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Tourism is a cornerstone of both Florida’s and America’s economy. In Florida alone, visitor spending exceeds $100 billion annually and supports roughly one in every ten jobs statewide, making it one of the state’s largest industries. The ripple effect extends far beyond hotels and attractions, fueling restaurants, retail, transportation, construction, real estate, and public tax revenues that help fund infrastructure and services. Nationally, tourism contributes hundreds of billions to U.S. GDP each year and serves as a key indicator of consumer confidence and economic momentum. When travel demand rises or falls, it signals broader shifts in spending behavior, business investment, and workforce stability , which is why tourism remains a critical economic beat for journalists. Peter Ricci is Clinical Associate Professor & Director, Hospitality Management Programs at Florida Atlantic University. He is a hospitality industry veteran with over 20 years of managerial experience in segments including: food service, lodging, incentive travel, and destination marketing and is considered an expert in food service, lodging, incentive travel, and destination marketing. View his profile Peter offers research-based insight into visitor trends, workforce dynamics, and destination strategy. His expertise helps media connect travel patterns to economic impact, providing clear analysis of how tourism shapes Florida’s economy and influences broader industry trends across the United States. Recent media coverage: South Florida Sun Sentinel Peter Ricci, director of the hospitality and tourism management program at Florida Atlantic University’s College of Business, cited the openings of the 801-room Omni Hotel next to the county convention center in Fort Lauderdale, the revamped Pier Sixty-Six Resort nearby and a variety of high-profile events as reasons for promising visitor traffic this year. “South Florida should expect to have a relatively strong 2026 with major events in the area [PGA Tournament, Formula 1, et al] and the Southern White House of Mar-a-Lago enhancing higher average daily rates in The Palm Beaches,” he said by email. “Broward is perfectly positioned to capture demand both to its south and north and I expect that hotels and restaurants will have a good year ahead,” he added. Newsweek "The tariffs, staffing shortage, perception of it being difficult to emigrate to the USA, and any possible anti-USA sentiment all go into the 'ingredients of the soup' as I call it," Peter Ricci, Director of Florida Atlantic University's Hospitality and Tourism program, told Newsweek. South Florida Sun Sentinel This is actually a complicated process behind the scenes, said Peter Ricci, director of the hospitality and tourism management program at Florida Atlantic University in Boca Raton. “Restaurant profit margins are slim, so training and development are often not a part of the process,” he said. “Also, one must recognize that restaurant front-of-house roles are somewhat high-turnover compared to other industries. With higher turnover, there is less likelihood for development of training, knowledge of all the systems (which can lead to dissatisfaction among guests), and a ‘new face’ every time regular guests return to the venue.” The Daytona Beach News-Journal When asked if Florida is experiencing a "restaurant apocalypse," Ricci said, "I don't see that as the case. I don't see it like a disaster, but I have seen more (restaurant) closures the past six months. The reasons include operating costs that are higher than ever in an industry with low (profit) margins to begin with." "Closures are being driven by rising rent, rising costs of labor, rising costs of goods (food, glassware, supplies, cleaning services, deep cleaning surcharges, et al.), and changing consumer habits." Orlando Sentinel Peter Ricci, director of the hospitality and management program at Florida Atlantic University’s College of Business, said he has not heard of hoteliers suddenly losing foreign nationals from their staff. But it’s the confusion that is perplexing many. “I hear frustration and confusion of what changes will occur on a regular basis for owners, operators and managers,” Ricci said. “It’s more of the unknown that’s disconcerting than, ‘I’m now worried about losing workers in my hotel or restaurant.’”
What "Super Agers" Are Teaching Us About Growing Older
When I think about aging well, I don't see a number on a birthday cake. I see capacity. The ability to think clearly. To move with confidence. To stay curious. To laugh easily. To remember where I put my keys. (Okay, that last one is still aspirational.) That's why I teach 4 fitness classes a week and pay close attention to how I fuel my body. Not because I'm chasing youth, but because I've learned, both personally and professionally, that the way we move, eat, sleep, and cope influences how we feel... and how we show up for the people we care about. I don't want to live forever. I just want to live well while I'm here. Like many Boomers, I've been interested in the growing research on longevity. And let's be honest: Boomers have never been good at accepting "no" for an answer. Why would we start now, just because it's mortality asking? We're the generation that refused to compromise. Retirement? Optional. Slowing down? Negotiable. Death? We'd like to speak to the manager. This leads us to a fascinating group of scientists known as "Super Agers." Who Are Super Agers, Really? In research terms, Super Agers are adults over 80 whose cognitive abilities, especially memory, perform at levels expected of people in their 50s or 60s (Rogalski et al., 2013). But here's what I love most: they aren't superhuman. They're not top athletes. They're not biohackers living on kale foam and cold plunges at dawn. (Though if that's your thing, carry on.). They're everyday people who never disconnected from life. A striking Canadian example is Morry Kernerman, a Toronto violinist who kept on learning, hiking, and performing well into the ripe age of 101. His story embodies the spirit of Super Aging: it's not about dodging age, it's about refusing to stop living. In a CBC interview, Maury Kernerman doesn't sound like someone "trying to live longer." He talks like someone who's still interested in living, fascinated by the world, hungry for learning, and unwilling to stand still just because he might do something imperfectly. He also admits something that matters to a lot of readers: he wasn't always an exercise person. He started taking it seriously later in life and describes it as a "rear guard action" that hasn't stopped aging, but has helped him keep his capacity. One of the most poignant lessons: when we're afraid of doing the wrong thing, afraid of failing or being embarrassed, we stop. And standing still is what really costs us. Haven't you heard? Sitting is the new Smoking!! What the Science Is Showing Us Canadian and U.S. researchers, at Western University and Northwestern University, are discovering something significant. Not a pill. Not a quick fix. A system. Angela Roberts (Western University) explained that the Canadian arm of the research isn't relying only on lab snapshots. Participants are sent home with wearable devices so researchers can monitor real-world activity patterns continuously (24 hours a day) over multi-week periods (CBC News, 2024 - https://www.cbc.ca/news/health/superager-centenarians-brain-second-opinion-9.7049411). That design matters because it turns "healthy aging" from a vague concept into measurable behaviours: how much movement you get, how intense it is, how consistent it is, and how it fits into the rhythm of normal life. Super Agers typically stay active, remain mentally sharp, maintain close relationships, handle stress effectively, sleep well, and keep a generally positive attitude (Rogalski et al., 2013 - https://doi.org/10.1162/jocn_a_00300; Sun et al., 2016 - https://doi.org/10.1523/JNEUROSCI.1492-16.2016) Their brains display thicker cortical areas linked to attention and memory, experience slower atrophy rates, have fewer Alzheimer's markers, and show stronger neuronal connections (Gefen et al., 2015 - https://doi.org/10.1523/JNEUROSCI.2998-14.2015; Harrison et al., 2012 - https://doi.org/10.1017/S1355617712000847) A Data Point Worth Remembering When It Comes to Longevity From the wearables, the research study observed that many 80-year-olds in the study, both "super agers" and the control group, were averaging about 25 to 30 minutes of exercise a day (roughly aligned with Canadian movement guidelines). The difference wasn't that super agers moved a little more. The study showed that they got about 30% more of the kind of movement that raises heart rate, what researchers call moderate-to-vigorous physical activity In plain language: it's not just steps. It's getting your engine up into that slightly breathy zone on purpose, most days. There's no single longevity switch. It's a belt-and-suspenders approach: multiple protective habits working together over decades. Let's Talk About Weight (Without Losing Our Minds) People often ask: Should Super Agers be skinny? Or a little plump? The research answer is surprisingly dull (and comforting): Neither. Super Agers come in all sizes. There is no evidence that they share a specific body weight or BMI. What matters much more than the scale is stability, strength, and body composition (Stenholm et al., 2008). Obesity Shows Up Consistently in the Research Midlife obesity is associated with an increased risk of dementia later in life. Several large studies indicate that obesity (BMI ≥30) during midlife raises dementia risk by 33 to 91% compared to individuals of normal weight (Kivipelto et al., 2005; Qizilbash et al., 2015) However, in older age, unintentional weight loss often signals frailty or illness. Weight loss in later life is linked to faster cognitive decline and higher risk of death (Diehr et al., 2008) Being underweight increases the risk of death. Studies consistently indicate that underweight older adults (BMI <20) have 2 to 3 times the all-cause mortality risk compared to those with a normal weight, with one study reporting a 34% higher risk of dementia (Diehr et al., 2008). A slightly higher BMI in later life may actually be protective, especially if muscle mass is maintained. The "obesity paradox" demonstrates that overweight and mild obesity in older adults (ages 65+) are often linked to a lower risk of mortality, particularly from non-cardiovascular diseases (Natale et al., 2023). So, the prescription is clear: avoid extremes. Not so skinny you could use a Cheerio as a hula hoop, and not so plump that tying your shoes feels like a full-contact sport. Here's What Truly Matters: Muscle Mass Strength defends the brain, maintains balance, boosts metabolism, and offers resilience during illness or stress (Peterson & Gordon, 2011) "Skinny-fat", low muscle, higher fat, is actually worse for aging than carrying a bit more weight with muscle beneath (Prado et al., 2012). Super Aging isn't about shrinking yourself. It's about supporting the structure you live in. Sleep: The Quiet Superpower If movement is the main act, sleep is the stage crew ensuring the entire show runs smoothly. Sleep isn't just one thing. It's a cycle (Walker, 2017). The Stages of Sleep (a quick, non-boring tour) Light sleep: The warm-up. Easy to wake from. Necessary, but not enough by itself. Deep sleep: The body's main repair mode. This is where physical repair occurs: muscle recovery, immune support, hormone regulation (Scullin & Bliwise, 2015) (Walker, 2017). REM sleep: The brain's spa. Memory consolidation, emotional regulation, creativity, and learning all occur here (Scullin & Bliwise, 2015) (Walker, 2017). Missing deep sleep leaves your body feeling exhausted. Missing REM causes your brain to become fragile and foggy (Mander et al., 2017). Super Agers tend to guard their sleep, though not perfectly, deliberately (Mander et al., 2016). Consistent bedtimes, morning sunlight, daily activity, and relaxing evenings appear repeatedly. For some people, slow-release melatonin or magnesium can help improve sleep maintenance (Ferracioli-Oda et al., 2013). However, the greatest benefits often come from simple routines: consistency, darkness, cooler rooms, and avoiding phone use at 10 p.m. Sleep isn't a luxury. It's essential brain maintenance (Mander et al., 2017). Stress: The Real Villain Chronic stress is like kryptonite for cognitive health (McEwen & Sapolsky, 1995). The main source of stress is not accepting what is. We argue with reality, and we lose every time. We revisit conversations. We resist change. We attempt to control others. Super Agers appear more accepting, not resignation, but realism (Sun et al., 2016) Here are some practical strategies to consider: Let them. (Thank you, Mel Robbins.) People will be people. You don't need to manage them. Save your energy for what truly matters. And remember: what people think of you... is none of your business. Calm isn't passive. Calm is protective. Gratitude also plays a role. Many Super Agers exhibit a distinct emotional tone: more grateful, less gripeful (Hill & Allemand, 2011) Life wasn't simpler; they simply didn't let bitterness steer the way. Relationships and Quality of Life: The Real Gold Standard Super Agers don't have more friends; they have deeper ones. Strong relationships are linked to better emotional regulation and preserved brain regions. (Cacioppo & Cacioppo, 2014) (Holt-Lunstad et al., 2010) And this isn't about extending life. It's about quality of life: cognitive, physical, and emotional well-being. Because no one wants a farewell-to-life party where nobody shows up because you've been miserable, bitter, or exhausting to be around (thank you, BR). Strong body. Clear mind. Warm relationships. A sense of humour that endures gravity. That's the win. 3 Practical Takeaways to Steal this Week If you want the super-ager approach without turning your life into a science experiment, here are three low-drama moves: Add intensity, not just activity. Keep your regular walk, but pick one segment to walk faster, take a hill, or add short brisk bursts. Your heart rate is the clue. Keep a learning thread running. Music, audiobooks, a class, a museum habit, a book club, anything that keeps your mind taxed in a good way and makes you feel curious again. Make "don't stand still" a rule. If you're avoiding something because you might look silly (a dance class, a new hobby, a new friend group), that's exactly the place to lean in, gently, but on purpose. Super Agers aren't chasing youth. (No one needs to see me in low-rise jeans again.) They're cultivating engagement. (Do you want to dance?) They move. They learn. They sleep well. They stay positive. They accept what is. They remain connected. They rely on the belt and suspenders. And most importantly, they don't wait for permission to live life to the fullest at any age. Yes, biology will win eventually. None of us gets out of this alive. But the real victory isn't in defeating what we can't control. It's in mastering what we can, for as long as we can, and living fully right up until biology takes its final bow. Don't Retire...ReWire! Sue Want more of this? Subscribe for weekly doses of retirement reality—no golf-cart clichés, no sunset stock photos, just straight talk about staying Hip, Fit & Financially Free.
‘Love Island’ isn’t real, but it might reflect the way we date
For millions of viewers, “Love Island” has been a summer obsession – a chance to peek in on a sunny villa full of beautiful singles looking for love. But according to Andrew Selepak, Ph.D., a media professor at the University of Florida, the reality show isn’t really about romance. “The reality of reality TV is that it doesn’t reflect reality,” Selepak said. “These are people who were selected; they were cast just like you would cast a movie or a scripted TV show.” Still, what happens on the island isn’t completely disconnected from real life. The show's format, which is built on snap decisions, physical attraction, and frequent recouplings, mirrors the current dating landscape in unsettling ways. “I think it's reflective of the current culture that young people are experiencing with dating, which is very superficial and doesn't lead to long-term lasting relationships because a long-term lasting relationship can't be based on superficial qualities,” Selepak said. Selepak compares “Love Island” to “TV Tinder.” Much like on dating apps, contestants size each other up based on looks and vibes rather than values or long-term compatibility. And while the show promotes the idea of finding “the one,” the numbers tell a different story. “It’s like less than 12% of the couples actually remain together for any period of time,” Selepak said. “At some point, you would think people would realize it’s fake.” However, viewers continue to watch, and contestants continue to sign up. Why? Because the point isn't necessarily to find love. It's about visibility, likes and followers. “This is where you have the social media aspect playing in, where people are looking to become influencers and to gain fame, notoriety, likes and follows,” Selepak said. “The people who are on the shows, these are people who intentionally have gone out and said, 'I want my dirty laundry to be on TV.’ There's a narcissistic aspect of wanting to be on a show like that. Most people, I think, would be hesitant to tell their deep, dark secrets – or tell the things about themselves that they would normally only share with a select few – to a large audience.” For contestants, this often means performing love rather than experiencing it – a behavior that echoes real-world dating on social media. For audiences, “Love Island” gives them the dissatisfaction of watching beautiful people experience the same dating struggles they do. In the end, “Love Island” may not teach us how to find lasting love, but it might explain why so many people are struggling to.
Experts in the Media: What You Need to Know About Medication Safety and Everyday Health
From medication safety to seasonal illness prevention, pharmacists are often the most accessible, and overlooked, healthcare professionals in our communities. In a recent segment on NBC, Dr. Shannon Yarosz breaks down common misconceptions about prescriptions, explains how drug interactions really work, and shares practical advice patients can use immediately to better manage their health. Dr. Shannon Yarosz is an Assistant Professor of Pharmacy Practice. Prior to joining the faculty at Cedarville University, served in multiple pharmacy roles. Her career reflects a deep commitment to patient care with experience in pediatrics, community pharmacy practice, and clinical healthcare services. As healthcare systems face growing pressure and patients navigate increasingly complex medication regimens, pharmacists are playing a larger role than ever before. This discussion highlights why their expertise matters, from helping patients avoid costly mistakes to providing front-line guidance on everyday health concerns. When should I stop taking antibiotics? Is it ok to stop when I begin feeling better? This question and several others were addressed in this week's Ask the Pharmacist segment on WDTN TV in Dayton, Ohio. Looking to know more or connect with Dr. Shannon Yarosz? Simply contact: Mark D. Weinstein Executive Director of Public Relations Cedarville University mweinstein@cedarville.edu
A future in pharmacy, made possible by support and mentorship
A freshman chemistry major from Hinesville, Georgia, Geovanii Pacheco already has his sights set on a career in pharmacy. His ambition is rooted not just in a love for science, but in personal experience. Growing up, his family spent countless hours navigating prescriptions and insurance coverage for his older brother, Devin, who has autism. During those moments, one pharmacist consistently stood out. This was someone who advocated for his family, helped them through paperwork and made sure Devin got the medication he needed. “It really resonated with me,” Pacheco said. “As a pharmacist, I’d like to embody what she did for us, for others as well.” That goal brought Pacheco to Georgia Southern University where he is now supported by the National Science Foundation’s S-STEM Scholarship Program Award. This is a nearly $2 million grant designed to support Pell-eligible students pursuing degrees in biochemistry, biology, chemistry, geosciences, mathematics, physics or sustainability science. For Pacheco, the program has been nothing short of life-changing. “I can say that I’m not going to college with any financial stress,” he said. “I have no money coming out-of-pocket.” Administered through Georgia Southern’s College of Science and Mathematics, the federally funded program provides last-dollar scholarships that cover remaining costs after Pell Grants and other aid are applied. In addition to financial support, the program pairs students with dedicated faculty mentors and offers structured programming aimed at retention, professional development and long-term success. Sara Gremillion, Ph.D., professor of biology and principal investigator on the grant, said the goal is to ensure that students don’t just enroll in college, but that they also thrive once they arrive. “They may not have a strong expectation about what to expect in college,” said Gremillion. “This program not only removes financial barriers, but it also surrounds students with the support they need to navigate college and plan for their future.” Pacheco has felt that impact from day one. Thanks to the program, he moved into his residence hall a week early to attend a one-week Basebamp program to jump start his college experience. There, he met fellow scholarship recipients and connected with his faculty mentor before classes even began. His mentor, Shainaz Landge, Ph.D., associate professor of chemistry, has helped connect Pacheco with opportunities from joining the Student Affiliates of the American Chemical Society to learning about upcoming pre-pharmacy organizations and undergraduate research. “Students such as Geovanii serve as prime examples of the fulfillment derived from mentorship and teaching,” said Landge. “Their growth and engagement highlight the critical role that effective mentorship plays in fostering both academic development.” That blend of mentorship and financial support is exactly what the grant was designed to provide. Over five years, the program will serve dozens of students in eligible majors such as chemistry, biology, biomedical science, biochemistry, physics, mathematics, sustainability science and geoscience. Each student receives individualized scholarship support, up to $15,000 per year, based on need, along with a faculty mentor who stays with them throughout their undergraduate journey. For Pacheco and his family, the scholarship brought immediate relief. He vividly remembers opening the acceptance email with his mother and scrolling down to see the financial aid details. “She was tickled, let me tell you,” he said. “It lifted so much stress off her shoulders. It was life-changing.” Applications to be part of the next cohort of COSM S-STEM Scholars are open until Feb. 1, 2026. Eligibility requirements, necessary documentation and other information can be found at this webpage. Looking to know more about Georgia Southern University or the National Science Foundation’s S-STEM Scholarship Program Award? Simply contact Georgia Southern's Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.
Two rising cancer researchers from ChristianaCare’s Cawley Center for Translational Cancer Research were recognized for outstanding scientific contributions at the University of Delaware’s Annual Biology Research Day Conference on January 30, 2026. The awards highlight the strength and impact of colorectal cancer research underway at the Cawley Center. Anh Nguyen, a third year Ph.D. student, received the conference’s first place poster award for his project, “FGF19/FGFR4 Axis: A Key Driver in Tumor Growth and Treatment Resistance in Colorectal Cancer.” His research explores a signaling pathway that may lead to new strategies for targeting treatment resistant disease. Molly Lausten, a fifth year Ph.D. student, earned third place for her presentation, “Investigating the role of miR 27a 3p in the WNT signaling pathway and chemoresistance in colorectal cancer stem cells.” Her work examines a key microRNA that may influence resistance to therapy, a major challenge in treating aggressive tumors. “These awards reflect far more than individual excellence,” said Bruce M. Boman, M.D., Ph.D., MSPH, FACP, senior scientist and director of Cancer Genetics at the Cawley Center. “They show the power of rigorous, curiosity driven science to move the field forward. Molly and Anh are tackling some of the hardest questions in colorectal cancer, and their success speaks to the innovative environment we are building at ChristianaCare. I could not be more proud of their achievement and their commitment to improving outcomes for patients.”
What Time Should You Actually Turn Off Your Phone at Night?
Everyone’s heard you’re “not supposed to be on your phone before bed” but what does that actually mean in 2026? Most major sleep organizations now recommend putting devices away at least 30–60 minutes before bedtime to protect melatonin and help the brain wind down. The National Sleep Foundation and the American Academy of Sleep Medicine both advise turning off screens about an hour before bed; other experts say a 30–60 minute window is the minimum. (Advisory) Research on blue light shows that evening screen exposure suppresses melatonin and delays sleep, especially when you’re scrolling something stimulating. (Sutter Health) Psychotherapist Harshi Sritharan, MSW, RSW, who specializes in ADHD and digital dependency, puts it bluntly: “To ensure quality sleep and peak performance—whether in sports, work, or school—avoid using your phone after 11 p.m.” For teens and adults with ADHD or anxiety, she says, late-night doomscrolling is especially brutal: screens keep dopamine and stress high at exactly the time the nervous system should be powering down. Harshi says: "The quality of sleep determines your level of executive functioning the next day" She also makes an important distinction: if you are on a device in the evening, active use (choosing a show, talking to friends, looking up something specific) is less harmful than passive use: “Don’t do passive tech use — that doom scrolling, content just being thrown at you,” Sritharan says. “Be more active about your tech use.” That kind of passive feed is more likely to serve up emotionally intense content kids didn’t ask for and aren’t ready to process. You Don’t Need a Perfect Curfew to See Results The good news: the science suggests you don’t have to quit completely at night to feel a difference. A JAMA Network Open study on young adults found that reducing social media use for just one week — not going cold turkey — led to about a 24.8% drop in depression, 16.1% drop in anxiety and 14.5% improvement in insomnia symptoms. Offline.now founder Eli Singer argues that the real challenge is confidence, not willpower. Their data show 8 in 10 people want a healthier relationship with tech, but more than half feel too overwhelmed to know where to start. The platform’s behavior data also show that late afternoons and evenings are when phones dominate use and when people are actually most motivated to make changes. We have less in the tank at night, don't trust willpower to transition off. Have a system/routine of pre-decided of low-effort (potentially fun) activities to help the transition off phones. “We tell people: don’t start with a perfect 8 p.m. curfew,” Singer says. “Start with one realistic phone-off window — even 30 minutes before bed — and prove to yourself you can protect that. That first win matters more than an ideal schedule you’ll never keep.” A Simple, Science-Aligned Answer For most people, Offline.now’s experts land on a practical, high-compliance answer to the question “What time should I turn off my phone?” Aim to put your phone away 30–60 minutes before your target bedtime Make everything after that screen-free by default (books, stretching, music, talking, journaling) If you must be on a device late, keep it brief, low-drama and intentional — no infinite feeds, no emotionally loaded content It’s a small change, but in the context of a day where we’re already on screens for roughly 10 of our 16 waking hours, that last hour matters. Featured Experts Harshi Sritharan, MSW, RSW – Psychotherapist specializing in ADHD, anxiety, insomnia and digital dependency. She explains how late-night and early-morning phone use hijack dopamine, disrupt sleep and make it harder for kids and adults to function the next day. Eli Singer – Founder of Offline.now and author of Offline.now: A Practical Guide to Healthy Digital Balance. He speaks to the platform’s behavioral data on when people are most ready to change, and how 20-minute micro-experiments (like one phone-off window at night) build real confidence over time. Expert interviews can be arranged through the Offline.now media team.
Carney Cares. The Tax Code Doesn’t.
Retirement analyst and author Sue Pimento looks more closely at the just-announced "Canada Groceries & Essentials Benefit Program" in the broader context of the country's overall tax-and-benefit system. A closer analysis of steep GIS clawbacks layered on top of taxes shows that some seniors face tax rates comparable to those of the country's highest earners. Pimento argues that we should address this “participation tax” to ensure seniors earn more without being penalized for their work. Prime Minister Mark Carney just announced the Canada Groceries and Essentials Benefit. The intent is good. The relief is welcome. The tax code, however, did not get the memo. Important Disclaimer (Please Read) This article is for educational and discussion purposes only and does not constitute financial or tax advice. Canada's tax and benefit system is complex, highly individualized, and subject to frequent changes. Before making any financial or tax decisions, consult a qualified professional familiar with seniors' benefits, including GIS, OAS, CPP, and related clawbacks. Now that we've cleared that up, let's talk… Here’s a quick overview of what was announced. What the Canada Groceries & Essentials Benefit Program Covers Bigger Benefit Cheques: About 12 million Canadians will receive relief. Food Bank Relief: $20 million to food banks through the Local Food Infrastructure Fund. Food Supply: Immediate expensing for greenhouse buildings to bolster domestic production. Food Security: A national strategy including unit price labelling and enforcement by the Competition Bureau. Business Support: $500 million in supply chain support to help businesses absorb costs rather than passing them on to consumers. These ideas aren’t bad. Some are very sensible. Taken together, the Government estimates in its announcement that these measures would "provide up to an additional $402 to a single individual without children, $527 to a couple, and $805 to a couple with two children. They go on to say that at these levels, Canada’s new government will be offsetting grocery cost increases beyond overall inflation since the pandemic." On paper, this looks helpful. Unfortunately, paper has never had to buy groceries. But… You knew there was a “but” coming. Government announcements are legally required to include one. A Little-Known Tax Reality That Makes You Shake Your Head New research shows Canada's tax-and-benefit system disadvantages low-income seniors who work. The issue? It's hidden in the tax code. On January 28, 2026, a Zoomer Radio Fight Back discussion hosted by Libby Znaimer highlighted the issue. Guests included: • Gabriel Giguère, Senior Policy Analyst, Montreal Economic Institute • Jamie Golombek, Managing Director, Tax & Estate Planning, CIBC Financial Planning & Advice Their conclusion? Canada's tax system discourages low-income seniors from working exactly when they need income the most. Many seniors discover (usually the hard way) that a small side hustle doesn't always pay off. It can lead to higher taxes and benefit clawbacks. Work a little more, and Ottawa takes a lot more. Why Seniors Are Still Working Because the math doesn't add up. Either way. More than 600,000 older adults live below the poverty line. Meanwhile, rent, food, utilities, insurance, and property taxes are increasing faster than pensions ever did. More seniors are employed, particularly GIS recipients. MEI analysis indicates that GIS recipients with work income increased by 56% from 2014 to 2022, rising to 64% among those aged 65–69. These seniors aren't working for "fun money." They're working to keep the lights on and purchase medication. Reviewing the details reminded me of a long-standing issue in my research on income and cash flow for Canadians aged 55 and over. Many Canadians can’t make ends meet and are forced to work well past 65. Yet Canada’s tax system punishes low-income seniors for working—exactly when they need income most. To understand why, we need to look at the Guaranteed Income Supplement. The Guaranteed Income Supplement (GIS) Program for Low-Income Seniors Here's how the GIS benefits work: • A non-taxable monthly benefit on top of Old Age Security for low-income seniors. • Roughly one-third of OAS recipients also receive GIS—over 2 million Canadians. • For a single senior with no other income, the maximum annual benefit is about $13,000. (Source: Government of Canada GIS website) The program has done meaningful work. Combined with OAS, CPP, and private pensions, Canada dramatically reduced senior poverty over the past half-century. But there’s a catch hiding in the design. Think of GIS as a hug that tightens when you try to stand up. The GIS Clawback Problem for Canadians GIS recipients can earn only $5,000 per year in employment income before clawbacks begin. After that, GIS takes back 50 cents of every dollar earned—before income tax and payroll deductions. A partial exemption applies to the next $10,000, where 25–37.5% is clawed back. The program helps seniors—right up until they try to help themselves. How the GIS Clawback Works Against Working Seniors Let me illustrate this. Meet Agnes. She is about to learn more about marginal tax rates than any bookstore employee should. Agnes is between 65 and 69 years old, lives alone, and receives OAS and CPP. Rising costs push her to take a job at a local used bookstore. She works about 15 hours a week at roughly minimum wage. Here annual gross employment income is about $13,000 Here’s what happens: • Her employment income triggers GIS clawbacks once she exceeds $5,000. • She pays income tax, CPP contributions, and sometimes EI premiums. • Between taxes and clawbacks, much of her earnings disappear. Simple version: Agnes works more hours but keeps far less than expected. When you keep 20 cents on the dollar, even capitalism looks confused. Agnes didn’t go back to work for the thrill of alphabetizing mystery novels. She did it to afford her prescriptions. A Canadian Tax System That Punishes the Wrong Thing If we’re going to test income, test investment income. Fine. Tax it. But employment income? Showing up? Working? The system treats that like misconduct. Once you add income tax, CPP contributions, and the loss of other credits, low-income seniors can face effective marginal tax rates of 70–80% on modest earnings. Nothing says “fairness” like taxing a bookstore clerk harder than a boardroom executive. As Gabriel Giguère of the Montreal Economic Institute has noted, "this level of taxation normally applies to wealthy Canadians—not seniors living in poverty." In a well-researched economic brief, Giguère and Jason Dean, Assistant Professor of Economics at King’s University College at Western Ontario, present a compelling argument for policy change. This comment by Giguère and Dean nicely sums up their key findings: "For various reasons, including insufficient pensions to maintain their living standards, seniors are increasingly turning to work. Yet the current tax-and-benefit system merits reform as it undermines their efforts, with the harshest effect on low-income seniors." One-Time Credits Don’t Fix Structural Problems At Davos, Mark Carney famously said, “Nostalgia is not a strategy.” Fair point. So why does our benefit system still behave as if retirement lasts ten years and ends with a gold watch? The system still thinks retirement lasts ten years and includes a gold watch. People are living longer. Many will spend 25 to 30 years in retirement. Some want to work. Many need to. A grocery credit helps. But a broken incentive structure still breaks people. Common Sense Tax Solutions the Canadian Government Should Consider 1. Raise the GIS earnings exemption The Montreal Economic Institute recommends raising it to around $30,000. Estimated cost: $544 million annually. Modest relative to the program’s size. 2. Exempt employment income from GIS clawbacks (at least partially) Keep testing investment income. Stop penalizing work. 3. Rethink retirement assumptions Policy built around “retire at 65 and earn almost nothing” no longer matches reality. None of these ideas are radical. They’re just… current. What to Ask Your Accountant About Your Tax Rate Get professional advice. Not generic advice. Not from Google. Not from your unemployed nephew. Ask specifically about: • Pension income splitting • Strategic RRSP contributions • Consulting or corporate structures where appropriate • Creative but compliant barter arrangements • CPP and OAS deferral strategies • Documentation. Lots of documentation. When clawbacks are involved, paperwork is your lifeboat. A Short, Honest Take Grocery relief is appreciated. The intent is good. But until Canada fixes a tax system that punishes low-income seniors for working, affordability will remain fragile. This isn’t about blame. It’s about aligning incentives with reality. Right now, it feels like we’re helping seniors swim by handing them bigger life jackets—while quietly drilling holes in the boat. And yes… I need to lie down. I feel another blog coming on. Apparently, exercising this much common sense counts as cardio. Sue Don't Retire...Re-Wire! Want more of this? 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On February 8, 2026, 120 million-plus viewers worldwide are expected to tune into Super Bowl LX. However, the battle on the gridiron will be a secondary attraction for many, especially those from Puerto Rico and of Puerto Rican descent (colloquially known as "Boricuas"). Their attention will be focused on this year's halftime show, headlined by Bayamón-born rapper and producer Bad Bunny. Renowned for songs like "Yo Perreo Sola," "La Canción" and "Me Porto Bonito," the pop sensation is expected to bring a distinctive Latin American flair to his set, representing Puerto Rican culture and creativity to an audience unlike any other. Héctor Varela Rios, PhD, the Raquel and Alfonso Martínez-Fonts Endowed Assistant Professor in Latin American Studies at Villanova University, specializes in popular culture and writes extensively on the Boricua community, to which he himself belongs. From his perspective, Bad Bunny's upcoming performance in the Super Bowl halftime show marks "a high point for Puerto Rican pride," both within the U.S. territory and across the globe. "He is not the first Super Bowl performer to claim Puerto Rican ancestry—Jennifer Lopez performed alongside Colombia-born Shakira in 2020—but he is the first island-born Puerto Rican to perform," says Dr. Varela Rios. "At this moment, he is our brightest superstar and absolutely adored throughout Latin America and the world." To the professor's point, Bad Bunny is among the most successful musical acts touring today, having notched more than 7 million records sold, four diamond plaques and 11 platinums all before the age of 32. His popularity has not come at the expense of his art, either, with the rapper having won six Grammy Awards over the course of his career—including three for his latest album, "Debí Tirar Más Fotos." According to Dr. Varela Rios, Bad Bunny's widespread appeal and critical acclaim can be traced to his authenticity, courage and swagger. Singing in Spanish, making deep-cut cultural references and broaching sensitive, seemingly taboo topics, the Latin American pop star has effectively built a following by unabashedly embracing his own identity. (Perhaps tellingly, he titled his second album "Yo Hago Lo Que Me Da La," or "I Do Whatever I Want.") "Bad Bunny is proud of his Caribbean roots and keenly aware of the history of Puerto Rico, which influences his work," says Dr. Varela Rios. "In addition, he is very unapologetic about the content of his lyrics and performing style. It goes beyond mere shock with him; he relishes challenging assumptions of what being an artist should be, or needs to be in order to 'sell records.'" While this daring approach has netted Bad Bunny a number of accolades and a devoted legion of fans, it has not been without its share of detractors. Still, on the biggest stages and under the brightest lights, the celebrated artist has shown no inclination to alter or tone down his act. Dr. Varela Rios predicts the pop star's Super Bowl appearance will be no different. "Bad Bunny is a businessman, and one of the best I've ever seen," he adds. "This is an artist who knows what to do and how to do it, and when the Super Bowl halftime show's lights go down, his performance will certainly be remembered."
The Double-Edged Scroll: Why Passive Screen Time Drains You More Than Active Use
Most conversations about “screen time” focus on hours. But newer research and what clinicians see in practice suggest how you use your phone may matter as much as how much you use it. A 2024 meta-analysis of 141 studies on active vs passive social media use found that, overall, effects are small, but there is a pattern: passive use (just scrolling and watching) is more consistently associated with worse emotional outcomes, while some forms of active use (commenting, messaging, posting) show small links to greater wellbeing and online social support. (OUP Academic) Other work from Frontiers in Psychology suggests that the emotional impact of passive use depends heavily on how you feel about the content: when it triggers envy, comparison or negativity, mental ill-being goes up; when it’s genuinely positive, the effect can be neutral or even slightly protective for some users. (Frontiers) Reviews also point to upward social comparison, FOMO and rumination as key pathways linking passive browsing to lower wellbeing. (ScienceDirect) Psychotherapist Harshi Sritharan, MSW, RSW works with teens and adults who feel “wiped out” by their feeds and draws a sharp line between passive and active tech use: “Don’t do passive tech use — that doom scrolling, or content just being thrown at you,” she says. “I want people to engage in active tech use. Go and search something up, choose the long-form video you actually want, talk to your friends. Don’t let the app decide everything you see — especially for kids, who are getting content they’re not ready for and didn’t sign up for.” She notes that many of her clients describe feeling “numb, anxious or wired” after long passive sessions, a sign that their nervous system is being pulled around by unpredictable, emotionally loaded content rather than chosen experiences. She also discussed the short term recall related to scrolling: "Some of my clients can't even remember what content they consumed right after scrolling. However, we know that what we pay attention to and what we show our brains has an impact on our thoughts, mindset, feelings and overall internal world." Offline.now founder Eli Singer frames this as a design problem, not a moral failing. The platform’s research shows people already spend about 10 of their 16 waking hours on screens; the realistic goal is to upgrade some of that time, not pretend we can all go offline. His advice: instead of vowing to “get off your phone,” start by swapping just 20 minutes a day from passive to active use; for example, messaging a friend to meet up, learning something specific, or planning an offline activity. “When people tell us they feel overwhelmed by their screen habits, it’s not laziness, it’s a crisis of confidence,” Singer says. “We don’t need perfect digital detoxes. We need small, winnable shifts, like taking one block of passive scrolling and turning it into something you actually chose.” For journalists, the story isn’t simply “screens are bad.” It’s that passive, algorithm-driven scrolling is where comparison, FOMO and emotional overload tend to pile up and that helping people change how they use their devices may be more realistic, and more effective, than focusing on raw minutes alone. Featured Experts Harshi Sritharan, MSW, RSW – Psychotherapist specializing in ADHD, anxiety, insomnia and digital dependency. She helps teens and adults understand how doomscrolling and passive feeds hijack dopamine and mood, and teaches practical shifts toward more intentional, “active” tech use. Eli Singer – Founder of Offline.now and author of Offline.now: A Practical Guide to Healthy Digital Balance. He brings proprietary data on digital overwhelm and the “confidence gap,” and shows how 20-minute “micro-wins” like upgrading one chunk of passive screen time can change people’s relationship with their phones without extreme detoxes. Expert interviews can be arranged through the Offline.now media team.