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MEDIA RELEASE: Provincial Trunk Highway 34 Named the Worst Road in Manitoba

Manitobans have spoken – and the results are in. The 2025 CAA Worst Road is Provincial Trunk Highway 34 (PTH 34) in Central Plains/Pembina Valley, Manitoba. Frustrations with potholes, poor road maintenance, poor road signage and unpaved roads pushed PTH 34 to the number one spot. This marks this road’s sixth appearance on the CAA Worst Roads Top 10 list; however, this is the first time it has taken the top spot. This year also marks a historic first for the CAA Worst Roads campaign – for the first time in its 14-year history, nine out of ten roads on the top 10 list are from rural Manitoba communities. Saskatchewan Avenue, the only Winnipeg road on the list in 2025, has appeared on the CAA Worst Roads list for the last seven consecutive years. "The CAA Worst Roads campaign provides a powerful snapshot to governments on where to prioritize budgets and move up road repairs by giving Manitobans an opportunity to have their say on the difficulties they are experiencing in getting around," says Ewald Friesen, manager of government and community relations for CAA Manitoba, "We saw the proof of this when last year's winner, 18th Street in Brandon, received a swift and coordinated response from governments on the same day the results were released, with shovels in the ground by Fall.” This year’s campaign saw an almost 50 per cent increase in roads nominated, with 723 different roads across 86 municipalities. CAA research shows that 39 per cent of respondents expressed dissatisfaction with road work projects, stating that the roads don’t last long before they must be repaired again. However, 88 per cent are willing to put up with the inconvenience of construction in exchange for long-term improvements. "Manitobans take to this campaign because they are hopeful for change,” says Friesen. “CAA’s annual campaign plays a critical role in highlighting the roads that need urgent attention, providing governments with a better understanding of where Manitobans want these investments made." Half of the roads on the top 10 list are new this year. These include Provincial Road 234 in Interlake, Provincial Road 349 in Westman, Provincial Road 239 in Interlake, 26th Street in Brandon, and Provincial Trunk Highway 12 in Eastman. Manitoba's Top 10 Worst Roads for 2025 1. Provincial Trunk Highway 34, Central Plains/Pembina Valley 2. Provincial Road 234, Interlake 3. Provincial Road 307, Whiteshell 4. Provincial Road 239, Interlake 5. Provincial Road 349, Westman 6. 26th Street, Brandon 7. Provincial Trunk Highway 12, Eastman 8. Provincial Trunk Highway 26, Central Plains 9. Richmond Avenue, Brandon 10. Saskatchewan Avenue, Winnipeg "CAA Manitoba urges all levels of government to prioritize road safety through predictable, year-over-year investment and timely repairs," adds Friesen. “CAA Manitoba will continue to advocate for Manitobans to drive positive change in communities across the province." For more information and historical results, please visit: https://www.caamanitoba.com/advocacy/government-relations/worst-roads

Why Paying Cash Can Hurt Your Credit

Earlier this week, Rosa Marchitelli from CBC’s Marketplace recently profiled a Calgary man whose credit score shockingly dropped to zero—not because he was reckless with debt, but because he paid cash for everything. No missed payments. No defaults. Just a lifetime of financial caution that, ironically, made him invisible in the eyes of Canada’s credit system. It’s the kind of story that stops you in your tracks—because it turns everything we’ve been told about “good financial behaviour” on its head. In this post, we’ll break down the surprising logic behind Canadian credit scores, why living debt-free can actually hurt your financial profile, and how to play the credit game without compromising your values. If you’ve ever thought, “I don’t need credit because I’m responsible,” this might just change your mind. Back when I taught the Mortgage Agents Licensing Course, offered by Mortgage Professionals Canada, I always looked forward to my session on credit. Why? Because most people don’t really understand how credit scores work—or how to protect and build a healthy one. So, you’ve always paid cash, avoided debt like the plague, and proudly told your kids you don’t even own a credit card. Congratulations! You’re a responsible citizen… but your credit score is probably dreadful. Wait—what? Yes, the wonderful world of Canadian credit scoring is one of life’s mysteries. It rewards behaviour that may seem risky to the debt-averse but is actually just good financial practice in disguise. So, let’s lift the curtain and decode the quirky logic behind your credit score. Credit Scores 101: It’s Not About Your Morals. It’s About Your Habits In Canada, credit scores range from 300 to 900—the higher, the better. Your score reflects your ability to manage borrowed money based on your past use of credit products such as credit cards, lines of credit, and loans. Here’s the twist: not using credit at all doesn’t make you look smart; it makes you look suspicious. Credit bureaus assume that if you don’t have credit, it’s because you can’t get it—not because you’re a thrifty minimalist growing kale and paying cash. Meet the Scorekeepers: Equifax vs. TransUnion Canada has two major credit bureaus: • Equifax – Favoured by banks and mortgage lenders. • TransUnion – Commonly used by credit card and auto lenders. Each bureau calculates your score slightly differently, so the numbers may vary, like having two referees at the same game. Expect some disagreement on the calls. Pro tip: check both reports annually (for free) to spot any errors early. The Government of Canada has more information for you here. Credit Score Bands Score Range 800–900 - Excellent Access to the best rates and financial products. 740–799 - Very Good Qualifies for most products with favourable terms. 670–739 - Good Solid score; ~35% of Canadians are here. 580–669 - Fair May qualify but at higher rates. 300–579 - Poor High risk. Harder to get approved. Minimum Scores for Common Credit Products Credit Cards: 600+ Premium cards usually require 700+ Auto Loans:   620+ Higher rates if below 700 Consumer Loans: 640+ Lower scores = shorter terms/higher rates Mortgages: 680+ CMHC-insured loans often require a 680+ Pro Tip: Paying cash may make Grandma proud, but lenders can’t assess you without credit activity. No credit = no score = no loan Decoding Credit Codes: The ABCs and 1- 9s of Credit Credit accounts are coded using a letter for the type of credit and a number for how well you manage it. Letter Codes: R – Revolving (e.g., credit cards) I – Instalment (e.g., auto loans) M – Mortgage O – Open (e.g., lines of credit) Number Ratings: 1 – Paid on time 2–5 – Late by 30 to 120+ days 6 – Not used 7 – Making regular payments via credit counseling 8 – Repossession 9 – Sent to collections or bankruptcy A trade line is a record of your credit account. Each shows the credit type, lender, balance, and payment history. Think of it as a financial resume—each tradeline is like a job entry listing your past and present “performance” with a particular creditor. How Long Does Negative Info Last: Bankruptcy (R9);  Equifax (7 Years) TransUnion (6 years) Late Payments: Equifax (6 Years) TransUnion (6 years) Collections: Equifax (6 Years) TransUnion (6 years) Consumer Proposal: Equifax (3 years post-payment) TransUnion (3 years post-payment) Credit Counselling (R7): Equifax  (7 years after the final payment)  TransUnion (6 years after the final payment) Pro Tip: Keep in mind that after falling off your credit report, bankruptcies may still appear in public records. Here's How Your Score Is Calculated Factor Weight and Why It Matters Payment History 35% Late payments are like bad breath—unforgettable. Credit Utilization 30% Use less than 30% of your limit. Length of Credit 15% Longer credit history is more trustworthy. Credit Mix 10% Variety of products = balanced borrower. New Credit Inquiries 10% Too many apps = desperation sniffed by lenders. Source: TransUnion Canada - Credit Score Factors Utilization: More Credit, Used Sparingly = Better Score Yes, it’s weird—but true: someone with five credit cards and a $50,000 limit who uses only $2,000 will likely have a better score than someone with a single $2,000 credit card which is nearly maxed out. Why? Utilization is calculated as a percentage. The more room you leave untouched, the more responsible you appear. Ghosts & Abstainers: No Credit is a Red Flag So, back to the Marketplace story we mentioned earlier. As we consider all the factors involved in credit scoring, is it surprising that this man in Calgary, who paid cash for everything, had his score drop to zero after a long period of inactivity? Not really. Credit bureaus don’t reward abstinence—they penalize it. If you haven’t borrowed in a while, you may be “credit invisible.” It’s like trying to get hired without a resume. No record? No offers. Building (or Rebuilding) Credit What if you need to fix a low score due to missed payments, bankruptcy, or simply a lack of credit history? Getting your credit score up is entirely possible—with patience, consistency, and the right strategy. Here’s a practical framework I use. 1. Get Credit – A secured card works just fine. 2. Use It – Buy groceries, gas, Netflix—whatever you usually pay for. 3. Pay on Time – Even the minimum. Set a reminder …or three. 4. Stay below 30% – Don’t max it out. Do this, and your score should rise like a perfectly baked soufflé. When Credit Counselling is the Better Option Struggling with debt? Credit counseling might be your best path forward. These services consolidate all unsecured debts into one monthly payment and negotiate with creditors to reduce or eliminate interest. It’s a couple-of-year commitment that avoids bankruptcy, and you pay something back. However, your credit will reflect an R7 status for 3 years after your final payment or 6 years after you sign the contract, whichever comes first. Pro Tip: Credit counseling is the more noble route, but remember that it still significantly affects your score.  (Source: Credit Counselling Canada) What If There’s an Error—or You’ve Been Hacked? If you spot a mistake on your report—or worse, see signs of identity theft—don’t panic. Here’s what to do: 1. Request a copy of your report from Equifax and TransUnion. 2. Highlight the error and contact the bureau to initiate a dispute. 3. Provide supporting documents. 4. Follow up regularly—bureaus must investigate within 30 days. If you’re a victim of identity theft: • Contact your bank and credit card issuers immediately. • File a police report. • Consider placing a fraud alert or credit freeze on your credit file. Here are important links with more details on how to work with both <Equifax> and <TransUnion> The final statement (get it?) Your credit score doesn’t care if you’re a good person. It only cares if you’re a predictable borrower. So don’t take it personally—play the game smartly. Because in the wild world of credit, it’s not about morals. It’s about whether you paid your $9.99 Netflix bill on time. Now go forward and charge responsibly. Don’t Retire … Re-Wire! Sue

Why Simultaneous Voting Makes for Good Decisions

How can organizations make robust decisions when time is short, and the stakes are high? It’s a conundrum not unfamiliar to the U.S. Food and Drug Administration. Back in 2021, the FDA found itself under tremendous pressure to decide on the approval of the experimental drug aducanumab, designed to slow the progress of Alzheimer’s disease—a debilitating and incurable condition that ranks among the top 10 causes of death in the United States. Welcomed by the market as a game-changer on its release, aducanumab quickly ran into serious problems. A lack of data on clinical efficacy along with a slew of dangerous side effects meant physicians in their droves were unwilling to prescribe it. Within months of its approval, three FDA advisors resigned in protest, one calling aducanumab, “the worst approval decision that the FDA has made that I can remember.” By the start of 2024, the drug had been pulled by its manufacturers. Of course, with the benefit of hindsight and data from the public’s use of aducanumab, it is easy for us to tell that FDA made the wrong decision then. But is there a better process that would have given FDA the foresight to make the right decision, under limited information? The FDA routinely has to evaluate novel drugs and treatments; medical and pharmaceutical products that can impact the wellbeing of millions of Americans. With stakes this high, the FDA is known to tread carefully: assembling different advisory, review, and funding committees providing diverse knowledge and expertise to assess the evidence and decide whether to approve a new drug, or not. As a federal agency, the FDA is also required to maintain scrupulous records that cover its decisions, and how those decisions are made. The Impact of Voting Mechanisms on Decision Quality Some of this data has been analyzed by Goizueta’s Tian Heong Chan, associate professor of information systems and operation management. Together with Panos Markou of the University of Virginia’s Darden School of Business, Chan scrutinized 17 years’ worth of information, including detailed transcripts from more than 500 FDA advisory committee meetings, to understand the mechanisms and protocols used in FDA decision-making: whether committee members vote to approve products sequentially, with everyone in the room having a say one after another; or if voting happens simultaneously via the push of a button, say, or a show of hands. Chan and Markou also looked at the impact of sequential versus simultaneous voting to see if there were differences in the quality of the decisions each mechanism produced. Their findings are singular. It turns out that when stakeholders vote simultaneously, they make better decisions. Drugs or products approved this way are far less likely to be issued post-market boxed warnings (warnings issued by FDA that call attention to potentially serious health risks associated with the product, that must be displayed on the prescription box itself), and more than two times less likely to be recalled. The FDA changed its voting protocols in 2007, when they switched from sequentially voting around the room, one person after another, to simultaneous voting procedures. And the results are stunning. Tian Heong Chan, Associate Professor of Information Systems & Operation Management “Decisions made by simultaneous voting are more than twice as effective,” says Chan. “After 2007, you see that just 3.4% of all drugs and products approved this way end up being discontinued or recalled. This compares with an 8.6% failure rate for drugs approved by the FDA using more sequential processes—the round robin where individuals had been voting one by one around the room.” Imagine you are told beforehand that you are going to vote on something important by simply raising your hand or pressing a button. In this scenario, you are probably going to want to expend more time and effort in debating all the issues and informing yourself before you decide. Tian Heong Chan “On the other hand, if you know the vote will go around the room, and you will have a chance to hear how others’ speak and explain their decisions, you’re going to be less motivated to exchange and defend your point of view beforehand,” says Chan. In other words, simultaneous decision-making is two times less likely to generate a wrong decision as the sequential approach. Why is this? Chan and Markou believe that these voting mechanisms impact the quality of discussion and debate that undergird decision-making; that the quality of decisions is significantly impacted by how those decisions are made. Quality Discussion Leads to Quality Decisions Parsing the FDA transcripts for content, language, and tonality in both settings, Chan and Markou find evidence to support this. Simultaneous voting or decision-making drives discussions that are characterized by language that is more positive, more authentic, and more even in terms of expressions of authority and hierarchy, says Chan. What’s more, these deliberations and exchanges are deeper and more far-ranging in quality. We find marked differences in the tone of speech and the topics discussed when stakeholders know they will be voting simultaneously. There is less hierarchy in these exchanges, and individuals exhibit greater confidence in sharing their points of view more freely. Tian Heong Chan “We also see more questions being asked, and a broader range of topics and ideas discussed,” says Chan. In this context, decision-makers are also less likely to reach unanimous agreement. Instead, debate is more vigorous and differences of opinion remain more robust. Conversely, sequential voting around the room is typically preceded by shorter discussion in which stakeholders share fewer opinions and ask fewer questions. And this demonstrably impacts the quality of the decisions made, says Chan. Sharing a different perspective to a group requires effort and courage. With sequential voting or decision-making, there seems to be less interest in surfacing diverse perspectives or hidden aspects to complex problems. Tian Heong Chan “So it’s not that individuals are being influenced by what other people say when it comes to voting on the issue—which would be tempting to infer—rather, it’s that sequential voting mechanisms seem to take a bit more effort out of the process.” When decision-makers are told that they will have a chance to vote and to explain their vote, one after another, their incentives to make a prior effort to interrogate each other vigorously, and to work that little bit harder to surface any shortcomings in their own understanding or point of view, or in the data, are relatively weaker, say Chan and Markou. The Takeaway for Organizations Making High-Stakes Decisions Decision-making in different contexts has long been the subject of scholarly scrutiny. Chan and Markou’s research sheds new light on the important role that different mechanisms have in shaping the outcomes of decision-making—and the quality of the decisions that are jointly taken. And this should be on the radar of organizations and institutions charged with making choices that impact swathes of the community, they say. “The FDA has a solid tradition of inviting diversity into its decision-making. But the data shows that harnessing the benefits of diversity is contingent on using the right mechanisms to surface the different expertise you need to be able to see all the dimensions of the issue, and make better informed decisions about it,” says Chan. A good place to start? By a concurrent show of hands. Tian Heong Chan is an associate professor of information systems and operation management. he is available to speak about this topic - click on his con now to arrange an interview today.

Expert Perspective: The Hidden Costs of Cultural Appropriation

In our interconnected world, cultural borrowing is everywhere. But why do some instances earn applause while others provoke outrage? This question is becoming increasingly crucial for business leaders who must carefully navigate cultural boundaries. Take the backlash the Kardashian-Jenner family faced for adopting styles from minority cultures or the controversy over non-Indigenous designers using Native American patterns in fashion. These examples highlight the issue of cultural appropriation, where borrowing elements from another culture without genuine understanding or respect can lead to accusations of exploitation. Abraham Oshotse, an assistant professor of organization and management at Goizueta Business School, along with Assistant Professor of Sociology and Anthropology at Hebrew University Yael Berda and Associate Professor of Organizational Behavior at the Stanford Graduate School of Business Amir Goldberg, explores this in their research on “cultural tariffing.” They shed light on why high-status individuals, such as celebrities or industry leaders, often come under fire when crossing cultural boundaries. The Concept of Cultural Tariffing Oshotse and coauthors define cultural tariffing as “the act of imposing a social cost on cultural boundary crossing. It is levied on high-status actors crossing into low-status culture, in order to mitigate the reproduction of the status inequality.” This notion suggests that the acceptance or rejection of cultural boundary-crossing is influenced by the perceived costs and benefits. Cultural appropriation involves taking elements from a culture that one does not belong to, without permission or authority. For example, when Elvis Presley brought African-American music into the mainstream, it was initially seen as elevating the genre. However, in today’s context, such acts might be criticized as appropriation rather than celebration. This research seeks to analyze people’s modern reactions to different examples of cultural boundary-crossing and which conditions induce cultural tariffing. The Hypotheses The researchers make four hypotheses about participants’ reactions to cultural appropriation: People will disapprove of cultural borrowing if there’s a clear power imbalance, with the borrowing group having more status or privilege than the group they are borrowing from. Cultural borrowing is more likely to be criticized if the person doing it has a higher socioeconomic status within their social group. Cultural borrowing is more likely to be criticized if the person doing it has only a shallow connection to the culture they’re borrowing from. Cultural borrowing is more likely to be criticized if the person doing it benefits more from it than the people from the culture they are borrowing from. Put to the Test Oshotse et al exposed respondents to four scenarios per hypothesis (16 total) with a permissible and a transgressive condition. In the permissible condition, subjects exhibit lower status or socioeconomic standing or a stronger connection to the target culture. Subjects in the transgressive condition exhibit a higher status or socioeconomic standing and less of an authentic connection to the target culture. Insights from the Study Oshotse’s study offers four key insights: Status Matters: Cultural boundary-crossing is more likely to generate disapproval if there’s a clear status difference favoring the adopter. Superficial Connections: The less authentic the adopter’s connection to the target culture, the more likely they are to face backlash. Socioeconomic Influence: Higher socioeconomic status within the adopter’s social group increases the likelihood of disapproval. Value Extraction: The more value the adopter gains relative to the culture they’re borrowing from, the higher the disapproval. These insights are crucial for leaders who want to navigate cultural boundaries successfully, ensuring their actions are seen as respectful and inclusive rather than exploitative. Real-World Implications for Business Leaders Why does this matter for business leaders? Understanding cultural tariffing is crucial when expanding into new markets, launching multicultural campaigns, or even managing diverse teams. The research suggests that crossing cultural boundaries without deep understanding or respect can backfire. That’s especially true when the adopter holds a higher socioeconomic status. Consider the example of a luxury brand adopting traditional African patterns without engaging with the communities behind them. In this case, it risks being seen as exploitative rather than innovative. The consequences aren’t just reputational; they can also impact the brand’s bottom line. This research isn’t just about isolated incidents; it mirrors sweeping societal shifts. Over the past 50 years, Western views have evolved to embrace ethnic diversity and multicultural exchange. But with this newfound appreciation comes a fresh set of challenges. Today’s leaders must navigate cultural interactions with greater care, fully aware of the historical and social contexts that shape perceptions of appropriation. In today’s global and interconnected business landscape, mastering the subtleties of cultural appropriation and tariffing is crucial. Leaders who tread thoughtfully can boost their reputation and success, while those who falter may face serious backlash. By understanding the hidden costs of crossing cultural boundaries, business leaders can cultivate authentic exchanges and steer clear of the pitfalls of appropriation. Abraham Oshotse is an assistant professor of organization & management. He is available speak to media regarding  this important topic - simply click on his icon now to arrange an interview today.

What's That Smell? Something is Rotten and Florida Atlantic's Seaweed Expert has the Answers

It’s back…and bigger than before. This summer, Floridians can expect a record amount of it! Sargassum, it smells like rotting eggs and a 'mega bloom' of the algae is expected to wash up on beaches soon. Sargassum is essentially a brown seaweed and also a type of algae. When out at sea, it's an essential item that helps feed fish, turtles, crabs and an array of ocean life.  But once it hits land, it begins to rot and can be at the very least annoying and even potentially dangerous to humans by emitting harmful gases. The topic is getting a lot of media coverage - with reporters connecting with experts like Florida Atlantic's Brian LaPointe to get the answers and explanations they need. The Atlantic Ocean has a toxic seaweed problem. Floating in brown islands of algae, this year’s sargassum bloom has already broken its own size record by millions of tons — and the growing season isn’t done yet. Now stretching across some 5,500 miles of ocean, the annual bloom is more than just an eyesore: Sargassum hurts ecosystems and economies wherever its overgrown arms reach. And they are spreading into Florida’s waterways, coating marinas and beaches in the Miami area. “Sargassum goes from being a very beneficial resource of the North Atlantic to becoming what we refer to as … a harmful algal bloom, when it comes ashore in excessive biomass,” said Brian LaPointe, a research professor at Florida Atlantic University’s Harbor Branch Oceanographic Institute. For more than a decade, Atlantic coastal communities have been inundated by more and more sargassum. Images of white sand beaches stretching into azure waters have been altered by the toxic and putrid invasion. In the water, it’s home to larvae and other organisms that can irritate the skin of any passing swimmers. As it rots on shore, it emits harmful gases— an infamous stench. It’s a blight on beaches that repels tourists during the high-travel season, ultimately hurting towns that rely on tourism to fuel their economy. Rising ocean temperatures due to human-caused climate change have spurred this sargassum surplus, supercharging the seaweed. In April, the University of South Florida estimated this year’s bloom is already at 31 million tons — “40% more” than the previous record from June 2022, according to LaPointe. May 15 - CNN Looking to know more? We can help. Brian LaPointe is available to speak with media about seaweed, sargassum and what beachgoers can expect this summer in Florida. Simply click on his icon now to arrange an interview today.

Will AI undermine or support writing and critical thinking?

As artificial intelligence reshapes the way we write and think, a central question emerges: Is AI helping or hindering our ability to engage in independent, critical thought? Joshua Wilson, professor of education at the University of Delaware, investigates this topic in a new paper that examines the risks of AI dependency and discusses the need for AI literacy in education. Wilson explores how AI impacts cognitive development through writing — highlighting both the promise and peril of AI-powered tools like ChatGPT. His expertise centers on how these tools interact with foundational models of writing and learning and what that means for education, workforce readiness and civic engagement. In his new paper, Wilson warns that while AI can support higher-order thinking by automating basic writing mechanics, it also risks eroding critical thinking if students and professionals come to rely on it uncritically. He is a leading advocate for AI literacy in education – training individuals not just to use AI, but to think with it. Wilson is available for interviews with reporters, particularly those covering the intersection of AI, education and society and investigating the risks of cognitive offloading in an AI-saturated world. To reach Wilson directly, visit his profile and click on the contact button.

The Retirement Games

Have you ever dreamed of being an Olympic athlete? Perhaps you have wondered what it would feel like to stand on that podium in front of the world as your national anthem plays. For most Olympic athletes, the journey begins very early in life. But imagine what it would be like if you started training for this event in your 60s? Read on if you want an edge to discover how to win the Retirement Games and still pass the drug test (let’s face it, peeing is not an issue for many at that age)! Here is your chance to get on the podium at the most crucial game of your life. On Your Marks, Get Set, Ready, Go! Retirement was more like a coffee break five decades ago—brief, predictable, and over before your muffin cooled. In 1975, the average Canadian could expect to live about 73.53 years. Fast forward to 2025; we're clocking in at nearly 83.26 years. Even juicier? The lastest research shows half of today's 20-year-olds in Canada are expected to live past 90.  That’s why we need to think of retirement these days, not as a sprint; instead, it’s an ultramarathon with hills, potholes, and the occasional pulled hamstring. Most of us never expected to be training for it in our sixties, but here we are—so pull up your compression socks and move. The starter's pistol is about to fire, whether you're ready or not! Surprise! You're Retired While you may dream of selecting your retirement date like a fine wine, many face the reality of a boxed kind instead. Approximately 6 in 10 Americans retire earlier than they planned. Research from the Transamerica Center for Retirement Studies shows that many individuals experience unexpected early retirement due to personal health issues, employer discretion, or family-related circumstances. https://www.cbsnews.com/news/retirement-age-in-america-62-claiming-social-security-early/ Sometimes, it's a health scare, a loved one’s illness, or a harsh employer downsizing. Nobody whispers the term "ageism," but when companies replace senior employees with younger, more affordable talent (or AI bots), it’s not subtle—it’s math.As Morgan Housel reminds us in his bestseller, The Psychology of Money, "The most important part of every plan is planning for your plan, not going according to plan." Expect the unexpected. Train as if retirement could sneak up on you—because it just might. Get Fit, Stay Sharp: Health is the First Leg of the Race Physical and mental health are the fuel for your retirement. The rest doesn’t matter without them; we’re not just talking about lifting weights. (Though, yes, lift some weights.) Regular physical activity provides numerous benefits for older adults, including a reduced risk of dementia and enhanced cognitive function. Exercise can help maintain brain health, reduce mental decline, and even reverse some age-related brain shrinkage. Additionally, physical activity can improve mood, reduce anxiety, and enhance balance and coordination, leading to a better quality of life. • Strength training enhances bone density, metabolism, and mental health. (Source: Mayo Clinic) • Flexibility and balance? Try yoga or tai chi. Harvard Health says they reduce pain and stiffness. • Mental fitness? Cue up Wordle, Canuckle (the Canadian cousin), or Sudoku. • Dancing? It's beneficial for your brain and your swagger  • Listening to music or playing an instrument can reduce stress and boost memory. Gold Medal Tip: Motivation is overrated; action is everything. Don’t be a couch potato. A new study conducted at the University of Pittsburgh School of Medicine shows that older adults who spend more time sedentary — such as sitting or lying down — may be at a higher risk for lower cognition and in areas linked to the development of Alzheimer’s disease, no matter how much they exercise! So make sure you show up, move, and the motivation will catch up. Wealth Training: Stop Hoping, Start Budgeting Here's a shocker: Retirement doesn't mean your expenses magically disappear. According to Steve Willems' podcast “10 Retirement Myths You May Not Want to Believe,” most retirees don’t spend less. Aside from the mortgage, spending remains surprisingly consistent, especially during the Go-Go years (ages 55-75)”. We like what we like: groceries, entertainment, travel, and stylish or comfortable clothes are still on our shopping lists. That’s why many of us in retirement will need to pay more attention to spending and budgeting. Check Obligation Spending Retirement is the perfect time to reevaluate expenses from obligation rather than genuine need or joy. Here's a thoughtful way to frame that idea: Retirement is the season of freedom, so why are you still paying for things that feel like a burden? Now that you’re no longer earning a regular paycheck, every dollar matters more than ever. This means it’s time to take a closer look at obligatory expenses. These might include: • Helping adult children financially (even when it stretches your budget) • Donating to every fundraiser or cause just because someone asked • Hosting large family gatherings that leave you exhausted and over budget • Maintaining memberships, subscriptions, or traditions that no longer bring you joy. (We talk a lot more about this in a previous post What’s your Retirement Plan B While generosity is admirable, it shouldn’t jeopardize your financial security or peace of mind. Retirement should focus on investing in what truly matters to you now, rather than keeping up appearances or adhering to outdated expectations. Here’s a gentle mantra to adopt: “I’ve earned the right to say no with love and confidence.” Freeing yourself from obligation spending doesn’t mean becoming stingy; it means becoming intentional. Give where your heart feels full, not where your guilt feels heavy. After all, you didn’t work all those years to keep writing checks out of habit. Balance Beam- Budget What’s your plan when overtime isn’t an option and the budget doesn’t balance? Start with a good old-fashioned reality check: • Write down ALL expenses. • Tally up your income. • Look for a surplus (yay, trip!) or a shortfall (boo, time to pivot). Look at Canadian Government Pensions • Here's the math.  Old Age Security (OAS): Max is about $713/month or $8,556/year. And don’t forget the dreaded government clawback (formally known as the Old Age Security Pension Recovery Tax which starts at ~$90,997. • Canada Pension Plan (CPP): The average monthly payment is $758, while the maximum is $1,364 per month or $16,368 per year. So with these two programs combined, provided you meet requirements, as a senior, you're looking at somewhere between $17,000–$25,000/year before tax. If your lifestyle needs a bit more jazz hands, here’s how to bridge the gap:   DIY Income Builders: • Slash debt. Every dollar you don't spend is one you keep. • Downsize and bank the equity. • Buy or build an ADU and rent it. I have written more about ADU's here. • HELOC or Reverse mortgage (borrow strategically). • Withdraw from investments (4% rule). • Monetize your skills: consulting, tutoring, or writing that novel you started in 1993. Gold Medal Tip: Track your joy per dollar. If you’re going to spend, make it worth it. Rewire, Don’t Retire: Finding Purpose The biggest myth of retirement? That doing nothing feels good forever. (Spoiler alert: it doesn’t.) Passion is your GPS. It guides you towards what fills your heart. Whether you write poetry, walk dogs, or paint birds wearing tiny hats, your joy matters. And legacy? That’s just purpose with staying power. There’s science to support the benefits of this lesson. A study in JAMA Psychiatry found that people with a sense of purpose had a lower risk of mortality and disability  Purpose-Driven Paths: • Volunteer: Look for a cause that fires you up. • Get a part-time job: Perhaps you can fill in at a local bookstore, garden center or be a barista? • Hobbies: Take up painting, pottery, or poetry. • Go Back to School: Many Universities such as The University of Toronto offer free, non-credit courses through programs as part of their community outreach.  Seniors (over 60) enrolled at York University may have all or part of their academic fees waived at the domestic fee rate for York University degree credit courses as part of their mature student program. • Spend real time with people you love, maybe your grandkids or elderly parents. • Reconnect with old friends – not just on Facebook, but in person • Get out of your backyard and see the world Gold Medal Tip: You're never too young (or too old) to chase what lights you up. Start a business, get that degree you always wanted, and write that book. Go. For. It. Support: No One Trains Alone Retirement can be lonely. As we age, friends pass, routines fade, and isolation creeps in. That’s why your squad matters more than ever. Find Your Pod: • Family & Friends: Set expectations. Ask for help. Host Sunday dinners. Stay connected. • Fitness & Social Clubs: Join a walking group or participate in a gym class, followed by regular post-sweat coffee. • Faith Communities: Spirituality and structure in one. Sing in the choir. Serve at events. • Third Places: As sociologist Ray Oldenburg says, these are neutral hangouts like libraries, community centers, or your local café. They’re tied to lower loneliness and better mental health. Think of Cheers: “Where everyone knows your name!” Gold Medal Tip: Your local pickleball court or knitting circle might just be your new training ground. Attitude Training: Stop Acting Your Age Here’s a radical thought: Maybe we feel old because we act old. Want to stay young? Stay curious, try new things. Try line dancing, pickleball, bird watching, improv, or learning to code. Yes, code. What was the worst advice our mothers gave us? “Act your age.” Nonsense! Whoever said, “You’re only as old as you feel” was on to something – but let’s take it up a notch: How about you’re only as old as your playlist! The Power of a Youthful Attitude in Retirement A successful retirement isn’t just about savings accounts and spreadsheets — it’s about mindset. A positive, youthful attitude is one of the most powerful (and overlooked) assets you can carry into retirement. Even if you don’t feel youthful or optimistic, “fake it ‘til you make it” is more than just a catchy phrase—it’s a strategy. The goal isn't to accurately describe your aches, fears, or fatigue but to set yourself up for success! Science backs it up: a positive outlook boosts health, sharpens cognition, and increases longevity. From a practical perspective, optimism makes it easier to try new things, adapt to change, and enjoy the present—all essential in retirement. So, if the voice in your head says, “I’m too old for that,” try responding with, “This is my time.” You begin to build because what you tell yourself matters, as does what you believe. Retirement is your reward. Approach it like the vibrant, capable, unstoppable human you are because attitude, not age, sets the tone. Gold Medal Tip: You’re only as old as the last thing you tried for the first time. Try something ridiculous, I double dare you! Final Stretch The Retirement Games are here, and let me be crystal clear: this isn’t amateur hour. This is your Olympic moment, with medals awarded for stamina, strategy, and a solid sense of humour. Whether you're rounding the first turn at 45 or doing your victory lap at 75, now is the time to train. You’ve built strength, stretched your budget, flexed your purpose muscle, assembled your dream team, and rebooted your mindset. Now it’s time to lace up, lean in, and live life to the fullest. This isn’t about perfection; it’s about preparation. You won’t achieve a podium finish through wishful thinking; you’ll attain it through action, adaptation, and a great deal of repetition. So, put on your metaphorical tracksuit (or actual tracksuit if it's laundry day) and begin training with determination. The gold medal retirement isn’t just possible—it’s within reach. Cue the confetti cannon. You’re not just aging—you’re advancing. And champions, as we know, don’t retire… they rewire, recharge, and rewrite the playbook. On Your Marks, Get Set, THRIVE! Don’t Retire … Re-Wire! Sue

Hiring More Nurses Generates Revenue for Hospitals

Underfunding is driving an acute shortage of trained nurses in hospitals and care facilities in the United States. It is the worst such shortage in more than four decades. One estimate from the American Hospital Association puts the deficit north of one million. Meanwhile, a recent survey by recruitment specialist AMN Healthcare suggests that 900,000 more nurses will drop out of the workforce by 2027. American nurses are quitting in droves, thanks to low pay and burnout as understaffing increases individual workload. This is bad news for patient outcomes. Nurses are estimated to have eight times more routine contact with patients than physicians. They shoulder the bulk of all responsibility in terms of diagnostic data collection, treatment plans, and clinical reporting. As a result, understaffing is linked to a slew of serious problems, among them increased wait times for patients in care, post-operative infections, readmission rates, and patient mortality—all of which are on the rise across the U.S. Tackling this crisis is challenging because of how nursing services are reimbursed. Most hospitals operate a payment system where services are paid for separately. Physician services are billed as separate line items, making them a revenue generator for the hospitals that employ them. But under Medicare, nursing services are charged as part of a fixed room and board fee, meaning that hospitals charge the same fee regardless of how many nurses are employed in the patient’s care. In this model, nurses end up on the other side of hospitals’ balance sheets: a labor expense rather than a source of income. For beleaguered administrators looking to sustain quality of care while minimizing costs (and maximizing profits), hiring and retaining nursing staff has arguably become something of a zero-sum game in the U.S. The Hidden Costs of Nurse Understaffing But might the balance sheet in fact be skewed in some way? Could there be potential financial losses attached to nurse understaffing that administrators should factor into their hiring and remuneration decisions? Research by Goizueta Professors Diwas KC and Donald Lee, as well as recent Goizueta PhD graduates Hao Ding 24PhD (Auburn University) and Sokol Tushe 23PhD (Muma College of Business), would suggest there are. Their new peer-reviewed publication* finds that increasing a single nurse’s workload by just one patient creates a 17% service slowdown for all other patients under that nurse’s care. Looking at the data another way, having one additional nurse on duty during the busiest shift (typically between 7am and 7pm) speeds up emergency department work and frees up capacity to treat more patients such that hospitals could be looking at a major increase in revenue. The researchers calculate that this productivity gain could equate to a net increase of $470,000 per 10,000 patient visits—and savings to the tune of $160,000 in lost earnings for the same number of patients as wait times are reduced. “A lot of the debate around nursing in the U.S. has focused on the loss of quality in care, which is hugely important,” says Diwas KC. But looking at the crisis through a productivity lens means we’re also able to understand the very real economic value that nurses bring too: the revenue increases that come with capacity gains. Diwas KC, Goizueta Foundation Term Professor of Information Systems & Operations Management “Our findings challenge the predominant thinking around nursing as a cost,” adds Lee. “What we see is that investing in nursing staff more than pays for itself in downstream financial benefits for hospitals. It is effectively a win-win-win for patients, nurses, and healthcare providers.” Nurse Load: the Biggest Impact on Productivity To get to these findings, the researchers analyzed a high-resolution dataset on patient flow through a large U.S. teaching hospital. They looked at the real-time workloads of physicians and nurses working in the emergency department between April 2018 and March 2019, factoring in variables such as patient demographics and severity of complaint or illness. Tracking patients from admission to triage and on to treatment, the researchers were able to tease out the impact that the number of nurses and physicians on duty had on patient throughput. Using a novel machine learning technique developed at Goizueta by Lee, they were able to identify the effect of increasing or reducing the workforce. The contrast between physicians and nursing staff is stark, says Tushe. “When you have fewer nurses on duty, capacity and patient throughput drops by an order of magnitude—far, far more than when reducing the number of doctors. Our results show that for every additional patient the nurse is responsible for, service speed falls by 17%. That compares to just 1.4% if you add one patient to the workload of an attending physician. In other words, nurses’ impact on productivity in the emergency department is more than eight times greater.” Boosting Revenue Through Reduced Wait Times Adding an additional nurse to the workforce, on the other hand, increases capacity appreciably. And as more patients are treated faster, hospitals can expect a concomitant uptick in revenue, says KC. “It’s well documented that cutting down wait time equates to more patients treated and more income. Previous research shows that reducing service time by 15 minutes per 30,000 patient visits translates to $1.4 million in extra revenue for a hospital.” In our study, we calculate that staffing one additional nurse in the 7am to 7pm emergency department shift reduces wait time by 23 minutes, so hospitals could be looking at an increase of $2.33 million per year. Diwas KC This far eclipses the costs associated with hiring one additional nurse, says Lee. “According to 2022 U.S. Bureau of Labor Statistics, the average nursing salary in the U.S. is $83,000. Fringe benefits account for an additional 50% of the base salary. The total cost of adding one nurse during the 7am to 7pm shift is $310,000 (for 2.5 full-time employees). When you do the math, it is clear. The net hospital gain is $2 million for the hospital in our study. Or $470,000 per 10,000 patient visits.” Incontrovertible Benefits to Hiring More Nurses These findings should provide compelling food for thought both to healthcare administrators and U.S. policymakers. For too long, the latter have fixated on the upstream costs, without exploring the downstream benefits of nursing services, say the researchers. Their study, the first to quantify the economic value of nurses in the U.S., asks “better questions,” argues Tushe; exploiting newly available data and analytics to reveal incontrovertible financial benefits that attach to hiring—and compensating—more nurses in American hospitals. We know that a lot of nurses are leaving the profession not just because of cuts and burnout, but also because of lower pay. We would say to administrators struggling to hire talented nurses to review current wage offers, because our analysis suggests that the economic surplus from hiring more nurses could be readily applied to retention pay rises also. Sokol Tushe 23PhD, Muma College of Business The Case for Mandated Ratios For state-level decision makers, Lee has additional words of advice. “In 2004, California mandated minimum nurse-to-patient ratios in hospitals. Since then, six more states have added some form of minimum ratio requirement. The evidence is that this has been beneficial to patient outcomes and nurse job satisfaction. Our research now adds an economic dimension to the list of benefits as well. Ipso facto, policymakers ought to consider wider adoption of minimum nurse-to-patient ratios.” However, decision makers go about tackling the shortage of nurses in the U.S., they should go about it fast and soon, says KC. “This is a healthcare crisis that is only set to become more acute in the near future. As our demographics shift and our population starts again out, demand for quality will increase. So too must the supply of care capacity. But what we are seeing is the nursing staffing situation in the U.S. moving in the opposite direction. All of this is manifesting in the emergency department. That’s where wait times are getting longer, mistakes are being made, and overworked nurses are quitting. It is creating a vicious cycle that needs to be broken.” Diwas Diwas KC is a professor of information systems & operations management and Donald Lee is an associate professor of information systems & operations management. Both experts are available to speak about this important topic - simply click on either icon now to arrange an interview today.

Why Did NATO Assembly Select Dayton, Ohio?

Why was Dayton, Ohio selected to host the 2025 Spring NATO Parliamentary Assembly? Ohio's Gem City will host 282 NATO members and nearly 100 partner legislators for gathering. This is the first time in 20 years that a U.S. city held this meeting. The NATO civilians are gathering at The NATO Village, a secure location in downtown Dayton, to discuss critical issues in relation to NATO's defense and security agenda. They will also be examining the war in Ukraine.  Two logistical reasons for why Dayton was selected is its proximity to Wright-Patterson Air Force Base, a base that focuses on national security, and Dayton is the location where the Dayton Peace Accords were signed 30 years ago. The Accords aided in the ending of the Bosnian War. Congressman Mike Turner (OH-10), head of the U.S. delegation to the NATO Parliamentary Assembly, has been the driving force behind getting the Parliamentary Assembly to Dayton. During this five-day event NATO leaders will examine membership, defense funding, increasing fiscal contributions, strategic deterrence and transatlantic security bond. It is expected that at least two new plans will be proposed to assist in the aforementioned goals. The leaders wish to ensure Ukraine of their support in their fight for freedom and will be considering ways to enforce their support.  Dr. Glen Duerr, professor of international studies at Cedarville University and a citizen of the United Kingdom, Canada, and the United States, is a nationally known expert on this subject and is available to speak to media regarding the NATO Spring Parliamentary Assembly and the implications is has for the U.S. and Dayton, Ohio. To schedule an interview, email Mark D. Weinstein, executive director of public relations at Cedarville University at mweinstein@cedarville.edu or click on his icon.      

Could China Beat America in the Race to Get Boots Back on the Moon?

Call it a matter of pride, national security or a desire for astronomical dominance; there's a sense of urgency within the U.S. government to return to the moon, sparked by China's team of taikonauts, who could land there before American astronauts get back to the lunar surface. The latest space race is a topic that is making national news. Florida Tech's experts are lending their opinions and insights about the likelihood of a lunar return, and what it might mean. NASA, with the urging of many politicians, has been racing to get astronauts back to the moon — before the Chinese land taikonauts on the lunar surface. But what’s the rush to return to a place the United States has already been and left 53 years ago? Especially when Mars looms as an enticing option for interplanetary travel. Space experts say there’s plenty of reasons for the urgency: national pride and national security. But also returning to the moon and building habitats would mean long term dominance in space and ensure access to resources that NASA didn’t know where there when the Apollo missions flew. Now with the Chinese making significant progress in human space exploration, the clock is ticking. “The Chinese in the last 20 years have made amazing strides in all aspects of space. They’re sending robots to the moon on a very regular basis. Now they’re doing some pretty amazing activities even on the far side of the moon, and they have a Chinese space station now in Earth orbit,” said Don Platt, associate professor of space systems at Florida Tech. Can China beat NASA to the moon? “The Chinese have really caught up,” said Platt. “I do believe that the Chinese are definitely advancing their efforts on the moon, and are identifying it as a critical aspect of their strategic future in space." When asked about the prospect of Chinese astronauts making it to the moon before NASA's planned Artemis III mission, Platt said he believes it’s a possibility and he cited the efforts China is making to highlight the importance of the nation's space efforts to its own populace. “They have some amazing videos. They’re really engaging the Chinese public, and really using it to do what what we’ve always done in space, and that is to inspire the next generation and to show the world the technical abilities of the Chinese,” said Platt.  May 21 - USA Today The race is on, and it's getting a lot of attention. If you're a journalist following this ongoing story, let us help with your coverage. Dr. Don Platt's work has involved developing, testing and flying different types of avionics, communications and rocket propulsion systems. He also studies astrobiology and biotechnology systems and human deep space exploration tools. Don is available to speak with media anytime. Simply click on the icon below to arrange an interview today.