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Canada’s RRSP Program Has Too Many Jobs
Summary: Since its inception in 1957, the Registered Retirement Savings Plan (RRSP) has been a cornerstone of Canada’s retirement system. However, the RRSP has taken on roles far beyond its original mandate, notably through the Home Buyers’ Plan (HBP) and the Lifelong Learning Plan (LLP). Although these programs provide short-term benefits, they significantly damage the long-term health of Canadians' retirement savings. This article explores how these additional roles are sabotaging retirement savings, highlights statistics about the state of RRSPs today, and discusses the disastrous impact these trends will have on future retirees. While listening to a recent economic presentation by Don Drummond, TD Bank's Chief Economist at the Mortgage Professionals Canada conference, the following stat stood out to me: "Median RRSP savings are $146K (RRSPs have been in existence for 6 decades)" I was stunned by how low this value was. Even with a government pension, in today's economic climate, to achieve a successful retirement, we need more than $146K saved. This prompted me to explore how the average value of RRSPs in Canada could be so low after some of us have had as much as 60 years to save. The average senior aged 65 in Canada receives $18,197 per year from OAS and CPP. If qualified for GIS, they would receive another $15,186 annually, for a total of $33,338 annually. This isn't much income, especially for homeowners who must pay for property taxes, utilities, upkeep, and maintenance. How it All Began At inception, the RRSP was called a Registered Retirement Annuity and was created in 1957. At the time, Canadians could contribute up to 10% of their income to a maximum of $2,500 annually. The goal was to give all Canadians the same tax benefits as members of registered employer-sponsored pension plans. Benefits of the RRSP Plan 1. Tax-Deferral: Contributions to an RRSP are tax-deductible, which can reduce your tax bill. 2. Tax-Free Growth: Your savings grow tax-free while the money is in the plan. 3. Retroactive: You can carry forward any unused contribution room to future years. The Multitasking Disaster Studies show that people are dreadful at multitasking; the same is true of government programs. Here is where the program went wrong. In 1992, the Home Buyer’s Plan (HBP) was made more flexible, which allowed first-time homebuyers to withdraw RRSP funds to buy a house. Then, in 1999, the Lifelong Learning Plan (LPP) was introduced, which permitted withdrawals to pay for education. The Home Buyers' Plan (HBP) was not introduced in 1957 alongside the Registered Retirement Savings Plan (RRSP) creation. Instead, the HBP was introduced in 1992 as a federal initiative to help Canadians buy their first homes by allowing them to withdraw funds from their RRSPs without tax penalties as long as they met specific conditions. Here's a timeline of crucial HBP withdrawal limits since its inception: Timeline of HBP and LLP Withdrawal Limits: 1992 - Introduction of the HBP • Maximum Withdrawal Limit: $20,000 per individual. • Purpose: To help first-time homebuyers purchase or build a home. 1999 – Introduction of Lifelong Learning Plan (LLP) • The annual withdrawal limit is $10,000 per individual • The lifetime withdrawal maximum is $20,000 per individual 2009 - First HBP increase • New Limit: $25,000 per individual. • The increase was introduced as part of federal budget changes to reflect rising housing costs. 2019 - Second HBP Increase • New Limit: $35,000 per individual. • Announced in the 2019 federal budget to support affordability for first-time homebuyers. 2019 -HBP Enhancement for Life Events • The HBP was expanded to allow individuals experiencing a marriage or common-law partnership breakdown to participate, even if they were not first-time homebuyers. 2024 - Recent increase • New Limit: $60,000 per individual. • The increase was introduced as part of federal budget changes to reflect rising costs. A Flawed Strategy The Home Buyers' Plan (HBP) and Lifelong Learning Plan (LLP) were introduced in Canada as tools to make housing and education more accessible. While well-intentioned, these programs effectively allow individuals to borrow from their future retirement savings—a strategy that can have significant negative consequences. Ask any high school economics student, and they will tell you that compromising two of the three main elements (principle and time) in investing growth will lead to a disappointing return. Here is the formula: principle X interest + time = compounded return. Are We Borrowing From the Future to Pay for Today? The Problem with the Home Buyers’ Plan (HBP): Addressing Housing Affordability at the Expense of Retirement The HBP permits individuals to withdraw up to $60,000 from their RRSP to buy a first home. In an environment of rising house prices, this measure may help buyers cobble together a down payment, but it drains retirement funds. The funds are unavailable to grow tax-free over decades, diminishing the compounding returns essential for retirement security. The Problem with the Lifelong Learning Plan (LLP): Financing Education by Sacrificing Retirement The LLP allows up to $20,000 in RRSP withdrawals to fund education, which can help individuals upskill. However, education often doesn’t yield immediate returns, and the withdrawn funds lose their growth potential, including the compounded returns. Why This Harms Future Retirees Issue #1: Loss of Compounding Growth Withdrawals disrupt the power of compounding, which is vital for retirement savings. For example, $35,000 left in an RRSP for 25 years at a 6% annual return could grow to over $150,000. If that same $35,000 were withdrawn 15 years ago and repaid over the same period as required by the HBP program, it would be worth $54,311, a loss of $95,689 Issue #2: Repayment Struggles While repayments are required, life’s expenses (mortgage, childcare, loans) often make it hard to repay on schedule. Failure to repay means the amount withdrawn is added to taxable income, further reducing the effectiveness of the programs. Issue #3: Insufficient Savings Most Canadians are already under-saving for retirement. Encouraging them to dip into their RRSPs exacerbates this shortfall. Two Different Problems. One Harmful Solution Housing Affordability Rising house prices are driven by supply-demand imbalances, speculation, and policy failures—not a lack of down payments. Increasing the HBP withdrawal limit does nothing to address the root causes of affordability, but it may drive prices higher by giving buyers more purchasing power. Retirement Security Retirement savings should be preserved and grown to ensure financial stability in later years. Programs like HBP and LLP blur the line between short-term needs and long-term planning. Why Would our Government Do This? Political Expediency Housing affordability and access to education are politically sensitive issues. Allowing individuals to tap into their RRSPs is a cost-neutral policy for the government (unlike direct subsidies or programs). Policies like these help politicians get elected or stay in office. And in proper political form, these policies only tell half the story. Vote for us because we will help you buy your first home, which is a great campaign strategy. Vote for us because we will make it look like we help you buy your first home when, in fact, we will set up a program that will allow you to borrow from yourself at the cost of your retirement, which is political suicide. Short-Sighted Economic Policies Policymakers may believe that homeowners and educated individuals are more financially secure, even if their retirement savings are compromised. The logic might be that owning a home or having better job prospects could mitigate future hardship. Assuming Home Equity is a Safety Net The government might assume that homeownership ensures financial stability in retirement. However, this overlooks that rising housing costs often mean seniors have high debt levels or are "house rich but cash poor." The Bigger Problem with the HBP and LLP Programs: No Warnings or Education Given to Canadians Neither the HBP nor the LLP adequately informs individuals of the long-term consequences of their decisions. To make matters worse, the participants of these programs will likely realize the impact once it is too late to take action. People considering retirement are often in their late 50s to early 60s, past their prime saving years. Borrowing from retirement accounts may seem like “borrowing from yourself,” but this lost growth can never be recouped. Many Canadians are not well enough informed to assess these trade-offs, leading to decisions that harm their financial future. In Case You’re Thinking, These Seniors Have Inadequate Savings - But at They At Least their Homes. The HBP and LLP programs may reflect a government view that seniors would be better off owning a home than relying solely on inadequate savings. But this is flawed for a number of reasons: A home is not a liquid asset—it cannot pay for groceries or healthcare. Also, Seniors with insufficient retirement savings often need help with financial distress despite owning property. They sometimes need reverse mortgages or sell their homes out of desperation. An Unfortunate Misguided Solution Rather than “quick fixes” that appear to solve immediate challenges while creating long-term problems, the Federal government should instead focus on longer-term, systemic solutions For housing: Governments need to curb speculative investments and provide targeted assistance for first-time buyers. Plus they need to focus on programs that increase housing supply, such as income tax incentives for homeowners to build accessory dwelling units (ADUs). These units could be rented out or used for caregivers. Or adopt a policy allowing first-time home buyers to not pay tax on their first $250,000 of income. First-time home buyers could use the tax savings as a down payment. For Education: Governments need to expand grant programs and low-interest loans to prevent reliance on retirement funds. This will not only help us increase the number of skilled workers to fill critical gaps in vital sectors such as technology, healthcare engineering and the trades. It will also contribute to a higher GDP and build a more sustainable tax base for future generations. Encouraging Canadians to steal from their future is not a sustainable strategy. Retirement savings should be viewed as sacred - not a piggy bank for solving unrelated issues. Don’t Retire … Re-Wire! Sue
J.S. Held Experts Examine Crypto’s Pitfalls and Potential
The global cryptocurrency market has surged to a staggering USD 3.4 trillion. However, alongside this rapid expansion, significant challenges and risks continue to emerge. The J.S. Held 2025 Global Risk Report examines the evolving landscape of crypto and digital assets, highlighting both the potential and the pitfalls of this dynamic sector. The explosion of cryptocurrency adoption across industries—from gaming to decentralized finance (DeFi)—has led to increased regulatory scrutiny and security concerns. With the expected growth in the number of users to exceed 107.3 million in the market by 2025, every sector is looking at what crypto and this blockchain technology can do to transform their business. Even the gaming industry has entered the crypto space with bridging services offering “Play-to-Earn” (P2E) games. While anonymity remains a key feature in both the risk and success of cryptocurrency, the concept of “Know Your Customer” on centralized platforms is still required but continues to evolve because not all anonymity is evil. Despite regulatory, environmental, geopolitical, and other business risks, the J.S. Held 2025 Global Risk Report reveals how the crypto industry continues to evolve, offering new opportunities for businesses and investors around: Enhanced Transparency & Security Regulatory Clarity Education & Compliance Digital Identity Solutions “With regulatory frameworks tightening globally—from the European Union’s Markets in Crypto-Assets (MiCA) law to China’s outright ban—the future of crypto remains at a critical inflection point,” observes J.P. Brennan, Global Head of Fintech, Payments, Crypto Compliance and Investigations at J.S. Held. “As the industry matures, the balance between risk mitigation and innovation will shape the next phase of digital asset adoption,” J.P. Brennan adds. J.P. Brennan examines the crypto risks and opportunities outlined in the 2025 J.S. Held Global Risk Report in this video: Cryptocurrency and digital asset risk is just one of the five key areas analyzed in the J.S. Held 2025 Global Risk Report. Other topics include sustainability, supply chain, Artificial Intelligence (AI) and data regulations, and managing cyber risk. If you have any questions or would like to further discuss the risks and opportunities outlined in the report, please email GlobalRiskReport@jsheld.com. To connect with J.P. Brennan, simply click on his icon now. For any other media inquiries - contact : Kristi L. Stathis, J.S. Held +1 786 833 4864 Kristi.Stathis@JSHeld.com
ChristianaCare is enhancing care options in Milford, Delaware, with the addition of two highly skilled physicians to better serve the community's growing health needs. Chinwe Ike-Chinwo, M.D., is a board-certified primary care physician with a special interest in preventive medicine. Thinesh Sivapatham, M.D., is a fellowship-trained neurointerventional surgeon and member of ChristianaCare's Neurointerventional Surgery team, specializing in minimally invasive techniques to treat conditions affecting the blood vessels of the head, neck and spine, including strokes and aneurysms. The practice is located at Halpern Plaza, 701 N. DuPont Blvd. To schedule an appointment, patients can call 302-725-3420. Convenient and Accessible Primary Care At the new ChristianaCare Primary Care at Milford practice, Ike-Chinwo is passionate about building long-term relationships with her patients, helping them achieve optimal health through personalized care. “I am excited to serve the Milford community and help individuals achieve their best health,” she said. “Through prevention, chronic disease management and wellness care, we aim to support our patients in leading healthier, more fulfilling lives.” Ike-Chinwo introduces herself in this video. The primary care practice offers a comprehensive range of services to adult patients, including sick visits, immunizations, physical exams, preventive screenings and treatment for both acute and chronic conditions and women’s health. The practice is open Monday through Friday, from 8 a.m. to 4:30 p.m. In March 2025, the practice will welcome a second provider. In April 2025, the Milford site will also offer ChristianaCare’s My65+ program, which focuses on preventive care and chronic disease management for patients 65 and older. The providers at ChristianaCare’s new Milford location will play a crucial role in addressing the growing health care needs of Sussex County, which is experiencing rapid population growth, particularly among older adults. Sussex County has been designated as a Medically Underserved Area by the federal government, with projections showing that the population will increase from 237,378 in 2022 to over 361,000 by 2050, further intensifying the demand for primary care services. As the demand for primary and specialty care in Sussex County grows, especially among older adults, ChristianaCare is committed to meeting the health care needs of the community with personalized, patient-centered care. “Our mission is to make high-quality, compassionate care accessible to every resident of the communities we serve,” said Priya Dixit-Patel, M.D., physician executive for Core and Advanced Primary Care at ChristianaCare. “As primary care providers remain in short supply in many areas like Milford, we are focused on delivering care that can prevent disease, manage chronic conditions, and improve overall well-being, particularly for older adults.” Specialized Neurointerventional Consults Close to Home Sivapatham is excited to bring neurointerventional care to the Milford community and surrounding areas. “Neurointerventional Surgery is a highly specialized field that is often only found in larger metropolitan areas,” said Sivapatham, who speaks about treatment for stroke in this video. “I look forward to working closely with patients to ensure they receive the same high-quality care right here in Sussex County.” Kim Gannon, M.D., Ph.D., medical director of the Comprehensive Stroke Program and physician executive of the Neuroscience Service Line at ChristianaCare, highlighted the importance of improving access to physician consults for patients in Sussex County. “Providing neurointerventional care closer to home significantly improves access to specialized services for stroke patients who might otherwise need to travel to Newark,” said Gannon. “We want to ensure that patients receive the ongoing care and support essential for their recovery and long-term health at a location close to where they live.”
In another milestone commitment to community health, ChristianaCare today announced a $1.6 million investment in 25 local nonprofits, unveiling the recipients of its Community Investment Fund during a special celebration at The Ministry of Caring in Wilmington. Since 2019, ChristianaCare’s Community Investment Fund has provided more than $5.6 million to 64 organizations, addressing social, behavioral and environmental health factors. ”ChristianaCare is empowering and supporting our nonprofit partners so they can help meet the many needs of the people they serve, and work with us to improve patient health and create healthy communities and a healthy Delaware,” said Bettina Tweardy Riveros, chief health equity officer at ChristianaCare. This year’s recipients received funding to support health improvement initiatives in neighboring communities and address critical issues and community needs. “Each of these recipients is making a significant and positive impact by addressing critical health challenges throughout our communities, including food insecurity, housing insecurity and environmental health. At ChristianaCare, we are honored to be joining forces with these 25 organizations to provide them with more resources so that they do more for those in need. It is another way we care for our community,” she said. The funded initiatives will be implemented throughout the upcoming year and were selected based on the quality of applicants’ proposals and implementation plans, and on the alignment of their proposals with the critical issues prioritized by the community in ChristianaCare’s Community Health Needs Assessment and Community Health Implementation Plan. Recipient Spotlight: Healthy Food for Healthy Kids "The impact of ChristianaCare’s 2024 Community Investment Awards funds on Healthy Foods for Healthy Kids will be felt not only in 2025 but for years to come. This funding will expand our program to an additional school, serving over 600 more students, and support data and research for future growth." Healthy Food for Healthy Kids, Lydia Sarson, Executive Director. Recipient Spotlight: Project New Start “Approximately 85% of the justice-involved individuals served by Project New Start are housing and food insecure. With ChristianaCare’s 2024 Community Investment Fund Award to Project New Start, which began 11/01/24, we have already been able to assist 23 individuals with clothing and household goods; 20 individuals with transportation assistance; 17 individuals with food support; and 7 individuals with housing as of 12/31/24. The impact of these funds cannot be overstated as this investment by ChristianaCare provides Project New Start the means to provide the critical basic needs an individual requires to live with dignity without the trauma of worrying about where they will sleep, how they will eat and how they can sustain employment. We are so grateful to ChristianaCare for their ongoing support.” Priscilla Turgon, Founder and Executive Director of Project New Start, Inc. Recipient Spotlight: YMCA of Delaware - Central YMCA Supportive Housing Program “The Central YMCA Supportive Housing Program, in partnership with Christiana Care, serves low-income men at risk of homelessness who often face trauma, addiction, disabilities or lack of family support. Through stable housing, nutritious meals, welcome packages, rental assistance and supportive activities, the program fosters community wellbeing, improves health outcomes, prevents homelessness and empowers residents to achieve self-sufficiency.” Jimia Redden, Executive Director of Housing. This year’s Community Investment Fund recipients are: • AIDS Delaware: AIDS Delaware’s mission is to eliminate the spread and stigma of HIV/AIDS, improve the lives of those living with HIV/AIDS and promote community health through comprehensive and culturally sensitive services, education programs and advocacy. • Black Mothers in Power: Black Mothers in Power seeks to eradicate racial health disparities for Black birthing people and Black babies throughout Delaware. • Boys & Girls Club of DE: Boys & Girls Clubs of Delaware inspires and enables young people, especially those most in need, to reach their full potential as productive, responsible, caring citizens. • Children and Families First DE: Children & Families First is one of Delaware's oldest and most trusted non-profit leaders in providing the supports and services children and their families need to thrive. • Claymont Community Center - Brandywine Resource Council: Claymont Community Center is a base for a variety of community organizations supporting educational, social, recreational, cultural, personal development, financial and wellness needs. • Delaware Center for Horticulture: The Delaware Center for Horticulture cultivates greener communities by inspiring appreciation and improvement of the environment through horticulture, education and conservation. • Delaware Futures, Inc: Delaware Futures empowers at-promise high school and middle school youth across the state of Delaware by providing year-round, trauma-informed curricula tailored to students at each grade level. • Delaware Nature Society: Delaware Nature Society connects people and nature to create a healthy environment for all through education, conservation and advocacy. • Do Care Doula: Do Care Doula provides grant-funded Doula training and development, subsidized Doula support and a variety of community outreach programs. • Healthy Food for Healthy Kids: Healthy Food for Healthy Kids supports educators in Delaware, bringing life-lasting benefits of gardening and good nutrition to kids. • Jefferson Street Center: The mission of JSC is to advance community-driven priorities in Northwest Wilmington that promote the conditions necessary for all residents to thrive. • Latin American Community Center: LACC seeks to empower members to become contributing members of society through advocacy and offers programs and services to anyone ages of one to 101. • Milford Housing Development Corporation: Milford Housing Development Corporation is a value-driven, nonprofit, affordable housing developer, providing services throughout Delaware. Its mission is to provide decent, safe, affordable housing solutions to people of modest means. • Ministry of Caring: Since Brother Ronald began the ministry in 1977 with the first shelter for homeless women on the Delmarva Peninsula, the Ministry has worked ceaselessly to ease the needs and struggles of our neighbors. • ONCOR Coalition: ONCOR’s vision is to build and promote spaces that connect people to the city and each other. It promotes positive relationships through community-based educational programs and recreational opportunities. • Our Daily Bread Dining Room of MOT: ODB is the only soup kitchen in the Middletown, Odessa and Townsend region. ODB is a volunteer run organization with over 300 volunteers. Volunteers help purchase and pick up food and ingredients, prepare and serve meals and clean and maintain the facility. • Project New Start: Project New Start provides a comprehensive cognitive behavioral change/workforce development initiative for individuals transitioning out of state and federal institutions. • Ray of Hope Mission Center: Ray of Hope’s mission is to recognize and address the needs of those who are struggling within our community and assist them in their efforts to provide for themselves and their families, both physically and spiritually. • St. Patrick's Center: Serving people in Wilmington’s East Side neighborhood since 1971, St. Patrick’s Center is a nonprofit organization that operates a Senior Center, and provides meals, groceries, clothing, paratransit and social service support to the public. • The Resurrection Center: The purpose of the Resurrection Center is to spread the gospel of Jesus Christ and create a spirit-filled environment that hungers for the Gospel and to serve as liberating agents in the midst of the world. • Voices of Hope: Voices of Hope’s mission is to empower lives and foster recovery. The nonprofit is dedicated to supporting individuals and families facing substance use disorder. Through compassion, education and community engagement, Voices of Hope strives to break the chains of addiction, promoting a healthier, brighter future for all. • West End Neighborhood House: At West End Neighborhood House, staff, clients, volunteers and donors work together to resolve complex social challenges throughout Delaware. Through outcomes-driven programming, the West End Neighborhood House provide support that meets community needs in finances, housing, education, employment and family services. • Westside Family Healthcare: Westside Family Healthcare is a community-minded, non-partisan health center located in Delaware. Westside opened its doors in 1988 and has maintained status as a Federally Qualified Health Center since 1994. • Wilmington HOPE Commission Inc.: The Hope Commission is a reentry program that helps formerly incarcerated men return to their community. It offers support services that address factors known to lead to repeat offenses. • YMCA of Delaware: The Central YMCA Supportive Housing Program offers housing for men aged 18 and older. Residents benefit from dorm-style accommodations, discounted access to the fitness center and connections to a range of health and human service providers in partnership with the YMCA.
ExpertSpotlight: Tariffs and Trade Wars
Tariffs and trade wars have long been powerful tools in international relations, influencing everything from consumer prices to global supply chains. As nations impose duties on imports and retaliate with countermeasures, economies can experience ripple effects that impact businesses, jobs, and everyday consumers. Understanding how tariffs work and why trade wars escalate is essential for grasping the complexities of global commerce and national economic policies. With ongoing disputes between major economies, this topic remains highly relevant to the public. Key story angles include: What Are Tariffs and How Do They Work? A breakdown of tariffs, their purpose, and their impact on industries and consumers. Historical Trade Wars and Their Consequences: Examining past trade disputes, their economic fallout, and lessons learned. U.S.-China Trade Relations: Analyzing the impact of tariffs between the world’s two largest economies and their influence on global markets. The Role of Tariffs in Domestic Job Creation: Investigating whether tariffs protect local industries or lead to unintended economic consequences. How Trade Wars Affect Everyday Consumers: Exploring how tariffs on goods like electronics, food, and automobiles translate to higher prices. The Future of Global Trade Agreements: Discussing potential shifts in international trade policies and their implications for businesses and governments. As countries navigate economic policies in an increasingly interconnected world, tariffs and trade wars remain central to discussions on financial stability, political strategy, and economic growth. Connect with an expert about trade and tariffs: To search our full list of experts visit www.expertfile.com
Are Trump's Economic Reforms Obsolete After Biden Administration
President-elect Donald Trump campaigns were filled with promises of economic reform including strict import tariffs, strict immigration curbs, and deregulation. However, reports reveal the current economic state of the US may not be needing the president's aggressive reform. Trends reflect a strong economy with low unemployment rate; prompting concerns that Trumps policies could disrupt the economic growth. Trump will be taking office next week with a much different economic circumstances compared to his first term in 2017. Does the economic changes since Trump's first term make his reforms obsolete or even dangerous? Economics expert, Dr. Jared Pincin weighs in on the discussion of the economy during the Biden administration in a recent interview. There has been an increase of individuals getting second jobs or "side hustles" especially in the Gen Z generation. As the need for an extra income source increased the unemployment rate has decreased. Are the lowered unemployment rates just a reflection of an economy that won't allow citizens to live on one paycheck? Although the economy that Trump will be inheriting show positive changes since his first term in 2017, there are concerns that can not be ignored. Trumps expansionary policies can incite inflation if the economy is not calling for his aggressive reforms. How will Trump's administration reap the benefits of the Biden administration while preventing an economic crisis? The economy appears to be performing well, especially over the past year. These reports come in during Trump's promises of reform. Are these reforms going to strengthen the economy or are they proof of Trumps disconnect with the current economic health? If you are covering the the U.S. economy during the Trump administration and need to know more, let us help with your questions and stories. Dr. Jared Pincin is an expert on economics and is available to speak to media regarding the Trump administration and the economy – simply click on his icon or email mweinstein@cedarville.edu to arrange an interview. Jeff Haymond, Ph.D. is Dean, Robert W. Plaster School of Business Administration and a Professor of Economics at Cedarville and is an expert in finance and trade. Dr. Haymond is available to speak with media regarding this topic – simply click on his icon to arrange an interview.
Expert comment available - the Government's announcement for the AI Opportunities Action Plan
Expert comment is available on the the Government's announcement for the AI Opportunities Action Plan in which it is aims to roll out AI across the UK. In a speech setting out the government's plans to use AI across the UK to boost growth and deliver services more efficiently, the Prime Minister said the government had a responsibility to make AI "work for working people". The government claims that the AI Opportunities Action Plan is backed by leading tech firms, some of which have committed £14bn towards various projects, creating 13,250 jobs. It includes plans for growth zones where development will be focused, and the technology will be used to help tackle issues such as potholes. Expert comment: "The plan is a necessary step in the right direction with appropriate investment. It should be coupled with a major training programme at business and public levels to bridge the skill gap and develop essential capabilities. "It is important to specify the role that the higher education sector will play in the delivery of such a plan particularly with regards to innovation and knowledge transfer partnerships. "The government used stated that the technology will be used to help tackle issues such as potholes, however AI should be used not only in the detection of potholes, but also in their prediction. Using predictive analytics would significantly reduce the number of cameras that must be deployed to monitor road surface conditions up and down the country." Professor Abdul Hamid Sadka, Professor of Visual Media Technologies, Director, The Sir Peter Rigby Digital Futures Institute, Aston University For further details contact Nicola Jones, Head of Press & Communications (interim) on (+44) 7825 342091 or email: n.jones6@aston.ac.uk
New Year’s Resolutions: Origins and Why We Make Them
As the calendar turns, millions around the world embrace the tradition of setting New Year’s resolutions, a practice rooted in self-reflection and renewal. While often seen as a personal commitment to change, this custom also reflects cultural, historical, and psychological aspects of human behavior. Exploring the origins and modern significance of New Year’s resolutions offers a rich opportunity to examine why this tradition endures and what it says about our shared aspirations for the future. Key story angles include: Historical Roots of New Year’s Resolutions: Tracing the tradition back to ancient Babylonian and Roman practices and their influence on today’s customs. Psychology Behind Resolutions: Exploring why people set goals at the start of the year and the factors that influence success or failure in achieving them. Most Popular Resolutions and Their Societal Impact: Analyzing trends in health, finances, and personal growth goals and what they reveal about changing priorities. Global Variations in New Year’s Traditions: Highlighting how different cultures mark the New Year and set intentions for the months ahead. The Science of Habit Formation: Investigating how neuroscience and behavioral science can help people turn resolutions into lasting habits. Skepticism and Alternatives: Examining criticisms of resolutions, including their commercialized aspects, and exploring alternative approaches to self-improvement. The enduring tradition of New Year’s resolutions provides a window into humanity’s shared desire for growth and renewal, offering journalists a timely and engaging topic to explore from multiple perspectives. Connect with an expert about New Year’s Resolutions: To search our full list of experts visit www.expertfile.com
Georgia Southern cuts ribbon for Jack and Ruth Ann Hill Convocation Center
Georgia Southern University officials cut a ceremonial ribbon to open the Jack and Ruth Ann Hill Convocation Center, affectionately known as “The Hill,” in a celebration on Dec. 4. At 95,000 square feet, it is the largest event venue space between Savannah and Macon and serves as the signature building on the University’s south campus, fronting Veterans Memorial Parkway (US 301 Bypass). “It’s more than a building; it’s a place of opportunity,” said Georgia Southern President Kyle Marrero. “Inside ‘The Hill,’ our students will learn, our athletes will compete and our community will come together. From classrooms to research labs, from strength and conditioning spaces to media rooms, every inch of this facility is designed with our future in mind.” The exterior of the Jack and Ruth Ann Hill Convocation Center, which evokes the image of a soaring eagle’s wings, illustrates the University’s commitment to supporting students as they soar beyond. Inside the center, there is approximately 8,000 square feet of new space for a Waters College of Health Professions sports psychology lab, a satellite research lab, faculty offices, a conference room and classrooms. The community will be afforded space for community activities and access to a new strength and conditioning area for research and other programs. The arena, which will serve as the new home court for Georgia Southern Eagles NCAA basketball games, provides more than 5,500 in seating capacity, a 50% increase over Hanner Fieldhouse. The arena has chairback seats along both sidelines and behind one baseline, and allows future opportunities to add additional programming to the building, such as more premium seating, suites and club areas. “It is an honor to officially welcome all of Eagle Nation to the gorgeous Jack and Ruth Ann Hill Convocation Center with today’s ribbon-cutting ceremony,” Georgia Southern Director of Athletics Chris Davis told the crowd. “We look forward to christening the facility with women’s and men’s basketball games on Thursday and Saturday, respectively. I especially want to thank Gov. Kemp, the Georgia General Assembly, Dr. Kyle Marrero, the University leadership and our generous donors for this unprecedented opportunity to elevate the stature of our basketball programs with this outstanding facility that will provide an exciting venue to watch the Eagles soar on the court. Hail Southern!” The center also houses the men’s and women’s basketball program and includes spaces for coaches’ offices, locker rooms, laundry/training room, equipment room, strength and conditioning space, fueling station, media room, visiting team locker room and a media green room. Senior Grace Drawdy, who is a multimedia journalism major, member of the swimming and diving team and president of the Georgia Southern Student-Athlete Advisory Committee, is grateful for this contribution. “If I could describe my time here at Georgia Southern, both individually and as a student-athlete, the one word I would use is transformational,” said Drawdy. “Through the opportunities and resources provided to me by Georgia Southern, I have transformed from a young girl who was unsure of her future to a confident woman who is poised for success wherever she may go. I’ve also had the pleasure of watching the University transform while I’ve been here. And what I’m most excited for is the transformation of our athletic training and physical therapy programs. “This space will enhance athletic training and sports psychology for students within the major, but also the student-athletes who access these services every single day. I’m so thankful to be a part of the ribbon-cutting ceremony today, but I’m even more thankful to be a part of a University that continually helps me grow and be successful as a student, as an athlete, and most importantly, as a person.” The new Hall of Fame for Eagle Athletics is located in the building’s concourse. The seating capacity for the events space is more than 5,900 (including nearly 970 seats on the floor). Event-level space also includes a ticketing office, security command center, a Coca-Cola micro market featuring checkout-free technology, and four dividable classrooms that can convert into additional flexible spaces. Marrero thanked the partners who helped to make this impressive $64.4 million two-story complex a reality. “We express our deepest gratitude to Gov. Brian Kemp, the Georgia General Assembly, with the best legislative delegation in the state of Georgia, led by the Speaker of the House Jon Burns, the Board of Regents, and University System of Georgia leadership under Chancellor Sonny Perdue. Your vision and willingness made this project a reality.” He also thanked the University Foundation Board, the Athletic Foundation Board and donors for their generous gifts and unwavering support of such a meaningful addition to the institution. The building is named for Jack Hill (‘66), who was the longest-serving Georgia senator when he died in April 2020. He was a senator for 30 years, serving as chairman of several crucial committees, including Appropriations, which has broad jurisdiction over legislation involving budgeting and spending state and federal funds. With Hill’s support, Georgia Southern reached new heights as an institution serving the southeast region and the state of Georgia. Hill was instrumental in helping the University expand its programs and build several new state-of-the-art facilities, including the Engineering and Research Building, which opened for classes in January 2021. Hill’s wife of 48 years, Ruth Ann, focused her life on public education and retired as principal of Reidsville Elementary School. She was a Triple Eagle, earning degrees from Georgia Southern in 1973, 1990 and 1991. “We’re here to celebrate the great legacy of two individuals who made a difference,” Ga. Rep. Jon Burns enthusiastically shared with the audience. “They were both faithful public servants, because they cared more about their neighbors than they did about themselves. That was very clear. This University and this state could not be what it will be and what it is without the contributions and the foresight of people like Jack Hill. What he endowed this University with was an opportunity for a better life, for a better education for all Georgians and all people who wanted to attend this University. His fingerprints are all over this place. We all know that with the buildings, with the opportunities for these students, for these young people, they’re boundless. Because of the foresight and the work of Jack and Ruth in this place, we are privileged to sit here. Today was a dream of Senator Hill.” Marrero also reflected on the outstanding legacy of Jack and Ruth Ann Hill. “As Senator Hill once said, ‘The power of education is the ability to produce knowledge, character and skill in a way that is beneficial to society,’” Marrero shared.” His legacy embodies that ideal. Today is a celebration of what we’ve achieved together, but it’s also a look to the future. “The Hill” stands as a symbol of our University’s growth and commitment to providing exceptional opportunities for our students and community. “So, today, let us cut this ribbon and open the doors to a new era at Georgia Southern,” he concluded. “Together, we will continue to honor the legacy of Jack and Ruth Ann Hill while building a brighter future for Eagle Nation.” Construction for the Jack and Ruth Ann Hill Convocation Center began in early 2023 and finished late 2024. The program manager for the project is BDR Partners; the architect/engineer is LS3P-AECOM; the site/civil engineer is Hussey, Gay, Bell; the mechanical engineer is Dulohery Weeks; the general contractor is Whiting-Turner. Additional partners are GSFIC and Board of Regents USG. If you're interested in learning more about Georgia Southern University then let us help - simply contact Georgia Southern's Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.
13 Georgia Southern faculty ranked among world’s top 2% of scientists
Thirteen distinguished faculty members from Georgia Southern University were ranked among the world’s top 2% of scientists. This list, published annually by Elsevier and Stanford University, recognizes the world’s top scientific researchers. The featured faculty are conducting cutting-edge research in disciplines ranging from glass science to cybercrime prevention. Georgia Southern’s research enterprise has grown tremendously in the last few years, even setting an institutional record for total research expenditures of over $43 million in FY ‘24. Bolstered by an unwavering commitment to discovery, creativity and innovation, the University is on track to achieve R1 status, the highest level of research activity, in the next three to four years. Vice President for Research and Economic Development David Weindorf, Ph.D., P.G. is among the faculty recognized and is humbled to be included. He sees his colleagues’ inclusion as indicative of an already prosperous research culture with ample opportunities for growth. “I am incredibly honored and humbled to work alongside some of the best and brightest at Georgia Southern,” said Weindorf. “I’m delighted our diligent efforts have resulted in such esteemed and well-deserved recognition. While I am grateful to be included in this list, I want to thank all those faculty who inspire me every day and continue to push us forward as we strive to elevate our University and the larger community.” The list and bios of the 13 Georgia Southern scientists are included in the attached release below: If you're interested in learning more or a reporter looking to speak with any of the scientists listed - simply contact Georgia Southern's Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.