Experts Matter. Find Yours.
Connect for media, speaking, professional opportunities & more.
“With Global Antisemitism Rising, ‘Never Again’ Rings Hollow”
Hofstra Professor of Political Science and Director of the European Studies Program Carolyn Dudek wrote a guest essay for Newsday: “With global antisemitism rising, ‘Never Again’ rings hollow.” Dr. Dudek was awarded the 2024 Jean Monnet Chair to expand research, teaching, and course development on the European Union, with a specific focus on EU anti-discrimination policies that address marginalized groups, such as Jews, Muslims, Roma, women, communities of color and the LGBTQ+ community.
Study: Many pregnant women uncertain of marijuana risks even as use increases
Many pregnant women are unsure if it’s safe to use marijuana or products containing cannabidiol, an active compound in marijuana, even as they increasingly turn to them to combat morning sickness, anxiety or insomnia, a recent University of Florida Health study shows. The American College of Obstetricians and Gynecologists advises against the use of marijuana and cannabidiol, or CBD, during pregnancy. Marijuana use has been associated in some studies with adverse fetal neurodevelopmental outcomes. Evidence of cannabidiol safety is sparse in human studies, but researchers remain concerned that it might nonetheless pose a danger. CBD is not intoxicating. The UF Health researchers said their study shows a need for the medical community to better educate women about the potential hazards to the fetus from using marijuana, also called cannabis. One worry is that some people believe the spreading legalization of marijuana or CBD around the nation equates to the government giving its stamp of approval that the products are safe, researchers said. Medical marijuana is legal in Florida, although its recreational use is not. “If a medication is legal, we assume that maybe it’s safe, although other things like tobacco and alcohol are also legal and we know that those can be harmful to pregnancies,” said Kay Roussos-Ross, M.D., the study’s senior author and a professor in the UF College of Medicine’s Department of Obstetrics and Gynecology. “We see a good deal of data out there that shows that there is increased risk of psychiatric and behavioral issues related to marijuana use in pregnancy, but we need more,” she added. “We need more so that we can be correct in our assessments and our educational efforts to women of reproductive age who are using marijuana.” It’s difficult to quantify the rise of marijuana and CBD use during pregnancy, with most estimates showing an increase predating COVID-19. A 2021 federal survey reported 7.2% of pregnant women used marijuana. The UF Health study noted that emerging evidence from obstetrics care shows more pregnant women are trying the products, perhaps because of increased legalization. The study, published in Medical Cannabis and Cannabinoids, surveyed 261 women and used focus groups to explore participants’ perceptions of the products. The women were either pregnant, breastfeeding or caring for a child 5 years old or younger, and reported use of marijuana or CBD products, such as vapes, smoking, tincture oils or ointments. “There seems to be a disconnect,” said Amie Goodin, Ph.D., an assistant professor in the UF College of Pharmacy’s Department of Pharmaceutical Outcomes and Policy and the study’s lead author. “About one in six pregnant women are telling us, ‘Yes, I have used marijuana or a CBD product while I’m pregnant.’ But half are saying, ‘I don’t know what the risks are.’” About 40% of the pregnant women surveyed said they were unsure how risky it was to use marijuana once or twice a week during pregnancy, compared with 34.5% of women who were not pregnant when surveyed for the study but who had children. Asked the same question about CBD, more than 52% of pregnant women were unsure of the risk, compared with 41.8% for mothers who weren’t pregnant when surveyed. About 36% of pregnant women reported using marijuana, compared with 65% of mothers not currently pregnant, perhaps reflecting at least some increased caution among those in the former group. CBD use was 19.9% for pregnant women and 38.2% for women who were not pregnant. “Some women did mention that the legalization of marijuana has made marijuana more socially acceptable,” said study co-author Deepthi Varma, Ph.D., an assistant professor in the College of Public Health and Health Professions’ Department of Epidemiology. The researchers said they were especially concerned that women were even less sure of the safety of CBD use because it is widely available and often seen as harmless. “You might notice that it’s even something that you can buy at a gas station or a grocery store,” Goodin said. “CBD in a purified form has actually got an FDA approval to treat certain types of pediatric epilepsy on its own … but pharmaceutical-grade CBD is not quite the same thing as you would expect to get if you were purchasing CBD oil at a smoke shop or a gas station.”
Reading for pleasure in free fall: New study finds 40% drop over two decades
A sweeping new study from the University of Florida and University College London has found that daily reading for pleasure in the United States has declined by more than 40% over the last 20 years — raising urgent questions about the cultural, educational and health consequences of a nation reading less. Published today in the journal iScience, the study analyzed data from over 236,000 Americans who participated in the American Time Use Survey between 2003 and 2023. The findings suggest a fundamental cultural shift: fewer people are carving out time in their day to read for enjoyment. “This is not just a small dip — it’s a sustained, steady decline of about 3% per year,” said Jill Sonke, Ph.D., director of research initiatives at the UF Center for Arts in Medicine and co-director of the EpiArts Lab, a National Endowment for the Arts research lab at UF in partnership with University College London. “It’s significant, and it’s deeply concerning.” Who’s reading and who isn’t The decline wasn’t evenly spread across the population. Researchers found steeper drops among Black Americans than white Americans, people with lower income or educational attainment, and those in rural (versus metropolitan) areas — highlighting deepening disparities in reading access and habits. “While people with higher education levels and women are still more likely to read, even among these groups, we’re seeing shifts,” said Jessica Bone, Ph.D., senior research fellow in statistics and epidemiology at University College London. “And among those who do read, the time spent reading has increased slightly, which may suggest a polarization, where some people are reading more while many have stopped reading altogether.” The researchers also noted some more promising findings, including that reading with children did not change over the last 20 years. However, reading with children was a lot less common than reading for pleasure, which is concerning given that this activity is tied to early literacy development, academic success and family bonding, Bone said. Why it matters Reading for pleasure has long been recognized not just as a tool for education, but as a means of supporting mental health, empathy, creativity and lifelong learning. The EpiArts Lab, which uses large data sets to examine links between the arts and health, has previously identified clear associations between creative engagement and well-being. “Reading has historically been a low-barrier, high-impact way to engage creatively and improve quality of life,” Sonke said. “When we lose one of the simplest tools in our public health toolkit, it’s a serious loss.” The American Time Use Survey offers a unique window into these trends. “We’re working with incredibly detailed data about how people spend their days,” Bone said. “And because it’s a representative sample of U.S. residents in private households, we can look not just at the national trend, but at how it plays out across different communities.” Why are Americans reading less? While causes were not part of the study, the researchers point to multiple potential factors, including the rise of digital media, growing economic pressures, shrinking leisure time and uneven access to books and libraries. “Our digital culture is certainly part of the story,” Sonke said. “But there are also structural issues — limited access to reading materials, economic insecurity and a national decline in leisure time. If you’re working multiple jobs or dealing with transportation barriers in a rural area, a trip to the library may just not be feasible.” What can be done? The study’s authors say that interventions could help slow or reverse the trend, but they need to be strategic. “Reading with children is one of the most promising avenues,” said Daisy Fancourt, Ph.D., a professor of psychology and epidemiology at University College London and co-director of the EpiArts Lab. “It supports not only language and literacy, but empathy, social bonding, emotional development and school readiness.” Bone added that creating more community-centered reading opportunities could also help: “Ideally, we’d make local libraries more accessible and attractive, encourage book groups, and make reading a more social and supported activity — not just something done in isolation.” The study underscores the importance of valuing and protecting access to the arts — not only as a matter of culture, but as a matter of public health. “Reading has always been one of the more accessible ways to support well-being,” Fancourt said. “To see this kind of decline is concerning because the research is clear: reading is a vital health-enhancing behavior for every group within society, with benefits across the life-course.”
Target Market: Who Are They, What Do They Value, and Where Are They?
In last week’s column on Super Bowl ads, I stressed the importance of providing a value proposition when you are advertising or marketing your goods and services. As a reminder, a value proposition is a promise that you make to potential customers that provides them a compelling reason why they should buy your product rather than a product from one of your competitors. Prior to developing a value proposition, you first need to understand who you are trying to sell to and what product characteristics they value. This will ensure that your value proposition will be more likely convince these buyers (your target market) to buy from you. The most effective Super Bowl ads from last week did this important work well. Once the company has a good, valuable proposition, it then needs to communicate that valuable proposition to its target market. Fortunately for companies with Super Bowl ads, just about all target markets are watching the game. However, for pretty much all other advertising and marketing, it must communicate where the target market will see or hear it. In today’s column, I will walk you through how to determine who your target market is, what they value, and finally, where to distribute your marketing messages. You are probably asking yourself, why is a guy who teaches Operations and Supply Chain Management (O&SCM) writing about Marketing? The answer is simple, really. It is the job of the O&SCM function of the company to deliver on the value proposition. So, as marketing develops its value proposition, it must confer with O&SCM to determine if the firm can deliver on that value proposition. If marketing communicates a value proposition it cannot meet, the company will likely be unsuccessful. With that in mind, let us examine the target market/value proposition development process. As a firm begins to identify its target market for a particular product, it must first determine the various potential customers who might buy that product and attempt to partition those customers into groups who value similar things. For instance, looking at the automobile market, there are some customers who value low price most, some who value performance and aesthetics most, and others who value reliability, durability, and consistency. If we are either in the automobile market or thinking about entering the automobile market, we need to find a group that values some characteristics that we think we can provide better than other market entrants. As you can see, the identification of a target market and the development of a value proposition that will appeal to that target market are done concurrently and iteratively. As noted above, the O&SCM function of the company is also brought in during these iterations to determine if the physical good can be manufactured or a service can be delivered in such a way that it can meet the value proposition. One important thing to remember is that in most cases, you are not your target market. What I mean by that is that you are often biased by your own knowledge and taste/preferences, and this may differ significantly from what your target market values. Remember that you are a unique individual whose preferences for a price point and evaluation of other characteristics might differ from your target market. Be sure to develop a value proposition that reflects the buying habits of your target market customers. Once you have developed a strong value proposition that you know your O&SCM can deliver upon, it is time to message that value proposition in places where your target market is present. As noted above, this aspect of our process is like “shooting fish in a barrel” for Super Bowl advertisers because all target markets are typically watching the Super Bowl. It is not so trivial for the rest of us. We need to understand what forms of media our target markets consume (e.g., television, radio, social media), but also, with each of these media, which applications or types of shows do they frequent. While most think social media skews young, and that is true for the most part, Facebook skews older, while Instagram, Snapchat, and TikTok skew much younger. On television, much of network television skew older, but there are shows like “Dancing with the Stars” and The “Bachelor” that do particularly well with younger women. Many mornings when I am getting ready for the day, I listen to “Augusta’s Morning News” on WGAC radio, and it is clear that my fellow listeners are primarily in my age demographic. My advice is to do your homework and find out where your target market is consuming media. All the work above is not very easy, but doing it right will lead to big returns. If you can identify who you want to target, based on what they value, and then be sure they get the marketing message that you have what they value, your business will succeed!
Exploring everyday finance, gender, and the future of pensions
Money in everyday life For Dr Hayley James, finance isn’t just numbers on a balance sheet - it’s woven into the realities of everyday life. From saving and borrowing to the challenge of long-term pension planning, her work at Aston University’s Centre for Personal Financial Wellbeing (CPFW) explores how financial decisions are shaped by family, gender, life stage, and stability of income. Her research stems from her PhD, which examined how people make decisions after being automatically enrolled into workplace pensions - a starting point that sparked her continuing focus on pensions and everyday financial behaviour. “Finance is often portrayed as objective, but in reality, our money decisions are tied up with all the other meaningful factors in our lives.” – Hayley James At CPFW, Dr. James and her colleagues have observed a shift in policy and industry thinking. Where once the focus was on pushing people to act in “rational” financial ways, attention is now turning to redesigning systems that reflect how people actually manage money. Gender and the pension gap A key focus of Dr. James’ research has been pensions, particularly how gender and life events shape saving habits. She has found that parenthood has very different impacts on men and women’s retirement planning: Motherhood often discourages pension saving - reducing both capacity and perceived importance. Fatherhood often encourages saving - reinforcing traditional financial roles. While many assume household specialisation balances out, reality shows otherwise: separation or divorce often leaves women financially disadvantaged. These insights underpin her book Pension Saving in a Gendered Lifecourse (2025), which argues for pension systems that move beyond gender neutral models to become gender friendly - systems that acknowledge the very different realities men and women face across their life course. Tracking real lives: the “Real Accounts” project Beyond pensions, Dr James has led research into how people actually manage day-to-day finances. In the Real Accounts project, she and colleagues followed UK households for 10 months, recording income and spending in real time. The findings reveal how income volatility — sudden drops, irregular hours, unexpected bills — creates stress and undermines financial stability. These insights are helping policymakers and providers rethink how products like pensions, credit, and debt advice are designed. Collaboration and impact Dr. James’ work bridges academia, policy, and practice. Partnerships include: Nest Insight – public-benefit research centre, co-leads on Real Accounts. Glasgow Caledonian University – joint research on household finances. Christians Against Poverty – literature review on measuring the impact of debt advice, aimed at improving frontline support for the most vulnerable. Through these collaborations, her findings are already shaping practical change in how organisations design support for households under financial strain. Looking ahead With her British Academy Innovation Fellowship concluding, Dr. James is turning to new questions: How do diverse households — across sexuality, ability, ethnicity, and household structure — navigate finance? How can financial systems evolve to reflect real lives, not abstract models? Her book sets out a roadmap for rethinking pensions through a gendered lens — offering policymakers, providers, and households a new way to understand and prepare for later life. Selected publications For readers who want to explore her research in more depth, here are a few recent publications: • James, H. (2022). Everyday finance and the politics of financial subjectivity. Review of International Political Economy. • James, H. (2022). Financial wellbeing and the lived experience of income volatility. New Political Economy. • James, H. (2023). Household finance and the gendered lifecourse: Reframing pensions research. In Handbook on Everyday Finance (Edward Elgar). Available via RePEc. ⸻ About Dr. Hayley James Dr. Hayley James is a Senior Research Fellow at Aston University’s Centre for Personal Financial Wellbeing. Her research spans pensions, household finance, and the social context of money. She has published widely and works closely with policy and community partners to translate research into action. To explore more of the Centre’s work and access project reports, visit the CPFW Projects page at Aston University. Connect with Hayley by clicking the profile icon below.
As Texas Democrats head toward a competitive 2026 U.S. Senate primary, conversations about race and representation are playing a visible role in the campaign. In a recent Spectrum News segment, Baylor University political analyst Dr. Mia Moody discusses how racial identity, voter perceptions, and candidate messaging are influencing the dynamics of the race. Mia Moody, Ph.D., is a professor and former chair of the Department of Journalism, Public Relations, and New Media in the Baylor University College of Arts & Sciences. She is a nationally recognized expert on mass media and image repair, intersectionality, critical race theory, and the media framing of women and people of color. View her profile The story explores how candidates are navigating issues of representation within a diverse Democratic electorate, and how those discussions could impact turnout and coalition-building ahead of the primary. Watch the full report for expert insight into how race is shaping one of Texas’ most closely watched political contests. The full story is available below:
Researchers warn of rise in AI-created non-consensual explicit images
A team of researchers, including Kevin Butler, Ph.D., a professor in the Department of Computer and Information Science and Engineering at the University of Florida, is sounding the alarm on a disturbing trend in artificial intelligence: the rapid rise of AI-generated sexually explicit images created without the subject’s consent. With funding from the National Science Foundation, Butler and colleagues from UF, Georgetown University and the University of Washington investigated a growing class of tools that allow users to generate realistic nude images from uploaded photos — tools that require little skill, cost virtually nothing and are largely unregulated. “Anybody can do this,” said Butler, director of the Florida Institute for Cybersecurity Research. “It’s done on the web, often anonymously, and there’s no meaningful enforcement of age or consent.” The team has coined the term SNEACI, short for synthetic non-consensual explicit AI-created imagery, to define this new category of abuse. The acronym, pronounced “sneaky,” highlights the secretive and deceptive nature of the practice. “SNEACI really typifies the fact that a lot of these are made without the knowledge of the potential victim and often in very sneaky ways,” said Patrick Traynor, a professor and associate chair of research in UF's Department of Computer and Information Science and Engineering and co-author of the paper. In their study, which will be presented at the upcoming USENIX Security Symposium this summer, the researchers conducted a systematic analysis of 20 AI “nudification” websites. These platforms allow users to upload an image, manipulate clothing, body shape and pose, and generate a sexually explicit photo — usually in seconds. Unlike traditional tools like Photoshop, these AI services remove nearly all barriers to entry, Butler said. “Photoshop requires skill, time and money,” he said. “These AI application websites are fast, cheap — from free to as little as six cents per image — and don’t require any expertise.” According to the team’s review, women are disproportionately targeted, but the technology can be used on anyone, including children. While the researchers did not test tools with images of minors due to legal and ethical constraints, they found “no technical safeguards preventing someone from doing so.” Only seven of the 20 sites they examined included terms of service that require image subjects to be over 18, and even fewer enforced any kind of user age verification. “Even when sites asked users to confirm they were over 18, there was no real validation,” Butler said. “It’s an unregulated environment.” The platforms operate with little transparency, using cryptocurrency for payments and hosting on mainstream cloud providers. Seven of the sites studied used Amazon Web Services, and 12 were supported by Cloudflare — legitimate services that inadvertently support these operations. “There’s a misconception that this kind of content lives on the dark web,” Butler said. “In reality, many of these tools are hosted on reputable platforms.” Butler’s team also found little to no information about how the sites store or use the generated images. “We couldn’t find out what the generators are doing with the images once they’re created” he said. “It doesn’t appear that any of this information is deleted.” High-profile cases have already brought attention to the issue. Celebrities such as Taylor Swift and Melania Trump have reportedly been victims of AI-generated non-consensual explicit images. Earlier this year, Trump voiced support for the Take It Down Act, which targets these types of abuses and was signed into law this week by President Donald Trump. But the impact extends beyond the famous. Butler cited a case in South Florida where a city councilwoman stepped down after fake explicit images of her — created using AI — were circulated online. “These images aren’t just created for amusement,” Butler said. “They’re used to embarrass, humiliate and even extort victims. The mental health toll can be devastating.” The researchers emphasized that the technology enabling these abuses was originally developed for beneficial purposes — such as enhancing computer vision or supporting academic research — and is often shared openly in the AI community. “There’s an emerging conversation in the machine learning community about whether some of these tools should be restricted,” Butler said. “We need to rethink how open-source technologies are shared and used.” Butler said the published paper — authored by student Cassidy Gibson, who was advised by Butler and Traynor and received her doctorate degree this month — is just the first step in their deeper investigation into the world of AI-powered nudification tools and an extension of the work they are doing at the Center for Privacy and Security for Marginalized Populations, or PRISM, an NSF-funded center housed at the UF Herbert Wertheim College of Engineering. Butler and Gibson recently met with U.S. Congresswoman Kat Cammack for a roundtable discussion on the growing spread of non-consensual imagery online. In a newsletter to constituents, Cammack, who serves on the House Energy and Commerce Committee, called the issue a major priority. She emphasized the need to understand how these images are created and their impact on the mental health of children, teens and adults, calling it “paramount to putting an end to this dangerous trend.” "As lawmakers take a closer look at these technologies, we want to give them technical insights that can help shape smarter regulation and push for more accountability from those involved," said Butler. “Our goal is to use our skills as cybersecurity researchers to address real-world problems and help people.”
CPP, OAS, and the Retirement Timing Tango — The Most Important Dance of Your Life
You’ve been contributing to it your whole life—now let’s get it right. Every retiree dreams of mastering one crucial dance: the Retirement Timing Tango. And here’s the truth—next to good health, guaranteed, predictable income (GPI) sits at the top of every retiree’s wish list, mind list, and need list. Enough income opens the door to independence, autonomy, dignity, and the most sought-after prize of all: aging in place. Not enough income? That will rob you of sleep and enjoyment, creating a non-stop loop of 3 a.m. worry sessions that no melatonin can fix. A badge of a successful retirement starts with enough income to meet all your obligations. This matters far more than leaving an inheritance or making sure your ungrateful nephew gets the cottage. But here’s the thing about this particular tango: you need proper footwear. Orthopedic dance shoes, folks. Not slippers. Not boots. And definitely not Crocs (no shade here). Think support, stability, and a sole that won’t let you down over a long retirement. Here’s the sobering reality: 61% of Canadians fear running out of money in retirement. Women experience this anxiety even more—66% compared to 56% of men (CPP Investments, 2024). Meanwhile, 57% of working Canadians feel unprepared for retirement, and 13% don’t believe they’ll ever retire at all (HOOPP, 2024). Many overlook this, but two powerful government programs—the Canada Pension Plan (CPP) and Old Age Security (OAS)—can form the foundation of retirement income. The CPP fund holds over $675 billion in assets and is expected to remain sustainable for at least 75 years. Nearly three in four Canadians depend on it. The key is timing. Get it wrong, and you could leave serious money on the dance floor. Get it right, and your decisions could result in over $100,000 more in lifetime income. That’s not small change—that’s peace of mind. Think of CPP and OAS as your retirement dance partners—two leads working together to keep you steady and confident. But timing is crucial. When you decide to claim these benefits can mean the difference between a smooth glide across the dance floor and a financial stumble. How Much Money Do OAS and CPP Pay Out? Canadian Pension Plan (CPP): The maximum CPP retirement pension at 65 is $1,433 per month, though most Canadians receive between $830 and $899 based on their contribution history. Old Age Security (OAS): Payments for OAS are up to $740 monthly for ages 65–74 and $999 monthly for those 75 and older—these benefits can support your retirement if used strategically. You cannot start OAS before age 65. How to Calculate Your OAS Monthly Benefit The maximum monthly OAS payment for someone aged 65 to 74 is around $740–$742 per month in 2026, assuming you qualify for the full amount and do not have a clawback due to high income. If you defer OAS till Age 70, the monthly payments increase. Here's the formula. For each month you defer past age 65, your monthly OAS pension increases by 0.6%. That’s 7.2% per year. Over 5 years (age 65 → 70), this adds up to a maximum increase of 36%. Note: There’s no additional benefit to waiting past age 70; the 36% maximum applies at age 70. The Monthly OAS amount you receive depends on a Number of Factors: The age you start receiving benefits (see above) Your residency history in Canada (minimum of 10 years after age 18 to qualify; to reach the full payment amount generally requires 40 years). Income can reduce or eliminate your OAS benefit, even if you defer, due to an income-related “clawback”. Please note these amounts are subject to change. For updates, check the Government of Canada website here. Let’s be crystal clear: CPP and OAS are not handouts CPP is your deferred earnings—your money, matched by your employer. OAS is your citizens’ dividend, earned through residency in Canada. As Grant Roberts, CFP, a financial planner with the accounting firm Welch LLP, says, “OAS is a security blanket. Society is better when people aren’t impoverished at the end of life.” Lose the stigma. You earned this. This is where the choreography becomes tricky. You must make lifetime decisions without knowing how long you'll live (fun, right?). According to Statistics Canada, a 65-year-old Canadian can expect to live another 20 years on average, and if you’re already 65 in good health, your personal runway might be even longer. Taking CPP at 60 lowers benefits by 36%. Waiting until 70 increases benefits by 42%. Using average benefits, deferring can result in more than $100,000 extra in lifetime income. If you live long enough. Fred Vettese, a former chief actuary of Morneau Shepell (now Telus Health) and a national thought leader on retirement issues who has published the bestseller, Retirement Income for Life (ECW Press) has some important insights to share on how age impacts these OAS and CPP payouts. Vettese explains, “Approximately 75% of people win by deferring CPP to age 70 because they live past the break-even point.” His research indicates that about 75% of retirees benefit from delaying CPP until 70, while around 25% do not. Most people underestimate their longevity, but the odds are actually in favour of living long enough for the deferral to pay off. This is where inaction becomes dangerous. As Grant Roberts warns, “Inaction isn’t neutral—it’s a decision by default. While CPP does not start automatically at 65, OAS generally does for most people. The government won’t call to ask if you want to delay OAS for a higher payment—or remind you to apply for CPP at all. You have to ask, and you have to act.” And this isn’t theoretical. Roberts has seen seniors in their 70s who had never started CPP, simply because no one told them they had to apply. We’ve spent our entire adult lives being trained to save, so it’s unreasonable to think we can just flick a switch and suddenly become confident spenders the day we retire. As Grant Roberts puts it, “We teach saving for 50 years—no one teaches spending.” So here’s the real question: what’s your money brand? Saver? Spender? A hybrid in sensible shoes? Retirement requires a rebrand. Lifelong savers often need permission to spend—on experiences, joy, and yes, even dance lessons. Lifelong spenders may need to learn how to waltz with a budget (spoiler alert: let the budget lead). Either way, retirement isn’t about changing who you are—it’s about adjusting your rhythm so your money finally works for the life you’re living now. What About OAS Clawbacks? If your income exceeds about $90,000, the OAS clawback is 15 cents for every dollar. OAS clawbacks often discourage people unnecessarily. As I always say, "don’t let a dime stand in the way of a dollar." Strategic RRSP withdrawals between ages 65 and 70 can greatly reduce future clawbacks and enhance long-term results. This is choreography, not chaos. CPP and OAS planning should begin in your 50s, not at 64½. Ask yourself whether you intend to work past 65, whether you’re healthy enough to delay, and what income sources will fill the gap. Waiting for someone else to lead this dance is a sure way to step on your own toes. Proactively Managing Your OAS and CPP Benefits While most Canadians are automatically enrolled for Old Age Security (OAS) and will receive an enrollment letter around their 64th birthday, you may need to take action if you want to delay your start date to receive higher monthly payments. If you wish to delay, change your start date, or correct any information in your enrollment letter, you'll need to contact Service Canada directly. You can manage these choices in one of three ways: Go Online: Visit "My Service Canada Account" By Telephone: Call 1-800-277-9914 In-Person: Visiting a Service Canada Centre near you Don't assume automatic enrolment means the timing is right for you—review your options carefully, as the decision to delay could significantly increase your retirement income. The Last Dance (Remember the Poorly Lit High-School Gym?) Because the Retirement Timing Tango isn’t a sprint—it’s a 30-year dance marathon, and you are both the dancer and the charity you’re raising money for. CPP and OAS, timed well, aren’t about financial flash; they’re about stamina, balance, and staying upright long after the music changes. Get the timing right and your later years won’t feel like a frantic scramble under flickering gym lights—they’ll feel like a slow, confident final song where you know the steps, trust your footing, and aren’t worried about collapsing halfway through. That’s the point. Not just surviving retirement, but staying on the floor until the very last dance—with dignity, confidence, and enough income to enjoy the moment instead of counting the minutes until it’s over. Sue Don’t Retire… ReWire! Know someone who’s about to leave serious money on the dance floor? Forward this blog before the music stops. Consider it a public service announcement disguised as friendship. And if you want regular doses of retirement clarity, confidence, and choreography (no leotards required), subscribe here.
In a recent interview, Livia Paggi of J.S. Held discussed the implications of reported discussions between President Donald Trump and President Volodymyr Zelensky about a potential peace plan aimed at ending the war in Ukraine. The conversation focused on what these talks signal politically, what pressure points may be shaping each leader’s approach, and why the timing and framing of any “peace plan” matters as much as the details themselves. Paggi emphasized that peace-plan conversations at this level often have multiple audiences at once: domestic political constituencies, international allies, and adversaries assessing resolve and leverage. She explored how diplomatic positioning can influence the credibility of negotiations and how public messaging, even before formal agreements exist, can shift perceptions on the battlefield, at the negotiating table, and across NATO-aligned capitals. The interview also examined the risks embedded in any peace-plan narrative. Paggi highlighted that negotiation efforts can introduce uncertainty for markets, governments, and populations when expectations outpace realities. She discussed how the mechanics of ending a war extend beyond a headline announcement, including enforcement, guarantees, verification, and the long-term stability of whatever framework is proposed. When we look at what Trump is likely to do, he's going to try to go back and forth, favor different political actors and see what he can do to unlock the situation. A copy of the full interview is below: For journalists following the Ukraine war, shifting diplomatic strategies, or the real-world consequences of peace negotiations, Livia Paggi offers a clear, practical lens on what these discussions could mean next. Her perspective helps reporters move beyond political theatre and toward the key questions: what’s being signaled, who gains leverage, what conditions would make an agreement durable, and what risks emerge if the process breaks down. Looking to connect with Livia Paggi? Livia is a sought-after speaker and regularly provides commentary on global political trends for the media, including for the BBC, Bloomberg TV, CNN, and the Financial Times. Livia is the recipient of numerous awards for her work. Most recently, she was named by Management Today as one of Britain’s top women in business under 35 and Bloomberg TV named her as one of the top female foreign policy commentators. Click on her profile icon to arrange an interview or get deeper insights into geopolitical risk, government relations, and business impacts.
From Libraries to Heart Health: Marlo Vernon Takes Cardiovascular Care Into Rural Georgia
Marlo Vernon, PhD, associate professor in the Department of Health Management, Economics, and Policy at Augusta University’s School of Public Health, is leading a creative public health initiative designed to improve cardiovascular monitoring in rural Georgia. Through the university’s Rural Obese At-Risk initiative, Vernon and her team are placing blood pressure monitors in local libraries, allowing residents to check them out just like books. The effort addresses a critical access gap in rural communities where preventive health tools are often limited or difficult to obtain. Vernon’s work focuses on the realities facing communities in the South’s so-called Stroke Belt, where overlapping health conditions significantly elevate cardiovascular risk. View her profile “There are significant chronic disease risk factors in this so-called Stroke Belt. We’ve got high obesity rates. We have family history. We have high rates of diabetes and kidney disease and they all kind of feed into each other to really create this cardiovascular health need in our communities. And women, in general, are just at a higher risk for this,” said Marlo Vernon, PhD. Beyond equipment access, Vernon’s research also examines how people understand and manage their health when traditional care options are limited. The library-based model helps normalize blood pressure monitoring while reducing barriers such as travel distance, cost, and limited clinic availability. It also creates opportunities to study how community-based solutions can improve awareness, engagement, and long-term cardiovascular outcomes. For journalists covering rural health, women’s health, chronic disease prevention, or innovative public-health strategies, Vernon offers grounded, real-world insight into how trusted community spaces can play a vital role in addressing persistent health disparities. A full article on this topic is available below. To arrange an interview with Dr. Vernon simply click on her iconnow to set up a time to talk today.
