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My First Year Anniversary On Substack - July 23, 2026
What Did I Learn About Writing and This Platform I’ve been publishing articles on Substack for just over a year now. I haven’t got everything figured out yet. My subscriber base is at 111 people and my follower count sits at 264, so 375 people have shown some interest in what I have to say. It’s a start. But, I publish articles every week, post Notes and Restack other writers’ articles on a regular basis, with the hope of reaching a broader audience. This article shares my
Shail Paliwal
18 hours ago5 min read


Should A.I. Use Be Age-Limited? - July 17, 2026
Our Critical Thinking Skills Need To Be Developed First As I thought through this question, my first inclination was to argue in favour of age limitations on the use of A.I. applications. My thinking was that if A.I. tools were used as a crutch, that would impede our youth’s ability to develop valuable critical thinking skills (reasoning and judgement). Too much A.I. used too early would also impair the development of executive function (planning, self-control, decision-makin
Shail Paliwal
7 days ago4 min read


I Forgot My Phone At Home…I Survived Without It - July 10, 2026
It’s a dependency that can be overcome Last week on Canada Day we had a full day's plans, starting with attending a concert at the National Arts Centre, followed by going to a friend’s Canada Day party. We left the house at around 1:00 pm and were going to be out until the evening. As we were taking an Uber to the concert, I realized I had left my phone at home. My first thought was “Damn, I need my phone and can’t be without it for the whole day!” But, I quickly conclude
Shail Paliwal
Jul 104 min read


Serena Williams Came Back - Is She The GOAT ? - July 3, 2026
She’s Certainly In The Top Two Or Three Earlier this week Serena Williams competed in the 2026 Wimbledon tennis tournament, for the first time in four years. While she lost her opening round match to 20 year old, 87th ranked American, Maya Joint, I was impressed that Williams returned to complete in a Grand Slam tennis tournament at the age of 44, and after a four absence. This got me thinking about Williams’ accomplishments in pro tennis, and if she should be considered th
Shail Paliwal
Jul 35 min read


“How Much Money Do You Have?” - June 26, 2026
For Gen Z, A Healthy Bank Account Ranks Above Looks and Personality, When Dating In the 1996 Wimbledon tournament semifinal, a fan shouted from the stands to tennis star Steffi Graf, "Steffi, will you marry me?". Graf paused, smiled, and replied: "How much money do you have?" The crowd broke out in laughter, and that exchange has become one of the most memorable moments in Wimbledon history. Graf was 27 at the time, which made her the equivalent of a Gen Z person, in today’s
Shail Paliwal
Jun 264 min read


There's No Art In This Deal - June 19, 2026
This Is Why The World Endured A Four-Month War?! The book, The Art of the Deal, was “written” by Donald Trump and published in November 1987. It spent 48 weeks on the New York Times bestseller list, 13 of them at No. 1, and it became one of the best-selling business books of the 1980s. The story told within this writing helped establish Trump's public persona as a dealmaker and “savvy” businessman. It was this reputation that Trump utilized to formulate his political bran
Shail Paliwal
Jun 194 min read


Should We Be Worried About Social Security/CPP Running Out Of Money? - June 12, 2026
Some People Really Need It, Others Don’t The trustees of the US federal Social Security fund recently released a report that concluded that if the US government doesn’t act soon, the Social Security program will be unable to pay the full amount of existing entitled pension benefits to retirees, as early as 2032…six years from now. If the matter is not dealt with by the current government, this issue will be front and centre for the next US Administration. This news was repo
Shail Paliwal
Jun 127 min read


The Spotify - UMG Deal - June 5, 2026
Apparently There Is A Market For A.I. Music Rip-offs Music streaming service Spotify and Universal Music Group (UMG), the world’s largest music publishing and recording company, announced on May 21, 2026 that they had entered into a licensing agreement that will allow fans to use a feature on Spotify, to create A.I.- generated covers, remixes, and reinterpretations of songs from participating artists signed with UMG. Artists whose recording or publishing rights are controll
Shail Paliwal
Jun 54 min read


The Value Of A Post-Secondary Education - May 28, 2026
It’s Still Worth Pursuing, But It’s The Soft Skills You Gain That Really Matter These days, there seems to be a lot of shade being thrown at post-secondary education. Why is that? There are warnings from “industry experts” that A.I. will eliminate all the entry-level jobs; this train of thought then leads to the thinking, “why should someone spend between $100-200K, and invest four years of their life, for something that’ll turn out to be a waste of time and money?!”. Man
Shail Paliwal
May 286 min read


The A.I. War Heats Up With Elon’s Trojan Horse - May 23, 2026
Musk Lost His Recent Head-To-Head Battle With Sam Altman, But He’s Just Getting Started You may have heard the recent news that Elon Musk lost his lawsuit against OpenAI and its co-founder Sam Altman, over the evolving corporate structure of OpenAI. Elon didn't spend much time licking his wounds, as he fired his next salvo in the A.I. war… trying to bring A.I. to outer space. Space X, started by Musk in 2002 with $100M of his own money to launch rockets, spaceships and sat
Shail Paliwal
May 236 min read


Will A.I. Really Take All The Jobs ? - May 15, 2026
Tomorrow’s Leaders Need To Come From Somewhere. It’s common to hear about the fear people have about job losses, due to A.I. A November MIT study found an estimated 12% of jobs could already be automated using A.I., and surveys have shown employers are already eliminating entry-level jobs because of the technology. Globally, the share of people who say A.I. products that make them nervous increased to 52% in 2025. Source - TechCrunch, Stanford But, A.I. will not elimina
Shail Paliwal
May 156 min read


What Are Your Standards ? - May 8, 2026
What Is Non-Negotiable For You? I recently read a book by former NHL player Chris Pronger, entitled “Earned”. Pronger had an accomplished career, having played 1,167 regular season games and 173 playoff games over 18 seasons in the NHL. He won a Stanley Cup with the Anaheim Ducks in 2007; he was a four-time Olympian, having twice won a Gold Medal with Canada’s Men’s Hockey Team, in 2002 (Salt Lake City) and 2010 (Vancouver). In terms of individual honours, in the 2000 seaso
Shail Paliwal
May 87 min read


Moneyball vs. Battle-Scars - May 1, 2026
Do You Go With What The Numbers Are Telling You, Or Do You Rely On Your Gut Instinct One morning this week I was having a coffee in my living room, trying to decide what my weekly article was going to be about. I glanced over at some books sitting on our table. One of those books was “Moneyball”, written by one of my favourite authors, Michael Lewis. I’m a big fan of this book, and an idea for an article popped into my head - the use of "Moneyball” vs. the reliance on “gut
Shail Paliwal
May 17 min read


A Four Day Work Week - April 24, 2026
Will It Really Work, And For Whom? From time-to-time I come across discussions on a movement to have employers adopt a four-day work week for their employees. Typically, I don’t pay much attention to this topic because the concept seems counter-intuitive. But, the topic keeps resurfacing, so I thought I would research it and articulate some thoughts. As part of my research for this article I conducted an informal survey of ten business leaders and I’ll share the results of
Shail Paliwal
Apr 247 min read


A Dog's Life - April 17, 2026
I Know They Are Man’s Best Friend, But… I don't mind dogs. Many of my friends have dogs, or were dog-owners in the past. Some members of my extended family are dog-owners. However, I’ll never be a dog-owner myself, as I am allergic to dog hair. I’ve been around dogs many times when visiting friends, and I’ve enjoyed those visits, including interacting with their dogs. So, it’s with this opening premise that I ask the question, when did it become OK for people to bring the
Shail Paliwal
Apr 178 min read


Universal Basic Income & Universal High Income - April 10, 2026
A.I. - It May Cause People To End Up On Welfare, Or It May Help People Find A Pot Of Gold At The End Of The Rainbow. Universal Basic Income, or “UBI”, is a policy where governments give regular cash payments to every adult with no conditions attached. UBI is brought up in A.I. discussions where people see A.I. as not just as a productivity tool but as a fundamental disruption to labour markets; in this context UBI comes up as a frequently proposed policy response to the an
Shail Paliwal
Apr 105 min read


The Demise Of A Distillery - April 3, 2025
A Bourbon Startup Goes Bust This week’s article is a case study of how bad decisions and poor timing can turn the entrepreneurial pursuit of a $10B market into a $250M hole in the ground. Thanks to a friend, I’ve recently become a fan of bourbon, and have spent some time becoming educated about this sector. Because of this newfound interest, I became intrigued when reading about the demise of a well-funded “start-up” in the bourbon industry. Garrard County Distilling Compa
Shail Paliwal
Apr 36 min read


Is It Time For Two-Tiered Health Care In Canada? - March 28, 2026
Or Should Canadians Pay More In Taxes To Improve Healthcare? A common complaint Canadians have is that the wait-times for non life-threatening healthcare services and treatments can be quite long, often too long. Three-plus hour wait-times in the emergency room; six months wait-times for an MRI; or, waiting several months for a heart procedure that’s been deemed “non life-threatening” by a doctor. These situations give the affected patients and their families much stress and
Shail Paliwal
Mar 297 min read


The Battle Over A $236B Market for A.I. Agents - March 20, 2026
It’s A Multi-Combatant Cage Match - Amodei v Altman v Musk v Google v China Most people will have used A.I. for searches, in lieu of “Googling” something; they have used A.I. for research, or as a work tool. What we are using today are “A.I. applications”, an early form of A.I. Common examples include Claude by Anthropic, Chat GPT by Open AI and Gemini by Google. These applications are an early step in the ultimate goal of developers of A.I technology, which is to create
Shail Paliwal
Mar 2011 min read


High Earners, Not Rich Yet - March 13, 2026
“HENRY’s” - they call them I recently read about a term being applied to people in the late Gen Z or Millennial age cohorts (late 20s to mid 40s), who are earning a substantial income but have yet to accumulate significant wealth. That term being “HENRYs”, or “high earners, not rich yet”. In this context, a substantial income is between $100,000 and $500,000 per year. An annual salary/income in this range may seem like a lot, and it is, when we consider that the average sala
Shail Paliwal
Mar 134 min read
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