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Immigrants in the United States earn 10.6% less than similarly educated U.S.-born workers, largely because they are concentrated in lower-paying industries, occupations and companies, according to a major new study published July 16 in Nature, co-authored by a University of Massachusetts Amherst sociologist who studies equal opportunity in employment. The research—one of the most comprehensive global comparisons of immigrant labor market integration to date—analyzes linked employer-employee data from over 13 million people across nine advanced economies in Europe and North America. The U.S. results, drawn from a unique combination of Census Bureau, earnings and employer data, reveal that only about one-quarter of the wage gap is due to pay inequality within the same job and company. Instead, the majority stems from structural barriers that limit immigrants’ access to better-paying workplaces. “These findings are important because they show that most of the immigrant wage gap isn’t about being paid less for the same work—it’s about not getting into the highest-paying jobs and firms in the first place,” says Donald Tomaskovic-Devey, professor of sociology and founding director of the Center for Employment Equity at UMass Amherst Key U.S. Findings First-generation immigrants with legal status in the U.S. earn 10.6% less than comparable native-born workers. 3.4%, a third of that gap, is attributable to unequal pay for the same job at the same employer. No data was available on second-generation immigrants in the U.S., but other countries showed persistent but smaller gaps into the next generation. The study suggests that efforts to close immigrant wage gaps should focus on increasing immigrants’ access to better jobs and firms. Promising approaches include: Language and skills training Recognition of foreign credentials Access to professional networks Employer anti-bias interventions “Improving job access is essential,” says co-author Andrew Penner, professor of sociology at the University of California, Irvine. “This means addressing the barriers that keep immigrants out of the highest-paying firms and occupations.” As of 2023, immigrants constituted approximately 14% of the U.S. population, totaling over 47 million people. There are approximately 1 million new long-term permanent residents annually. U.S. immigration policy encompasses diverse pathways, including family-based migration, employment-based visas, the Diversity Visa Lottery and humanitarian protection. Immigration has been a defining feature of the U.S. population since its founding, with distinct waves shaped by economic needs, political developments and global conflicts. “For almost 250 years, we have been a nation of immigrants, and this pay gap indicates that we can do more as a country to help people following the paths of our forebears realize the American dream,” Tomaskovic-Devey adds. Global Comparison The study includes 13.5 million individuals in nine immigrant-receiving countries: the U.S., Canada, France, Germany, Denmark, Netherlands, Norway, Spain and Sweden. The U.S. had one of the smallest pay gaps (10.6%) among the nine countries studied. By contrast, Canada showed a 27.5% gap and Spain a 29.3% gap. The most favorable outcomes for immigrants were in Sweden (7% gap) and Denmark (9.2%). The authors identify two main sources of the immigrant-native pay gap: Sorting—Immigrants are more likely to work in lower-paying industries, occupations and firms. Within-job inequality—In all countries immigrants are paid less than natives doing the same job for the same employer, but these gaps are relatively small. Across the nine countries, three-quarters of the 17.9% average wage gap for immigrants was due to sorting; just one-quarter stemmed from unequal pay within jobs. In the U.S., this pattern was consistent: structural job access—not wage discrimination—was the dominant force. The study also exposes persistent disadvantages for immigrants from certain world regions, including Sub-Saharan Africa, Latin America and the Middle East. Across all countries, immigrants from these regions faced larger wage gaps than immigrants from Western or Asian countries. The international research is the latest in a series of high-profile publications from a team spanning over a dozen countries in North America and Europe that has been investigating the dynamics of workplace earnings distributions for the last decade.
L to R: Professor Helen Wood, Annika Allen and Nadia Afiari (Image: Simon Roberts Photography) Aston University’s Professor Helen Wood led the research for Black Leaders in TV, a company championing Black TV professionals Black in Focus is the first report of its kind and highlights the prevalence, with 92% of respondents reporting prejudicial or discriminatory experiences Recommendations for improvements include mid-career support, changing how Black stories are commissioned and tackling racism and bullying. Black television professionals in the UK’s television industry continue to face persistent barriers to career progression, with progress towards equity and inclusion very slow, according to new research led by Aston University academics. The report, Black in Focus, was produced in partnership with Black Leaders in TV, a company set up to champion Black professionals in the UK television and content creation industry, committed to bridging the representation gap and creating a more inclusive and innovative industry. The research group was led by Professor Helen Wood, a professor of media and cultural studies at Aston University. It also included Aston University’s Dr Killian Mullen and Dr Priya Sharma, alongside Dr Jack Newsinger, associate professor in cultural industries and media at the University of Nottingham. The researchers surveyed 164 Black mid-career television professionals to learn about their experiences. While entry-level diversity efforts have sparked positive change, the researchers say that respondents generally see this as performative, with little genuine progress at mid and senior levels. Of those surveyed, 92% reported experienced microaggressions at work, defined as subtle, often unintentional, comments or actions that express prejudice or discrimination towards them, such as being mistaken for a taxi driver or colleagues continually mispronouncing a name. 80% stated that their careers in television have negatively impacted wellbeing. Almost three-quarters (74%) of respondents said they had been ignored or excluded at work One of the biggest problems highlighted is a persistent ‘club’ culture with career progression often based on informal networks and hires. 91% of the survey respondents reported having no friends or family in the industry, blocking wider access and opportunity. Many Black television professionals still report being labelled as ‘diversity hires’, which negatively impacts their confidence and feeling of belonging in the industry. Black-Caribbean respondents and those from working-class backgrounds report heightened feelings of exclusion. Another major problem found by the report is in programme commissioning, with Black stories often viewed as commercially risky, leading to missed opportunities for richer, more authentic storytelling. The recommendations for improvement are grouped into four categories - breaking the mid-career bottleneck, commission, diversity initiatives, and racism, bullying and inclusion failures. To help with career bottlenecks, the authors’ suggestions include developing a national fellowship scheme to offer structured leadership training, shadowing, and commissioning exposure for Black professionals, setting up a centralised database for Black talent and supporting Black creatives though industry showcases. The television industry could tackle the problems with commissioning for example by incentivising Black-led narratives and requiring commissioning teams to complete anti-bias training. Diversity initiatives should move away from entry-level programmes towards structural change. This includes moving away from informal, network-based recruitment to structured, clear processes, and formalising promotion pathways. The television industry can tackle racism and bullying through zero-tolerance harassment policies, independent reporting mechanisms and sanctions, inclusive leadership training and developing mental health resources specifically tailored to Black professionals. Professor Wood said: “We can hear the voices of frustration in this survey and the data is clear about the problems. It’s time for the industry to use this evidence to take the next steps to deliver real, systemic change.” Black Leaders in TV founders Nadia Afiari and Annika Allen Gray said: “The findings make clear that, for UK television to truly reflect its diverse audiences and unlock creative innovation, the industry must move beyond surface-level diversity efforts. There needs to be support in place for Black professionals, greater transparency in recruitment and progression, and a fundamental shift towards inclusive, equitable workplace cultures.” Visit https://www.aston.ac.uk/sites/default/files/2025-07/Black_in_Focus_report.pdf to read Black in Focus in full.
Taming "The Bear": Villanova Professor Examines Workplace Toxicity in FX's Acclaimed Series
In the latest season of FX’s award-winning series “The Bear,” lead character and chef Carmen “Carmy” Berzatto finds himself at a crossroads. A culinary genius, Carmy has successfully overseen the reinvention of his family’s Italian beef shop as a high-end restaurant—shepherding a dedicated, if unpolished, crew of sandwich makers into a world of haute cuisine, fine wine and elevated service. However, over the course of this transition, his exacting standards have contributed to a culture of anxiety, dysfunction and resentment in the workplace. Despite staff members’ professional and personal growth, tempers still flare like burners on a range, with Carmy’s obsessive attention to detail and single-minded pursuit of perfection spurring conflict. By season’s end, grappling with the fallout from a mixed review seemingly influenced by the back-of-house “chaos,” the chef is forced to confront a complicated and thorny question: Am I getting in the way of my own restaurant’s success? Carmy’s dilemma, while fictional, reflects the very real challenges many modern businesses face when excellence is prioritized at the expense of psychological safety and workplace harmony. Per Manuela Priesemuth, PhD, who researches toxic work climates, aggression on the job and organizational fairness, the warning signs are all too frequently overlooked in high-pressure environments like restaurants. “Some high-stakes industries have a characteristic of having toxic behavior more accepted,” says Dr. Priesemuth. “When it’s more accepted or normed, it’s a real problem.” As she explains, workers in the food service industry, much like medical professionals in an operating room or military personnel in a combat zone, have a tendency to view measured communication and thoughtful interaction as a luxury or even, in some cases, a hindrance. Essentially, there’s a common misconception that working with an edge—yelling orders, avoiding dialogue and berating “underperformers”—gets the job done. “In all of these high-stakes environments where it’s thought there’s leeway to talk negatively or disparagingly, people are mistaken in the productivity result,” Dr. Priesemuth says. “It actually changes for the better in positive climates, because people who are treated with dignity and respect are better performers than those who are mistreated.” To Dr. Priesemuth’s point, research increasingly shows that workplace culture, not just talent or technical ability, is an essential driver of organizational success. In an environment like Carmy’s kitchen, where pride and passion often give way to personal attacks and shouting matches, the on-the-job dynamic can effectively undermine productivity. What may begin as an intended push for excellence can instead result in burnout, high turnover and weakened trust—outcomes that are especially problematic in collaborative, fast-paced industries like hospitality. “There’s even evidence that abusive behavior in restaurant settings can lead to food loss,” shares Dr. Priesemuth. “So, there is a sort of retaliation from the employees who are going through this experience, whether it’s measured [in profit margins] or impact on the customer.” In order to prevent these less-than-ideal outcomes, businesses should take steps proactively, says Dr. Priesemuth. More specifically, they should clearly articulate their values and expectations, considerately engage with their staff’s opinions and concerns and consistently invest in their employees’ growth and development. In the world of “The Bear,” a few of Carmy’s managerial decisions in the second season could be seen as moves in the right direction. At that juncture, he was leveraging his industry connections to provide his restaurant’s staff with the tools and training necessary to thrive in Chicago’s fine dining scene, building skills, confidence and goodwill. “If you give people voice—such as input on the menu, for example, or more autonomy in completing a certain task—it boosts morale,” says Dr. Priesemuth. “It helps people feel that they have input and that they are valued members of the team; it’s this sort of collaborative, positive relationship that increases commitment and performance.” Establishing this type of work culture, grounded in open communication, mutual respect and a shared sense of mission, takes concerted effort and constant maintenance. In situations in which toxicity has already become an issue, as it has in Carmy’s kitchen, the task becomes decidedly more difficult. Typically, it demands a long-term commitment to organizational change at the business’ highest levels. “Adjusting the tone at the top really matters,” says Dr. Priesemuth. “So, if the owner were to treat their chefs and waiters with the dignity and respect that they deserve as workers, that also trickles down to, for example, the customer.” A leader’s influence on workplace morale, she contends, is nuanced and far-reaching. When those in charge model a lack of empathy or emotional distance, for instance, a sort of toxicity can take root. Likewise, when they repeatedly show anger, animosity or frustration, those same feelings and attitudes can have an ingrained effect—regardless of a staff’s talent or ability. Given the outsized role owners, supervisors and managers play in shaping organizational culture, Dr. Priesemuth further notes, “Leaders must also feel that they’re being supported. You can’t have someone who’s exhausted, works 80 hours a week and has relationship and money issues and expect them to say, ‘What are your problems? What do you need?’” In many ways, her insights speak directly to the struggles Carmy faces and prompts throughout “The Bear’s” run. At every turn, he’s dogged by family and relationship troubles, mounting financial pressures and unresolved trauma from a past role. Ultimately, as would happen in real life, his difficulty in healthily processing and addressing these issues doesn’t just harm him; it affects his staff, manifesting itself as a need for control and a crusade for perfection. “There are spillover effects from your own personal life into your job role. In the management field, that has become increasingly clear,” says Dr. Priesemuth. “Whatever you’re going through, whether it’s from an old job or something personal, it will automatically spill over into your current work life and your interactions. And, vice versa, what’s happening to you at work will [impact you off the clock].” In dramatic fashion, the fourth season of “The Bear” concludes with Carmy acknowledging as much. Determining that there are other aspects of his life desperately in need of attention, he surrenders the reins of his business to chef de cuisine Sydney “Syd” Adamu and maître d’hôtel Richard “Richie” Jerimovich, appointing them part-owners. While the soundness of this decision remains a subject for the show’s next season, Carmy justifies the move with a blunt admission: “It’s the best thing for the restaurant. We have to put the restaurant first… I don’t have anything to pull from.” In the end, in both “The Bear” and management studies, there’s an understanding that building healthy and productive work environments requires active engagement and positive reinforcement on the part of leadership. In a sense, creating a strong work culture is shown to be a lot like preparing a phenomenal meal; it’s a matter of attentiveness, patience and care. Without those ingredients, the result could very well be a recipe for disaster.
ChristianaCare and Children’s Hospital of Philadelphia (CHOP) today announce a new strategic affiliation to expand access to world-class pediatric care in Delaware and surrounding communities. The collaboration, which is expected to begin in spring 2026, will enhance access to specialized pediatric care by bringing CHOP’s renowned expertise closer to home for families in the communities ChristianaCare serves in Delaware, Maryland, Pennsylvania and New Jersey. By integrating CHOP’s services with ChristianaCare’s established network, the collaboration will improve care delivery, making advanced pediatric treatments more accessible and reducing the need for families to travel long distances for care. A Bold Step Forward in Pediatric Care “This collaboration brings together two amazing organizations that are already nationally recognized for clinical excellence—and we’re going to be even better together,” said Janice E. Nevin, M.D., MPH, president and CEO of ChristianaCare. “Our affiliation with CHOP marks a bold step forward in our mission to provide the highest quality care to children and families across the communities we serve. These are uncertain times for many parents with young children in need of routine or complex medical care. ChristianaCare and CHOP are joining forces to provide world-class care, close to home, at a time when it’s needed most.” “Bringing seamless, family-centered care to our patients is a priority at Children’s Hospital of Philadelphia,” said Madeline Bell, CEO at Children’s Hospital of Philadelphia. “As one of the region’s most dynamic health systems, ChristianaCare has earned a national reputation for its bold approaches to both clinical care and innovation. Our new affiliation is driven by a shared vision: redefining what is possible in health care and ensuring that every patient — at every stage of life — receives the highest standards of care, from infancy through adulthood.” “Our team at ChristianaCare is excited to work closely with Children’s Hospital of Philadelphia to bring even more specialized care to our community,” said Megan Mickley, M.D., chair of Pediatrics at ChristianaCare. “CHOP’s leadership in pediatric medicine will complement the outstanding care already provided at ChristianaCare, ensuring that our youngest patients receive the most advanced treatments in a compassionate and supportive environment.” Initial Focus and Future Growth This affiliation between ChristianaCare and CHOP represents a significant increase in access to world-class pediatric care for communities in Delaware, Maryland, southeast Pennsylvania and southern New Jersey. CHOP, a global leader in pediatric care and research for over 165 years, is consistently ranked among the top children’s hospitals in the country, known for pioneering breakthroughs across a breadth of pediatric care areas. The affiliation will include all ChristianaCare hospitals and locations where pediatric emergency and inpatients are cared for. The collaboration will initially focus on pediatric and neonatal services. Patients at ChristianaCare will have access to CHOP’s expertise in rare and complex diseases and a wide range of newborn and pediatric services, including surgery, cardiology, neurology, radiology, ophthalmology and genetics, as well as educational and research opportunities. As the collaboration grows, it will explore further opportunities to expand pediatric care and improve health care delivery in the region.
Picture this: a group of women in their 50s and 60s who've collectively decided to stop caring about chin hairs, laundry schedules, and everyone else's opinions. Sound liberating? It should. The New York Times recently profiled Melani Sanders, founder of the "We Do Not Care Club"—a crew of perimenopausal and menopausal women living by one fabulous rule: NO RULES! Their motto might as well be "Chin Hair, Laundry, Your Opinion: We Don't Care." While targeted at a younger demographic, the spirit of this movement resonates loudly among retirees, especially those dancing into their 70s and 80s, with less concern for public opinion and a greater commitment to living life to the fullest. But here's the thing—this "liberation" isn't just about attitude. There's actual neuroscience behind why we become more authentic versions of ourselves (and sometimes more blunt) as we age. Brain Aging & Inhibitory Control Let’s start with the science before we move into sass. Frontal lobe shrinkage: Researchers, including Stephanie Wong, a Research Fellow and Clinical Neuropsychologist, are studying how changes in the brain impact inhibitory control and social cognition as we age. Research shows that as we age, the prefrontal cortex—the brain’s internal social bouncer—begins to shrink. That means less inhibition, more "Oops, did I say that out loud?" moments. Inhibition deficits: Research published in the APA Journal of Neuropsychology shows that older adults find it more challenging to ignore distractions or hold back their impulses. Tasks like "stop-signal" tests reveal a clear decline in impulse control. Disinhibition causes behaviour shifts. Sometimes charming, sometimes awkward. If it's just being unusually honest, that’s one thing. If it's full-on undressing in the produce aisle, it might be time to see a doctor. Particularly with frontotemporal dementia, disinhibition can be a serious warning sign. Emotional Wisdom: Who Cares? Here’s the upgrade part of aging: • Less shame, more self-acceptance. Turns out, as you get older, you care less if Karen from yoga thinks you talk too much. • Socioemotional selectivity theory. As we become aware that time is limited, we stop pretending. Why waste valuable hours pretending to enjoy kale chips or dull book clubs? When to Be Concerned • Normal aging: Some verbal slips, occasional public flatulence, and quirky jokes. • Red flags: Rude outbursts, memory lapses, risky behaviour, and dramatic personality shifts. That might signal more than "aging into your truth." • Impulsivity warning: High impulsivity in older adults can sometimes be associated with early-stage cognitive decline. When uncertain, discuss it—preferably with a professional. TL;DR • Physical: Brain shrinkage leads to fewer filters. • Emotional: Less time means less pretending. • Caution: Disinhibition and cognitive issues suggest it's time for a check-up. Crafting Your Identity After 60 (Before Someone Else Does It for You) Let’s be honest: You already have a brand. Even if you never wrote a tagline or hired a designer, your brand is what people whisper (or shout) about you when you leave the room. It’s how you show up, how you age, and whether you become known as: "The Cranky Codger Complaining About the Price of Lettuce" or "The Glamorous Grandma with a TikTok Following." If you don’t brand yourself, trust me—someone else will. And they might not be as flattering. The Branding Trap of Aging Aging often loosens the filter and tightens the waistband. That’s just biology. But if we’re going to become more blunt, forgetful, and comfortable saying whatever pops into our head, shouldn’t we decide who we want to be first? Instead of becoming The Know-It-All, The Debbie Downer, or The Hovering Grandparent, why not become: • The Mentor • The Lifelong Learner • The Sexy Sensei with Killer Dance Moves And let’s not forget: most of us swore we’d never become our parents. Spoiler alert: unless you act intentionally, you’re heading in that direction, with even worse tech skills. Timing Is Everything (And Also Totally Forgiving) The best time to plant a tree? 30 years ago. The second best? Right after you finish this blog, brush Dorito dust off your fingers, and take action. It’s never too early or too late to develop your personal brand. Think of it as building compound interest, but for your character. Start now before you need a doctor’s note for skinny jeans. Build a Brand That Outlasts Your Wi-Fi Password The goal? Shape a brand that becomes your legacy. Something grandkids remember, communities admire, and mirrors reflect with pride. I’m aiming for Hip, Fit & Financially Free. That means: • Eating like I care • Moving daily • Sleeping like it’s my side hustle • Managing money like I want it to stick around • And fiercely guarding my energy from sugar crashes and toxic people Avoid These Unintentional "Elder Brands" • The Cranky Codger: Complains constantly, hates oat milk, gives paper cuts with sarcasm. • The Sweet Old Lady: Harmless and charming—and almost invisible. So sweet, she could give you cavities. Stands for nothing, falls for everything. • The Know-It-All: Believes Google exists solely to confirm their opinions. • The Nona/Nono: Helicopter grandparenting, over-involved, uses spit to clean your face in public. Attract These Brands Instead: 1. Glammy or Glampa 2. Wise Old Owl 3. Sexy Sensei 4. Unstoppable Opa Tips for Maintaining Youth in Mind, Body & Spirit 1. Hang out with younger people—use their slang, apps, and playlists. 2. Volunteer—Gratitude is more effective than Botox. 3. Mentor—your wisdom is not meant for hoarding. 4. Move every day—your joints might protest now, but they'll thank you later. 5. Protect your energy—eat healthy, sleep well, say no to nonsense. 6. Be mindful of your screen time—doomscrolling drains your spirit. 7. Keep learning—new languages, new tech, and new ways to be awesome. Legacy is the Long Game You don’t need to run marathons at 85 (though if you do, I’ll cheer wildly). But you should ask: "How do I want to be remembered?" Learn Italian at age 70. Take a gap year at 65. Get an MBA at 69 (worked for me!). Write your eulogy and then live it. Age isn’t a liability. It’s your proof of resilience. Now’s your opportunity to demonstrate that to the world. So, what’s your brand, Boomer? Because like it or not, you’ve got one. It’s showing up in every family dinner, work Zoom, golf game, and passive-aggressive Facebook post. The only question is — did you choose it… or did you just inherit the ‘We Do Not Care Club’ starter pack? Maybe we don't care about chin hair, laundry, or your opinion — but we do care about how we’re remembered. That’s your real brand, Boomer. So, you can either define it — or let your grandkids do it for you… and trust me, they’ve already got the group chat ready! So go ahead. Print those business cards that say something fabulous. Brand Strategy at Any Age: Intend it. Live it. Leave it behind. Stay hip. Stay fit. Stay financially free. And stay tuned. There’s more coming next week. Spoiler: There will be laugh lines and a squat rack. Don’t Retire … Re-Wire! Sue
The Canadian Housing Market is a Mess
The Social Contract is Broken—And We Forgot to Tell Our Kids There was a time in Canada when the rules seemed straightforward: work hard, stick to the plan, and your kids would have an even better future than you did. That was the unspoken social contract—not legally binding, but deeply believed. A handshake between generations, sealed with maple syrup and mutual optimism. You purchased a modest home, stayed with one employer for 30 years, and retired with a gold watch, a pension, and a house you owned outright. Life wasn’t flashy, but it was fair. And your kids? They would climb even higher. Well… about that! The Housing Market: From Stepping Stone to Stumbling Block Homeownership used to be a rite of passage. Now it feels more like winning The Amazing Race: Toronto Edition. According to Statistics Canada housing data, in 1990, the average Canadian home sold for approximately $215,000. Fast-forward to late 2023–early 2024, and that number has ballooned to around $670,000–$700,000 on average —a more than 200–225% increase in just over three decades. Meanwhile, wages didn’t get the memo. Since 1990, they’ve only doubled. So, while home prices soared, incomes shifted to the kitchen for more instant noodles. It's not just a gap—it’s a canyon. Sure, there was a housing correction in the early ’90s. But if you’re under 40, you’ve never seen a price drop—only stable prices (on a good day). Meanwhile, boomers and older Gen Xers bought homes when down payments didn’t require a GoFundMe page. Boomers Rode the Rocket—Then Pulled Up the Ladder Let’s be honest: we did quite well. If you purchased property in the ’70s, ’80s, or ’90s, you benefited from a wave of equity that transformed retirement into a cruise ship brochure. For many, the house became the largest—and only—source of real wealth. We got used to it. Then we got protective. Then... well, a bit smug. • NIMBYism? Guilty. • Zoning restrictions? Voted yes. • Capital gains reform? Over my arthritic body. • Preferred Pronouns – Me, Myself and I We feared anything that could lower our property values. A 25% correction? Not in my golden years! But that might be what it takes to give our kids a fair shot. We told them to "work hard," then quietly reinforced a game they couldn’t win. We Told Them to Hustle—Then Rigged the Game Today’s young Canadians aren’t lazy; they’re exhausted. They’ve done everything we asked—degrees, careers, even side hustles—and still can’t afford a 500-square-foot shoebox in Toronto without cashing in their RRSPs or moving back into our basements. By the way, they’re doing this—not because they missed us, but because rent is eating up half their paycheque and still asking for dessert. Even worse? Many are looking abroad, not for a gap year, but for an economy in which they can participate—one where they might be able to afford a home and groceries in the same month. If the best and brightest are quietly packing their bags, it’s not wanderlust; it’s a policy failure. There’s now a whole ecosystem catalyzed by everything from consultants to cloud-based software and payment platforms that has aided a global movement of “creative-class” digital nomads. For those who want a more affordable cost of living and have the skills necessary to work remotely, this generation has options to move. In "Intelligent Money," author Chris Skinner envisions a future where AI-powered financial systems won’t just advise against homeownership—they’ll actively discourage it. Why commit to mortgage debt when you can rent flexibly, invest digitally, and maintain liquidity in your life? Not a dream, but a necessity. We told them to pull up their socks. They’re wondering if we sold their shoes. What Happened to Profit Sharing? Remember when companies used to share their success? Microsoft, Google, and yes, still Costco, offered profit-sharing or stock options that turned employees into unexpected millionaires. It wasn’t charity; it was a fair deal. Then gig work emerged, HR departments disappeared, and the only thing we shared was burnout. We need to restore fairness—perhaps even incentivize companies that value loyalty. Renter Equity Accounts: A Radical Concept—Equity You're not building wealth if rent is more than 30% of your income. You’re funding someone else’s retirement. So, here’s a thought: when rent exceeds 30%, why don’t we match the excess—25% to 50%—and deposit it into a locked “Renter Equity Account”? It grows tax-free and can be used for: • A down payment • Retirement savings • Student debt relief • Emergency funds Employers could contribute to REA plans. Governments could provide incentives, and renters could finally receive more than just a rent receipt and a pat on the back. It's Time for Bold, Practical Ideas We can’t rewind to 1990. (Although the fashion world is trying.) But we can fix what’s broken: Let Canadians earn their first $250,000 tax-free, provided it is used for a down payment or to eliminate student loans. That’s helping reduce overall debt. Ensure zoning reform is effective by linking federal infrastructure funding to genuine housing development. Establish public wealth tools - TFSA-style accounts for low-wealth, high-effort Canadians. Forgive student loans for public service, specifically for individuals filling positions such as nurses, teachers, early childhood educators, and tradespeople, with added incentives for those relocating to underserved areas. Invest in them, and they will reinvest in us. What Families Can Do—Right Now No, you can’t rewrite national policy from the kitchen table. (Unless you’re Chrystia Freeland.) But here’s what you can do: Start a down payment fund—consider using a TFSA or an investment account to help your kids build capital. Create an ADU—laneway homes, granny suites, legal basement rentals. Housing and support combined. Access your home equity—HELOCs or reverse mortgages can be lifelines, not luxury options. Create a rent-to-own family plan—turn monthly rent into future equity. Discuss finances—share your successes, warn against mistakes, and share the financial knowledge you’ve gained from hard lessons. An Apology—from the Heart To our kids and to the next generation, we should say we’re sorry. We didn’t plan for this outcome. We assumed the paths we walked would still be open for you, that the same rules would still apply, and that equity would be available to all. We forgot that a contract—even an unspoken one—still needs to be honoured. But it’s not too late. We can speak out. We can share our thoughts. We can change the policies, shift the mindsets, and reopen the doors that have been closed, because the future of this country shouldn’t be something you have to leave to find. Let’s fix this. So, you can stay. And thrive. And lead. Let’s rebuild the contract together. Deal? Don’t Retire … Re-Wire! Sue
School will soon be out for the summer, and many young families are opting to explore the beauty of their own country, travelling to top destinations like Toronto, Vancouver, and Halifax rather than heading south. While many travellers prioritize insurance for international trips, a recent CAA survey found that many people overlook the necessity of travel insurance for domestic travel, often assuming provincial healthcare will have them covered. "Exploring Canada’s breathtaking landscapes is an adventure worth taking, but unexpected travel hiccups don’t stop at the border,” says Susan Postma, regional manager, CAA Manitoba. “Whether it’s a sudden medical emergency or trip disruptions, having the right travel insurance ensures you can focus on making memories." A new national travel survey conducted for CAA reveals that nearly four in ten Canadians (39 per cent) travelled outside their home province without any form of travel insurance during their last trip. Some believed it was unnecessary (45 per cent), others worried about the cost (22 per cent), and 19 per cent took their chances, hoping nothing would go wrong. The reality? Provincial health insurance programs typically cover only basic emergency medical services when travelling in another province. “Many Canadians assume they’re fully protected when travelling within the country, but that’s simply not the case,” says Postma “A minor mishap can become a major expense, whether a broken ankle on a hike or a last-minute interruption.” Here are two unexpected ways travel insurance can help: You break your ankle while hiking on one of Canada’s beautiful nature trails and now need an ambulance or an airlift, crutches, and medication. You’re on vacation but must return unexpectedly because someone at home gets seriously ill. In stressful situations, like when a family member falls ill, it helps to have support when you need it. Trip Cancellation Insurance would cover the flight change fee and help get you back home. According to Orion Travel Insurance, part of the CAA family, the average medical claim cost has risen by 15 per cent annually since 2019, with everything from ear infections to air ambulance services becoming significantly more expensive. Here are ten additional tips to help your trip go smoothly, no matter where you travel. Know the cancellation policies and check limits or restrictions for everything you booked. Make sure you understand any key dates related to cancellations or changes. This includes accommodation, flights, car rentals, tours, and cruises. Check limits or restrictions on credit cards, employee benefits, and pensions to determine if you need additional travel insurance coverage. Make sure all your documentation is in order before you book. It is recommended that passport renewals be completed six months before your planned trip. Your passport should still be valid six months after your travel date, as this is required in several countries. There are varying documentation requirements, so make sure you fully understand what information you need to have ready and in what format. Read up on Government of Canada travel advisories for your destination. Understand the risk level associated with travel to a particular destination by checking the Government of Canada Travel Advice and Advisories website. Individual travel advisories remain on a country-by-country basis. It is important that Ontarians/Manitobans understand the ongoing uncertainty associated with international travel. Speak with your physician to discuss your travel plans. It is important that you speak to your physician to ensure you are up to date with needed travel vaccines and have them prescribe enough medication for the length of your trip. Ensure all the medication you take is packed in your carry-on and in its original bottles with labels intact. Consider purchasing travel insurance at the time of booking your trip. To lock in the best protection, book your travel insurance at the same time you book your trip. Booking Trip Cancellation or Interruption insurance will give you peace of mind that you and your investment are protected. Insurance must be in place before things go wrong for you to benefit from coverage. Get to the airport early. The old standby of being at the airport one hour before takeoff for domestic flights and two hours before international flights no longer apply. CAA recommends arriving at the airport at least two hours before domestic flight departures and at least three for international flights. Stay connected. It is important to have access to trusted, up-to-date information while travelling so you can monitor changing conditions and requirements and adapt accordingly. Bookmark the Global Affairs Canada website before departure and check it regularly while abroad. It is also a good idea to sign up for Registration of Canadians Abroad and stay in touch with a family or friend who knows your travel plans. Find these and more information at caamanitoba.com/travelwise Note emergency contact numbers. Provide your travel agent with contact details while travelling abroad and keep all important phone numbers handy; this includes how to call for help and your travel insurance assistance phone number. It is also a good idea to keep a physical copy of all their reservation information and leave those details with a friend or family member. Protect your ID. Ensure you have a digital and paper version of your Travel insurance wallet card, tickets to various events and attractions, and even your passport. You may also want to leave a copy of the necessary paperwork with family members or friends. Pack your carry-on wisely. Include the most important items, such as your passport/ID, boarding pass, travel itinerary, wallet, phone, charger, medications, toiletries, glasses/contacts, noise-canceling headphones, book/e-reader, snacks, empty water bottle, travel pillow, change of clothes, sweater, socks, pen, and reusable bags, in your carry-on bag. For more information on travel insurance and how to stay protected, visit caamanitoba.com/travelwise Based on the sample size of n=2,005 and with a confidence level of 95%, the margin of error for this research is +/- 2%.)
School will soon be out for the summer, and many young families are opting to explore the beauty of their own country travelling to top destinations like Vancouver, Calgary and Halifax rather than heading south. While many travellers prioritize insurance for international trips, a recent CAA survey found that many people overlook the necessity of travel insurance for domestic travel, often assuming provincial healthcare will have them covered. "Exploring Canada’s breathtaking landscapes is an adventure worth taking, but unexpected travel hiccups don’t stop at the border,” says Kaitlynn Furse, Director Corporate Communications, CAA SCO. “Whether it’s a sudden medical emergency or trip disruptions, having the right travel insurance ensures you can focus on making memories." The national travel survey conducted for CAA reveals that four in ten Ontarians (41 per cent) travelled outside their home province without travel insurance during their last trip. Some believed it was unnecessary (43 per cent), others worried about the cost (24 per cent), and 20 per cent took their chances, hoping nothing would go wrong. “Many Canadians assume they’re fully protected when travelling within the country, but that’s simply not the case,” adds Furse. A minor mishap can become a major expense, whether a broken ankle on a hike or a last-minute interruption.” Here are two unexpected ways travel insurance can help: You break your ankle while hiking on one of Canada’s beautiful nature trails and now need an ambulance or an airlift, crutches, and medication. You’re on vacation but must return unexpectedly because someone at home gets seriously ill. In stressful situations, like when a family member falls ill, it helps to have support when you need it. Trip Cancellation Insurance would cover the flight change fee and help get you back home. According to Orion Travel Insurance, part of the CAA family, the average medical claim cost has risen by 15 per cent annually since 2019, with everything from ear infections to air ambulance services becoming significantly more expensive. Here are ten additional tips to help your trip go smoothly, no matter where you travel. Know the cancellation policies and check limits or restrictions for everything you booked. Make sure you understand any key dates related to cancellations or changes. This includes accommodation, flights, car rentals, tours, and cruises. Check limits or restrictions on credit cards, employee benefits, and pensions to determine if you need additional travel insurance coverage. Make sure all your documentation is in order before you book. It is recommended that passport renewals be completed six months before your planned trip. Your passport should still be valid six months after your travel date, as this is required in several countries. There are varying documentation requirements, so make sure you fully understand what information you need to have ready and in what format. Read up on Government of Canada travel advisories for your destination. Understand the risk level associated with travel to a particular destination by checking the Government of Canada Travel Advice and Advisories website. Individual travel advisories remain on a country-by-country basis. It is important that Ontarians/Manitobans understand the ongoing uncertainty associated with international travel. Speak with your physician to discuss your travel plans. It is important that you speak to your physician to ensure you are up to date with needed travel vaccines and have them prescribe enough medication for the length of your trip. Ensure all the medication you take is packed in your carry-on and in its original bottles with labels intact. Consider purchasing travel insurance at the time of booking your trip. To lock in the best protection, book your travel insurance at the same time you book your trip. Booking Trip Cancellation or Interruption insurance will give you peace of mind that you and your investment are protected. Insurance must be in place before things go wrong for you to benefit from coverage. Get to the airport early. The old standby of being at the airport one hour before takeoff for domestic flights and two hours before international flights no longer apply. CAA recommends arriving at the airport at least two hours before domestic flight departures and at least three for international flights. Stay connected. It is important to have access to trusted, up-to-date information while travelling so you can monitor changing conditions and requirements and adapt accordingly. Bookmark the Global Affairs Canada website prior to departure and check it regularly while abroad. It is also a good idea to sign up for Registration of Canadians Abroad and stay in touch with a family or friend who has knowledge of your travel plans. Find these and more information at caasco.com/travelwise Note emergency contact numbers. Provide your travel agent with contact details while travelling abroad and keep all important phone numbers handy; this includes how to call for help and your travel insurance assistance phone number. It is also a good idea to keep a physical copy of all their reservation information and leave those details with a friend or family. Protect your ID. Ensure you have a digital and paper version of your Travel insurance wallet card, tickets to various events and attractions, and even your passport. You may also want to leave a copy of important paperwork with family members or friends. Pack your carry-on wisely. Place the most important items like passport/ID, boarding pass, travel itinerary, wallet, phone, charger, medications, toiletries, glasses/contacts, noise-canceling headphones, book/e-reader, snacks, empty water bottle, travel pillow, change of clothes, sweater, socks, pen, and reusable bags in your carry-on bag. For more information on travel insurance and how to stay protected, visit caasco.com/travelwise Based on the sample size of n=2,005 and with a confidence level of 95%, the margin of error for this research is +/- 2%.)
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
What is Immigration and Customs Enforcement (ICE)?
Immigration and Customs Enforcement (ICE), one of the most controversial federal agencies in the United States, plays a central role in enforcing immigration laws and maintaining national security. Created in the aftermath of 9/11 as part of the Department of Homeland Security (DHS), ICE was established to consolidate and streamline immigration enforcement. Over the past two decades, it has become a lightning rod for political and ethical debate—raising urgent questions about border control, civil liberties, and immigration reform. As the national conversation around immigration intensifies, understanding the origins, structure, and impact of ICE remains critically important. Key story angles include: The Origins of ICE Post-9/11: Tracing the agency’s creation in 2003 under DHS and its intended role in counterterrorism and immigration enforcement. How ICE Operates Today: Breaking down ICE’s structure, including Enforcement and Removal Operations (ERO) and Homeland Security Investigations (HSI). Controversies and Public Backlash: Investigating high-profile incidents, including family separations, detention center conditions, and deportation raids that have sparked widespread protest. The Politics of Immigration Enforcement: Exploring how ICE has become a partisan issue, with calls for its reform, defunding, or abolishment emerging from activists and lawmakers. The Human Impact of ICE Actions: Highlighting stories of immigrants, asylum seekers, and communities affected by ICE policies and practices. Future of Immigration Enforcement: Examining policy proposals for reforming ICE, improving transparency, and addressing legal and ethical concerns in a changing demographic landscape. As immigration remains one of the most urgent and divisive issues in American politics, ICE stands at the heart of the debate—making its history, purpose, and evolving role a vital topic for journalists and the public to understand. Connect with our experts about the origins and role of ICE : Check out our experts here : www.expertfile.com