance and commitment of our nurses as we serve together with love and excellence.” ChristianaCare has more than 3,000 nurses, and they make up the largest segment of ChristianaCare’s workforce. ChristianaCare is the largest nonprofit organization and private employer in the state of Delaware. This most recent designation for ChristianaCare includes Christiana Hospital, Wilmington Hospital, ChristianaCare HomeHealth and Community Care Services, through early 2029. What it means to be Magnet “Our fourth consecutive Magnet designation means that our nurses and all of our caregiver colleagues have upheld the ANCC’s very high standards in patient care since our first recognition in 2010,” said ChristianaCare Chief Nurse Executive Danielle Weber, DNP, RN. “That is a long time to bring your ‘A’ game every day — through 15 years of change, including a pandemic — and to sustain growth in professional practice, innovation and culture. Magnet recognition raises the bar for patient care and inspires every member of our team to achieve excellence every day.” The Magnet Recognition Program — administered by the American Nurses Credentialing Center, the largest and most prominent nurses credentialing organization in the world — identifies health care organizations that provide the very best in nursing care, exceptional nurse engagement and professionalism in nursing practice. The Magnet Recognition Program serves as the gold standard for nursing excellence and provides consumers with the ultimate benchmark for measuring quality of care. The ANCC Magnet Recognition Program® has conferred Magnet status to less than 10% of hospitals and health systems in the United States. There are 621 Magnet-designated health organizations internationally. ChristianaCare was the first in Delaware to achieve Magnet designation, in 2010. For nurses, Magnet Recognition means education and development through every career stage, which leads to greater autonomy at the bedside. For patients, it means the very best care, delivered by nurses who are supported to be the very best that they can be. While Magnet is a nursing-led initiative, the designation reflects the work of caregivers across the organization. Magnet redesignation itself is a rigorous process. Health care organizations must reapply for Magnet status every four years and demonstrate adherence to the Magnet concepts for nursing excellence and engagement and measurable improvements in patient care and quality. The ANCC commended ChristianaCare on these exemplars: Advocacy for and acquisition of organizational resources specific to nurses’ well-being. particularly through the Nursing Integrative Care Program. An innovative strategy to address the shortage of certified registered nurse anesthetists in Delaware through a partnership program between ChristianaCare and Wilmington University to launch the state’s first Nurse Anesthesiology program. Outstanding nursing research engagement and growth of the nursing research enterprise especially through the Nursing Research Fellowship in Robotics and Innovation.
#ExpertSpotlight: Give Peace a Chance?
The long-standing conflict between Israel and Palestine has been punctuated by numerous ceasefire agreements, each representing a pivotal attempt to reduce hostilities and lay the groundwork for peace. These agreements are not only crucial to understanding the complex history of this conflict but also serve as lessons in diplomacy, international mediation, and the challenges of achieving lasting peace in one of the world’s most contentious regions. This topic remains of significant public interest as it reflects ongoing struggles for justice, security, and coexistence. Key story angles include: Historical Context of Ceasefire Agreements: Analyzing landmark ceasefire deals, their terms, and the conditions that led to their creation. The Role of International Mediators: Exploring the involvement of global powers, such as the United Nations, the United States, and regional players, in brokering peace. Challenges in Sustaining Peace: Examining why many ceasefires have failed to lead to long-term solutions and the recurring obstacles to peace negotiations. Humanitarian Impact: Highlighting how ceasefires affect civilian populations, including access to humanitarian aid, rebuilding efforts, and displacement. Evolving Dynamics in the Conflict: Investigating how changing political landscapes, leadership, and international relations influence ceasefire efforts. The Path Forward: Discussing ongoing peace initiatives, grassroots efforts, and the role of global advocacy in supporting a just and sustainable resolution. The history of ceasefire agreements between Israel and Palestine offers a profound lens into the complexities of conflict resolution, the resilience of affected communities, and the enduring hope for peace. Connect with an expert about the history of peace attempts in the Middle East: To search our full list of experts visit www.expertfile.com
In another milestone commitment to community health, ChristianaCare today announced a $1.6 million investment in 25 local nonprofits, unveiling the recipients of its Community Investment Fund during a special celebration at The Ministry of Caring in Wilmington. Since 2019, ChristianaCare’s Community Investment Fund has provided more than $5.6 million to 64 organizations, addressing social, behavioral and environmental health factors. ”ChristianaCare is empowering and supporting our nonprofit partners so they can help meet the many needs of the people they serve, and work with us to improve patient health and create healthy communities and a healthy Delaware,” said Bettina Tweardy Riveros, chief health equity officer at ChristianaCare. This year’s recipients received funding to support health improvement initiatives in neighboring communities and address critical issues and community needs. “Each of these recipients is making a significant and positive impact by addressing critical health challenges throughout our communities, including food insecurity, housing insecurity and environmental health. At ChristianaCare, we are honored to be joining forces with these 25 organizations to provide them with more resources so that they do more for those in need. It is another way we care for our community,” she said. The funded initiatives will be implemented throughout the upcoming year and were selected based on the quality of applicants’ proposals and implementation plans, and on the alignment of their proposals with the critical issues prioritized by the community in ChristianaCare’s Community Health Needs Assessment and Community Health Implementation Plan. Recipient Spotlight: Healthy Food for Healthy Kids "The impact of ChristianaCare’s 2024 Community Investment Awards funds on Healthy Foods for Healthy Kids will be felt not only in 2025 but for years to come. This funding will expand our program to an additional school, serving over 600 more students, and support data and research for future growth." Healthy Food for Healthy Kids, Lydia Sarson, Executive Director. Recipient Spotlight: Project New Start “Approximately 85% of the justice-involved individuals served by Project New Start are housing and food insecure. With ChristianaCare’s 2024 Community Investment Fund Award to Project New Start, which began 11/01/24, we have already been able to assist 23 individuals with clothing and household goods; 20 individuals with transportation assistance; 17 individuals with food support; and 7 individuals with housing as of 12/31/24. The impact of these funds cannot be overstated as this investment by ChristianaCare provides Project New Start the means to provide the critical basic needs an individual requires to live with dignity without the trauma of worrying about where they will sleep, how they will eat and how they can sustain employment. We are so grateful to ChristianaCare for their ongoing support.” Priscilla Turgon, Founder and Executive Director of Project New Start, Inc. Recipient Spotlight: YMCA of Delaware - Central YMCA Supportive Housing Program “The Central YMCA Supportive Housing Program, in partnership with Christiana Care, serves low-income men at risk of homelessness who often face trauma, addiction, disabilities or lack of family support. Through stable housing, nutritious meals, welcome packages, rental assistance and supportive activities, the program fosters community wellbeing, improves health outcomes, prevents homelessness and empowers residents to achieve self-sufficiency.” Jimia Redden, Executive Director of Housing. This year’s Community Investment Fund recipients are: • AIDS Delaware: AIDS Delaware’s mission is to eliminate the spread and stigma of HIV/AIDS, improve the lives of those living with HIV/AIDS and promote community health through comprehensive and culturally sensitive services, education programs and advocacy. • Black Mothers in Power: Black Mothers in Power seeks to eradicate racial health disparities for Black birthing people and Black babies throughout Delaware. • Boys & Girls Club of DE: Boys & Girls Clubs of Delaware inspires and enables young people, especially those most in need, to reach their full potential as productive, responsible, caring citizens. • Children and Families First DE: Children & Families First is one of Delaware's oldest and most trusted non-profit leaders in providing the supports and services children and their families need to thrive. • Claymont Community Center - Brandywine Resource Council: Claymont Community Center is a base for a variety of community organizations supporting educational, social, recreational, cultural, personal development, financial and wellness needs. • Delaware Center for Horticulture: The Delaware Center for Horticulture cultivates greener communities by inspiring appreciation and improvement of the environment through horticulture, education and conservation. • Delaware Futures, Inc: Delaware Futures empowers at-promise high school and middle school youth across the state of Delaware by providing year-round, trauma-informed curricula tailored to students at each grade level. • Delaware Nature Society: Delaware Nature Society connects people and nature to create a healthy environment for all through education, conservation and advocacy. • Do Care Doula: Do Care Doula provides grant-funded Doula training and development, subsidized Doula support and a variety of community outreach programs. • Healthy Food for Healthy Kids: Healthy Food for Healthy Kids supports educators in Delaware, bringing life-lasting benefits of gardening and good nutrition to kids. • Jefferson Street Center: The mission of JSC is to advance community-driven priorities in Northwest Wilmington that promote the conditions necessary for all residents to thrive. • Latin American Community Center: LACC seeks to empower members to become contributing members of society through advocacy and offers programs and services to anyone ages of one to 101. • Milford Housing Development Corporation: Milford Housing Development Corporation is a value-driven, nonprofit, affordable housing developer, providing services throughout Delaware. Its mission is to provide decent, safe, affordable housing solutions to people of modest means. • Ministry of Caring: Since Brother Ronald began the ministry in 1977 with the first shelter for homeless women on the Delmarva Peninsula, the Ministry has worked ceaselessly to ease the needs and struggles of our neighbors. • ONCOR Coalition: ONCOR’s vision is to build and promote spaces that connect people to the city and each other. It promotes positive relationships through community-based educational programs and recreational opportunities. • Our Daily Bread Dining Room of MOT: ODB is the only soup kitchen in the Middletown, Odessa and Townsend region. ODB is a volunteer run organization with over 300 volunteers. Volunteers help purchase and pick up food and ingredients, prepare and serve meals and clean and maintain the facility. • Project New Start: Project New Start provides a comprehensive cognitive behavioral change/workforce development initiative for individuals transitioning out of state and federal institutions. • Ray of Hope Mission Center: Ray of Hope’s mission is to recognize and address the needs of those who are struggling within our community and assist them in their efforts to provide for themselves and their families, both physically and spiritually. • St. Patrick's Center: Serving people in Wilmington’s East Side neighborhood since 1971, St. Patrick’s Center is a nonprofit organization that operates a Senior Center, and provides meals, groceries, clothing, paratransit and social service support to the public. • The Resurrection Center: The purpose of the Resurrection Center is to spread the gospel of Jesus Christ and create a spirit-filled environment that hungers for the Gospel and to serve as liberating agents in the midst of the world. • Voices of Hope: Voices of Hope’s mission is to empower lives and foster recovery. The nonprofit is dedicated to supporting individuals and families facing substance use disorder. Through compassion, education and community engagement, Voices of Hope strives to break the chains of addiction, promoting a healthier, brighter future for all. • West End Neighborhood House: At West End Neighborhood House, staff, clients, volunteers and donors work together to resolve complex social challenges throughout Delaware. Through outcomes-driven programming, the West End Neighborhood House provide support that meets community needs in finances, housing, education, employment and family services. • Westside Family Healthcare: Westside Family Healthcare is a community-minded, non-partisan health center located in Delaware. Westside opened its doors in 1988 and has maintained status as a Federally Qualified Health Center since 1994. • Wilmington HOPE Commission Inc.: The Hope Commission is a reentry program that helps formerly incarcerated men return to their community. It offers support services that address factors known to lead to repeat offenses. • YMCA of Delaware: The Central YMCA Supportive Housing Program offers housing for men aged 18 and older. Residents benefit from dorm-style accommodations, discounted access to the fitness center and connections to a range of health and human service providers in partnership with the YMCA.
President Trump’s Quick Executive Order Actions
Hofstra Law Professor James Sample discussed the quick pace of President Donald Trump’s executive order actions in the Newsday article “Legal observers say President Donald Trump’s quick pace could be an advantage.” Democratic state attorneys general and legal advocacy groups have said more lawsuits are on the way as they push back against Trump’s directives. But unlike his first term when he was a Washington novice surrounded by a revolving door of competing advisers, this term he is surrounded by longtime loyalists, who have been publicly anticipating the legal battles to come. “I think the strategy here is to flood the zone with orders and actions, knowing that it will be difficult, if not impossible, for opponents of his policies to stop them all,” said James Sample, a constitutional law professor at Hofstra Law School.
Drops in the Bank of Canada rate will not solve housing affordability.
Summary: The Bank of Canada’s interest rate cuts won’t resolve Canada’s housing affordability crisis. Factors such as skyrocketing home prices, unaffordable down payments, and stagnant wage growth are other primary challenges to address. A personal example offered by the author shows how the price of her Toronto home surged over 1,000% from 1983 and 2024 while her wages during the same period rose only 142%. While some see this issue as a consequence of Baby Boomers remaining in their homes, it's more nuanced than that. We have systemic barriers in Canada that necessitate targeted policy changes. It’s time to tackle affordability and implement effective solutions. The Bank of Canada met today, to determine interest rates for the last time this year. They announced a drop of .50 basis points. This is part of a broader effort to stimulate economic growth in Canada, which faces challenges, especially a softening labor market and persistent inflation. Why Should You Care? Interest rates determine how affordable our debt will be and what return we can expect on our savings. Since mortgages represent most consumer debt, interest rates directly impact affordable housing costs, making them very newsworthy. However, interest rates only tell part of the story. When the Bank of Canada lowers its rate, it primarily impacts variable-rate mortgages. These are tied directly to the BoC's overnight rate, so a rate cut can reduce the interest costs on these loans. Homeowners with variable rates would likely see a reduction in their payments, with more of their payments going toward principal rather than interest. People without debt and savings (primarily seniors) will see a drop in their investment returns. In contrast, fixed-rate mortgages, which are not directly tied to the BoC's rate, are influenced more by the bond market, particularly the 5-year government bond yield. The current trend in bond yields suggests that fixed mortgage rates could also decrease over time. Let’s pause here and talk about the affordability of houses and how interest rates are not the reason housing is out of reach for most first-time buyers. A walk down memory lane might offer some perspective. I purchased my first home in the fall of 1983 for $63,500 (insert head shake). I was 27 years old, and before you do the math, yes, I am a Baby Boomer. My first serious (so I thought) live-together relationship had just ended, and I was looking for a place to live. I had finished school and had a good full-time job with Bell Canada. A rental would have been preferred, except I had a dog. Someone suggested that I buy a home. I did not know very much about purchasing real estate or homeownership, for that matter. But I was young and willing to learn. I had been working full-time for two and a half years. During my orientation at Bell Canada, my supervisor told me to sign up for their stock option program. She said I would never miss the money or regret signing up for the plan. She was right. When I purchased my home, there was enough money in my stock account for a down payment and closing costs. My interest rate was a terrifying 12.75%, yielding a mortgage payment of just under $670 monthly. The lender deemed this affordable based on my $18,000 annual wage. Life was good. This was in 1983, when the minimum down payment for a home purchase in Canada was typically 10% for most buyers. However, a lower down payment could be possible with mortgage insurance (provided by organizations like Canada Mortgage Housing Corporation (CMHC), which allowed buyers to put down as little as 5%, provided they qualified for insurance. This was commonly available for homes under $150,000, with stricter terms for higher-priced homes. If you had a higher down payment of 25% or more, mortgage insurance wasn't required, and you could avoid extra costs associated with insured mortgages. This was part of broader efforts by the government to make homeownership more accessible, especially amid the high interest rates of the time. So let's do the math. Circa 1983 I first needed to prove that I had saved $3,175 in down payments and $953 in closing costs for $4128. In the 2.5 years I worked at Bell Canada, I saved $4,050 (including Bell Canada’s contribution) in stocks. I also had another $5,000 in my savings account. $9,000 was enough to complete the transaction and leave me with a healthy safety net. Fast forward to 2024 Let’s compare what the same transaction would look like today. Using the annual housing increase cited on the CREA website, the same house would be valued at approximately $700,000 today. Interest rates are much lower today, at 4.24%, yielding a mortgage payment of $3,545. 1. The down payment rules have changed. For the first $500,000, The minimum down payment is 5%. 5% X 500,000=25,0005\% \times 500,000 = 25,0005% X 500,000 = $25,000 2. The minimum down payment for the portion above $500,000 is 10%. 10% X (700,000−500,000) = 20,00010\% \times (700,000 - 500,000) = 20,00010% X (700,000−500,000) = $20,000 3. Total minimum down payment: 25,000+20,000 =4 5,00025,000 + 20,000 = 45,00025,000+20,000 = $45,000 Thus, the minimum down payment for a $700,000 home is $45,000. Here is the comparison: 1983 Scenario 2024 Scenario Variance Purchase Price: $63,500 $700,000 up 1002% Down Payment: $3,175 $45,000 up 1317% Loan Amount: $60,325 $655,000 up 986% Interest Rate: 12.75% 4.24% down 200% Monthly Mortgage Payment: $670 $3,545 up 429% Wage: $18,000 $43,500 up 142% Gross Debt Service Ratio: 44.6% 97.8% up 119% Time to Save for Down payment: 2 years 12.4 years up 520% *Please note that this example does not include mortgage insurance The real problem As you can see, housing was much more affordable for me in 1983 and far from cheap in 2024. During the past 41 years, wages have increased by 142%, yet interest rates have dropped by 200%. But the most significant impact on affordability has been the over 1,000% increase in housing prices. So why is all the focus on interest rates? At the risk of oversimplifying a complicated issue, I believe the media often uses interest rates as a "shiny penny" to capture attention, diverting focus from deeper housing affordability issues. This keeps the spotlight on inflation and monetary policy, aligning with economic agendas while ignoring systemic problems like down payment barriers and the shortage of affordable homes. Indeed, a movement in interest rates often has an immediate and noticeable impact on borrowers' affordability, making it a hot topic for news and policymakers. However, the frequency and consistency of the Bank of Canada meetings on interest rates give the impression that rates are the primary issue, even though they are just one part of a complex system. For example, even if the Bank of Canada dropped interest rates below zero, it would do little to solve today’s homeownership affordability issue. The real problems: 1. Down Payment Challenges: With housing prices skyrocketing, the 5%- 20% down payment required has become insurmountable for many, particularly younger buyers. High rents, stagnant wage growth relative to home prices, and rising living costs make saving nearly impossible. 2. Lack of Affordable Starter Homes: Due to profitability and zoning restrictions, housing developments often prioritize larger, higher-margin homes or luxury condos over affordable single-family starter homes. 3. Misplaced Generational Blame: Blaming Baby Boomers for "holding onto homes" oversimplifies the issue. They are staying put due to limited downsizing options, emotional attachments, or the need for housing stability in retirement, not a desire to thwart younger generations. 4. Political Challenges: Addressing structural issues like zoning reform or incentivizing affordable housing construction requires political will and collaboration, which can be slow and contentious. A broader lens is needed to understand and address the actual barriers to home ownership. Interest drops are merely a band-aid solution that misses the central issue of saving a down payment. The suggestion that we have an intergenerational issue needs to be revised. The fact that Baby Boomers are holding on to their homes should not surprise anyone. However, Real Estate models that predicted copious numbers of Baby Boomers selling their homes to downsize got it wrong. Downsizing was a concept conceived in the 1980s. Unfortunately, it did not account for record-setting home price increases or inflation, leaving it undesirable for today’s seniors. Although this is a complex issue, a few suggested solutions are worth exploring. What can be done? Focus on Policy Innovations: To create housing, increase supply, curb speculative investments, and provide targeted assistance for builders to build modest starter homes. To create rentals, homeowners should also receive income tax incentives to build Accessory Dwelling Units (ADUs). These could be used as affordable rentals or to house caregivers for senior homeowners. Today, The federal government announced a doubling of its Secondary Suite Loan Program, initially unveiled in the April 2024 budget. This is a massive step in the right direction. To create down payments, adopt a policy allowing first-time home buyers to avoid paying tax on their first $250,000 of income. Then, they could use the tax savings as a down payment. Focus on Education and Advocacy: Include a warning that helps consumers understand that withdrawing from RSPs results in a significant loss of compound interest related to withdrawals and how this can harm income during retirement. Encourage early inheritance to create gifted down payments. Normalize the concept by emphasizing the benefits to the giver and the receiver. Educate the public on using financial equity safely and create down payments as an early inheritance for their heirs. This will shift the conversation and initiate an intergenerational transfer of wealth that empowers the next generation to own a home. The Bottom Line While the Bank of Canada interest rate cut may ease some financial strain for homeowners with variable-rate mortgages, it will do little to address the core issue of housing affordability. The media's fixation on interest rates as a "shiny penny" distracts from more profound systemic barriers, such as the inability to save for a down payment and the lack of affordable housing stock. These challenges require targeted policies, structural reforms, and intergenerational collaboration to be tackled effectively. The focus must shift from short-term rate adjustments to long-term solutions that prioritize accessibility and affordability in housing. Without meaningful action, homeownership will remain out of reach for many, perpetuating the cycle of financial inequity across generations. Dont't Retire... Re-Wire! Sue
Maureen Leffler, D.O., Named ChristianaCare’s Chief Wellbeing Officer
Maureen “Mo” Leffler, D.O., MPH, has been appointed chief wellbeing officer of ChristianaCare, effective Nov. 25. In her role, Leffler leads the ChristianaCare Center for WorkLife Wellbeing and strategies to enhance the professional fulfillment and well-being of ChristianaCare’s nearly 14,000 caregivers, overseeing advocacy programs and initiatives to optimize their experience and foster a culture of well-being throughout the organization. She works closely with leaders across key departments to address factors impacting caregiver well-being. Leffler most recently served as the inaugural chief wellbeing officer at Nemours Children’s Health, where she helped the organization to achieve the 2022 Joy in Medicine distinction from the American Medical Association for prioritizing proven efforts to enhance the professional fulfillment of physicians. There, she established a Center for Associate Wellbeing; led the first systemwide assessment to strategically address well-being and burnout; and implemented a peer support program and expanded the scope of resources available to support the emotional and mental health needs of employees. In collaboration with organizational leaders, she supported targeted clinical team assessments and systems-based interventions to foster well-being. Prior to this role, Leffler served as a pediatric rheumatologist at Nemours and as an assistant professor of pediatrics in the Division of Rheumatology at Thomas Jefferson University. Since 2017, Leffler has served as the course director of the Chief Resident Leadership Training Program for the Accreditation Council for Graduate Medical Education (ACGME). In response to the COVID-19 outbreak, she co-chaired ACGME’s National Task Force on Well-Being. She and her team developed a national graduate medical education well-being community, which she continues to convene, to understand the evolving challenges and share strategies to improve well-being. She represents the ACGME as a coach for the National Academy of Medicine Action Collaborative on Clinical Well-Being and Resilience. She also serves as a consultant to the Professional Satisfaction team at the American Medical Association. Leffler earned her medical degree from the Philadelphia College of Osteopathic Medicine, followed by a residency in pediatrics at Nemours and Thomas Jefferson University Hospital, where she served as chief resident. She subsequently trained in pediatric rheumatology at Nemours and Jefferson. She also earned a Master of Public Health from Temple University and studied chemistry at St. Joseph’s University. Recently, Leffler completed the Georgetown Executive Leadership Certification Program.
Does Donald Trump Like Seniors?
At 78, Donald J. Trump already has 13 years of experience as a senior citizen. During his previous presidency, he occasionally referenced his senior status, particularly when discussing issues affecting older Americans. For example, in the 2020 election campaign, he acknowledged his age and addressed fellow seniors directly in his messaging, sometimes referring to himself as part of the senior community. Looking at his record, Trump appears to have a complex relationship with seniors. While expressing support for essential programs such as Social Security and Medicare, he often weaves the needs of seniors into his rhetoric. Yet some of his policy decisions have created mixed feelings among older Americans and advocacy groups. While pledging to protect these programs, he’s considered budget-cut proposals to reduce the funding of both these programs. Plus, his administration attempted to repeal the Affordable Care Act. While even the smartest of experts have learned it’s difficult to predict what Donald Trump will do on key policy decisions, there are some clues as to how his move back into the Oval Office will impact Canada and, more specifically, seniors. This topic got me wondering. Does Trump (a senior himself), like seniors? Let’s look closer at this demographic. Everyone knows that older people are the most reliable voters. The stats are compelling. According to Elections Canada - 75% of Canadians aged 65-74 voted compared to 48% of those aged 18-24. - The statistics for our US neighbours are similar, with 70% of Americans aged 65+ voting and 50% of Americans aged 18-29 voting. Knowing this voting power of the senior demographic, did Trump pander to this voting cohort? Yes, he most certainly did. He knew that as people age, their concerns narrow to a smaller list of critical topics such as Financial Security, Health, and Safety. During his 2024 presidential campaign, Donald Trump focused heavily on appealing to older voters, who historically make up a significant portion of the electorate and are more likely to vote. His campaign emphasized economic stability, protecting Social Security and Medicare, and national security—particularly relevant to older demographics. Let’s take a closer look at how the Trump administration could impact Canada's senior demographic in the following areas: Inflation Background: Inflation has a direct correlation to the cost of living. As the prices of goods and services rise over time, the purchasing power of money decreases – a challenge for many seniors. Critical expenses like housing, healthcare, food, and utilities could increase noticeably, putting pressure on limited retirement incomes and pensions. All this is stressful. According to a 2024 national survey of over 2,000 Canadians (conducted by Leger on behalf of FP Canada), money remains the top stressor for Canadians, with 44 percent citing money as their primary concern; That's up from 40 percent in 2023 and 38 percent in both 2022 and 2021. What This Means: Two of Trump’s biggest promises in his campaign (mass deportation of undocumented immigrants and more restrictive trade regulations) would have a "significant impact," according to an article by Ellen Cushing in the Atlantic. A domestic labour shortage plus double-digit import taxes would raise food prices on both sides of the border. Cushing goes on to say that “deporting undocumented immigrants would reduce the number of workers who pick crops by 40-50%.” While this rhetoric may have played well during the campaign, you can't fake the simple math here. Fewer workers means higher wages. That means higher prices. And the senior demographic will be hit hard because of their fixed incomes. Many will eat less of the expensive grocery store items like fresh meat, fruits and vegetables to make ends meet. Food prices will inevitably climb with these policies. The only question is when. According to a new poll conducted for CIBC and Financial Planning Canada on November 27, 2023, approximately 75% of working Canadians still need a formal financial plan for retirement. And many retirees face economic difficulties. A whopping 25% are still carrying debt into retirement. Many also report they have a substantial portion of debt and report that their retirement lifestyle isn't as comfortable as expected. The impact of inflation could be dire with few solutions; it is different for these older Canadians because they cannot re-enter the workforce. The only saving grace is that many of the hardest-hit Canadians are homeowners with equity options. Interest Rates Prediction: According to Beata Caranci, SVP & Chief Economist of TD Bank, the US is likely to raise interest rates to control growth. Canada is also expected to increase its rates, mainly to keep the Canadian dollar stable against the U.S. dollar. The Bank of Canada could be forced to rescind the projected planned interest rate reductions or at least reduce them. However, it's a delicate balancing act. Our economy could suffer if we don’t mirror the US increases in interest rates. Impact: Increasing Canadian interest rates will impact seniors by increasing mortgage carrying costs. At the same time, older Canadians with investment savings could see increased returns on these savings. A rise in interest rates would also impact housing prices and foreign exchange rates. House Prices Background: Economic, demographic, and policy-related factors influence home prices in Canada. The new Trump administration will undoubtedly impact these factors. To understand this area, let's examine some significant variables affecting housing costs. 1. Supply and Demand When housing supply is limited, and demand is high, prices rise. Conversely, when supply exceeds demand, prices stagnate or fall. Should the new administration adopt more restrictive immigration policies in the US, Canada might see an increased influx of skilled workers and families seeking an alternative place to live. Housing demand will likely increase in major Canadian cities—Toronto, Vancouver, and Calgary- resulting in price increases. 2. Population Growth An increase in population or immigration boosts housing demand, particularly in urban centers, consequently increasing home prices. Canada welcomed 485,000 immigrants in 2024, many of whom settled in cities like Toronto and Vancouver. This influx has driven up demand for housing, contributing to price increases. The Canadian government has recently reduced the number of immigrants we allow into our country, dropping the number from 500,000 to 395,000 in 2025. Current immigration numbers plus any overflow from the US should keep demand buoyant and we could see home prices continue to rise. However, Canada needs more housing, especially in high-demand urban areas. In addition to immigration, slow construction timelines and zoning restrictions are contributing factors. Canada's ongoing housing shortage and the potential impacts of Donald Trump's election win in the U.S. could exert upward pressure on home prices, particularly in major cities like Toronto and Vancouver. These cities, already grappling with limited housing and high prices, will likely see further price increases due to increased demand. Without robust policy interventions to increase the housing supply, Canada’s housing prices, particularly in major centers, will likely continue rising. And there will be winners and losers here. This is great news for seniors wishing to sell and exit the market by finding other living arrangements, such as renting, moving in with family, or entering retirement homes. It is even better news for seniors wishing to age in place as they will have more equity to fund their retirement. But it’s disappointing news for those wishing to downsize and stay in the same communities. They may be able to sell high, but they could also be forced to buy high. 3. Foreign Currency Trump's policies, such as tax cuts and protectionist trade measures, have historically strengthened the U.S. dollar. If similar policies are reintroduced, the U.S. dollar could become more robust due to increased investor confidence and perceived economic growth in the U.S. That’s bad for Canadians traveling or living in the U.S. Trump's potential trade disputes, particularly with China, and his aggressive geopolitical stance could also create uncertainty in global markets. While this might temporarily strengthen the U.S. dollar as a haven, long-term concerns about trade wars and deficits could cause fluctuations, impacting the Canadian dollar's stability against the U.S. dollar. This volatility directly impacts Canadians, especially those with significant financial exposure to the U.S. dollar. A second Trump presidency will likely impact the exchange rate between Canadian and U.S. dollars, which is especially relevant for 85% of Canadian Snowbirds, who, according to Snowbird Advisor, spend winters in the United States. This number was estimated to be 900,000 in 2023. These seniors may face increased expenses for property taxes, utilities, and other daily living costs in the U.S. If exchange rate volatility persists, locking in more favourable rates or using specialized currency exchange services, US credit/debit cards with lower transaction fees, and using US dollar accounts might be wise - especially for more significant financial transactions. The Bottom Line One thing is certain. Trump's second term has the potential to impact many Canadian seniors if he implements the policies he discussed during his election campaign. While some could benefit financially from higher home equity and investment returns, many may need help with increased living costs, especially food and foreign exchange challenges, particularly Snowbirds and those on fixed incomes. While we are all watching this situation unfold, one thing is sure. It's difficult to predict if Trump’s second term will make Canadian or US seniors "great again."
