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Samsung Galaxy Z Flip FE renders show a very familiar design

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TL;DR

  • Newly released CAD renders attempt to offer a preview at how Samsung’s upcoming Galaxy Z Flip FE could look.
  • Rather than getting the Flip 7’s expected cover screen upgrade, the FE would stick with the Flip 6’s more limited panel.
  • Dimensions could also closely match those of the Z Flip 6, measuring just 0.5mm thicker

Samsung is arguably the industry leader when it comes to foldable smartphones, and the company’s reliably been coming back year after year with new iterations of both its book-style Galaxy Z Fold and clamshell Galaxy Z Flip. But this year we could really see the company start shaking things up, with a lineup consisting of four foldables: in addition to the Fold 7 and Flip 7, we could also get Samsung’s first triple-screen foldable, as well as its first model approaching budget territory, the Flip FE.  Rumors have already been back and forth quite a bit about what to expect from this FE model, and now we’re getting our first look at how this hardware could arrive.

We’re checking out a series of CAD renders of the Galaxy Z Flip FE (or Galaxy Z Flip 7 FE, who knows?), published by OnLeaks and SammyGuru. If you’re new to the party and wondering what we mean by “CAD renders,” this is because we’re not looking at images that Samsung itself actually produced. Instead, someone has gotten their hands on detailed measurements of the phone’s body, like the kind a case manufacturer might use when preparing accessories for an upcoming device. Those can then be used to produce a model for 3D renders, giving us the assortment of pics and video you see today.

While some elements of the fit and finish are inevitably going to come down to guesswork when dealing with a source like that, the end result should give us a reasonably close estimate at how this phone is taking shape.

Maybe the most immediately obvious detail here is that the Z Flip FE does not appear to be getting the same front screen upgrade we’re expecting on the Z Flip 7, and its design could much more closely mirror the Z Flip 6, instead. With supposed dimensions of 165.1 x 71.7 x 7.4mm, it would have nearly the same size as last year’s model, coming in just a smidge thicker.

Beyond that, though, we’re not getting a lot of fresh insight into this hardware package, and this is more an opportunity to check out these pics than anything. The source references the same Exynos 2400e theory we’ve uncovered evidence for, but doesn’t add anything new to support this particular choice of silicon. Similarly, the idea of the Z Flip FE stickling with the same camera package as Samsung used on the Z Flip 6 is referenced without any new corroboration.

If the price is right, could you be convinced to pick up what is looking more and more like a rehashed Z Flip 6, or will the clear upgrades coming to the Z Flip 7 tempt you to drop a little more cash? Share your foldable picks down in the comments.

Got a tip? Talk to us! Email our staff at news@androidauthority.com. You can stay anonymous or get credit for the info, it’s your choice.

“Can I get scammed through an e-transfer?”—and other questions about protecting yourself from fraud

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Sometimes the fraud is sneakier—although who can be blamed for wanting to pay a bill? For Daria, she and six friends paid Bailey, a “travel hacker,” for a trip to Thailand in January 2024. A had a Clubhouse group (remember the conversation app?), and Daria and the other members had got great tips from Bailey and other co-mods in the space. (Names have been changed, as the case has yet to be resolved.)

The seven women paid Bailey for hotel rooms and flew the 20-hour trip from North America to Thailand, only to find out that Bailey wasn’t joining them until a few days later. Then, to their horror, Bailey never showed up, she cancelled her trip two days before it ended and she had never paid the hotel for their rooms with the money she was paid by the seven women. Just one received a refund. The others have issued credit card chargebacks and have even contacted the FBI. 

It seems like scams and phishing attacks are everywhere. If they’re not calling or texting, they are messaging you. On every. Single. Platform. Just while writing this, I had two calls threatening me with the police and a text message asking me to verify my address. 

It’s irritating at best and financially devastating at worst. According to the Canadian Anti-Fraud Centre (CAFC), Canadians lost $638 million to fraud in 2024. Think that number is big? Know that the CAFC estimates that just 5% to 10% of people report fraud.

Why do scams and phishing work on Canadians?

Why do we fall for frauds, scams and phishing? Maggie Cheung, a spokesperson from the Canadian Bankers Association, says it’s because of deception, manipulation and pressure tactics.

“Cyber criminals often use human psychology and the art of manipulation to scare, confuse or rush you into opening a malicious link or attachment or into providing personal information through a process known as social engineering,” she says.

These social engineering tactics force us to respond quickly, through the use of fear (like, you owe the Canada Revenue Agency money that needs to be paid stat) and leveraging our urges to respond to authority. (The CEO really needs you to send that bank transfer now, and the email looks real.) These pressure tactics are so sophisticated, they’re believable. That’s why the finance writer of The Cut found herself putting USD$50,000 in a cardboard box into the back of a car.

The common types of scams

Anyone can be a victim of a scam, says Cheung. That’s because the techniques to convince you are complex, and cyber criminals are adept at telling a believable story. Some of the more popular scams are:

Abacus Global Management Inc: A Life Insurance Powerhouse on the Rise

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In a market where growth is often measured in incremental steps, Abacus Global Management Inc (NASDAQ:ABL) has taken giant leaps forward. The company’s latest earnings report for Q4 2024 showcases a remarkable story of expansion and success.

With total revenue soaring by an impressive 40% year-over-year to $33.2 million, Abacus Global Management is solidifying its position as a leading player in the life insurance industry. This growth trajectory is nothing short of astonishing, especially considering the company’s adjusted net income has increased by a staggering 126% over the same period.

But what drives this remarkable performance? A closer look at Abacus Global Management’s business model reveals a well-oiled machine that leverages strategic acquisitions and innovative approaches to stay ahead. The company’s ability to successfully integrate assets under management, including its recent acquisition of approximately $2.6 billion in new policies, has been instrumental in fueling this growth.

The numbers don’t lie: Abacus Global Management’s adjusted IBEA (Investment-Based Earnings Adjustment) for Q4 2024 jumped by a significant 51% year-over-year to $16.6 million. This metric is particularly noteworthy as it highlights the company’s capacity to generate earnings from its investment portfolio.

However, investors should not be swayed solely by these impressive numbers without considering potential risks and challenges ahead. The GAAP net loss of $18.3 million in Q4 2024 may raise some eyebrows, primarily due to non-cash stock-based compensation and acquisition-related expenses. Furthermore, operating expenses increased significantly during the quarter.

Despite this, Abacus Global Management’s leadership remains optimistic about its prospects for 2025, projecting adjusted net income growth between 51% and 68%. This confidence is well-founded given the company’s track record of successful integrations and strategic expansions.

In conclusion, Abacus Global Management Inc has proven itself to be a force to be reckoned with in the life insurance industry. With its impressive revenue growth, strategic acquisitions, and innovative approach, this stock warrants close attention from investors seeking opportunities for long-term gains. As always, it’s essential to conduct thorough research and consider multiple perspectives before making any investment decisions.

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Microsoft could make account-free Windows 11 installs a thing of the past

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The offline Windows 11 install looks like it could officially be a thing of the past. 

Microsoft is officially shutting the door on local accounts during Windows 11 setup, confirming that all new installations, Home and Pro alike, will now require a Microsoft account. 

The company recently removed the last remaining workaround using the command BYPASSNRO, which previously allowed users to bypass the requirement by tricking the system into thinking there was no internet connection during setup. With this change, any new installation of Windows 11, including clean installs, must be connected to the internet and signed in with a Microsoft account before reaching the desktop for further setup.

This is the first time Microsoft has enforced the account requirement across all consumer versions of Windows. Windows 10 allowed users to create local accounts by default, and even early versions of Windows 11 Pro included a local setup path. But with the rollout of cumulative update KB5035942 in the Insider Preview channel, those options are now gone. Once setup launches, the only path forward is through Microsoft’s ecosystem.

The change will likely spark some pushback from longtime Windows users, especially anyone who values the control and privacy of local accounts without an online connection. Many see this move as part of a broader trend toward locking users deeper into Microsoft’s cloud services. Others will simply be annoyed that there’s no option to continue setup without having some sort of control over whether their PC connects to the internet. 

It’s a relatively clear power move. Requiring a Microsoft account gives the company more visibility into user behavior and helps promote its cloud services and apps like OneDrive, Edge, and Windows Copilot, most of which are already closely tied to an online ID.

While enterprise users can still use domain or other accounts to bypass the new requirement, most users will have few options. Tools like Rufus can still modify install images to remove account requirements, but Microsoft could eventually block those methods as well. The changes will officially arrive in the next few weeks, so if you’re looking to do a fresh install, now might be the time to go ahead and do it. 






The 6 best VOIP providers for small businesses

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The prevalence of remote working looks set to be the pandemic’s most enduring legacy. And with that comes the need for crystal clear communication between teams and with customers, whether in the office or not.

VoIP (Voice over Internet Protocol) is the perfect solution for scattered teams. Not only does it allow you to make voice and video calls through your broadband connection, but it also offers a plethora of features that can streamline operations and boost productivity.

But with dozens of providers to choose from, how do you decide which one is best for you? We’ve compared the competition to bring you our pick of the 6 best VoIP providers for small businesses. 

  1. Virtual Landline
  2. bOnline
  3. RingCentral
  4. Vonage
  5. Nextiva
  6. Dialpad

Virtual Landline

Virtual Landline specialises in virtual phone numbers and virtual office systems. It offers a range of virtual numbers, including London and freephone numbers, making it an ideal solution for business startups, businesses that want to relocate or employ remote working staff or businesses that are growing and need a phone system that grows with them. What’s more, you can port your existing number to Virtual Landline or choose a memorable number to enhance your branding. Make and receive calls with ease with Virtual Landline’s user-friendly app or just divert all calls to another landline or mobile number.

Pricing

  • Local phone numbers and national numbers: Starting from £4.50 per month (including VAT)
  • 0207 or 0208 London numbers: Starting from £10.00 per month (including VAT)
  • 0800 numbers: Starting from £11.95 per month (including VAT)
  • Multi-user office numbers: Starting from £6.95 per month (excluding VAT)

Key features

  • Call forwarding, hunt groups, call queues, Call recording, transfer
  • Wide range of UK local landline numbers with 01 and 02 prefixes to establish a local presence
  • Unlimited UK minutes to landline and mobile depending on calling plan
  • Extremely competitive call rates that are out of plan
  • Free App ecosystem for desktop and mobile
  • Number porting: Retain your existing number by porting it to Virtual Landline
  • Memorable numbers: Option to select easy-to-remember numbers for branding purposes
  • Video conferencing on Virtual Landline Office
  • Call centre wall board stats available
  • Self-service portal
  • UK-based customer service

Integrations

  • CRM platforms such as HubSpot, Sage, Microsoft Dynamics, Salesforce, Zoho and more
  • Compatible with various devices, including smartphones and desktops, for unified communication

bOnline 

Pricing

  • Starter: £7 per user per month
  • Unlimited calling: £13.95 per user per month
  • Unlimited calling (with desk phone): £15.50 per user per month

Targeted at startups and growing businesses, bOnline is the VoIP system that claims to give small businesses enterprise-level communication services at an affordable cost. Starting from £7 per user per month, it’s certainly one of the cheapest UK VoIP providers. 

bOnline helps you enhance your professional image, with business hours settings, personalised voicemail greetings, and call flows so that calls go to the right place every time. You can also make and receive calls from any device and turn any call into a video meeting. You’ve also got a minimum of 100 outbound landline minutes. 

And, of course, it has all the features you’d expect from a sophisticated VoIP, including voice and video conferencing, messaging and document sharing, and international calls from 1p per minute.

  • Set business hours
  • Personalised voicemail greetings
  • Voice and video conferencing
  • Call flows
  • Turn any call into a video meeting

Integrations

Salesforce, HubSpot, Google, and more


RingCentral 

Pricing

  • Essentials: £12.99 per month
  • Standard: £19.99 per month
  • Premium: £24.99 per month
  • Ultimate: £29.99 per month

If you’re looking for a great all-rounder, look no further than RingCentral. More than 400,000 businesses make use of its simple and affordable VoIP service to manage their daily communications.

Leveraging the cloud PBX system (which means you don’t need any expensive on-premise hardware), as well as high quality voice calls, RingCentral offers unlimited instant messaging, video calling and video conferencing, and SMS. 

It also offers its customers 24/7 support through live chat and over the phone, and hundreds of integrations with essential business apps. 

Key features

  • 24/7 customer support
  • Team messaging
  • 100 – 4,000 inclusive minutes per user depending on plan
  • On-demand call recording
  • Video call and conferencing 

Integrations

Microsoft 365, Google Workspace, Slack, and more.


Vonage

Pricing

  • Express: £10 per user per month
  • Core: £18 per user per month
  • Pro: £20 per user per month
  • Max: £25 per user per month

Supported in more than 40 countries and with over 96 world numbers for local and inbound calling, Vonage unified communications service is a great solution for global businesses. 

Vonage offers customers more than 50 business phone features, including voice call, virtual receptionist, and call monitoring, and video call and collaboration on desktop and mobile, with the ability to record and share meetings. 

And if you need hardware such as a desk phone, Vonage also offers competitive prices on compatible business phone providers.

Key features

  • Call forwarding, transfer, and monitoring
  • Virtual receptionist
  • Desktop and mobile app
  • Video meetings and collaboration 
  • 96+ world numbers

Integrations

Salesforce, Microsoft Teams, Slack, and more


Nextiva 

Pricing

  • Essential: £14.88 per user per month
  • Professional: £15.02 per user per month
  • Enterprise: £21.56 per user per month

Nextiva gives you everything you need to manage team and customer conversations all in one place, as well as a variety of helpful customer experience and productivity tools. 

Nextiva’s fully-cloud-based VoIP phone service gives you unlimited calling, faxing, and SMS, as well as virtual voicemail and auto attendant. You can also hold unlimited video and audio meetings with teams and guests, and present, screen share and file share within the app or browser, which makes it easy to collaborate. 

Finally, Nextiva also offers a sales CRM integration to manage leads and opportunities, and a helpdesk to manage customer service requests. 

Key features

  • Unlimited voice and video calls
  • Video conferencing 
  • Screen Sharing 
  • Auto attendant 
  • Mobile and desktop SMS/MMS

Integrations

HubSpot, Salesforce, Microsoft, and more 


Dialpad

Pricing

  • Standard: £12 per user per month
  • Pro: £20 per user per month
  • Enterprise: Contact sales

Dialpad is a unified business communications platform, offering a range of features to support both local and global businesses. 

Even on its most basic plan, it offers unlimited calling, SMS, and MMS, as well as AI meetings for up to 10 participants. You also get auto attendant, visual voicemail, and custom call routing and call forwarding, as well as 5 hours of HD video and audio meeting time for up to 10 participants. 

On more advanced plans you get local number support in more than 70 countries, multiple phone numbers per account, and global SMS. 

Key features

  • Unlimited calling 
  • Web and chat support
  • Auto attendant
  • Custom call routing
  • HD video and audio meetings

Integrations

Google Workspace, Microsoft 365, Zendesk, and more.


Next steps

Now that we’ve summarised the best VoIP providers currently in the market, you should have a good idea of the different features and pricing available.

For a virtual landline or a virtual office solution solution, try Virtual Landline and see how Virtual Landline can transform your business. 

Or you can simply answer a few questions using the form below to receive free, tailored quotes for your business.

Read more

Sales pipeline management from a small business perspective – In this guide, you’ll find out what a sales pipeline is, how to set one up and how to manage it – with tips from the experts

STZ Earnings Preview: Can Constellation Brands leverage growing beer sales?

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Constellation Brands, Inc. (NYSE: STZ) has effectively navigated challenges like cautious consumer spending and declining demand for its wine and spirits brands by capitalizing on the sustained growth in the beer segment. The company owns some of the top brands and is expanding its brewery network to meet the high demand.

It is estimated that the brewer’s fourth-quarter earnings edged up to $2.27 per share from $2.26 per share in the comparable quarter of fiscal 2024, excluding one-off items. On average, analysts following the company forecast net sales of $2.13 billion for the February quarter, which is broadly in line with the sales it generated in the year-ago quarter. The Q4 2025 report is scheduled for release on Wednesday, April 9, at 5.25 pm ET.

The Stock

After falling to a four-and-half-year low last month, the company’s stock is struggling to regain strength. In the past year, the value has shrunk by 32%. Trading sharply below its 12-month average value, the stock is relatively cheap now. The company’s consistent financial performance, resilience, and healthy dividend payouts have made it a favorite among long-term investors.

In the December quarter, Constellation Brands’ net sales remained broadly unchanged year-over-year at $2.46 billion. Third-quarter net income grew 21% to $616 million, and earnings per share rose 23% to $3.39. At $3.25 per share, comparable earnings were flat year-over-year. Both sales and the bottom line missed Wall Street’s expectations. The continued upswing in beer sales, which account for more than 80% of total revenue, offset a 14% drop in the Wine and Spirits segment.

Guidance

A few months ago, the management said it expects organic sales to grow between 2% and 5% in fiscal 2025. Earnings per share, on a reported basis, are expected to be between $3.90 and 4.30. The forecast for full-year comparable earnings is between $13.40 per share and 13.80 per share. A general cutback on discretionary spending and consumers’ value-seeking behavior has been a drag on sales and profitability, lately.

“We continue to invest behind the momentum of our brands, drive operational efficiencies, maintain cost discipline, and provide strong cash generation while still executing against our capital allocation priorities as we have done for the last several years. We will continue to closely monitor the subdued spend and value-seeking trends we have seen develop across our consumer base and the economic drivers influencing that behavior as well as other possible macro shifts, particularly any changes arising from potential tariff policies,” said the company CEO Garth Hankinson in the Q3 2025 earnings call.

Outlook

While Constellation Brands’ highly popular brands like Modelo and Corona give it a competitive advantage, the business faces a threat from the new import tariffs since it operates multiple breweries in Mexico. A full-fledged trade war would negatively impact the business, particularly as US beer companies struggle with declining consumption and increasing competition for market share.

Constellation Brands’ stock has plunged 16% in the past three months, trading flat after suffering a sharp fall in the early days of the year. The shares traded slightly lower on Friday afternoon.

Nintendo used its new app to announce the ‘Legend of Zelda’ movie release date

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Nintendo announced on Friday that its live-action “The Legend of Zelda” movie will premiere on March 26, 2027.

It’s a little weird to announce this the day after a Nintendo Direct livestream, where the gaming company usually unloads all of its recent news. But that was intentional. The company wants fans to download its new app, Nintendo Today! — yes, that exclamation is their own doing — to learn the latest news.

During Thursday’s Nintendo Direct event, Nintendo game director Shigeru Miyamoto closed out the presentation by announcing the Nintendo Today! news app. Those who swiftly downloaded it were rewarded since Nintendo used this channel exclusively to announce the release date of its ‘Zelda’ movie.

The app aims to deliver daily news about various Nintendo games, and users can customize the app to prioritize their favorite franchises.

Across the entertainment industry, there are so many new movies and TV shows based on existing IP that this reminder about the “Zelda” movie may fall flat.

For Nintendo, investing in existing IP has proven a financially sound strategy. Its “Super Mario Bros” movie grossed $1.3 billion at the box office with a $100 million production budget, making it the 18th-highest grossing global release of all time.

While “Zelda” might not have quite the same universal recognition as “Mario,” keep in mind that the “Breath of the Wild” game sold over 34 million copies, more than the Pokémon Gold, Silver, and Crystal games.

As Nintendo prepares to unveil more information about its highly anticipated Nintendo Switch 2 system next week, perhaps we should keep a closer eye on the Nintendo Today! app for early details.

8 phrases only toxic people use when they want to guilt-trip you, according to psychology

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I remember the first time I encountered a guilt-tripper in my professional life.

On the surface, this person seemed polite, even helpful.

Yet whenever they wanted something — from a project favor to a weekend errand — they’d lace their words with a heavy dose of obligation.

At first, I couldn’t put my finger on why I felt so uneasy after our conversations.

Then I realized it: their phrases were carefully crafted to make me feel guilty for not bending to their will.

Guilt-tripping is a common tactic used by toxic individuals, and it often creeps up in day-to-day exchanges at work, at home, and even among friends. The manipulator’s aim is to make you feel at fault for setting boundaries or prioritizing your own needs.

Below are 8 phrases toxic people rely on to trigger guilt, along with insights from psychology on why these words can be so damaging.

1. “After all I’ve done for you…”

This phrase wraps obligation and self-pity into one neat package. It suggests that because the speaker once did something for you, you now owe them unlimited favors in return.

According to a study published by the American Psychological Association, a sense of “debt” is a common tool in manipulation.

The result?

You might feel compelled to comply out of fear you’ll appear ungrateful, even if the favor being asked is unreasonable.

In healthy relationships, people offer help freely and without strings attached. When someone continually harps on their past good deeds, it’s often an attempt to corner you into saying “yes.”

2. “If you really cared about me, you’d…”

This classic line challenges your loyalty and affection by making them conditional. Toxic individuals know that questioning your care or love can create a powerful sense of guilt.

You’re left feeling that if you don’t comply, you’re essentially proving you don’t care.

True emotional bonds aren’t tested this way. Genuine concern respects boundaries and trusts the relationship’s strength without constant proof.

If you find yourself frequently hearing this phrase, take a step back.

Ask yourself whether the request aligns with your values — or if it’s just a manipulative ploy wrapped in the language of affection.

3. “I guess I’ll just do it all by myself, then.”

Here’s the martyr statement: “I guess I’ll just do it all by myself, then.”

The speaker paints themselves as the sole hardworking hero, burdened by tasks everyone else fails to help with.

Though some situations genuinely require extra effort from one person, manipulators use this phrase to make others feel negligent or apathetic.

What’s tricky is that the person saying it often comes across as pitiful or overwhelmed, and most people with a caring disposition want to jump in and help.

But genuine requests for help come with open communication—no passive-aggressive attempts at guilt.

If you hear this repeatedly, consider whether the other person is actually seeking assistance or just fishing for a display of devotion.

4. “Remember that time I helped you…?”

Reminding you of the past is another effective guilt-tripping tool.

It brings up a moment you benefited from their kindness, framing you as indebted indefinitely.

People using this line carefully choose which “favors” to highlight and when.

Healthy relationships aren’t scoreboards. Genuine kindness doesn’t demand constant repayment.

While it’s normal to recall past events in conversation, you shouldn’t feel like you’re being billed for them every time you set a boundary or decline a favor.

5. “I shouldn’t have to say this, but…”

This phrase suggests you’re somehow failing to meet an unspoken standard, leaving you feeling incompetent or insensitive.

It implies you’re so clueless that they’re being forced, against their will, to point out something that “should be obvious.”

The manipulator’s goal is to shame you into compliance.

You feel embarrassed that you didn’t pick up on their needs or unspoken cues.

In reality, healthy communication requires clarity, not cryptic hints. If someone refuses to express their needs plainly and then blames you for not reading their mind, that’s a red flag.

6. “It’s okay. I’m used to being let down.”

This statement casts the person as perpetually disappointed while subtly implying that you’re just another person who’s failing them.

Talk about a guilt trip.

Instantly, you feel anxious to prove you’re different — that you won’t leave them hanging.

However, no one deserves to be constantly placed in the position of “redeemer,” tasked with fixing someone else’s self-pity.

If someone truly needs emotional support, there are healthier ways to communicate it — like sharing concerns openly or seeking professional guidance.

Repeatedly using a phrase like this is emotional manipulation, plain and simple.

7. “You’re the only one who can help me.”

When this line shows up, it’s often inflated or exaggerated.

Toxic individuals deploy it when they want you to feel uniquely obligated to solve their problems, which can happen both in personal circles and work situations.

It places an incredible amount of weight on your shoulders:

If you don’t help, you’re abandoning them in a dire situation.

In reality, there are often multiple resources or people who could assist. When someone insists that only you have the power to rescue them, you have to question their motives.

Are they truly in a bind, or are they seeking to isolate you and secure your undivided attention?

8. “You know I’d do it for you.”

This phrase tries to flip your refusal, or hesitance, into a personal failing. It implies that if the roles were reversed, they’d selflessly step in without hesitation.

You become the “bad guy” for even pausing to think about your schedule, your limits, or your needs.

Realistically, your willingness to help someone out depends on factors like time, energy, resources, and personal boundaries — factors that toxic individuals conveniently overlook.

They want you to feel that your boundary-setting is unfair or even cruel.

Yet in a balanced, respectful dynamic, both parties honor each other’s limitations without holding grudges.

Final thoughts

Guilt-tripping is one of the most insidious forms of manipulation.

The words might sound innocent, but they carry a heavy emotional charge designed to make you second-guess your own feelings or sense of fairness.

Recognizing these phrases is the first step to breaking the cycle — once you can spot them, you can intentionally decide how to respond.

Remember, healthy relationships thrive on open dialogue and mutual respect, not on half-baked accusations or emotional scorekeeping.

If you’re consistently hearing these guilt-laden remarks, it may be time to rethink the balance of give-and-take in that connection.

Your emotional well-being deserves just as much protection as your physical or financial well-being.

Setting boundaries isn’t heartless — it’s self-care, and it fosters healthier dynamics for everyone involved.

Why are mortgages so expensive in Canada?

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City January average home price  February average home price  Changein home prices January mortgage payment  February mortgage payment  Change in payments January income required February income required  Change in come 
Hamilton $819,500 $812,600 -$6,900 $4,294 $4,194 -$100 $174,450 $171,000 -$3,450
Toronto $1,070,100 $1,073,900 $3,800 $5,607 $5,543 -$64 $223,290 $221,200 -$2,090
Vancouver $1,174,400 $1,185,100 $10,700 $6,153 $6,117 -$36 $243,600 $242,600 -$1,000
Calgary $573,100 $576,800 $3,700 $3,003 $2,977 -$26 $126,470 $125,700 -$770
Victoria $870,100 $878,700 $8,600 $4,559 $4,535 -$24 $184,300 $183,700 -$600
Regina $316,300 $317,700 $1,400 $1,657 $1,640 -$17 $76,470 $75,910 -$560
St. John’s $367,600 $371,300 $3,700 $1,926 $1,916 -$10 $86,450 $86,210 -$240
Ottawa $649,900 $658,300 $8,400 $3,405 $3,398 -$7 $141,420 $141,340 -$80
Winnipeg $363,200 $373,700 $10,500 $1,903 $1,929 $26 $85,600 $86,670 $1,070
Montreal $549,900 $562,300 $12,400 $2,881 $2,902 $21 $121,950 $122,900 $950
Edmonton $412,200 $421,800 $9,600 $2,160 $2,177 $17 $95,150 $95,910 $760
Halifax $550,500 $561,400 $10,900 $2,884 $2,898 $14 $122,070 $122,730 $660
Fredericton $338,800 $343,800 $5,000 $1,775 $1,775 $0 $80,850 $80,920 $70

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Canadian cities where affordability improved

Where in Canada is owning a home becoming more affordable?

Hamilton: Bearing the correction brunt

In its latest data report, CREA pointed out that while sales fell in two-thirds of all markets, Ontario’s Greater Golden Horseshoe was hit especially hard. That’s quite apparent in Hamilton, where transactions dropped 35% year over year in February, according to the Realtors’ Association of Hamilton-Burlington. That resulted in the city’s average home price decreasing by $6,900, to $812,600; combined with lower mortgage rates, that cooled the required income by $3,450. The average monthly mortgage payment in Hamilton also dropped by $100 compared to January, to $4,194.

Toronto: A spring marked by slowing sales

Tariff fears have also taken a bite out of demand within Ontario’s priciest housing market Toronto. Transactions plunged over 27% in Toronto in February, according to the Toronto Regional Real Estate Board (TRREB). While home prices held firm—the city’s average ticked up by $3,800 month over month to $1,073,900 – mortgage rates had fallen by a large enough degree to move the affordability dial; the required income dropped by $2,090 in Toronto, along with the average monthly mortgage payment; it fell $64 to $5,543.

Vancouver: Below the seasonal average

Early spring home sales have also dropped in Vancouver, down 11.7% year over year, and sitting a whopping 28.9% below the 10-year seasonal average, according to the Greater Vancouver Realtors. While transactions have corrected to a lesser degree than what we’re seeing in Ontario, tariff concerns have also shaken west-coast buyers, especially as Vancouver real estate remains the most expensive in Canada. Home prices still rose by an average of $10,700 in February, to $1,174,400. Again, lower mortgage rates led to the average monthly payment dipping slightly, by $36, to $6,117, and the required income dropping by $1,000.

Canadian cities where affordability worsened

Just five of 13 cities saw affordability worsen in February. These were all markets in Canada where buyers are less constrained by high home prices—all with an average below $600,000 —and with a trend of increasing sales and shrinking supply.

Winnipeg: Into sellers’ market territory

Unlike Canada’s largest cities, the Winnipeg housing market heated up in February. According to the Winnipeg data compiled by CREA, home sales increased 13.4% year over year, while listings declined by 6.6%. That combination pushed up prices. The city’s average rose $10,500 month over month to $373,700. As a result, the required income needed to qualify for a mortgage in Winnipeg increased by $1,070. The average monthly mortgage payment also jumped by $26, to $1,929.

Montreal: Reaching pre-pandemic conditions

Montreal continues to experience robust real estate demand; according to the Quebec Professional Association of Real Estate Brokers (QPAREB), February sales were “comparable to the two strong years preceding the pandemic,” with a 7% year-over-year increase, announced the organization. Overall, it remains a strong sellers market, with bidding wars for single-family homes up 15%. That resulted in a $12,400 increase in the averaged Montreal home price, to $562,300, and led to the required income rising by $950.

Edmonton: Sales continue to rise

The Greater Edmonton Area (GEA) housing market kicked off the year with robust home sales, and that trend continued into February, with the Realtor’s Association of Edmonton (RAE) reporting a 14.3% increase in transactions, also outstripping new listings.

The Rolls-Royce share price might keep moving up for these 3 reasons!

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Image source: Rolls-Royce plc

Over the past several years, one of the more notable opportunity costs in my portfolio has been selling my shares in Rolls-Royce (LSE: RR) when the price still had a long way to run, in the right direction.

Of course, no-one knew then just how impressive a performance shares in the aeronautical engineer would put in.

In fact, over the past several years, the performance of the Rolls-Royce share price has been little short of phenomenal. Over the past five years, it has moved up by 517%.

So, should I add the share back into my portfolio today? Here are three factors I could see helping to boost the share price.

Strong investor momentum

A gain of 517% happens sometimes for a small growth stock. But for a large, mature company in a mature industry, it is highly unusual.

Clearly, investors have liked the investment case for Rolls and a recent upgrade to its commercial targets has not hurt at all.

I think that sort of enthusiasm could mean plenty of buyers in the stock market and help keep the Rolls-Royce share price moving up.

As an investor, however, I like to invest in businesses because I think they are undervalued relative to their commercial prospects, not because I expect other people to be buying in. So, although I think investor momentum could potentially help push up the Rolls-Royce share price, that does not encourage me to invest.

Solid customer demand

After some very tough years, customer demand in the civil aviation sector bounced back and helped Rolls perform well over the past several years.

I think that could continue, potentially meaning that demand stays elevated both for the sale of new engines and the servicing of existing ones.

That said, several US airlines have recently reported a softening in domestic customer demand. If that trend turns out to be a wider one, it could be bad for demand.

Rolls is not just about civil aviation, though, important as it is for the firm. It also has a large defence business. As European governments continue to ratchet up spending on defence, I think that could be good news for the firm’s revenues and profits in the defence sector.

More efficient business

But there is only so far the business can grow in any given year.

That helps what is known as the top line: how much money the business achieves in sales. What also matters, though, is what is called the bottom line. That is basically the company’s profits.

The Rolls-Royce share price has risen partly because the company has set itself aggressive goals for improving its bottom line business through an efficiency drive.

If that works, earnings could rise, potentially justifying a higher valuation.

Not for me right now

Still, the business already trades for 26 times earnings.

That looks expensive to me based on current performance. I fear that it does not offer me sufficient margin of error if the company encounters some unexpected turbulence.

We saw during the pandemic how civil aviation demand can suddenly drop dramatically for reasons beyond Rolls’ control. I see that as an ongoing risk and so have no plans to invest.

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