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AI Can’t Replace Therapists – But It Can Help Them

For a young adult who is lonely or just needs someone to talk to, an artificial intelligence chatbot can feel like a nonjudgmental best friend, offering encouragement before an interview or consolation after a breakup. AI’s advice seems sincere, thoughtful and even empathic – in short, very human. But when a vulnerable person alludes to thoughts of suicide, AI is not the answer. Not by itself, at least. Recent stories have documented the heartbreak of people dying by suicide after seeking help from chatbots rather than fellow humans. In this way, the ethos of the digital world – sometimes characterized as “move fast and break things” – clashes with the health practitioners’ oath to “first, do no harm.” When humans are being harmed, things must change. As a researcher and licensed therapist with a background in computer science, I am interested in the intersection between technology and mental health, and I understand the technological foundations of AI. When I directed a counseling clinic, I sat with people in their most vulnerable moments. These experiences prompt me to consider the rise of therapy chatbots through both a technical and clinical lens. AI, no matter how advanced, lacks the morality, responsibility and duty of care that humans carry. When someone has suicidal thoughts, they need human professionals to help. With years of training before we are licensed, we have specific ethical protocols to follow when a person reveals thoughts of suicide. Read the full article from US News & World Report here

A Roadmap or a Rift? Examining Trump’s 28-Point Ukraine Peace Proposal

As negotiations around the war in Ukraine continue to dominate global headlines, a newly surfaced 28-point peace proposal associated with former U.S. President Donald Trump has triggered intense debate across NATO capitals, Kyiv, and Moscow. The document — described in reporting by Reuters, Axios, Sky News, Al Jazeera and other outlets — outlines a framework aimed at ending the conflict but includes provisions that many analysts say could significantly reshape Europe’s security landscape. A Plan Built Around Ceasefire, Guarantees, and Reconstruction At its core, the plan calls for a formal ceasefire, a non-aggression pact between Russia, Ukraine, and European states, and a set of “security guarantees” meant to deter future conflict. Reporting indicates that Ukraine would receive assurances that any renewed Russian offensive would trigger a coordinated international response. The plan also proposes the creation of a major reconstruction program — potentially financed in part with frozen Russian assets — to rebuild infrastructure and modernize Ukraine’s economy. The proposal references pathways for deeper Ukrainian integration with Europe, including support for progressing toward EU membership and providing enhanced access to European markets. A large “Ukraine Development Fund” is also mentioned in multiple summaries of the plan. Provisions Driving the Most Global Pushback The most controversial elements relate to Ukraine’s territorial integrity and long-term security posture. Outlets such as Sky News and Al Jazeera report that the draft would recognize Russian control over Crimea and large parts of Donetsk, Luhansk, Zaporizhzhia, and Kherson — areas currently occupied by Russian forces. Ukraine would also be required to formally abandon NATO membership and cap its military at 600,000 personnel. Additional provisions include restrictions on the presence of foreign troops in Ukraine, phased lifting of sanctions on Russia, full amnesty for war-related actions, and the reintegration of Russia into global economic and political structures. These components have drawn sharp responses, particularly from European leaders who argue the plan could reward aggression and undermine international legal norms. Dr. Glen Duerr is a citizen of three countries. He was born in the United Kingdom, moved to Canada as a teenager, and then to the United States to obtain his Ph.D. His teaching and research interests include nationalism and secession, comparative politics, international relations theory, sports and politics, and Christianity and politics. View his profile. What Remains Unclear or Still Under Discussion Reporting from Reuters and AP notes that many sections of the plan remain undefined or are still in flux. The exact mechanism behind the proposed security guarantees is not detailed. Oversight of reconstruction funds, timelines for reintegration of Russia, and the legal handling of frozen assets also require further clarification. Some reporting suggests parts of the plan draw from a prior informal Russian “non-paper,” raising questions about the provenance and intent of specific provisions. Why the Proposal Matters With the war approaching four years of fighting, any formal proposal for ending hostilities carries significant geopolitical weight. Supporters of the plan frame it as a pragmatic attempt to halt loss of life and begin rebuilding. Critics argue it risks legitimizing territorial conquest and weakening the broader post-Cold-War security order. As governments evaluate the implications, journalists covering defense, diplomacy, and international law will find this evolving proposal central to understanding where U.S., European, Russian, and Ukrainian negotiators may — or may not — be willing to go next.

Budget 25 – initial reactions related to personal financial wellbeing

As the director of the Aston Centre for Personal Financial Wellbeing, and a professor of taxation, I obviously take particular interest in the annual budget day as it sets a tone for much of the personal finance changes that are likely to occur in the near future. The lead up to this year’s budget had unprecedented levels of speculation with much of the press and commentators trying to get attention with ever more it seemed wilder guessing of what the chancellor might do – largely unhelpfully and worrying people and the markets unnecessarily. Almost all of this proved wide of the mark as the budget didn’t increase any of the main taxes at all, and where it might nudge National Insurance contributions (NICs) up for some, this won’t be for a few years and only in a small area (pension payments for employees) that won’t actually affect most people. Small and cautious steps to reform The reason for all this speculation of key changes needed was that everyone suspected there was a big hole in the national finances. This was shown not to be the case. In fact, predictions provided in the budget documents are we’d in fact be in budget surplus by the end of this parliament period even before the changes announced take effect. This was a surprise to many and meant the chancellor could actually focus on at least some small and cautious steps towards reforming how our tax, benefit and government spending systems work. What she proposed therefore is currently predicted will raise circa £26bn and give the government ‘head-room’ to cope with economic changes later rather than needed to fill a feared financial black hole now – good news all round! This meant what we actually got was lots of smaller changes with fewer ‘rabbit out of a hat’ big tax surprises than we have had in recent years – a welcome steadying trend I hope will continue. She also promised some short-term spending that can be paid for with a combination of extra borrowing now and with increased taxes later – again a trend of recent budgets. If these tax changes actually happen in the end, then it will be down to what happens between now and when these were proposed to commence – by no means a guarantee these will ever happen. Later budgets, or other rule changes in the future, could easily retract or counter them (all chancellors like to announce planned tax changes aren’t going to happen for obvious political gain reasons!). Income tax changes The largest share of the extra £26bn raised will come from extending the income tax thresholds for a further period – now to 2031. These have been fixed (at £12,570 for example for the point at which income tax starts to need to be paid on personal incomes) since at least 2023, some well before this. This matters, as, when wages rise due to inflation, people are not better off in reality (you get more income but things cost more), but may end up paying more tax than before as the thresholds haven’t increased with inflation to the same degree (what we call ‘fiscal drag’). As such, holding these thresholds fixed for longer will raise extra money for the government (predicted to be over £12bn a year in 2030-31 for example) – largely unnoticed as to many it doesn’t feel like the tax rise it clearly is. The threshold fixing extension announced today will mean that as many as 700,000 more people will start to pay some income tax when they wouldn’t currently, and up to 1 million more people will start to pay higher rates of tax than currently – all without being actually better off in real terms. Some call this stealth tax, but it feels very real when it starts to affect you if your total taxable incomes fall near these threshold levels. There were in total more than 70 other tax measure changes in this budget – a huge number and lots to get your head around. However, most of these will not affect most people and are relatively small in nature – targeted at making the tax system a little fairer (i.e. those on higher incomes, with more savings, dividends, receiving additional income from property they own etc – paying more taxes as a proportion of the total amount raised in tax from all sources). This is clearly welcome news (at least for those not being asked to pay this extra) in the current climate. The biggest changes for financial wellbeing As a research centre focusing on individual and family financial wellbeing, what do we think are the specifics announcements made that are most likely to affect people – several headline announcements are worth highlighting: -  1. The removal of the two-child limit on benefit eligibility is obviously a key headline – long touted as a key reason larger families are much more likely to be in poverty than smaller families. This is a key change that many Labour MPs wanted to see happen and the chancellor has delivered on it. This is very welcome news – although it won’t start to affect these families until after April 2026 to give time to bring these measures into place – but then predicted to lift 450,000 children out of poverty. 2. As part of making the tax system more progressive, a brand-new tax was announced on very expensive houses in England – to be snappily called the High Value Council Tax Surcharge (or HVCTS) – although expect it to be called the ‘mansion tax’ by everyone! The UK’s main local tax (council tax) isn’t going to be reformed as such in this change – despite being the target of much speculation that it is just too regressive to leave unreformed any longer after we haven’t revalued houses in most of the UK since 1991. This will instead be an additional tax, commencing in April 28, on those whose properties are valued (now) at £2m or more – with higher rates rising to those with properties over £5m. Clearly this will affect relatively few in most of the UK (only expected to affect 1% of properties nationally), but will affect some and will raise extra revenues (expected to raise circa £400m+ a year) to directly support provision of local services – much needed in many parts of the UK. 3. New taxes on electric cars – given fuel duty is not paid by those who drive electric cars (as they don’t buy petrol or diesel) there have been calls for new taxes to be charged to electric car drivers. While these cars may be better for the environment when driven, they continue to wear roads and contribute to congestion. The government is proposing a per mile charge from April 28 (to be called the Electric Vehicle Excise Duty or eVHD) for these vehicles which will be painful for electric car divers – not least as this cost as not known when purchase decisions were made. No-one likes a tax charged on something you have already made the decision to buy so expect this to be unpopular. It is proposed currently to cost EV drivers around £20/month – about half the rate of fuel duty on average – and expected to raise circa £2bn a year by 2030-31. I expect this tax will become more nuanced in future perhaps as technology enables perhaps different charges to be applied to use of congested city roads compared to open rural driving perhaps - we will see.  4. National Insurance deductibility for pension contributions via salary sacrifice schemes operated by many employers for their employees is to be capped at £2,000 (although only from April 29 – so no immediate effect). This now very widely used approach to making pension contributions if you are an employee that in effect avoids you having to pay NIC on this income going into your pension. For those with larger pension contributions the bit that can be made before NIC is due on the extra this will be capped in the future to £2,000 per year – again affecting those who receive higher pension contributions most and affecting those at the bottom of the income spectrum, little if at all (74% of employees are predicted not to be affected). Is this a breach of the Labour manifesto promises not to increase the main taxes? For some it certainly seems that way. What didn’t happen? There are many smaller measures to explore, or ones that are not coming into effect for the next year or more that might have been missed from the news headlines but that will almost certainly affect lots of people. To name just a few (including highlighting several things NOT going to happen – which will obvious not save people money per se, but help by not costing them more): - above inflation increases to national minimum (‘living’) wage for all age groups from April 2026 (+4.1% for those over 21)– although still not raising this to ‘real living wage’ levels. further extension of holding off on the 5p/litre fuel duty rise not increasing prescription charges (staying at £9.90 for the next year) confirming state pension rises by 4.8% from next April (worth £575/year) confirming £150 winter fuel payments again this winter to over 6 million homes freezing regulated rail fares – preventing the usual annual increases from January (the first time this has happened in 30 years) extending the government’s Help to Save scheme to more benefit recipients than previously No immediate impact for most Overall, this is therefore probably a welcome budget for many, those on lower incomes will likely get the most from these measures, if all are applied as proposed, but most won’t see much of an immediate impact immediately – and with the largest benefit likely to all on larger families in receipt of benefits from next April.

Why Are Canadian Banks Not Protecting Seniors? The $40 Billion Dollar Question

After an 89-year-old Victoria man lost $1.7 million to phone scammers despite bank red flags, retirement expert and authour, Susan Pimento, exposes a critical protection gap: while U.S. banks like Bank of America offer "Trusted Contacts" (designated people banks call to verify suspicious transactions) for all accounts, Canadian banks restrict this safeguard to investment accounts only—leaving everyday banking vulnerable where most fraud occurs. In Canada, senior fraud is vastly underreported (RCMP estimates only 5-10% surface), and banks are treating this as a cost issue rather than a moral crisis.  Susan Pimento is available for interviews to discuss practical solutions, industry insights from her decades of work within financial institutions, and why Canadian banks are failing to implement a simple fix that could save seniors' life savings. Connect with her directly through ExpertFile to schedule TV, radio, podcast, or print interviews.  As I was polishing this post for Canadian Financial Literacy Month, another senior fraud story flashed across my screen. This one stopped me cold. According to this CBC story, an 89-year-old man in Victoria, B.C., was tricked into handing over nearly $1.7 million of his life savings in a months-long phone scam. The caller claimed to be from the fraud department at CIBC and said he was helping with a national money-laundering case. (Spoiler: he wasn't.) Despite red flags and staff awareness, the bank still allowed large in-person withdrawals. He was told to buy gold bars — yes, actual gold bars — with drafts of up to $395,000, which couriers then collected like some twisted Uber Eats retirement fraud. Every week in Canada, we see another heartbreaking headline: a senior sends thousands, sometimes millions, to a scammer pretending to be their grandchild, the CRA, or — the ultimate irony — their bank.  These scams targeting seniors don't require fancy hacking. They rely on fear, isolation, and misplaced trust. Once the money's gone, it's gone—no refund policy. And here's the kicker: what we're reading about is just the tip of the iceberg. For seniors, fraud now ranks as the top crime, and most fraud goes unreported—especially in this demographic. In a previous post, I showed how the data suggests the real figures could be 10 to 20 times higher than what's officially reported.  The RCMP estimates that only 5-10% of fraud victims come forward. Many victims never speak out due to embarrassment, fear, or confusion. Translation? For every story that makes the news, countless others suffer in silence. How The Banking Industry Can Actually Fight Fraud I've worked within financial institutions for decades. Let's just say I understand how the process works. Banks have billion-dollar tech stacks, layers of compliance, and advanced fraud detection systems that can flag a suspicious $47 transaction in milliseconds. But the solution for this type of fraud isn't a multimillion-dollar algorithm or a new "AI-powered fraud prevention dashboard." Instead, it's a human-based approach called a Trusted Contact. What's a "Trusted Contact," Anyway? It's not an app, a chatbot, or some new gadget that requires a firmware update every Thursday. It's a person.  Someone you trust — a family member, attorney, accountant, or another third-party who you believe would respect your privacy and know how to handle the responsibility of communicating with your bank in your best interests if something suspicious occurs. They don't access your money or view your accounts. They can't see that you spent $47 at the LCBO last Tuesday (Your secret is safe). They're simply your human safety net — a fraud wing person, if you will. The Origins of the Trusted Contact The concept began in the U.S. in 2018, when FINRA mandated investment firms to request a Trusted Contact Person. Canada followed in 2022, when the Canadian Securities Administrators introduced similar guidance for investment accounts. What things can be discussed with a trusted contact? As its name implies, a Trusted Contact is a designated person who is inherently trusted by the individual (and has no authority to transact business on a client’s account), so there is little to no danger that any reasonable disclosure would violate a client’s trust or give rise to any material issue.” What Canadian Banks Are Doing...And Not Doing Here's the good news. If you invest through Wealthsimple, RBC Direct Investing, TD Direct, or BMO InvestorLine, you can already designate a Trusted Contact. But here's where it gets ridiculous: RBC Direct might have that security feature — but your regular RBC chequing account? Not so much. That protection vanishes the moment Mom or Dad logs into their everyday banking. And that's where most fraud actually occurs. It's like installing a state-of-the-art security system on your front door but leaving the back door wide open with a welcome mat that says "Scammers Enter Here!" Fraud in Canada for Banks is Still a Budget Item: Not a Moral Crisis Here's the uncomfortable truth: For banks, fraud is considered a "cost of doing business." And since most of those losses are borne by customers, not the bank, there isn't much urgency to innovate.  The Big Five earned over $40 billion in total last year. They have the means to care. They're not particularly motivated to actually do so. The Big Opportunity for Banks: Add a Little Humanity to the System Banks like to boast about their AI, blockchain, and next-gen fraud analytics. But most scams don't occur because of breached firewalls — they happen because of breached hearts. A Trusted Contact provides an additional simple, low-tech layer: human verification. Picture this: The bank spots an unusual transaction — a large new payee, an international wire transfer, or a sudden gold-bar purchase (it happens). Instead of sending another automated text alert, the system could ask: "This looks unusual. Would you like us to confirm with your Trusted Contact before proceeding?" or “Just a heads-up: scammers often use urgent or unusual requests. Prefer we run this by your Trusted Contact before we proceed?” That's it. One additional step. One extra set of eyes. One brief conversation could save someone's life savings. This isn't about limiting independence — it's about safeguarding autonomy. Ensuring your decisions are genuinely yours, not the scammer's. Banks could even call it "Senior Protection Mode." I'd sign up tomorrow. Heck, I'd pay extra for it. (Shhh, don't tell them that.) Here's the Proof Trusted Contacts Work: Bank of America Did It In 2022, Bank of America became the first major bank to extend Trusted Contacts beyond investment accounts to everyday banking clients. Customers can now add a trusted person the bank can call if something seems wrong, if they can't reach you, or if staff suspect undue influence. That person can't access your money — they're just the human speed bump before disaster: one simple form, one phone number, and much heartbreak avoided. If Bank of America can do it, why can't ours? Canadian banks already have the tech — and indeed the profits — to make it happen. What's Holding Canada's Banks Back? Cue the usual excuses: "Our legacy systems can't handle that." Sure — some of your code still thinks "Y2K" is an active threat. But if you can build an app that tracks my latte points and sends me notifications about my "spending insights,"  you can add one field for a Trusted Contact. "Privacy laws make it risky." Nope. FINRA and the CSA already provide safe-harbour protections. With consent, banks can legally contact a Trusted Person. Just add a checkbox. You love checkboxes. You make us check dozens of them every time we update our password. "Customers haven't asked for it." They're asking now. Loudly. With megaphones. And pointing at stories like the Victoria gentleman who lost $1.7 million in gold bars. The business case has historically been weak because most fraud losses affect customers, not the bank's balance sheet. But here's the catch: every fraud story damages trust. And in banking, trust is supposed to be the core of the business. For Canadian Banks There's a Competitive Advantage in Caring Rolling out a Trusted Contact feature isn't just good ethics; it's good business. Imagine the marketing campaign: "We don't just protect your password — we protect your peace of mind." Seniors would love this. So would their kids. That's multi-generational loyalty money can't buy. If EQ Bank or any challenger brand wanted a PR home run, this would be it. It's Time to Take Action on Fraud To the Banks: Stop waiting for regulators to force your hand. Lead. Be the first to offer Trusted Contacts for all customers — not just investors. You have the framework, the talent, and the budget. You absolutely do not need another consultant to tell you this is the right thing to do. To Policymakers: The Financial Consumer Agency of Canada should update its Code of Conduct to include a mandatory Trusted Contact option for all customers, safe-harbour rules allowing banks to pause suspicious transactions, and annual public reporting on outcomes. Because sunshine is the best disinfectant, even in banking. To Consumers: Don't wait for policy — be the policy. Ask your bank today if you can add a Trusted Contact. If they say no, ask why not — and post it. Loudly. Talk to your family. Choose your Trusted Person now. Write your MP or MPP and ask why U.S. banks protect seniors better than ours. Remember the $3 ATM Fee Rebellion?  Canadians once revolted over paying $3 to access their own money at ATM's. We later got no-fee accounts, digital challengers, and a whole new generation of more innovative banking.  If we can rally over an ATM fee, surely we can rally to protect our parents and grandparents from losing their life savings. Fraud isn't an inevitable part of aging — it's a solvable problem. And Trusted Contacts are one of the simplest, most human solutions we have. Don't Forget Two-Factor Authentication for the Soul Adding a Trusted Contact won't stop all fraud — let's be clear about that. But it will go a long way toward slowing it down, adding a common-sense pause, and potentially saving even one senior from losing any part of their hard-earned money. It's unfortunately too late for that gentleman and his family in BC, but it's not too late for countless others. This won't crash legacy systems or drain bank profits. It just adds a little humanity back into banking — right where it belongs. Because the best kind of security isn't just two-factor authentication. It's two people who care. And if we don't care about protecting our elders, who exactly do we care about? Sue Don’t Retire…Re-Wire! Want to become an expert on serving the senior demographic? Just message me to be notified about the next opportunity to become a "Certified Equity Advocate" — mastering solution-based advising that transforms how you work with Canada's fastest-growing client segment.

Holiday Anxiety Is Real — Here’s How People Can Actually Stay Sane This Season

The holidays promise joy, warmth, and “quality time,” but for many people they also deliver a cocktail of stress, expectations, forced cheer, family politics, and receipts longer than a CVS bill. Between travel chaos, financial pressure, social burnout, and attempting to assemble toys designed by engineers who clearly hate humans, holiday anxiety is soaring. The good news: experts who study mental health, behaviour, and stress management say there are ways to keep your nerves intact — and maybe even enjoy yourself along the way. Why the Holidays Stress People Out (Science Says It’s Not Just You) Adults report higher levels of stress in November and December than almost any other time of year. Common triggers include: Financial expectations: gifts, gatherings, travel, meals, and the sudden belief that every present needs to be “meaningful.” Time pressure: too much to do, too few days on the calendar. Social overload: introverts, extroverts, and “I’m-just-here-for-the-food-verts” all feel it. Family dynamics: every family has at least one person who always “starts something.” Nostalgia vs. reality: the pressure to create a “perfect holiday,” despite the fact that perfect holidays only exist in movies and greeting cards. Experts note that people often skip their routines (sleep, exercise, healthy meals) and then wonder why their stress spikes. The season demands more of people while simultaneously removing their coping mechanisms. Practical Ways to Reduce Holiday Anxiety — Backed by Psychology (and Common Sense) 1. Lower the Bar: “Good Enough” Is a Holiday Gift to Yourself Researchers consistently find that perfectionism fuels anxiety. A store-bought pie, a slightly messy house, or wrapping gifts in whatever paper you can find at 11 p.m. will not derail the season. 2. Set Boundaries (Even With the Loud Relatives) Experts often emphasize that saying “no” is one of the most effective stress-management tools. Fewer events, fewer obligations, fewer emotional landmines. 3. Budget Before You Shop Financial therapists note that anxiety drops when people pre-set limits and stick to them. You don’t need a MasterCard bill that arrives in January carrying the emotional weight of a Greek tragedy. 4. Protect Your Recharge Time A short walk, fresh air, or 10 minutes of solitude is not selfish — it’s psychological maintenance. Mental-health researchers recommend intentionally scheduling downtime before the calendar fills itself. 5. Keep Expectations Realistic Not every moment will be magical. Not every conversation will be smooth. Not every plan will unfold as imagined. Experts say acceptance, not forced positivity, lowers stress significantly. 6. Focus on Meaning, Not Perfection Studies show that people feel calmer when they shift their focus toward connection, gratitude, and small moments rather than elaborate performances of holiday cheer. Holiday Angles for Journalists The psychology behind holiday anxiety — what triggers it and why it’s so universal How family systems and old patterns surface at holiday gatherings The economics of holiday stress — debt, spending pressure, and emotional spending How introverts (and extroverts) navigate holiday overload differently Why holiday nostalgia makes people emotionally sensitive Healthy boundary-setting during family events How immigrant, multicultural, and blended families are reshaping holiday expectations Let's get you connected to an expert. The holiday season is increasingly fast-paced, commercialized, and socially demanding. Many people feel pressure to present a perfect life at a time when burnout, financial strain, and mental-health challenges are higher than ever. Helping audiences understand holiday stress — and giving them practical, research-grounded strategies — can make a measurable difference in their emotional well-being. For journalists covering mental health, family dynamics, holiday culture, or stress-management trends, ExpertFile’s roster of psychologists, counsellors, behavioural scientists, and wellness experts can offer insights, interviews, and real-world advice to support your reporting. Find your expert here: www.expertfile.com

“Lake Health Under the Microscope: RPI Researcher Offers First Real-World Look at Herbicide Impact”

In a recent Rensselaer Polytechnic Institute news release “RPI Collaborates on First-of-its-Kind Research Study to Keep New York Lakes Healthy,” Dr. Kevin Rose is featured as the essential expert behind an unprecedented field study of the aquatic herbicide florpyrauxifen-benzyl (FPB / ProcellaCOR) in New York lakes. As Director of the Darrin Fresh Water Institute (DFWI) at RPI, Rose helped lead the research team that examined long-term, real-world behaviour of the herbicide—discovering that while it disappears rapidly from open water, it lingers in lake-bed sediments for over a year and even spreads beyond original treatment zones. Rose’s involvement highlights his role in translating cutting-edge freshwater science into actionable insights for lake managers, regulators and communities. “New products are occasionally introduced into ecosystems as we work to prevent harm from threats like invasive species,” says Rose. “Many of these tools can bring tangible benefits, but it’s essential to understand their long-term impacts and potential unintended consequences.” Dr. Rose’s leadership brings clarity to an issue that can easily be oversimplified in public debate. By grounding the study in real-world field data rather than controlled laboratory assumptions, he provides a more accurate picture of how aquatic herbicides travel, transform, and linger in lake systems. His work highlights why science-based lake management — informed by long-term monitoring — is critical for maintaining the health, resilience and recreational value of New York’s freshwater ecosystems. For journalists covering invasive species, lake health, climate resilience, herbicide use or the future of freshwater ecosystems, Dr. Kevin Rose is an essential source. He brings both scientific authority and real-world relevance to a topic that affects communities, policy decisions and environmental outcomes across the state.  Click on his icon now to arrange an interview today.

Your First Scroll of the Day Is Wrecking Your Sleep and Focus, Says ADHD Therapist

For many people, the day doesn’t start with getting out of bed - it starts with reaching for the phone. Psychotherapist Harshi Sritharan, who specializes in ADHD and anxiety, says that tiny habit is doing more damage than most of us realize. “When you check your phone before you’ve even sat up, you’re flooding your brain with microbursts of dopamine,” she explains. “Dopamine is a key part of our motivation and reward system. Those quick hits of novelty - notifications, texts, news, social feeds - tell the brain, ‘This is where the good stuff is.’” The problem? That early surge doesn’t just switch on your day. It primes your nervous system to stay on high alert. “You’ve now trained your brain to expect that level of stimulation,” Sritharan says. “For many people with ADHD, nothing else in their day compares - school, work, chores all feel flat by comparison. That’s where that constant ‘I’m bored’ feeling can come from.” That ongoing “high alert” isn’t just about boredom, though. It’s also a sign of a dysregulated nervous system: your brain scanning for the next hit of information, your body sitting in low-level fight-or-flight. Over time, that uncertainty - What’s waiting for me in my inbox? Did I miss something? - can exacerbate anxiety and executive dysfunction. Nighttime habits make things worse. Those late-night emotional spikes from doom-scrolling, stressful emails, or intense content don’t just keep your mind busy. They can trigger the sympathetic nervous system - the body’s fight, flight, or freeze response - and potentially release stress hormones like cortisol and adrenaline. “That combination,” Sritharan notes, “blocks melatonin, dysregulates the nervous system, and sends your body the opposite message of what it needs before sleep. You’re basically telling your brain, ‘We’re in danger,’ and then expecting it to rest.” Instead of shaming people for these habits, Sritharan takes a “knowledge equals power” approach. “I don’t tell clients, ‘Just stop doing that,’” she says. “I teach them what’s happening in their brain and nervous system so they can understand why it feels so hard to put the phone down. Once people see the pattern, they feel less broken - and more motivated to experiment.” “Most people don’t need a total digital detox,” Sritharan says. “They need skills, not shame. When they understand how their brain is wired - especially with ADHD - they can design habits that work with their nervous system instead of against it.” Her message to anyone who feels stuck in the cycle: don’t blame your willpower. “This is your biology, not a personal failure,” she says. “When you understand what your brain is doing, you can finally start changing the script.” ⸻ About the Expert Harshi Sritharan is a psychotherapist who focuses on ADHD, anxiety, and intentional tech use. She helps clients understand dopamine cycles, rebuild healthy routines around sleep and screens, and create realistic boundaries that work in real life - not just on paper. Harshi is part of the Offline.now ADHD Expert Community.

The Retiree's Guide to Market Volatility: Building Your Financial Safety Net with a Cash Wedge Strategy

Let's get one thing straight: the stock market doesn't care that you're retired. It doesn't care that you finally cleaned out that drawer full of ancient T4 slips, promised yourself you'd stop checking your RRIF balance daily, or told your spouse, "This year, we're sticking to the plan." The Market Doesn't Care About Your Retirement Date Markets wobble because they wobble. Headlines panic. Analysts disagree sharply — and confidently. And somewhere, a retiree stands in front of the fridge, wondering whether to sell everything or simply turn off the news. But retirement isn't a day-trading contest; it's a decades-long longevity project. The aim is to generate reliable income, maintain sleep-at-night discipline, and avoid the common mistake among retirees of saving too much while living too little. Your Retirement Income Defense: Sectors That Weather Any Storm Read the news, and you'll see a constant blizzard of rising prices created by our neighbours to the south. Not just little price increases, but if economists are right about what we can expect, it's best to “inflation-proof” yourself - before you need it.  But keep in mind, every downturn follows the same pattern: a few key sectors keep humming while everything else goes through a mild identity crisis. The Classic Defensive Trio for Canadian Retirees: Consumer Staples (groceries, household essentials) Utilities (keeping the lights on and heat up) Healthcare (aging doesn't pause for recessions) Research on past downturns shows these sectors experienced significantly smaller losses than the S&P 500 during selloffs. When markets tantrum, these industries act like the sensible cousin who says, "We'll get through this. Have a muffin." Canadian-Specific Additions: Telecoms (we'll cut many things, but not Wi-Fi) Pipelines (fee-for-service revenue, though rate-sensitive) Combine these with low-volatility or dividend ETFs, and your portfolio suddenly feels less like a roller coaster and more like a slow-moving Via Rail train: reasonably steady, unfussy, and you still get to where you're going. The Cash Wedge: And Why You Need One Think of your retirement plan as a three-layer cake: Long-term investments (stocks, dividend ETFs, balanced portfolios) Intermediate safety assets (short GICs, T-bills, high-interest savings) Cash you can actually live on (your wedge) Your Cash Wedge sits at the very front of the line — a 12–24-month cushion of living expenses held in stable, boring, absolutely-not-newsworthy places: High-interest savings accounts Short-term GICs Treasury bills Cashable deposits It's essentially the "dry powder" you need to ride through market volatility without panic-selling. Three Critical Risks Your Cash Wedge Protects Against 1. Sequence-of-Returns Risk in Early Retirement This is the risk that markets drop early in your retirement while you're withdrawing. It's the silent killer of portfolios. A cash wedge buys you: Time for dividends to arrive Time for markets to recover Time for calm to return 2. Emotional Decision-Making During Market Downturns When markets fall, too many retirees experience "sell-and-suffer syndrome": They sell low Lock in losses Delay recovery Reduce the lifespan of their savings 3. Portfolio Depletion at Critical Moments Without a cash wedge, every withdrawal during a downturn digs a deeper hole. With a cash wedge, withdrawals can pause while investments rebound. "Think of a cash wedge as retirement jiu-jitsu — using stability to neutralize volatility." How to Calculate Your Ideal Cash Wedge Size There's no magic number, but here's a practical framework: 12 months of essential expenses for retirees with pensions or steady income sources 18 months for those relying heavily on investments 24 months for anyone highly risk-averse or aging in place on a fixed budget This isn't a pile of cash sitting in a chequing account — it's a structured, laddered buffer. Why Canadian Retirees Often Resist Building a Cash Wedge I've heard all of these comments over the years from many retirees: "Cash earns nothing." Not true anymore — HISAs and T-bills offer competitive yields. "I don't want my money sitting around doing nothing." It isn't doing nothing — it's protecting your future income. "I've always been fully invested." Retirement changes the rules. What worked during the accumulation phases of retirement can be dangerous during deaccumulation. The Cash Wedge is not an investment strategy. It is an income preservation strategy — the most important one in retirement. Real-Life Example: The 2020 Market Crash Test Remember 2020?  Stock markets dropped nearly 35% in just weeks. Let's consider two couples with similar assets: Couple A : had a 2-year cash wedge Couple B : had none Couple A simply shifted withdrawals from their wedge, not their portfolio. Couple B sold their best assets at their worst prices — causing permanent damage. This is why I tell retirees: "The Cash Wedge protects your portfolio from you." It’s 12–24 months of living expenses kept in cash, high-interest savings accounts (HISA), short-term GICs, or T-Bills. It's not exciting. No one flaunts a 6-month GIC at brunch. But the emergency fund prevents disaster: selling investments at the worst possible time. It buys you time. It buys you calm. It buys you the uninterrupted ability to buy groceries. The Cash Wedge alone is powerful. But for Canadian homeowners — especially those whose wealth sits mostly in their property — there’s a second buffer that can dramatically strengthen your financial resilience: your home equity.  We'll explore that in Part 2 of this post tomorrow.  Sue Don’t Retire… ReWire!!! Want to become an expert on serving the senior demographic? Just message me to be notified about the next opportunity to become a "Certified Equity Advocate" — mastering solution-based advising that transforms how you work with Canada's fastest-growing client segment.

U.S. News: AI Can’t Replace Therapists – But It Can Help Them

For a young adult who is lonely or just needs someone to talk to, an artificial intelligence chatbot can feel like a nonjudgmental best friend, offering encouragement before an interview or consolation after a breakup. AI’s advice seems sincere, thoughtful and even empathic – in short, very human. But when a vulnerable person alludes to thoughts of suicide, AI is not the answer. Not by itself, at least. Recent stories have documented the heartbreak of people dying by suicide after seeking help from chatbots rather than fellow humans. In this way, the ethos of the digital world – sometimes characterized as “move fast and break things” – clashes with the health practitioners’ oath to “first, do no harm.” When humans are being harmed, things must change. As a researcher and licensed therapist with a background in computer science, I am interested in the intersection between technology and mental health, and I understand the technological foundations of AI. When I directed a counseling clinic, I sat with people in their most vulnerable moments. These experiences prompt me to consider the rise of therapy chatbots through both a technical and clinical lens. AI, no matter how advanced, lacks the morality, responsibility and duty of care that humans carry. When someone has suicidal thoughts, they need human professionals to help. With years of training before we are licensed, we have specific ethical protocols to follow when a person reveals thoughts of suicide. Read the full article here:

Black Friday 2025: Earlier, Bigger and More Digital Than Ever

Black Friday is no longer just a day – it’s becoming an entire season. In 2025, shoppers are starting earlier, spending more and relying heavily on technology to find the best deals. With online shopping now the dominant force, an estimated 71% of consumers plan to browse and buy from their screens rather than stand in long lines. Baylor University consumer behavior expert James A. Roberts, Ph.D., said this year’s sales stretch well beyond Thanksgiving weekend. Top 5 Black Friday Trends from Dr. James A. Roberts Retailers have pushed promotions into early November – and in some cases, late October – creating what many now call “Black November.” And for the true procrastinators, “Desperate in December” is the new reality, with next-day delivery extending holiday shopping right up to the last minute. Even as shoppers plan to spend up to 10% more, they’re extremely price sensitive, Roberts said. Inflation, rising living costs and ongoing economic uncertainty – including concerns over tariffs – are prompting consumers to hunt for deeper discounts and compare prices more closely than ever. That caution is also fueling another trend: increased use of buy-now-pay-later plans. While convenient, Roberts urges shoppers to approach them carefully to avoid overspending. Technology also is accelerating the shift. AI tools and retail chatbots are helping customers track deals and make purchases, while influencers and social media ads continue to shape buying habits. Cost-conscious platforms like Temu and Shein are poised for another strong season. Clothing, electronics and home goods remain top categories, Roberts said, with gift cards still the go-to for last-minute buyers. Walmart, Target and Kohl’s are expected to be the most popular in-store destinations, while Amazon – unsurprisingly – continues to dominate Cyber Monday. Overall spending remains robust. Shoppers are expected to spend roughly $20 billion across online and in-store purchases, split almost evenly between the two. The best bargains will be toys discounted about 25 percent, phones and computers discounted around 30 percent and TVs discounted an average of 23 percent. The typical shopper will spend about $650 this holiday weekend. How to navigate the shopping frenzy Roberts offers some simple advice for navigating the frenzy: Set a budget, stick to it, choose thoughtful gifts and keep the season in perspective. After all, the most meaningful gifts are the ones that show how well you know the people you love. ABOUT JAMES A. ROBERTS, PH.D. James A. Roberts, Ph.D., is The Ben H. Williams Professor of Marketing at Baylor University’s Hankamer School of Business. A noted consumer behavior expert, he is among the Top 2% Most-Cited Researchers in a database compiled by Stanford University. In addition to journal citations, Roberts has often been called upon by national media outlets for his consumer expertise and latest research. He has appeared on the CBS Early Show, ABC World News Tonight, ABC Good Morning America, NBC’s TODAY Show and NPR’s Morning Edition, as well as in articles in The New York Times, USA TODAY, The Wall Street Journal, TIME and many others. Roberts’ research has focused on how individual consumer attitudes and behavior impact personal and collective well-being, including investigating the factors that drive ecologically and socially conscious consumer behavior, the impact of materialism and compulsive buying on well-being and the effect of smartphone and social media use on personal well-being. He is the author of “Shiny Objects: Why We Spend Money We Don’t Have in Search of Happiness We Can’t Buy” and “Too Much of a Good Thing: Are You Addicted to Your Smartphone?”