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Your First Scroll of the Day Is Wrecking Your Sleep and Focus, Says ADHD Therapist
For many people, the day doesn’t start with getting out of bed - it starts with reaching for the phone. Psychotherapist Harshi Sritharan, who specializes in ADHD and anxiety, says that tiny habit is doing more damage than most of us realize. “When you check your phone before you’ve even sat up, you’re flooding your brain with microbursts of dopamine,” she explains. “Dopamine is a key part of our motivation and reward system. Those quick hits of novelty - notifications, texts, news, social feeds - tell the brain, ‘This is where the good stuff is.’” The problem? That early surge doesn’t just switch on your day. It primes your nervous system to stay on high alert. “You’ve now trained your brain to expect that level of stimulation,” Sritharan says. “For many people with ADHD, nothing else in their day compares - school, work, chores all feel flat by comparison. That’s where that constant ‘I’m bored’ feeling can come from.” That ongoing “high alert” isn’t just about boredom, though. It’s also a sign of a dysregulated nervous system: your brain scanning for the next hit of information, your body sitting in low-level fight-or-flight. Over time, that uncertainty - What’s waiting for me in my inbox? Did I miss something? - can exacerbate anxiety and executive dysfunction. Nighttime habits make things worse. Those late-night emotional spikes from doom-scrolling, stressful emails, or intense content don’t just keep your mind busy. They can trigger the sympathetic nervous system - the body’s fight, flight, or freeze response - and potentially release stress hormones like cortisol and adrenaline. “That combination,” Sritharan notes, “blocks melatonin, dysregulates the nervous system, and sends your body the opposite message of what it needs before sleep. You’re basically telling your brain, ‘We’re in danger,’ and then expecting it to rest.” Instead of shaming people for these habits, Sritharan takes a “knowledge equals power” approach. “I don’t tell clients, ‘Just stop doing that,’” she says. “I teach them what’s happening in their brain and nervous system so they can understand why it feels so hard to put the phone down. Once people see the pattern, they feel less broken - and more motivated to experiment.” “Most people don’t need a total digital detox,” Sritharan says. “They need skills, not shame. When they understand how their brain is wired - especially with ADHD - they can design habits that work with their nervous system instead of against it.” Her message to anyone who feels stuck in the cycle: don’t blame your willpower. “This is your biology, not a personal failure,” she says. “When you understand what your brain is doing, you can finally start changing the script.” ⸻ About the Expert Harshi Sritharan is a psychotherapist who focuses on ADHD, anxiety, and intentional tech use. She helps clients understand dopamine cycles, rebuild healthy routines around sleep and screens, and create realistic boundaries that work in real life - not just on paper. Harshi is part of the Offline.now ADHD Expert Community.
Five Million Airbnb Reviews Illuminate Guests’ Crime and Safety Concerns
Concerns about crime and safety have a dramatic impact on the behavior of Airbnb customers, according to new research co-authored by Liad Wagman, Ph.D., Dean of the RPI Lally School of Management. In an analysis of nearly 5 million reviews left by Airbnb guests, Wagman and his colleagues found that a short-term rental property’s occupancy rate and rental price dropped by significant amounts after a guest left a review mentioning safety concerns at or around the property: occupancy rates fell by anywhere from 1.5 to 2.4 percent, while average nightly prices dropped by roughly 1.5 percent. These negative safety reviews influenced the behavior not only of potential future customers, but also of the people who wrote them. A customer who mentioned concerns about crime and safety in the neighborhood around a property, for instance, became 60 percent less likely to ever use Airbnb again. “To see the effect of these dynamics play out in action is always fascinating to me," Wagman said. “Given that humans have different preferences, and that information transmittal is imperfect, it’s unsurprising that the effect of self-experience is larger than that of reading a critical review that resulted from it.” Worries about safety within a property — say, a broken step or a slippery tub — also reduced customers’ willingness to return to the platform, but by a more modest amount. The study also found that when people with neighborhood safety concerns did return to the platform, they tended to book properties in areas with lower rates of crime. The study, co-authored by Aron Culotta of Tulane, Ginger Zhe Jin of the University of Maryland, and Yidan Sun of Binghamton University, was published in the journal Marketing Science. Overall, the researchers found that safety-oriented reviews were rare: only about 0.5 percent of customer reviews mentioned safety concerns. But those reviews tend to be more negative in sentiment than the typical customer review, giving them an outsize impact on the behavior of subsequent would-be customers. The findings illustrate a delicate balancing act digital platforms have to perform, particularly those that rely heavily on user reviews: while highlighting negative experiences can help consumers make more informed choices, too much emphasis can drive customers away completely. The team ran several simulations calibrated by their empirical analysis to test how these dynamics play out in the market. They found that if a platform suppressed negative safety reviews completely, customers might assume that safety information was being hidden, and become more wary of using the platform in general. Conversely, while more transparency around safety issues could lead to fewer bookings of impacted properties in the short term, in the long run such a policy could boost user trust and draw more people to the platform, offsetting the short-term losses. “Platforms with the competitive space to focus on long-term objectives may benefit from a higher level of transparency, which can be facilitated by making information that is relevant to their buyers’ decision-making more readily available,” Wagman said. “Doing so facilitates trust and helps incentivize sellers to work to improve the quality of their offerings, as well as help shape sellers' decisions to enter a market (e.g., offer their listings) in the first place.”
Worked Through Thanksgiving? That’s a Burnout Red Flag, Not a Badge of Honor
If your Thanksgiving weekend included answering work emails from a guest room, sneaking Slack replies between courses, or “just finishing one thing” while your family watched a movie, you’re not alone. But Craig Selinger, an executive function coach who works with high achievers, says it’s a warning sign, not proof of commitment. “More and more of my clients tell me they ‘took time off’ - but then admit they were checking in on everything from their phones,” Selinger says. “They come back to work exhausted, frustrated with their families, and confused about why they don’t feel refreshed.” He doesn’t see this as a time-management failure. He sees it as a boundary failure fueled by an always-on culture. “Old technology stayed in one place,” he explains. “A desktop in a home office was easy to walk away from. Now, work follows you onto the couch, into your in-laws’ living room, and onto the plane ride home. Unless you deliberately decide when you’re not available, the default is ‘always working, never actually off.’” After holidays like Thanksgiving, Selinger helps clients reflect on a few key questions: Did you actually have any fully work-free hours or days? Did your phone stay with you during meals and family time - and did you feel pulled to check it? Do you feel like you rested, or like you just changed locations while staying on call? “If the honest answers are uncomfortable, that’s valuable data,” he says. “It means your relationship with availability needs attention.” Instead of telling high performers to “just unplug,” Selinger works with them to redesign their availability ahead of the next holiday crunch: Setting clear out-of-office messages that specify when they’ll be offline and when they’ll check in. Agreeing with their team on what counts as a true emergency and which channel should be used for it. Creating short, non-negotiable deep-rest windows - for example, no work apps from 5-9 p.m. on certain days, or one weekend day that’s completely work-free. “When people see that they can set smart boundaries and still be respected and effective, that’s usually the turning point,” Selinger says. “They stop confusing constant responsiveness with real value.” With December’s year-end push approaching, he believes now is the time for high performers to recalibrate. “Treat this past Thanksgiving as a test run,” he suggests. “If you didn’t get the rest you needed, don’t just shrug it off. Use it as the moment you decide to draw a clearer line before the next holiday - for your performance and for the people who actually sat across the table from you.” About the Expert Craig Selinger is an executive function coach who works with founders, executives, families, and high-achieving students. He specializes in digital distraction, productivity, and helping people build realistic boundaries in an always-on work culture. Craig is part of the Executive Function Coaching Community at Offline.now
U.S. News: AI Can’t Replace Therapists – But It Can Help Them
For a young adult who is lonely or just needs someone to talk to, an artificial intelligence chatbot can feel like a nonjudgmental best friend, offering encouragement before an interview or consolation after a breakup. AI’s advice seems sincere, thoughtful and even empathic – in short, very human. But when a vulnerable person alludes to thoughts of suicide, AI is not the answer. Not by itself, at least. Recent stories have documented the heartbreak of people dying by suicide after seeking help from chatbots rather than fellow humans. In this way, the ethos of the digital world – sometimes characterized as “move fast and break things” – clashes with the health practitioners’ oath to “first, do no harm.” When humans are being harmed, things must change. As a researcher and licensed therapist with a background in computer science, I am interested in the intersection between technology and mental health, and I understand the technological foundations of AI. When I directed a counseling clinic, I sat with people in their most vulnerable moments. These experiences prompt me to consider the rise of therapy chatbots through both a technical and clinical lens. AI, no matter how advanced, lacks the morality, responsibility and duty of care that humans carry. When someone has suicidal thoughts, they need human professionals to help. With years of training before we are licensed, we have specific ethical protocols to follow when a person reveals thoughts of suicide. Read the full article here:
Is Your Phone About to Ruin Thanksgiving Dinner?
Thanksgiving is supposed to be about connection. But for a lot of families, the quiet guest at the table is everyone’s phone. Licensed marriage and family therapist Gaea Woods says the damage rarely comes from one big fight about tech. It’s the drip of small moments: someone telling a story while another person scrolls, a partner checking notifications mid-sentence, a teen disappearing into their screen. “Every time that happens, the signal is: my phone has part of my attention right now,” Woods explains. “Over the course of a holiday, that can add up to people feeling unseen or unimportant.” Instead of laying down hard-and-fast “phone rules” for the whole family, Woods suggests starting with your own intentions and leading by example. One simple move: say it out loud. “I’m going to leave my phone in the other room so I can focus on being present and spending time with you all. I invite you to do the same.” “There’s no pressure, no shaming,” Woods says. “You’re naming what matters to you and opening the door for others to join you.” Woods emphasizes that the goal isn’t perfection. It’s micro-moments of presence: a few minutes of eye contact, one conversation where everyone’s really listening, a shared laugh that isn’t about something on a screen. “Most families don’t need another rule,” she says. “They need a way to say: I care about you, and I want more of you here with me right now. Thanksgiving is a beautiful time to practice that.” About the Expert Gaea Woods is a licensed marriage and family therapist who helps couples and families navigate communication breakdowns, digital “third-wheel” dynamics, and everyday phone habits that quietly erode intimacy - especially during high-stress times like the holidays. Gaea is part of the Offline.now Relationship Stress expert community.
Detecting Fraud Using Emerging Technology: Innovating Beyond Traditional Controls
Fraud and financial crime are evolving at a pace that challenges even the most established detection systems. From cyber-enabled schemes and complex financial misappropriations to subtle internal manipulations, traditional audit and compliance methods are often too slow or too narrow to keep up. In a world where billions of data points can hide a single irregularity, the investigative advantage now lies in speed, intelligence, and technological adaptability. J.S. Held’s Ken Feinstein recently authored an article exploring how artificial intelligence, machine learning, and advanced data analytics tools are transforming how organizations uncover and prevent fraud. In his piece, “Detecting Fraud Using Emerging Technology: Don’t Be Afraid to Innovate,” Feinstein illustrates how the integration of digital investigation techniques — from automation to predictive analytics — is reshaping the fraud-detection landscape, helping companies not just react to wrongdoing but anticipate and deter it. Ken Feinstein specializes in investigative data analytics and has over 25 years of experience. He provides data analytics solutions spanning multiple sectors, including retail and consumer products, life sciences, technology, financial services, and industrial products. His clients include law firms and Fortune 500 legal and compliance teams for whom he delivers large-scale, complex investigations, regulatory response matters, proactive anti‐fraud efforts, and compliance programs. View his profile here Why This Matters As fraudsters exploit digital tools and globalized networks, detection efforts must evolve in kind. Regulators expect faster, data-driven investigations, and boards demand real-time risk visibility. Those who innovate with AI-enabled detection and forensic analytics are better positioned to protect assets, reputation, and shareholder trust. Looking to know more? Connect with Ken Feinstein today by clicking on his icon below.
Black Friday 2025: Earlier, Bigger and More Digital Than Ever
Black Friday is no longer just a day – it’s becoming an entire season. In 2025, shoppers are starting earlier, spending more and relying heavily on technology to find the best deals. With online shopping now the dominant force, an estimated 71% of consumers plan to browse and buy from their screens rather than stand in long lines. Baylor University consumer behavior expert James A. Roberts, Ph.D., said this year’s sales stretch well beyond Thanksgiving weekend. Top 5 Black Friday Trends from Dr. James A. Roberts Retailers have pushed promotions into early November – and in some cases, late October – creating what many now call “Black November.” And for the true procrastinators, “Desperate in December” is the new reality, with next-day delivery extending holiday shopping right up to the last minute. Even as shoppers plan to spend up to 10% more, they’re extremely price sensitive, Roberts said. Inflation, rising living costs and ongoing economic uncertainty – including concerns over tariffs – are prompting consumers to hunt for deeper discounts and compare prices more closely than ever. That caution is also fueling another trend: increased use of buy-now-pay-later plans. While convenient, Roberts urges shoppers to approach them carefully to avoid overspending. Technology also is accelerating the shift. AI tools and retail chatbots are helping customers track deals and make purchases, while influencers and social media ads continue to shape buying habits. Cost-conscious platforms like Temu and Shein are poised for another strong season. Clothing, electronics and home goods remain top categories, Roberts said, with gift cards still the go-to for last-minute buyers. Walmart, Target and Kohl’s are expected to be the most popular in-store destinations, while Amazon – unsurprisingly – continues to dominate Cyber Monday. Overall spending remains robust. Shoppers are expected to spend roughly $20 billion across online and in-store purchases, split almost evenly between the two. The best bargains will be toys discounted about 25 percent, phones and computers discounted around 30 percent and TVs discounted an average of 23 percent. The typical shopper will spend about $650 this holiday weekend. How to navigate the shopping frenzy Roberts offers some simple advice for navigating the frenzy: Set a budget, stick to it, choose thoughtful gifts and keep the season in perspective. After all, the most meaningful gifts are the ones that show how well you know the people you love. ABOUT JAMES A. ROBERTS, PH.D. James A. Roberts, Ph.D., is The Ben H. Williams Professor of Marketing at Baylor University’s Hankamer School of Business. A noted consumer behavior expert, he is among the Top 2% Most-Cited Researchers in a database compiled by Stanford University. In addition to journal citations, Roberts has often been called upon by national media outlets for his consumer expertise and latest research. He has appeared on the CBS Early Show, ABC World News Tonight, ABC Good Morning America, NBC’s TODAY Show and NPR’s Morning Edition, as well as in articles in The New York Times, USA TODAY, The Wall Street Journal, TIME and many others. Roberts’ research has focused on how individual consumer attitudes and behavior impact personal and collective well-being, including investigating the factors that drive ecologically and socially conscious consumer behavior, the impact of materialism and compulsive buying on well-being and the effect of smartphone and social media use on personal well-being. He is the author of “Shiny Objects: Why We Spend Money We Don’t Have in Search of Happiness We Can’t Buy” and “Too Much of a Good Thing: Are You Addicted to Your Smartphone?”
Do the math: We’re awake roughly 16 hours a day. We spend 10 of those hours staring at screens – phones, tablets, computers, TV, gaming devices. That’s 63% of our waking life. The first platform dedicated entirely to digital balance launching today reveals something even more startling: It's not that we lack willpower to change our behavior. It's that we lack confidence. New proprietary research from Offline.now shows that 8 in 10 people are ready to change their relationship with technology, but more than half are so overwhelmed with their digital habits, they don’t know where to start. “If you don’t learn how to manage the screens in your life, they will manage you,” says Eli Singer, Founder of Offline.now and author of Offline.now: A Practical Guide to Healthy Digital Balance. “When people tell us they feel overwhelmed, it’s not laziness. It’s a crisis of confidence. And confidence is something that can be built.” Digital Wellness Experts Address the Struggles No One Else Will These insights come from digital wellness experts in the Offline.now Digital Wellness Directory – a growing community of licensed professionals across North America specializing in ADHD, relationships, family dynamics, high-achievers, and sustainable behavior change. They’re not offering generic advice. They’re addressing specific digital struggles that define contemporary life. Psychotherapist Harshi Sritharan, who specializes in modern anxiety and ADHD, explains: “The biggest mistake people make is reaching for their phone or turning on their computer first thing in the morning. It injects your dopamine full of uncertainty. You’ve essentially told your brain the most important thing you have to do today is put out fires. I tell clients to delay that first scroll as long as possible and never hit ‘snooze’. You’re fragmenting your REM sleep and making yourself more exhausted. These aren’t willpower issues; they’re about understanding how blue light disrupts your circadian rhythm, especially for those with ADHD who already struggle with sleep regulation.” According to Sritharan, the breakthrough happens when people understand the dopamine cycles driving their dependence and “reframe how they connect with all their screens, whether it’s their phone, gaming console, or streaming TV.” High Achievers Can’t Unplug. The ‘Always-On’ Trap is Killing Productivity, Not Boosting It “A lot of high performers think they need better time management,” says Executive Function Coach, Craig Selinger. “But what they actually need are boundaries. They’ve built empires by being available 24/7, and their phones have become permission slips to say yes to everything.” The difference between old and new technology matters,” he explains. “Back in the day with TV, there was a clear demarcation of beginning and end, right? The episode ends and you move on. Now it’s like Minecraft or TikTok – there’s no ending. And mobility makes it sticky, because you’re physically carrying the drug with you, versus a TV that stayed in one room.” The breakthrough happens when they realize being unavailable on purpose isn’t a weakness. “Things like turning off notifications during deep work, or setting ‘do not disturb’ windows? Those aren’t luxuries. They’re the competitive advantages they’ve been missing.” Digital Dependency as a Third Party in a Relationship Licensed Marriage and Family Therapist Gaea Woods says digital devices are killing interpersonal relationships, not because tech is evil, but because “we use it unconsciously at the moments when connection matters most. When you’re scrolling at dinner, you’re telling your partner ‘my phone is more interesting and important than you’.” The breakthrough happens when couples set explicit agreements: response times, when devices go off-limits – and even what’s it’s OK with AI companions. “We’ve exited the era of meaningful communication without realizing it, and now we must deliberately rebuild it. Nature isn’t ‘Nice to Have’. It’s the Antidote to Screen Fatigue No One is Talking About After running a tech-free camp for 25 years, Personal Development Coach Mark Diamond says he’s seen what happens when kids get genuine face-to-face time interaction outdoors. “Their brains reset. The beauty and physical activity provide perspective that screens can never replicate. Digital dependency has eroded our ability to develop real human connections across all ages, not just teenagers. Screens should not replace the moments that define our wellbeing.” Why This Matters Now The stakes extend beyond personal frustration. Unchecked screen dependency is linked to rising rates of anxiety, deteriorating sleep quality, relationship breakdown, and what mental health experts call “continuous partial attention”, a state where we’re always connected, but never fully present. The Data Reveals When Change is Possible Beyond the confidence divide, Offline.now’s research uncovers the precise moments when users are most open to shifting their digital habits: Evenings from 6 pm-11:59 pm emerge as the “Go Time” window. 40% of self-assessment responders peak readiness to act. Sunday is “Reset Day, when 43% want to set boundaries for the week ahead. Saturdays offer natural opportunities for self-compassion and rest. Afternoons become the “Overwhelm Window”, with 57% feeling consumed by their screens. Critically, Fridays – despite having the highest overwhelm factor – are the worst time for interventions. Users are depleted and change rarely sticks. The Framework That Powers the Platform At the platform’s core is the Offline.now Matrix, a behavioral framework that maps the confidence and motivation levels of users to reveal their starting point: Overwhelmed, Ready, Stuck, or Unconcerned. Based on Singer’s book, Offline.now: A Practical Guide to Healthy Digital Balance, the approach replaces willpower-based advice with microlearning strategies – each taking 20 minutes or less – that track emotional triggers rather than just screen time totals. It offers 100 real-world alternatives to scrolling, from reorganizing a drawer to visiting a thrift shop, and reframes slip-ups as data, not disasters. “The books shows that lasting change doesn’t require deleting Instagram or TikTok tomorrow,” says Singer. “You need to win one personal victory today, and then another tomorrow. That’s how confidence rebuilds.” Propelled by University of Toronto’s Innovation Ecosystem Offline.now is a University of Toronto-affiliated startup, leveraging one of the world’s most powerful innovation networks. U of T is ranked among the top five university-managed business incubators globally and has helped create more than 1,500 venture-backed companies and secured more than CAD$14 billion in investment over the past decade. How Offline.now Works For individuals and families: Take the free self-assessment quiz using the Offline.now Matrix to map your motivation and confidence levels in under three minutes. Receive instant access to practical strategies, curated resources, and a searchable directory of digital wellness experts organized by specialty, location, and insurance coverage. For digital wellness professionals: Join a growing community of licensed mental health practitioners, certified behaviorial coaches, and registered social workers by creating your profile at Offline.now. The platform provides new client leads, professional development opportunities, and visibility in a rapidly expanding market. About Offline.now Offline.now is the first global platform dedicated entirely to achieving digital balance. Founder and author Eli Singer built one of North America’s first social media agencies before seeing technology shift from community-building to attention-harvesting. As a parent, he experienced firsthand the struggle to maintain digital balance. The platform combines proprietary behavioral research, expert guidance and counselling from licensed professionals, and science-backed strategies to help individuals and families build healthier relationships with their screens. Visit Offline.now at https://offline.now Expert Interview Availability Offline.now can arrange interviews with: Eli Singer, Founder – Vision for digital wellness; behavioral data insights Harshi Sritharan, Psychotherapist – Dopamine cycles, ADHD, anxiety and intentional tech use Craig Selinger, Executive Function Coach – Digital distraction in high achievers, family dynamics, ADHD Mark Diamond, Personal Development Coach – Outdoor wellness, sustainable behavior change, happiness, connection Gaea Woods, Licensed Marriage and Family Therapist – Communication, digital third-party relationships, phubbing Additional Resources Free self-assessment quiz - The Offline.now Matrix: https://offline.now/quiz Expert directory and booking: https://offline.now/experts/ Join the directory: https://offline.now/join/ Order Offline.now: A Practical Guide to Healthy Digital Balance: https://offline.now/book/
Aston University’s approach to a global challenge Across industries, companies face mounting pressure to cut carbon, improve resource efficiency, and contribute to the UN Sustainable Development Goals (SDGs). Yet many firms still struggle to move from vision statements to measurable action. At Aston Business School, Dr Breno Nunes, reader in sustainable operations management, is developing practical frameworks that help organisations embed sustainability at their core. His concept of 'sustainability fitness' captures how firms can build the capabilities they need to adapt, compete, and thrive in the transition to a net zero economy. “Many organisations want to be sustainable but struggle to operationalise what that means. My work is about bridging that gap — helping businesses translate strategies into practice.” — Dr Breno Nunes The sustainability fitness concept involves both meeting human needs and respecting environmental limits. While it can also be applied at the societal and individual level, Dr Nunes focuses on organisations, where capability building delivers the fastest, measurable change. Corporate sustainability fitness examines how a firm is able to survive and meet its own needs, while aligning itself to wider essential needs of society and operating within limits imposed by its surrounding natural environment. From research to real-world action Dr Nunes’ research examines how organisations design, implement, and monitor sustainability strategies across operations, supply chains, facilities, and product development. He is the main author of the book Sustainable Operations Management: Key practices and cases, which applies the issues of sustainability to all strategic decisions of operations. His work is already making a tangible difference, including international partnerships in Brazil, Canada, and the US, bringing cross-cultural insights into organisational transformation, as well as for various companies and organisations. In an Innovate UK Knowledge Transfer Partnership (KTP) with automotive supplier Metal Assemblies, Dr Nunes and Professor Alexeis Garcia Perez, professor of digital business and society at Aston University, are working to calculate and report the carbon cost of metal components used in car production, tackling one of the industry’s biggest sustainability challenges. The digitalisation of processes will allow Metal Assemblies to meet customers' requirements and position itself as a trusted and transparent supplier of low-carbon components. In another KTP with Brockhouse Group, a forging manufacturer in the West Midlands, Dr Nunes worked with Aston colleague Dr Muhammad Imran, reader in mechanical, biomedical and design engineering. Together they developed a sustainable manufacturing strategy centred on carbon reduction and process improvement. The work involved the development of an energy dashboard, allowing analysis of data on gas and electricity consumption. The project also included analysis of alternatives for energy recovery systems, and development of routines and procedures to improve the manufacturing process. As a result, Brockhouse group is more competitive to supply in non-captive markets. Dr Nunes has also been involved with a collaboration with Birmingham Botanical Gardens to integrate sustainability into policy and practice, expanding the use of business sustainability theories to nonprofit sectors. Sustainability can be embedded across different areas of organisations while seeking financial stability. As an environmental education charity, it is important to for Birmingham Botanical Gardens to 'practise what it preaches'. It was recently awarded almost £20m from various grants (including Heritage Lottery) in a capital project, thanks to having sustainability at the core of renovation plans. These projects highlight Aston University’s role in bridging academia, industry, and policy — ensuring research findings reach the boardroom as well as the factory floor. Key insights from the research Dr Nunes’ studies highlight several critical factors for turning sustainability from intention into measurable results: • Organisational capabilities are central to embedding sustainability. These include empowering sustainability “champions” (institutional entrepreneurs), supportive structures, superior technologies, and the ability to learn and balance economic, environmental, and social performance. • The tensions in implementing sustainability vary not just by function (supply chains, governance, innovation) but also by an organisation’s maturity level. • Start with the low-hanging fruit: tools like self-assessments, capability diagnostics, and learning games allow firms to act at lower cost before committing to full environmental impact assessments or formal reporting. • Collaboration between academia, industry, and policymakers accelerates real-world impact. Why this matters The stakes are high. Businesses worldwide are expected to reduce carbon emissions, demonstrate social responsibility, and remain competitive in a rapidly changing global economy. Aston University’s research shows that strengthening sustainability capabilities not only improves environmental outcomes but also boosts resilience and cost savings. In pilot projects, teams working with Dr Nunes have achieved up to 30% reductions in both cost and carbon emissions — proof that sustainability can drive operational performance as well as compliance. Looking ahead: expanding the Sustainable Growth Hub The next phase of Dr Nunes’ work centres on Aston’s Sustainable Growth Hub, which is being developed as a reference point for SMEs seeking sustainability solutions. In 2025, the Hub will: • Launch its first industry club cohort and expand its team. • Roll out new self-assessment tools to size sustainability needs and decarbonisation goals. • Introduce new learning formats and follow-up courses to Aston’s Green Advantage programme, alongside sessions to play a new corporate sustainability game. • Host events to bring together businesses, policymakers, and the wider sustainability management community. • Attract new research grants and publish results to share knowledge across both academic and practitioner circles. These initiatives aim to equip organisations not only to meet today’s challenges, but to anticipate tomorrow’s. Get involved Follow Dr Nunes via his profile below, and soon through the Sustainability Fitness website. Businesses can also attend Aston Business School events to explore workshops, tools, and courses first-hand. About Dr Breno Nunes Dr Breno Nunes is reader in sustainable operations management at Aston Business School and president of the International Association for Management of Technology (IAMOT). He serves as associate editor of the IEEE Engineering Management Review and has published widely on sustainability strategy execution and innovation. Aston University’s work in sustainable operations — shaped by researchers like Dr Nunes — is helping organisations worldwide move from ambition to action, building the 'sustainability fitness' needed for a net zero future.
Federal Budget 2025: What's In It for Canadian Seniors?
Let's be honest: the word "budget" probably makes you want to take a nap. Or pour a stiff drink. Maybe both. We spent decades pinching pennies, brown-bagging lunches, and watching every dollar so we could finally retire and stop thinking about money every waking minute. Now here I am, telling you to read about a government budget. I know. I'm sorry. But stick with me—I promise to make this as painless (and possibly entertaining) as possible. Why You Should Care About the 2025 Federal Budget (Even If You Really Don't Want To) Some of you hate talking about money. I get it. But here's the thing: information is power, and denial isn't just a river in Africa (give it a second to land)—it creates unnecessary ignorance and real missed opportunities to regain some control over your financial life. Plus, this budget affects your kids and grandkids too. So even if you're sitting pretty, the people you love might not be. The Economy Right Now: A Very Quick Explainer You've probably noticed everything costs more. A lot more. Welcome to inflation, courtesy of today's tariff-happy trade wars. (And if you want a deeper dive into how inflation affects more than just your wallet, check out my earlier piece: "Inflation: It's not just for prices anymore".) Here's the short version: When governments slap tariffs on imported goods (think: "You want to sell your stuff here? Pay up!"), Companies pass those costs directly to you at checkout. Your grocery bill goes up. Your heating costs rise. Even that new garden hose costs more because, apparently, everything comes from somewhere else now. So when you're living on a fixed income—CPP, OAS, maybe some RRIF withdrawals—and prices keep climbing while your income stays flat, that's a problem. A big one. Enter: the federal budget. It's basically Ottawa's financial to-do list: where they'll spend money, what they'll cut, and (theoretically) how they plan to make your life easier. Or at least less expensive. What's Actually In This Federal Budget Thing (The Good Parts Only) I've waded through the charts, jargon, and multi-billion-dollar announcements so you don't have to. Here's what matters to you: 1. Your House: Now it's a Potential ATM Remember when turning your basement into a rental suite sounded expensive and complicated? Ottawa heard you. The Secondary Suite Loan Program is expanded: Borrow up to $80,000 at 2% interest (15-year term) to build a basement apartment, garden suite, or in-law unit. The refinancing rules are also relaxed: You can now refinance up to 90% of your home's post-renovation value to fund these projects. Translation: You can turn unused space into monthly rental income, house a caregiver, or create a spot for family—all while boosting your property value. It's like your house went to entrepreneurship school. For more on Additional Dwelling Units (ADUs), check out this post. 2. Slightly Less Painful Tax Season Ottawa is cutting the base federal tax rate for modest-income earners and cancelling the consumer carbon price on heating fuels. Translation: If you're still working part-time or living on CPP + OAS + RRIF withdrawals, expect slightly lower deductions and cheaper heating bills starting this winter. We're talking maybe $30–$50 more per month—not a windfall, but enough to buy groceries without wincing at the checkout. 3. Health Care: Maybe, Possibly, Getting Better The budget includes more money for provinces to spend on health care and long-term care reform. The goal? Shorter wait times and expanded home-care programs. Translation: The government says they're helping seniors age at home with dignity. Whether that actually happens depends on your province not blowing the money on consultants and photo ops. Keep your eyes on provincial announcements for new or expanded home-care subsidies. 4. Your Savings: Slightly Less Likely to Evaporate Budget 2025 confirmed Canada has the lowest debt-to-GDP ratio in the G7. They're also cracking down on bank fraud and scams targeting seniors. Translation: Lower national debt helps keep interest rates and inflation under control, protecting the real value of your fixed income. And Ottawa is finally recognizing that scammers love targeting retirees. (If you haven't already, read my piece on The Rise in Grandparent Scams—it's eye-opening.) About time. Watch for my upcoming article on a recent senior scam making the rounds—and my assessment of how banks can do much more to protect seniors. 5. $60 Billion in "Savings" (Don't Panic) You'll hear politicians bragging about cutting $60 billion. Before you worry they're gutting CPP or OAS, relax. They're trimming their own bureaucracy—less middle management, more digital tools, fewer wasteful meetings about meetings. Translation: They're supposedly spending less on themselves so they can spend more on things that matter—like housing, health care, and infrastructure. Whether they actually pull this off remains to be seen, but at least they're talking about it. So What Does All This Actually Mean? Look, I won't pretend this budget is a game-changer. It's not. But it does offer a few smart moves if you're willing to act. And let's remember: this is Carney's first budget. Changing financial policy and spending priorities takes time—and some patience on our part. Rome wasn't built in a day, and neither is a functional federal budget that actually helps everyday Canadians. Review your home equity. Could an ADU loan help you age in place and generate income? Audit your expenses annually. Cutting $100/month in spending equals roughly $1,500 in pre-tax income. That's real money. Stay vigilant against scams. Government protection is nice, but it starts with you not clicking sketchy emails and text messages. Ask about tax credits. Low-income seniors may qualify for increased refundable credits under provincial top-ups this year. This isn't a flashy budget. There are no big checks in the mail. But it does signal a shift toward pragmatism: help Canadians stay housed, healthy, and financially secure while Ottawa tightens its own belt. For Canadians 55+, that means: Slightly lower everyday costs More options to create income from your home Continued investment in health and home care A more stable economy to protect your savings Progress? Maybe. One cautious, bureaucratic step at a time. Your Next Move Take 30 minutes this week to think through how these programs could fit into your life. Could an ADU loan make aging in place possible? Could refinancing free up cash flow? Small adjustments now = big peace of mind later. And that's what being hit, fit, and financially free is all about. And hey—you just read an entire article about a government budget. Voluntarily. That deserves recognition. Go ahead, brag about it. You've earned it. Now go enjoy your retirement. You've definitely earned that too. Sue Don’t Retire…Re-Wire!!!
