Podcasts about Froese

Royal LePage has released its Q3 Home Price Update and Market Forecast. In this video interview, Phil Soper, President and CEO of Royal LePage, discusses the state of house prices in Canada, demand in the market, inventory levels and what to expect in the future. PRESS RELEASE TORONTO, Oct. 10, 2024 /CNW/ – According to the Royal LePage House Price Survey released today, the aggregate1 price of a home in Canada increased 1.6 per cent year over year to $815,500 in the third quarter of 2024. On a quarter-over-quarter basis, however, the national aggregate home price decreased 1.1 per cent, following sluggish activity in most – though not all – markets through the summer months. Coast to coast, sales volumes began to pick up in September, and more than one third (38%) of regional markets covered in the report recorded positive aggregate price gains in the third quarter over the previous quarter. “Despite three cuts to the Bank of Canada's overnight lending rate, buyer demand nationally remains weak, particularly among two key groups: first-time homebuyers and small investors,” said Phil Soper, president and chief executive officer, Royal LePage. “First-time buyers, who are more sensitive to interest rates, are adopting a wait-and-see attitude. With home prices essentially flat and interest rates steadily declining, they perceive no penalty in postponing their purchase. _______________________________ 1 Aggregate prices are calculated using a weighted average of the median values of all housing types collected. Data is provided by RPS Real Property Solutions and includes both resale and new build. “Similarly, small investors who typically buy condominiums to rent out and supply much of Canada's rental housing, are also hesitant. Elevated rates have made the financials unworkable, with carrying costs surpassing rental income. While historically some landlords accept negative cash flow temporarily when properties are appreciating in value, the current flat prices do not justify many investments,” said Soper. “We believe that both groups will re-enter the market in significant numbers as property values begin to rise again. With further rate cuts from the Bank of Canada likely this year, we anticipate prices will appreciate more quickly, eliminating the advantages of waiting for first-time buyers and making calculations more favourable for investors. “Total listings on royallepage.ca, Canada's most visited real estate company website, reached a historical high in September, up 19 per cent year over year,” continued Soper. “Clearly, existing homeowners are ready to move. And, all buyers have more choice and less competition than is typical in our growing nation. The market recovery is underway and will continue to gain strength into 2025.” The Royal LePage National House Price Composite is compiled from proprietary property data nationally and regionally in 64 of the nation's largest real estate markets. When broken out by housing type, the national median price of a single-family detached home increased 2.0 per cent year over year to $850,400, while the median price of a condominium increased 0.5 per cent year over year to $590,200. On a quarter-over-quarter basis, the median price of a single-family detached home decreased modestly by 1.2 per cent, while the median price of a condominium decreased 1.1 per cent. Price data, which includes both resale and new build, is provided by RPS Real Property Solutions, a leading Canadian real estate valuation company. “With rates dropping, we see positive signs for sidelined buyers. As confidence grows and buyers anticipate rising prices, we expect a significant increase in activity. Given the building demand – both organic and from immigration – the 2025 spring market may start as early as late January or early February, a pull-ahead phenomenon we've seen in previous market turnarounds. The stage is set for a busy year ahead.” New lending rules will ease affordability challenges and unlock opportunity for homebuyers In recent weeks, a series of new regulations impacting mortgages and lending practices in Canada were announced. Starting on December 15th, all purchasers of new construction homes and all first-time buyers will be able to acquire an insured mortgage with a 30-year amortization period.2 In addition, the federal government announced an increase to the insured mortgage cap from $1 million to $1.5 million. ______________________________ 2 Federal government announces landmark adjustments to mortgage rules for first-time buyers in Canada, September 17, 2024 Following the announcement of these changes, the Office of the Superintendent of Financial Institutions (OSFI) revealed that, beginning November 21st, it will eliminate the mortgage stress test for uninsured borrowers who plan to switch lenders upon renewing their loan, provided they maintain the same amortization schedule and loan amount.3 “These changes will have more impact on the early 2025 market than many anticipate. Expect a material bump in activity,” said Soper. “In addition to assisting first-time buyers, raising the cap on insured mortgages expands opportunities for move-up buyers in higher-priced markets, thereby freeing up inventory for new homeowners entering the market. “While these updated mortgage rules are a timely strategy to alleviate some affordability pressure, they are not a silver bullet for the fundamental issue that persists: Canada urgently needs more housing supply. Continued efforts to boost inventory are essential for fostering a sustainable and healthy real estate market for future generations.” According to a recent Royal LePage survey, conducted by Hill & Knowlton,4 84 per cent of Canadians belonging to the adult generation Z and young millennial cohort – those aged 18 to 38 – believe that home ownership is a worthwhile investment. Among those who do not currently own a home, 75 per cent say they are planning to purchase a property as a primary residence; nearly half (40%) of them say they plan to do so within the next five to ten years. In the report, Soper noted: “The youngest cohort of homebuyers in Canada have no shortage of barriers on their path to ownership. Though the cost of borrowing has begun to come down, chronic supply shortages have kept housing prices from dropping, even as demand softened under the weight of high interest rates. Despite these hurdles, the next generation of homebuyers remains committed to their pursuit of owning real estate, and are remarkably optimistic that they can make their dream a reality.” According to The Conference Board of Canada's latest report,5 consumer confidence is on the rise. In September, the Index of Consumer Confidence increased 3.3 per cent over the previous month, reaching its highest level in over a year. Furthermore, the percentage of Canadians who believe now is a good time to make a major purchase rose. Loans renewing at higher rates Even as interest rates soften, millions of Canadians who secured fixed-rate mortgages in the period of ultra-low borrowing conditions prior to March of 2022, have seen their monthly carrying costs increase upon renewal, or they will soon. _________________________________ 3 OSFI to drop mortgage stress test for uninsured borrowers who switch lenders at renewal, October 3, 2024 4 Gen Zs and young millennials still believe in home ownership, and they're willing to make sacrifices to achieve it, August 22, 2024 5 Canadian Consumers are Regaining Confidence, September 25, 2024 “The Bank of Canada will not be able to cut rates quickly or deeply enough to take away all of the renewal pain for those still on pandemic-era, low-rate mortgages,” noted Soper. “While a small percentage of these families may be forced to relocate to more affordable regions or to a less expensive property, the majority of Canadians are well-positioned to weather this situation, thanks to the strict lending practices and safeguards implemented by our highly-regulated financial institutions.” Currently, the Bank of Canada's key lending rate sits at 4.25 per cent.6 The central bank's governing council has hinted at further rate cuts to come, noting that they are working to balance the risk of stimulating economic growth – specifically inflating shelter prices – with the possibility of weakening labour markets.7 The next interest rate announcement is scheduled for October 23rd. Regional trends vary from coast to coast As was true of the pandemic-era real estate boom, the recovery is not unravelling evenly. Just as two of Canada's largest and most expensive markets reached higher highs and lower lows between 2020 and 2023, Toronto and Vancouver are now lagging behind in the recovery as well. Meanwhile, regional markets in the province of Quebec and in the Prairies have shown greater resilience through the period of elevated interest rates. “It's taking longer for activity and home prices to bounce back in major cities where affordability challenges are greatest. Following subdued activity this spring and summer in the Greater Toronto Area, we've begun to see a turnaround in the fall market with an increase in buyer demand and a boost in sales. Greater Vancouver has yet to catch up,” noted Soper. “The higher cost of living in these regions continues to result in residents migrating to other parts of the country, offset by newcomers who continually choose these cities upon arrival in Canada. Alberta continues to record population growth – made up in large part by inter-provincial migration from Ontario and British Columbia – while gains in Atlantic Canada have stalled since the pandemic rush to the Maritimes.” Forecast Royal LePage is forecasting that the aggregate price of a home in Canada will increase 5.5 per cent in the fourth quarter of 2024, compared to the same quarter last year. The previously upgraded forecast has been revised down to reflect current market conditions, specifically in the greater regions of Toronto and Vancouver, which recorded lower-than-anticipated activity through the spring and summer months. “The market recovery, albeit uneven across the country, is well underway in a majority of markets. While we may not see significant price appreciation in the typically-slower fourth quarter of this year, we believe our previous forecast will come to fruition in the anticipated early spring market of 2025.” ____________________________________ 6 Bank of Canada reduces policy rate by 25 basis points to 4¼%, September 4, 2024 7 Summary of Governing Council deliberations: Fixed announcement date of September 4, 2024, September 18, 2024 Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 REGIONAL SUMMARIES Greater Toronto Area The aggregate price of a home in the Greater Toronto Area (GTA) increased 0.7 per cent year over year to $1,155,800 in the third quarter of 2024. On a quarterly basis, however, the aggregate price of a home in the GTA decreased 2.9 per cent. Broken out by housing type, the median price of a single-family detached home increased 1.6 per cent year over year to $1,421,000 in the third quarter of 2024, while the median price of a condominium dipped 0.4 per cent to $722,200 during the same period. “Activity in the third quarter was muted overall. The slower-than-expected spring market gave way to a soft start to fall in Toronto and the GTA, although the tide began to turn in mid-September. While inventory levels continued to rise and the average days on market sat higher than usual, prices came down only slightly in parts of the region in Q3,” said Karen Yolevski, chief operating officer, Royal LePage Real Estate Services Ltd. “This indicates that while sellers have come off the sidelines faster than buyers, they're not desperate to sell.” In the city of Toronto, the aggregate price of a home decreased 2.3 per cent year over year to $1,128,900 in the third quarter of 2024. During the same period, the median price of a single-family detached home declined 1.3 per cent year over year to $1,672,400, while the median price of a condominium decreased 3.2 per cent to $682,800. “Trends in Toronto's condo market have been marching to a different beat, compared to other property segments of late. A wave of new units has hit the market amid a near-record number of completions this year. And, with some investors offloading rental units that have become too expensive to carry, prices have softened. This could spell opportunity for first-time buyers, with borrowing rates on the decline and new 30-year amortization legislation set to come into effect that will ease the burden of monthly carrying costs,” noted Yolevski. “Looking ahead, as we move further into the fall market and lending rates continue to ease, sales activity and prices will start to edge upward modestly, and housing inventory will get consumed. I believe Toronto, along with most of the country, is set to see a brisk spring housing market in 2025.” Royal LePage is forecasting that the aggregate price of a home in the Greater Toronto Area will increase 6.0 per cent in the fourth quarter of 2024, compared to the same quarter last year. The previous forecast has been revised downward to reflect current market conditions. Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 Greater Montreal Area The aggregate price of a home in the Greater Montreal Area increased 5.2 per cent year over year to $605,400 in the third quarter of 2024. On a quarterly basis, the aggregate price of a home in the region rose 1.0 per cent. Broken out by housing type, the median price of a single-family detached home increased 7.1 per cent year over year to $691,500 in the third quarter of 2024, while the median price of a condominium posted a more modest increase of 4.0 per cent to $467,700 during the same period. “Despite three Bank of Canada rate cuts, we have yet to see a buyer rush. On the one hand, buyers are standing by, confident that further rate cuts are imminent and will create a more opportune time to buy. On the other hand, sellers are fine-tuning their strategies, counting on a wave of motivated buyers in the next few months,” said Dominic St-Pierre, executive vice president, business development, Royal LePage. “The Greater Montreal Area real estate market is performing well, with healthy growth in activity and prices, considering that Canada's other two major markets are stagnating.” With another announcement by the Bank of Canada due on October 23rd, additional pent-up demand is expected to be released into the market. According to the latest predictions by economists, October will bring the fourth and penultimate drop in the key lending rate for 2024. “The dilemma that seems to be keeping buyers awake at night is whether to jump in now before prices go up due to higher demand, or keep waiting and take advantage of even more attractive mortgage rates,” St-Pierre added. “We're already seeing an uptick in activity, which began in September.” In Montreal Centre, the aggregate price of a home increased 3.9 per cent year over year to $732,900 in the third quarter of 2024. During the same period, the median price of a single-family detached home increased 8.1 per cent to $1,147,000, while the median price of a condominium increased 4.4 per cent to $570,700. St-Pierre welcomes the federal government's action to improve access to home ownership for first-time buyers by extending the amortization period on mortgages to 30 years. However, this measure is likely to boost real estate demand and property prices. “The housing affordability issue is a top priority for many, and we owe it to ourselves as a society to provide solutions for future generations who will be faced with the realities of a higher cost of living. That said, these new measures raise the age-old question: what impact will they have on real estate demand in terms of rising property prices in Canada in the context of a chronic housing shortage? In the short term, these measures are likely to fuel existing demand and drive up prices. However, in the long term, this easing of mortgage rules will help many first-time buyers access home ownership and build wealth.” Royal LePage is forecasting that the aggregate price of a home in the Greater Montreal Area will increase 8.5 per cent in the fourth quarter of 2024, compared to the same quarter last year. Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 Greater Vancouver The aggregate price of a home in Greater Vancouver increased a modest 0.5 per cent to $1,233,900 year over year in the third quarter of 2024. On a quarterly basis, however, the aggregate price of a home in the region decreased 1.4 per cent. Broken out by housing type, the median price of a single-family detached home increased 0.4 per cent year over year to $1,754,500 in the third quarter of 2024, while the median price of a condominium increased 0.2 per cent to $768,600 during the same period. “The Greater Vancouver market has remained relatively steady through the third quarter, with September showing similar patterns to the summer months. We didn't see a significant bump in activity and prices dipped just slightly compared to the second quarter,” said Randy Ryalls, general manager, Royal LePage Sterling Realty. “The slow activity across all segments can largely be attributed to buyers sitting on the fence waiting for further interest rate reductions, without any real urgency to make a move just yet.” Ryalls noted that the detached home segment in particular continues to experience weaker demand, and remains firmly in buyer territory today. “Interest rates are anticipated to continue their downward trend, and while the cuts so far haven't sparked a surge in activity, a more substantial drop – a 50 basis point decrease – could have a more noticeable impact on the market. Many potential buyers are waiting for the bottom before making their move,” added Ryalls. “With inventory continuing to grow, this is an optimal environment for those who are ready to buy – prices are holding flat and there are more properties to choose from.” In the city of Vancouver, the aggregate price of a home increased 0.6 per cent year over year to $1,409,800 in the third quarter of 2024. During the same period, the median price of a single-family detached home decreased 1.1 per cent to $2,244,400, while the median price of a condominium remained virtually flat, increasing 0.2 per cent to $839,600. “Between now and the end of the year, I expect activity to remain fairly flat. However, Vancouver's market trends tend to shift quickly, and if buyer urgency and activity reverse course, I wouldn't be surprised to see an uptick in prices as well.” Royal LePage is forecasting that the aggregate price of a home in Greater Vancouver will increase 3.0 per cent in the fourth quarter of 2024, compared to the same quarter last year. The previous forecast has been revised downward to reflect current market conditions. Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 Ottawa The aggregate price of a home in Ottawa increased 1.6 per cent year over year to $775,100 in the third quarter of 2024. On a quarterly basis, the aggregate price of a home in the region remained virtually unchanged, decreasing 0.3 per cent. Broken out by housing type, the median price of a single-family detached home increased 1.8 per cent year over year to $894,400 in the third quarter of 2024, while the median price of a condominium increased modestly by 1.0 per cent to $400,300 during the same period. “At the end of the summer, the Ottawa real estate market had approximately three months worth of inventory, teetering between a balanced and a seller's market. Properties tend to stay online for a little over a month these days, which signals a healthy marketplace for both buyers and sellers,” said Jason Ralph, broker of record and president, Royal LePage Team Realty. “Home prices have continued to hold steady in recent months as sellers stick with their listing strategy; they remain confident that they will secure the price they want, even if they have to wait. Buyers are still hunting for a bargain, and are comfortable taking their time to find the property that best suits their needs. Those who are under a time constraint are moving because they have to – many others continue to wait until borrowing rates become more affordable.” Ralph noted that new mortgage legislation is generating some buzz in the market, making first-time buyers more optimistic. Busy open houses and an increase in showing requests proves consumers' confidence in the trajectory of the market is improving. “We expect home prices to trend upward slightly throughout the rest of the year as new borrowing rules improve affordability for first-time buyers,” said Ralph. “Rising prices could be exacerbated if an election is called this year. Whenever there is a changeover in government, the Ottawa housing market tends to react more markedly than other major cities.” Royal LePage is forecasting that the aggregate price of a home in Ottawa will increase 4.5 per cent in the fourth quarter of 2024, compared to the same quarter last year. Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 Quebec City The aggregate price of a home in Quebec City increased 10.5 per cent year over year to $388,600 in the third quarter of 2024. This represents the highest year-over-year price increase in Canada in Q3, and the highest price gain among the report's major regions for the second consecutive quarter. On a quarterly basis, the aggregate price of a home in the region remained virtually flat, increasing 0.4 per cent. Broken out by housing type, the median price of a single-family detached home increased 11.0 per cent year over year to $413,400 in the third quarter of 2024, while the median price of a condominium increased 14.5 per cent to $291,100 during the same period. Historically, Quebec City's real estate market has rarely stood out on a provincial or national scale. Due to the stability of its labour market, which is mainly driven by the provincial civil service, demand for real estate has rarely led to major price surges. “Overall, the province's markets have been relatively unaffected by the post-pandemic correction in real estate prices, compared to Ontario and British Columbia. Where declines did occur, they were slight and short-lived,” said Michèle Fournier, vice-president and certified real estate broker, Royal LePage Inter-Québec. “In Quebec City, the real estate correction simply never materialized. Instead, local and out-of-town demand continued to fuel rising prices without tiring, until late September. Now, buyers seem to have taken a breather, awaiting a possible further boost from the Bank of Canada with a rate cut this autumn, before repositioning themselves in the market.” This pause in activity is likely to be short-lived. With interest rates continuing to fall, and the federal government providing an additional leg-up by extending the mortgage amortization period for first-time buyers by a further five years, activity is expected to pick up quickly. “We view this initiative positively, since young buyers need additional assistance more than ever to be able to access a first home, even if this support will increase the interest portion of their mortgage bill,” said Fournier. “However, this initiative raises concerns about the impact on a real estate market characterized by high demand and limited supply. I think we're in for a very busy start to the year, particularly in the entry-level property market, which will be highly coveted by first-time buyers.” Royal LePage is forecasting that the aggregate price of a home in Quebec City will increase 9.5 per cent in the fourth quarter of 2024, compared to the same quarter last year. Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 Calgary The aggregate price of a home in Calgary increased 6.9 per cent year over year to $698,700 in the third quarter of 2024. On a quarterly basis, the aggregate price of a home in the region increased a modest 0.7 per cent. Broken out by housing type, the median price of a single-family detached home increased 6.7 per cent year over year to $799,200 in the third quarter of 2024, while the median price of a condominium increased 8.2 per cent to $274,100 during the same period. “Calgary's real estate market saw a slight uptick in activity following the most recent interest rate cut by the Bank of Canada, just as the fall market got underway. We're seeing more inventory come onto the market, especially in the $700,000-and-up segment – many sellers who pulled their properties off the market in August re-listed in September to capitalize on the fall market momentum,” said Corinne Lyall, broker and owner, Royal LePage Benchmark. “While this hasn't fully converted to sales just yet, agents are certainly staying busy, which suggests more transactions will occur in the months ahead.” Lyall noted that competition in the lower end of the market remains tight and some homes are attracting multiple offers. While the region remains in a seller's market, conditions are gradually shifting toward more balance. “Looking ahead, we expect prices to remain fairly stable through the remainder of 2024. There is potential for modest growth if further interest rate cuts occur. I expect the region will stay in a seller's market right through the spring across most price points, particularly with continued demand for lower-priced homes.” Royal LePage is forecasting that the aggregate price of a home in Calgary will increase 8.0 per cent in the fourth quarter of 2024, compared to the same quarter last year. Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 Edmonton The aggregate price of a home in Edmonton increased 5.4 per cent year over year to $456,300 in the third quarter of 2024. On a quarterly basis, the aggregate price of a home in the region increased 1.3 per cent. Broken out by housing type, the median price of a single-family detached home increased 5.7 per cent year over year to $498,900 in the third quarter of 2024, while the median price of a condominium increased 3.1 per cent to $201,000 during the same period. “Edmonton's real estate market is on track to have one of the most productive years on record. We had an extraordinarily busy summer. Typically, activity dips in July and August, but this year we saw a steady stream of sales right through the summer months. And, it looks like that momentum is being carried into the fall,” said Tom Shearer, broker and owner, Royal LePage Noralta Real Estate. “Inventory remains very tight – among the lowest levels we've seen in nearly two decades – as buyer demand continues to rise, driven in large part by first-time buyers from other cities and provinces relocating to the region. Our healthy job market and access to nature are a huge draw.” Shearer noted that while sales remain strong, the slow and steady pace of the Bank of Canada's rate cuts has helped to keep price gains in check. “Affordability remains a challenge, especially for those purchasing their first home with no equity to leverage. The gradual easing of borrowing rates is beginning to make an impact, and will continue to do so, but we have yet to see a dramatic boost in prices as a result,” added Shearer. “While consumer confidence is up overall, buyers remain cautious and many are waiting for more listings to come online. Activity should begin to plateau in the coming weeks. I expect a strong spring is on the horizon, especially with further rate cuts expected.” Royal LePage is forecasting that the aggregate price of a home in Edmonton will increase 6.5 per cent in the fourth quarter of 2024, compared to the same quarter last year. Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 Halifax The aggregate price of a home in Halifax increased 2.2 per cent year over year to $510,100 in the third quarter of 2024. On a quarterly basis, however, the aggregate price of a home in the region decreased 0.7 per cent. Broken out by housing type, the median price of a single-family detached home increased 1.7 per cent year over year to $574,000 in the third quarter of 2024, while the median price of a condominium increased 4.0 per cent to $422,900 during the same period. “The recent cuts to the overnight lending rate have yet to meaningfully stir up activity in the housing market. Home sales in late summer were quite slow, which is to be expected that time of year. Only in the last few weeks as we've entered the early fall market have we seen an uptick in inquiries. Despite this quieter pace, buying and selling activity remains up compared to 2023 levels,” said Matt Honsberger, broker and owner, Royal LePage Atlantic. “Housing inventory continues to rise throughout the Halifax region, but not enough to meet the backlog of demand. Competition for homes in the lower end of the market remains tight, while those shopping in the move-up segment have the advantage of more listings to choose from. More properties are needed to satisfy the high demand from first-time buyers.” Honsberger noted that population growth in the Atlantic region has slowed to 2015 levels, ending the wave of migration that defined the pandemic real estate boom in 2020 and 2021. This has helped to soften market conditions for locals. “We are anticipating a busy fall market. The new 30-year mortgage amortization rules announced by the federal government, in addition to further rate cuts expected by the Bank of Canada, will help to keep the market steady throughout the coming months and into the spring of 2025,” added Honsberger. “Home prices will start to show upward movement when more move-up buyers jump back into the market, freeing up entry-level inventory for eager first-time purchasers.” Royal LePage is forecasting that the aggregate price of a home in Halifax will increase 6.5 per cent in the fourth quarter of 2024, compared to the same quarter last year. Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 Winnipeg The aggregate price of a home in Winnipeg increased 4.4 per cent year over year to $402,600 in the third quarter of 2024. On a quarterly basis, the aggregate price of a home in the region remained virtually flat, decreasing 0.2 per cent. Broken out by housing type, the median price of a single-family detached home increased 3.9 per cent year over year to $441,000 in the third quarter of 2024, while the median price of a condominium increased 3.2 per cent to $264,400 during the same period. “Buying and selling activity in Winnipeg remained brisk throughout the late summer months and heading into the early fall; home sales are up compared to this time in 2023. Available inventory is down compared to typical levels for this time of year, which could result in steeper price increases in the months ahead as momentum builds heading into the fall,” said Michael Froese, broker and manager, Royal LePage Prime Real Estate. “The recent cuts made to interest rates, though they have improved consumer confidence, have not had a material impact on activity just yet. Rather, much of our market demand continues to be fuelled by a strong local economy and a growing population driven by new Canadians, as well as residents from Toronto and Vancouver who have relocated to Winnipeg in search of more affordable housing.” Froese added that new housing starts have improved from last year's levels as borrowing rates come down, giving builders some much needed financial relief. However, new development remains short of what is needed to meet current market demand. “We expect activity will continue to outperform 2023 levels for the remainder of the year,” said Froese. “Thanks to a combination of falling interest rates and new mortgage incentives announced by the federal government, buyer demand will only continue to grow heading into the new year. Given the amount of demand that will continue to come off of the sidelines as well, now is an ideal time for sellers to enter the market.” Royal LePage is forecasting that the aggregate price of a home in Winnipeg will increase 7.5 per cent in the fourth quarter of 2024, compared to the same quarter last year. Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 Regina The aggregate price of a home in Regina increased 5.0 per cent year over year to $387,100 in the third quarter of 2024. On a quarterly basis, the aggregate price of a home in the region increased modestly by 0.6 per cent. Broken out by housing type, the median price of a single-family detached home increased 6.6 per cent year over year to $424,600 in the third quarter of 2024, while the median price of a condominium remained virtually flat, increasing 0.2 per cent to $220,300 during the same period. “We continue to see robust sales activity in our housing market, as demonstrated by frequent bidding wars and homes selling over the asking price. Demand far exceeds the number of new listings, which is keeping prices on an upward trajectory,” said Shaheen Zareh, sales representative, Royal LePage Regina Realty. “All of this demand predates the recent cuts to the overnight lending rate – new immigrants, investors and buyers from more expensive cities in Canada have been major drivers of activity for some time. Though Regina has not historically had a strong condo market, we also continue to see momentum build in this segment, especially as young buyers seek affordable housing options.” Zareh added that Regina's rental market is experiencing strong demand as well, particularly for duplex and low-rise housing types. The majority of development in the region is currently in the rental segment. To prevent an overflow of supply, builders have kept a consistent pace when bringing new rental product to the market. “Based on current conditions, Regina will no doubt record a strong fall market performance. With additional interest rate cuts likely on the cards in the coming months, we expect buyer demand to increase as their borrowing power expands. This will put further upward pressure on home prices, unless we see a material increase in supply.” Royal LePage is forecasting that the aggregate price of a home in Regina will increase 6.5 per cent in the fourth quarter of 2024, compared to the same quarter last year. Royal LePage House Price Survey Chart: rlp.ca/house-prices-Q3-2024 Royal LePage Forecast Chart: rlp.ca/market-forecast-Q3-2024 For other regional releases, click here. Royal LePage Royalty-Free Media Assets: Royal LePage's media room contains royalty-free assets, such as images and b-roll, that are free for media use. Media room: rlp.ca/mediaroom Royalty-free assets: rlp.ca/media-assets About the Royal LePage House Price Survey The Royal LePage House Price Survey provides information on the most common types of housing, nationally and in 64 of the nation's largest real estate markets. Housing values in the Royal LePage House Price Survey are based on the Royal LePage Canadian Real Estate Market Composite, produced quarterly through the use of company data in addition to data and analytics from partner company, RPS Real Property Solutions, the trusted source for residential real estate intelligence and analytics in Canada. Additionally, commentary on housing market trends and data on price and forecast values are provided by Royal LePage residential real estate experts, based on their opinions and market knowledge. About Royal LePage Serving Canadians since 1913, Royal LePage is the country's leading provider of services to real estate brokerages, with a network of approximately 20,000 real estate professionals in over 670 locations nationwide. Royal LePage is the only Canadian real estate company to have its own charitable foundation, the Royal LePage® Shelter Foundation™, which has been dedicated to supporting women's shelters and domestic violence prevention programs for 25 years. Royal LePage is a Bridgemarq Real Estate Services® Inc. company, a TSX-listed corporation trading under the symbolTSX:BRE. For more information, please visit www.royallepage.ca. Mario Toneguzzi Mario Toneguzzi is Managing Editor of Canada's Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024. About Us Canada's Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast. With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders. The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada's Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story #business #entrepreneurs #entrepreneurship #HousePrices #smallbusiness

The Dean of Students at Mizzou, Michelle Froese, covers all the Family Weekend activities happening around the football game on the latest edition of Brad's Bites.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

After his sudden death in 2011, friends and family of Jack Froese received mysterious emails from his account containing personal messages and information only Jack could have known. Dubbed the 'Jack Froese Emails,' these messages have sparked speculation about the afterlife and how modern technology may be a conduit for communicating beyond the grave. For a full list of sources, please visit: sosupernaturalpodcast.com/dark-web-jack-froese-emails/ So Supernatural is an audiochuck and Crime House production. Find us on social!Instagram: @sosupernatualpod Twitter: @_sosupernaturalFacebook:  /sosupernaturalpod

Professor Udolph hat heute eine sehr interessante Geschichte für Herrn Froese. Die Namensbedeutung und Herkunft hängt mit einer evangelischen Freikirche zusammen und verrät außerdem, dass seine Vorfahren aus einer ganz anderen Richtung stammen, als vermutet. Sie wollten schon immer wissen, was Ihr Nachname eigentlich bedeutet? Es gibt fast keinen Namen, den unser Professor Udolph nicht kennt. Schreiben Sie uns über unser Formular unter http://x.swr.de/s/namenforscher.

In this episode, Jeremy Matuszewski reconnects with longtime friend and business owner Valerie Froese. They dive into the early days of Thunderstruck, reflecting on its evolution and challenges. Valerie also shares how working with Jeremy has shaped her journey and influenced the growth of her business, Indigo Bookkeeping. Join them for a candid conversation filled with insights and memories.Find More of Us Here: WebsiteInstagramTwitterFacebookTikTokYouTube

Wachstumsinitiative und Datenschutz (ab Minute 00:50): Die Bundesregierung hat jüngst eine „Wachstumsinitiative“ veröffentlicht. Im Zeichen des Bürokratieabbaus soll es auch dem Datenschutz an den Kragen gehen. So soll die Schwelle, ab der Unternehmen einen Datenschutzbeauftragten bestellen müssen, von derzeit 20 auf 50 Beschäftigte erhöht werden. Brink und Härting kritisieren die Abwertung des Datenschutzes als unnötige Bürokratie. Außerdem wird übersehen, dass es parallel eine BDSG-Novelle geben soll mit Vereinheitlichungstendenzen. Verfassungstreue und Bürgerpflichten (ab Minute 10:40): Es folgt ein Kurzausflug ins Verfassungsrecht, basierend auf einem Aufsatz von Prof. Froese in der altehrwürdigen „JuristenZeitung“. Es geht um die These einer Bürgerpflicht zum „Verfassungspatriotismus light“. Brink und Härting besprechen diese These und ordnen sie – insbesondere im Kontext von Einbürgerungsanträgen – ein. Die „Verfassungstreue“ weckt Erinnerungen an die 1970er-Jahre. Zugleich gibt es widersprüchliche Erwartungen an Migranten: Man erwartet von ihnen, mit der Einbürgerung „so wie wir zu sein“, einschließlich aller historischen Erfahrungen und Familiengeschichten. BGH-Urteil zur Videoüberwachung (ab Minute 20:02): In einem Urteil des BGH (VI ZR 1370/20) geht es um eine verdeckt durchgeführte Videoüberwachung im Hausflur eines Mietshauses. Hierdurch wollte der Vermieter eine unzulässige Untervermietung beweisen und klagte auf Räumung der Wohnung, die Mieterin mittels Widerklage auf 10.000 Euro Entschädigung wegen der heimlichen Aufnahmen. Beide Vorinstanzen hatten Klage und Widerklage abgewiesen, der BGH bestätigte dies. In großer Ausführlichkeit begründet der BGH die Anwendbarkeit der DSGVO auf das Zivilprozessrecht. Ohne die DSGVO in der Hand kann in Zukunft kein Gerichtsverfahren mehr geführt werden.

On the Ask Canada Immigration Lawyer Evelyn Ackah podcast, host Evelyn Ackah talks with Garth Froese, the president and CEO of Pacific East Research Corporation, and they discuss what it's like being a corporate client of Ackah Business Immigration Law. Pacific East is a data management company that provides contact information for corporations in the U.S. and protects people from fraud. Garth shares his journey of how he got into the business and his experience trying to enter the U.S. as a Canadian without a work visa. He also talks about his experience working with Ackah Business Immigration Law to obtain an e-Visa for his business and the benefits it has provided for his team to do business in the U.S. Garth emphasizes the importance of building relationships, treating people with respect, and the impact of positivity and happiness on success. He also shares tips for doing business in the U.S. and retaining a happy and engaged team.Evelyn is grateful for Garth's support and friendship and highlights the importance of taking care of oneself and maintaining a healthy work-life balance.Garth Froese can be reached through:LinkedInPacific East Research CorporationHere are the key points from Evelyn Ackah's podcast interview with Garth Froese.Business Journey and Visa Challenges:Garth describes his journey in expanding Pacific East Research Corp, including starting a U.S. branch and the challenges faced in obtaining a work visa due to NAFTA regulations. His perseverance in securing the visa underscores the complexities of cross-border business operations.Successful Visa Acquisition and Business Operations:With Evelyn's assistance, Garth successfully obtained an E-Visa, enabling smoother cross-border business activities. The E-Visa has facilitated his and his team's ability to conduct business in the U.S., highlighting the importance of professional legal support in navigating immigration processes.Homeland Security Policy Changes Post-9/11:Homeland security policies in the United States significantly evolved between 2007 and 2009 in response to the events of 9/11. This period saw the implementation of stricter border controls and other security measures, prompting businesses to adapt and reconsider their operations, particularly those involving cross-border data and staffing.Challenges of Business Expansion Across Borders:Expanding a business into different countries involves understanding and adapting to unique regulatory environments and cultural differences. For instance, while Canada offers rich natural resources, the smaller population base compared to the US can pose challenges for businesses expecting similar market dynamics.Importance of Personal Well-being in Leadership:Garth emphasized the importance of maintaining personal well-being as a leader, including physical exercise and mental health. He highlighted how taking care of oneself can lead to better leadership effectiveness and overall quality of life, essential for sustained success in business and personal life.BOOK YOUR FREE CASE EVALUATION

En este episodio de Noctámbulos Podcast, exploramos dos misterios que desafían toda lógica y nos sumergen en lo más profundo de lo inexplicable. Primero, nos adentramos en el enigmático caso de Jack Froese, un hombre que falleció en 2011 pero que, sorprendentemente, siguió enviando correos electrónicos a sus amigos y familiares desde el más allá. ¿Quién o qué estaba detrás de estos mensajes? ¿Un fallo técnico, una broma macabra o algo más siniestro?Luego, viajamos al remoto y tranquilo pueblo de Keddie, California, para desentrañar los asesinatos de Keddie, un caso sin resolver que ha dejado perplejos a investigadores y residentes durante décadas. En 1981, una familia fue brutalmente asesinada en su cabaña, y hasta el día de hoy, las preguntas siguen sin respuestas. ¿Qué sucedió realmente en la Cabaña 28? ¿Quién fue el autor de tan horrendo crimen y por qué?Acompáñanos en este viaje nocturno lleno de intriga, suspenso y escalofríos, mientras intentamos arrojar luz sobre estos oscuros misterios. Prepárate para una noche de historias perturbadoras y hechos sorprendentes que te dejarán sin aliento. Hosted on Acast. See acast.com/privacy for more information.

Bob Froese is the Founder of Bob's Your Uncle, an innovative creative agency known for launching global brands and executing high-impact marketing strategies. With over two decades of experience in the advertising industry, Bob has led his company to work with clients like Canon, Mike's Hard Lemonade, and Popeyes. He grew up as a Mennonite in rural Manitoba with no TV, radio, or movie exposure, making his accomplishments in the advertising world all the more remarkable. In this episode… Have you ever imagined disrupting a global event like the Olympics without breaking a rule or launching an unknown brand to compete with giants in the industry? What if someone told you that achieving these feats takes more than traditional marketing tactics? Experienced brand and rebrand practitioner Bob Froese delves into how he turned a small agency into a powerhouse known for its audacious marketing strategies and out-of-the-box creative solutions. He shares how he navigated the challenges of rebranding his company and his approach to building client relations, focusing on a mix of creativity, strategic thinking, and heartfelt connections. Bob reflects on the importance of mentorship in finding one's path and on the strategic reasons behind refining the agency's niche services. In this episode of the Inspired Insider Podcast, Dr. Jeremy Weisz interviews Bob Froese, Founder of Bob's Your Uncle, about how creativity and brand savvy can create disruptive market impacts. Bob weaves stories from his career about the importance of branding, the power of saying ‘no,' and the art of making an impression that lasts decades. He also discusses the challenges and achievements of onboarding new employees and maintaining a culture of innovation within his team.

Gayleen Froese returns to share her latest novel, The Dominion, a travel guide to a magical city-state that isn't as safe as you might imagine. We then preview her upcoming release, The Man Who Hated Clouds, the latest in the Ben Ames mystery series. https://gayleenfroese.com/  http://www.wrotepodcast.com/gayleen-froese/ 

Das Grundgesetz traut den Deutschen viel zu - manche würden auch sagen: mutet viel zu. Demokratie ist anstrengend, denn viel will verhandelt sein. Dazu Prof. Judith Froese vom Lehrstuhl für Öffentliches Recht der Universität Konstanz

Wednesday Evening Bible Study | Bro. Froese and Bro. Blake Smith

Welcome to Episode 157 of The Spokesman Speaks podcast. In this episode, we delve into the heart of agriculture's economic challenges and opportunities with Dr. Christopher Pudenz, who previews Iowa Farm Bureau's much anticipated Economic Summit. Also joining us is Elaine Froese. Known as "Canada's farm whisperer," Froese shares her invaluable experience helping farm families enhance their communication and conflict resolution skills. Resources mentioned in this episode: Register for Iowa Farm Bureau's Economic Summit on June 14. Visit Elaine Froese's website for additional resources. Plan for your farm's future with help from Iowa Farm Bureau's Take Root program. This program is managed Amanda Van Steenwyk: avansteenwyk@ifbf.org. 

What is time disorientation and how does it relate to mental health? Sociologists Matthew Andersson and Paul Froese examined these questions and more while studying Americans' relationship with time after the COVID-19 pandemic. In this Baylor Connections, Andersson and Froese take listeners inside time disorientation—what it is, what it isn't, and what factors can impact our perception of time.

Meet Ashlee Froese, the driving force behind Froese Law, serving as its Founder and CEO. Leading this cross-border legal firm, Ashlee adeptly steers through diverse industries, specializing in key areas like branding, corporate, and commercial law.Ashlee embarked on her legal journey with a clear mission: to empower clients with comprehensive information for informed business decisions and to demystify the legal space, making it accessible to a broader audience.In this episode of Her CEO Journey, Ashlee Froese delves into the intricacies of contract writing for international business. While local contracts might seem straightforward with all parties governed by local laws, the international landscape introduces complexities such as:Which laws apply? How does culture come into play? Does ethical approach vary between countries?Join us in this episode of Her CEO Journey to learn the nuances behind contract writing on the international stage.Here's what you'll discover:Learn the essential elements that go into writing contracts for international business.Discover the several factors a company must contemplate before venturing onto the global stage.Understand the nuanced approach required for negotiations and drafting a business contract with international counterparts.Episode Highlights[03:01] Ashlee Froese's CEO Journey[08:18] Fundamental Requirements for International Operations[12:53] Nuances in Domestic Vs International Contracts[17:09] Talking Strategy With Clients[18:24] The Cultural Component[19:55] Protecting Client Interests[25:22] International Considerations for B Corps[29:49] The Strategy Behind Contract Writing[33:40] Negotiating From Step OneResourcesWork with Froese LawConnect with Ashlee Froese: LinkedIn | InstagramConnect with Christina Sjahli: LinkedIn Find out about Profit Reimagined: LinkedIn | Website Enjoyed This Podcast?Each review you write helps us reach more women in business. Your insights are invaluable—share this with your friends and amplify the impact! Connect With the Profit ReimaginedReady to turn purpose into profit? Transform your financial strategy and embark on a journey toward a sustainable and thriving business. Schedule a chat with the team today!

In this interview, Phil Soper, President and CEO of Royal LePage, discusses the real estate company's latest housing report. Soper talks about where home prices are headed in 2024, what to expect in sales, the impact of increased mortgage rates, the challenge of supply in Canada and affordability. PRESS RELEASE TORONTO, Dec. 14, 2023 /CNW/ – After years of unprecedented irregularity, Canadians may see the real estate market return closer to normal in 2024. According to the Royal LePage Market Survey Forecast, the aggregate1 price of a home in Canada is set to increase 5.5 per cent year over year to $843,684 in the fourth quarter of 2024, with the median price of a single-family detached property and condominium projected to increase 6.0 per cent and 5.0 to $879,164 and $616,140, respectively.2 “Looking ahead, we see 2024 as an important tipping point for the national economy as the majority of Canadians acknowledge that the ultra-low interest rate era is dead and gone,” said Phil Soper, President and CEO, Royal LePage. “We believe that the ‘great adjustment' to tolerable, mid-single-digit borrowing costs will have a firm grip on our collective consciousness after only modest rate cuts by the Bank of Canada.” Home prices are expected to rise next year in all major markets across the country, with Calgary forecast to see the greatest gains. Throughout the second half of 2023, while prices have been declining in other cities, the Calgary real estate market has bucked the trend continuing on an upward price trajectory. Royal LePage's forecast is based on the prediction that the Bank of Canada has concluded its interest rate hike campaign and that the key lending rate will hold steady at five per cent through the first half of 2024. The central bank is expected to start making modest cuts in late summer or fall of next year. Meanwhile, several major financial institutions have already begun offering discounts on fixed-rate mortgages. “For the last year, many Canadians have been fixated on the idea of interest rates needing to come down significantly before they can afford to enter or re-enter the housing market. Acceptance that a mortgage rate of four to five per cent is the new normal should untether pent-up demand as first-time buyers, flush with savings collected during the extended down market in housing, regain the confidence to go home shopping. And, with the return of first-timer demand, we expect families who have put off upgrading their homes to begin to list their properties in much greater numbers,” continued Soper. How we got here Over the last eighteen months, sales activity in most of Canada's major real estate markets has been on the decline, while inventory levels have gradually increased. While transactions are down as much as 20 or 30 per cent in some regions, home prices have only declined modestly during this time, due to a simultaneous drop in demand as buyer hopefuls continue to hold out for lower interest rates. Still, prices remain above 2022 levels. “Canada's real estate market has been on a roller coaster ride for the last four years. A global pandemic briefly brought market activity to a grinding halt in early 2020, followed by a rapid, widespread spike in demand and price appreciation as Canadians sought safety and greater living space in their homes among a world of uncertainty. By the spring of 2022, home prices had reached unprecedented highs, but when interest rates started rising quickly and steeply to combat inflation, the extended market correction began,” said Soper. “Markets take time to adjust. We see a move toward typical home sale transaction levels in 2024, and as the year progresses, appreciating house prices.” Quarterly forecast Nationally, home prices are forecast to see modest quarterly gains in the first two quarters of 2024, with more considerable increases expected in the second half of the year, following the anticipated start of interest rate cuts by the Bank of Canada. The aggregate price of a home in Canada is forecast to be 3.3 per cent higher in Q1 of 2024 compared to the same quarter in 2023, reflecting a 0.5 per cent increase over the fourth quarter of 2023. In the second quarter of next year, the national aggregate home price is forecast to be 0.2 per cent higher year over year and 0.9 per cent above the previous quarter. In the third quarter, home prices are expected to be 3.3 per cent higher year over year and 2.3 per cent higher on a quarterly basis. And, in the fourth quarter of 2024, the national aggregate price of a home is expected to land 5.5 per cent above the same quarter in 2023, an increase of 1.7 per cent quarter over quarter. Based on this forecast, by the end of next year, home prices will have essentially climbed back to their pandemic peak, reached in the first quarter of 2022. Supply shortage and affordability challenges Canada continues to struggle with a chronic housing supply shortage. According to the Canada Mortgage and Housing Corporation, the country needs about 3.5 million additional housing units by 2030 to restore affordability, with the greatest need concentrated in the provinces of Ontario and British Columbia.3 At the current pace of housing construction and considering the rate of new household formation and immigration projections, inventory will remain out of step with projected demand for years to come. “For many years, condominiums have offered an affordable opportunity for entry onto the real estate ladder, in addition to their ‘lock and leave' lifestyle that is typically attractive to young people. Of late, however, this segment of the market has also become out of financial reach for many in major cities like Toronto and Vancouver, where new construction cannot keep pace with growing demand. And, the elevated cost of construction materials and labour are adding additional pressure on builders,” said Soper. “What's more, with ultra-low vacancy rates, the rental market is not the escape route many would-be buyers hope it could be, with monthly lease rates on the rise from coast to coast.” Competing public policy objectives In the federal government's Fall Economic Statement released last month, billions of dollars were committed and reaffirmed towards increased levels of new housing construction. This includes favourable loan agreements and tax benefits for developers of purpose-built rental buildings and public housing projects, as well as financial assistance for municipalities to crack down on short-term rentals in an effort to push more supply onto the resale market in urban centres.4 “It is encouraging to see policy makers tackling Canada's housing affordability issues and supply shortfall, yet there remains a large accessibility gap for first-time buyers and middle-income earners. Those that have salaries or wages that have not kept up with the cost of living find it difficult to achieve the dream of home ownership. Thankfully, many have received financial help from family or friends, yet this is not something Canadians should have to rely upon,” said Soper. “With competing policy objectives – record-high immigration to combat labour shortages, for example – I see little hope that housing construction will meet that need this decade. The demand/supply imbalance will put further upward pressure on home prices. “While uncomfortably expensive housing in our major markets is inevitable, it is imperative that governments adopt quick and extraordinary measures to mitigate affordability challenges and address the housing supply crisis,” concluded Soper. Royal LePage 2024 Market Survey Forecast Table: rlp.ca/table_2024forecast Royal LePage 2024 Quarterly Forecast Table: rlp.ca/table_2024quarterlyforecast MARKET SUMMARIES Greater Toronto Area In the Greater Toronto Area, the aggregate price of a home in the fourth quarter of 2024 is forecast to increase 6.0 per cent year over year to $1,198,012. During the same period, the median price of a single-family detached property is expected to rise 7.0 per cent to $1,481,950, while the median price of a condominium is forecast to increase 5.0 per cent to $754,845. “There is a lot of uncertainty surrounding Canada's economy and the real estate market these days, and that is especially true in the major centres like Toronto. What is certain is that Canadians need housing, they value home ownership and most are willing to prioritize buying a home over just about anything else,” said Karen Yolevski, chief operating officer, Royal LePage Real Estate Services Ltd. “We know there are still buyers on the sidelines waiting for interest rates to come down. What is unclear is how many can afford to jump back into the market at the first sign of a reduction, and how many truly cannot afford to transact in this environment.” Yolevski added that a lot of future activity will be dependent not only on reduced interest rates, but the timing of mortgage renewals. Many would-be move-up buyers who have enjoyed ultra-low rates for the past few years will be willing to make a move as their current loan terms expire. No longer bound to their current property because of the interest rate, more of these owners will put their properties on the market and begin their search for a new home. “The GTA is Canada's most densely-populated region and continues to be the top destination for newcomers. Despite a temporary drop in sales, there remains a huge gap in the number of homes available and those needed to satisfy demand from middle-income earners. This continues to put significant pressure on the already-tight rental market.” Yolevski also noted that investor-owned properties, namely condominiums, could add supply to the market over the next year or two, as mortgages come up for renewal and owners choose to sell rather than renew at a higher rate. “If tenanted properties are not producing positive cash-flow, investors may choose to sell rather than renew their mortgages in this higher-cost borrowing environment. This, in addition to new legislation that incentivizes the development of purpose-built rental properties, could add some much-needed inventory to the entry-level market,” said Yolevski. “It will not be enough, however, to put downward pressure on prices.” Royal LePage 2024 Market Survey Forecast Table: rlp.ca/table_2024forecast Royal LePage 2024 Quarterly Forecast Table: rlp.ca/table_2024quarterlyforecast Greater Montreal Area In the Greater Montreal Area, the aggregate price of a home in the fourth quarter of 2024 is forecast to increase 5.0 per cent year over year to $610,260. During the same period, the median price of a single-family detached property is expected to rise 4.5 per cent to $684,998, while the median price of a condominium is forecast to increase 6.0 per cent to $471,912. “The real estate crystal ball prediction will be made up of many factors in 2024, but the thing to remember is that the reduction in inflation closer to the target rate will not have been enough to curb the increase in real estate prices for very long, due to a chronic lack of supply,” said Dominic St-Pierre, vice-president and general manager, Royal LePage, Quebec region. “Housing is an essential need, and the still-critical shortage of units required to meet demand and population growth is destined to persist, as long as investments by all levels of government fail to materialize in the urban landscape. However, even if interest rates are expected to start dipping next year, consumers will have to adapt to a new reality, as the days of ultra-low rates are over. In the short term, this should keep property price increases in check while households adjust their purchasing behaviours.” In its fall economic update, the Quebec government pledged $1.8 billion over five years to improve access to housing in the province.5 This investment will include actions to accelerate the construction of affordable housing, as well as assistance to municipalities in the form of increased flexibility in urban planning bylaws, measures to facilitate the construction of secondary suites, and support for the training of the construction workforce. “We welcome any initiative aimed at reducing the gap between supply and demand, and applaud the creativity of the various levels of government in multiplying solutions,” said St-Pierre. “However, the challenge is massive, since Quebec requires the addition of more than 1.2 million units by the end of the decade in order to regain some semblance of affordability.” What's more, Montreal is the Canadian city where housing starts fell the most in the first six months of 2023, a 26-year record, and the prognosis for 2024 is not optimal.6 Rising borrowing costs have taken a heavy toll on builders' and developers' portfolios over the past year. For this reason, it is expected that when interest rates start to decline, the pent-up demand will unleash on the condominium segment in the Greater Montreal Area, which will see an appreciation rate slightly higher than that of single-family homes. “In addition to condominiums, the market for single-family homes priced at $1 million and higher should also see an upturn as expectations of lower interest rates materialize,” said Marc Lefrançois, chartered real estate broker, Royal LePage Tendance in Montreal. “For this category of buyers, moving from one property to another is often not an immediate necessity. Many have therefore preferred to wait in order to take advantage of more favourable financing conditions, but could return to the market quickly when the central bank announces the start of a downward cycle in interest rates.” Economic conditions in the province were heavily weighed down at the end of the year by the outbreak of strikes in the public sector, as well as numerous layoffs across a myriad of industries, which could influence consumer confidence regarding large purchases such as a property in 2024, despite a widely expected drop in interest rates. “Savings accumulated by households during the pandemic have begun to run out, keeping pace with inflation and interest rate hikes over the past 21 months,” noted St-Pierre. “Quebec households have a high level of debt, and despite signs of relief in borrowing costs on the horizon, their purchasing power will remain limited. The downward adjustment of the Bank of Canada's overnight rate, even by a quarter per cent, could send a strong message to consumers about future economic conditions. The pace at which interest rates rebalance will also play a big part in the equation,” he continued. St-Pierre added, “The start of 2024 could see the Greater Montreal Area's real estate market get off to a slow start, following a similar trend to the last quarter of 2023. But, we expect the recovery to get underway quickly once interest rates start to fall. Next year is likely to be more active than 2023 in terms of property sales,” he concluded. Royal LePage 2024 Market Survey Forecast Table: rlp.ca/table_2024forecast Royal LePage 2024 Quarterly Forecast Table: rlp.ca/table_2024quarterlyforecast Greater Vancouver In Greater Vancouver, the aggregate price of a home in the fourth quarter of 2024 is forecast to increase 3.0 per cent year over year to $1,281,732. During the same period, the median price of a single-family detached property is expected to rise 2.5 per cent to $1,778,785, while the median price of a condominium is forecast to increase 4.0 per cent to $795,808. “Activity has slowed in recent months allowing some inventory to build, as buyers hold out for a deal or for interest rates to drop, and sellers continue to expect 2021 values for their homes. While this has resulted in a market slowdown, Greater Vancouver could see a brisk spring if interest rates remain steady or dip even a little,” said Randy Ryalls, managing broker, Royal LePage Sterling Realty. “There is still plenty of demand waiting in the wings, and a glimmer of light at the end of the tunnel could easily heat up the market again. Some buyers will rush to transact before the competition gets too tight. Others will wait for multiple rate cuts.” Ryalls noted that while many sidelined buyers are likely to jump back into the market next year if lending rates come down, competition will not be as aggressive as it was two years ago when borrowing costs sat at record lows. “Purchasing power has been deflated. With the rising cost of living and interest rates five or six times higher than they were a few years ago, buyers have less capacity to outbid their competitors. This will keep a lid on price appreciation, even as activity picks up,” said Ryalls. “Some banks have already begun to offer discounts on fixed-rate mortgages, incentivizing some buyers back to the table. Eventually, everyone will have to adjust to the new realities of the market.” Royal LePage 2024 Market Survey Forecast Table: rlp.ca/table_2024forecast Royal LePage 2024 Quarterly Forecast Table: rlp.ca/table_2024quarterlyforecast Ottawa In Ottawa, the aggregate price of a home in the fourth quarter of 2024 is forecast to increase 4.5 per cent year over year to $771,942. During the same period, the median price of a single-family detached property is expected to rise 4.0 per cent to $884,000, while the median price of condominium is forecast to increase 5.0 per cent to $407,190. “The Ottawa market is heavily influenced by interest rates. Even if we see only a modest decrease in rates by the Bank of Canada mid-way through 2024, this move could spark a flurry of buying activity leading into our late summer and early fall market,” said Jason Ralph, broker of record, Royal LePage Team Realty. “These days, only those homeowners who must move for personal reasons are listing their homes. In many cases, those with the luxury of time are staying on the sidelines, waiting for interest rates to come down. This is creating pent-up buyer demand, especially in the always desirable single-family detached segment.” Ralph noted that many first-time homebuyers have been renting as they wait for lower interest rates and improved purchasing power. This is creating a competitive rental market, especially as newcomers relocate to Ottawa for opportunities in the city's thriving public service job market, adding to the already high levels of renter demand. “Though we have returned to a more normalized market post-pandemic, we are not quite in balanced territory yet as demand continues to outweigh supply. As a result, we are expecting a brisk spring market next year,” said Ralph. “Should we see a drop in interest rates, market activity will intensify, resulting in an incline in home prices in the later months of the year and into 2025.” Royal LePage 2024 Market Survey Forecast Table: rlp.ca/table_2024forecast Royal LePage 2024 Quarterly Forecast Table: rlp.ca/table_2024quarterlyforecast Calgary In Calgary, the aggregate price of a home in the fourth quarter of 2024 is forecast to increase 8.0 per cent year over year to $711,612, the highest of all forecast regions. During the same period, the median price of a single-family detached property is expected to rise 6.0 per cent to $803,692, while the median price of a condominium is forecast to increase 9.5 per cent to $286,562. “Although activity has slowed in Calgary, home prices have not dipped like they have in other cities across Canada, due to a sustained shortage of supply,” said Corinne Lyall, broker and owner, Royal LePage Benchmark. “If rates start to come down in the second half of 2024 – as they are predicted to do – it will motivate buyers to jump into the market as their borrowing power improves. Many homeowners will see their mortgages come up for renewal next year, and will be forced to take a higher interest rate. This may push some more inventory onto the market, as overleveraged borrowers downsize in an effort to get some relief from higher monthly payments.” Lyall noted that Calgary has seen a slowdown in the number of interprovincial buyers relocating to the city compared to the past few years. However, investors from other provinces continue to look for real estate opportunities in the Prairies, driving demand in the multi-family segment. “We expect that home prices will rise over the next year, and will outperform other major cities as Calgary's relative affordability continues to attract buyers to the city. A shortage of supply remains a challenge, which will keep prices on an upward trajectory for the foreseeable future as buyers compete for the few homes available,” said Lyall. “Heading into the new year, I predict that we will see a slow start to the market in January and February, a similar pattern to what we saw in early 2023. Once March arrives, buyers and sellers will move off of the sidelines as a brisk spring market begins and consumer confidence strengthens.” Royal LePage 2024 Market Survey Forecast Table: rlp.ca/table_2024forecast Royal LePage 2024 Quarterly Forecast Table: rlp.ca/table_2024quarterlyforecast Edmonton In Edmonton, the aggregate price of a home in the fourth quarter of 2024 is forecast to increase 4.0 per cent year over year to $443,248. During the same period, the median price of a single-family detached property is expected to rise 7.0 per cent to $493,805, while the median price of a condominium is forecast to increase 2.0 per cent to $192,678. “Next year, we expect similar activity to this year, but home values will likely increase as price appreciation falls in line with historical trends. Edmonton continues to experience a shortage of homes relative to demand, which will keep home prices trending upward in 2024. This will only be intensified by the number of residents moving into the city, searching for affordability and work opportunities,” said Tom Shearer, broker and owner, Royal LePage Noralta Real Estate. “We continue to see a gap between buyer expectations and the reality of how far their dollar will stretch. Until they feel that they're getting their money's worth, some buyers will continue to wait on the sidelines, building further pent-up demand.” Shearer noted that Edmonton home prices are largely tied to the oil and gas sector, which continues to be a major driver of employment opportunities. Edmonton has seen a surge in newcomers over the past few years, in addition to Canadians moving to Alberta from other provinces – namely Ontario and British Columbia. “The city's fast-growing population has put upward pressure on home prices,” said Shearer. “In recent years, the province has seen a notable surge in activity and home prices in the city of Calgary, and we believe similar trends are on the horizon for Edmonton.” Royal LePage 2024 Market Survey Forecast Table: rlp.ca/table_2024forecast Royal LePage 2024 Quarterly Forecast Table: rlp.ca/table_2024quarterlyforecast Halifax In Halifax, the aggregate price of a home in the fourth quarter of 2024 is forecast to increase 3.0 per cent year over year to $521,592. During the same period, the median price of a single-family detached property is expected to rise 5.0 per cent to $602,490, while the median price of a condominium is forecast to increase 1.5 per cent to $431,375. “Looking ahead to the 2024 housing market in Halifax, we are feeling quite positive. It is likely that interest rates will be reduced mid-year, which will cause some hesitant or sidelined buyers to jump back into the market,” said Matt Honsberger, broker and owner, Royal LePage Atlantic. “Those in the rental market – who are currently paying higher-than-normal prices due to tight competition in this segment – will be especially motivated to transition into home ownership. Many move-up buyers, who have patiently been biding their time until borrowing rates improve or their mortgages come up for renewal, are also expected to re-enter the market in the new year.” Honsberger noted that investors from Ontario and Alberta are an active buyer group in Nova Scotia. This demand is not exclusive to the investor-friendly condominium segment, but is also present in the single-family and new construction markets as well, despite the non-resident tax applicable to all transactions by out-of-province buyers. “Though we will experience the typical seasonal slowdown in the first weeks of the new year, I expect January will still be up in terms of prices and activity compared to the same time this year. Sales are likely to begin increasing in February and March, as more inventory comes online. And, if we see one or two rate cuts in the fall, a boost of activity will follow,” said Honsberger. Royal LePage 2024 Market Survey Forecast Table: rlp.ca/table_2024forecast Royal LePage 2024 Quarterly Forecast Table: rlp.ca/table_2024quarterlyforecast Winnipeg In Winnipeg, the aggregate price of a home in the fourth quarter of 2024 is forecast to increase 3.0 per cent year over year to $396,447. During the same period, the median price of a single-family detached property is expected to rise 4.0 per cent to $440,232, while the median price of a condominium is forecast to increase 2.0 per cent to $263,568. “Every year, the Winnipeg real estate market follows a similar pattern – slow through the winter months with a rise in activity in the spring, followed by a quieter summer and then a slow decline for the remainder of the year. We expect 2024 will look much like a typical year, resulting in modest price increases as consumer confidence strengthens,” said Michael Froese, broker and manager, Royal LePage Prime Real Estate. “Single-family detached homes will likely see the majority of next year's price growth, especially in the highly-sought-after $300,000 to $400,000 price range.” Froese added that he is not overly concerned that the expected wave of upcoming mortgage renewals will force many homeowners to have to list their homes due to higher monthly costs. “As has always been the case, Canadians value home ownership. When faced with financial strain, most people will cut back on discretionary spending and make other concessions before resorting to selling their homes,” he added. “While it may not be as strong of a seller's market as it was two years ago, prices are anticipated to remain buoyant as buyer demand is expected to continue outweighing available home supply, even in the slower months.” Royal LePage 2024 Market Survey Forecast Table: rlp.ca/table_2024forecast Royal LePage 2024 Quarterly Forecast Table: rlp.ca/table_2024quarterlyforecast Regina In Regina, the aggregate price of a home in the fourth quarter of 2024 is forecast to increase 3.0 per cent year over year to $381,306. During the same period, the median price of a single-family detached property is expected to rise 4.0 per cent to $417,456, while the median price of a condominium is forecast to increase 2.5 per cent to $228,063. “Like many cities across Canada, higher interest rates have prompted buyers to hit pause as their borrowing capacity has diminished. As a result, demand is building on the sidelines as consumers wait anxiously for borrowing costs to come down,” said Shaheen Zareh, sales representative, Royal LePage Regina Realty. “Although it is highly unlikely we will see rates as low as one or two per cent again – at least not anytime soon – I do believe some of that sidelined demand will re-enter the market once rates are cut, even if only by a small amount.” Zareh added that rental prices have climbed in Regina as higher mortgage rates have kept would-be buyers in leased properties for longer. This has constrained rental supply and pushed prices up, making the cost of monthly rent comparable to a mortgage payment in some cases. “Overall, supply remains constrained. I expect prices will see a modest increase in 2024, not only in the detached segment but in the condo market as well. There has been a lot of activity in the condominium segment as of late, despite the property type not being particularly popular in the region, historically. We have seen an uptick in condo sales thanks to first-time buyers who are seeking a more affordable option that will allow them to get a foot on the property ladder sooner.” said Zareh. “Many young buyers would much prefer a new condo for $200,000 over a detached fixer-upper that costs $100,000 more.” Zareh noted that many short-term pandemic-era mortgages are expected to come up for renewal next year, which could have an impact on supply as homeowners weigh the decision to renew or sell their homes and downsize into a more financially manageable property. About the Royal LePage Market Survey Forecast The Royal LePage Market Survey Forecast provides year-over-year and quarter-over-quarter price expectations nationally and for Canada's nine most prominent real estate markets. Housing values are based on the Royal LePage National House Price Composite, produced quarterly through the use of company data in addition to data and analytics from its sister company, RPS Real Property Solutions, the trusted source for residential real estate intelligence and analytics in Canada. Additionally, commentary on housing market trends and data on price and forecast values are provided by Royal LePage residential real estate experts, based on their opinions and market knowledge. About Royal LePage Serving Canadians since 1913, Royal LePage is the country's leading provider of services to real estate brokerages, with a network of approximately 20,000 real estate professionals in over 670 locations nationwide. Royal LePage is the only Canadian real estate company to have its own charitable foundation, the Royal LePage Shelter Foundation, which has been dedicated to supporting women's shelters and domestic violence prevention programs for 25 years. Royal LePage is a Bridgemarq Real Estate Services Inc. company, a TSX-listed corporation trading under the symbolTSX:BRE. For more information, please visit www.royallepage.ca. Mario Toneguzzi is Managing Editor of Canada's Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list About Us Canada's Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast. With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders. The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada's Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story. #business #CanadasNumberOnePodcastforentrepreneurs #entrepreneurship #Homes #Housing #smallbusiness

"Did you hear me? I'm at your house. Clean your fucking attic!!!"In June of 2011, 32-year-old Jack Froese died of a heart attack at his home in Dunmore, Pennsylvania. A father of two and a longtime musician, Jack made a strong impact in the lives of his friends and family during his short time here on Earth.Months later, those that had loved and cared for Jack during his life were still struggling to move on after his sudden and tragic loss. That was made difficult for some of them, however, when they began receiving emails from Jack...Research, writing, hosting, and production by Micheal WhelanMusic composed and created by Micheal WhelanAdditional music includes "Unresolved Mysteries" by Ailsa Traves (podcast theme song, end credits)Learn more about this podcast at http://unresolved.meIf you would like to support this podcast, consider heading to https://www.patreon.com/unresolvedpod to become a Patron or ProducerThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/3266604/advertisement

Welcome to Episode 69 of the Waypoint Podcast! Today Dyke & Rebecca sit down with Drew Froese, a lead pastor in Virginia who has been really delving into  how to get congregations to not just hear the message on Sunday but live it and multiply it. World view, biblical authority, and intentional friendships. This journey of study  has led Drew to write a book so you can lead a similar movement in your church. This is a challenging and encouraging message we hope you find inspiring in your ministry context!Reach out to Drew:www.reallife.church/team/drew-froeseCheck out his website:www.drewfroese.comRemember you can always find us atwaypointchurchpartners.comFollow us atfacebook.com/WaypointChurchPartnersinstagram @waypointchurchpartnersThe Waypoint Podcast is hosted and produced by Dyke McCordhosted, produced, and edited by Rebecca HottIf you want to find out more about supporting Waypoint Church Plants head toiplantchurches.comRegister for future Waypoint Events or reach out to any of our Staff!

Therefore, my people will go into exile for lack of understanding.- Isaiah 5:13 NIV

Un wiels see nich Vestentnis haben woat mien Volkj wajchjefieet woaren.- Jesaja 5:13

Saved from and for | Bro Paul Froese

Welcome to the Cross Border Interviews With Chris Brown, Today's guest is Moose Jaw Councillor Crystal Froese ******************** Visit www.crossborderinterviews.ca for more details and a list of all the links mentioned during this interview. The Cross Border Interview Podcast was Produced and Edited by Miranda, Brown & Associates Inc © 2023

If You Do Not Stand Firm - Billy FroeseThe chief city of Ephraim is Samaria, and the chief of Samaria is the son of Remaliah. If you do not stand firm in your faith, then you will not stand at all.- Isaiah 7:1-9 (CSB)

Glaubt Ihr Nicht , So Bleibt Ihr Nicht - Billy FroeseEfraim es nich stoakja aus Samaria, un Samaria es nich stoakja aus Remalja sien Sän. Wan jie nich eenen fausten Gloowen haben, dan woa jie nich bestonen bliewen.- Jesaja 7:9

When did you last speak with your best friend from high school? What would you say to each other today? In what ways would you be the same? Different? Would you pick up where you left off? Has life been what you expected it to be?  But mostly, how would this experience MOVE you? In his first podcast episode since moving back to his Columbia, Missouri, hometown, Jones shares the stage with high school BFF, Sarah Froese. Now in their 60s, they hit the ground running—both having chosen careers promoting authenticity, creativity, mental health and joy.  From meatloaf to HGTV. From Broadway, Siri and poop to Mrs. Dash and relevance, Jones and Froese continue to make you want to KEEP MOVING! #FullOut JONES.SHOW Online:    Join us in the Jones.Show Lounge on Facebook. Twitter (Randy): https://twitter.com/randallkjones  Instagram (Randy): https://www.instagram.com/randallkennethjones/ Facebook (Randy): https://www.facebook.com/mindzoo/ Web:  RandallKennethJones.com Twitter (Susan): https://twitter.com/SiriouslySusan Instagram (Susan): https://www.instagram.com/siriouslysusan/ Facebook (Susan): https://www.facebook.com/siriouslysusan/ Web: SusanCBennett.com LinkedIn (Kevin): https://www.linkedin.com/in/kevin-randall-jones/  Web: KevinRandallJones.com   www.Jones.Show

Strap in! This is a fun one. We've got our great friend and guitar extraordinaire, Ben Froese, in the hot seat! We intended for this to be a bonus episode last year, but we figured we would do this episode justice and release it properly. This episode was recorded on a very late night in Chicago, after a long day of record shopping. We sat down and discussed our method of choosing a record to buy and we talk about some of the records we bought that day. Hope ya'll enjoy this very loose episode. ✌️

Founded in 1967 by Edgar Froese in West Berlin, Tangerine Dream is one of the most prominent electronic music pioneers. After Edgar Froese's death in 2015, the group consists of Thorsten Quaeschning, Hoshiko Yamane, and Paul Frick. Thorsten is the current bandleader and the main creative force of the project, after spending many years under the direct guidance of Froese. In the following interview, he discusses the challenges of continuing such a huge legacy and the present phase of the project.

Imagine what it would be like to live with a prognosis of imminent death. How would you live? How would you parent? How would you eat and exercise? Would you crawl into bed and wait for the end or would you fight? Listen in as we talk to Marissa Froese of Wyndelin Farms in Nova [...]

KGMI's Joe Teehan talks to Amia Froese from Saratoga Commercial Real Estate about the iconic Willows Inn on Lummi Island going up for sale.

At The Command of The Lord - Billy FroeseAt the Lord's command they encamped, and at the Lord's command they set out. They obeyed the Lord's order, in accordance with his command through Moses.- Numbers 9:23

In Gott Sien Gebot - Billy FroeseSoo aus de Har an wiesen deed, loagaden see sikj, un doano aus de Har an wiesen deed, trocken see wieda. Soo jehorchten see waut de Har von an velangd, soo aus hee Moses daut jesajcht haud.- 4 Mose 9:15-23. 

Gayleen Froese returns to share her upcoming novel, The Man Who Lost His Pen. We talk about using setting to shape the story and geek out about languages a bit. We then review seasons 1 & 2 of Only Murders in the Building and share what won our weeks! http://gayleenfroese.com/ http://www.wrotepodcast.com/gayleen-froese/

In this weeks episode, I speak with Leeann Froese, Owner / Brand Strategist / PR Specialist at Town Hall Brands.Leeann Froese has worked to market and publicize companies and individuals from all over the world for nearly three decades and has been named one of 10 Women in PR That Lead, Inspire and Build Successful Brands, by Women in Public Relations North America. With more than 26 years' experience, she loves guiding clients and helping them build brand strategies that bring success. Their victories are hers. As an agency owner and consultant, Leeann is proud to have worked with several companies to assist them with their branding, identity, and story and have produced innumerable projects. She is well known and respected, possesses great relationships, and offers a highly unique skill set as it relates to strategy, marketing, PR, and projects. Leeann loves to address groups— large or small—and is adept at leading projects and client workshops.  Outside of work, Leeann also provides mentorship to professional women in the food, hospitality, and wine industry via her membership with the BC Chapter of Les Dames d'Escoffier, supports the food and beverage industry through her advisory council role with the BC Hospitality Foundation board, and enjoys memberships in the BC Food and Beverage Association and the Canadian Association of Professional Sommeliers British Columbia Chapter.Leeann is a mom and a grandma and her favourite personal pastime is to bird watch.In this episode we discuss:how and why Leeann started her businessworking with your partner in businesshow her brand has changed and evolved over the past 10 yearslessons in owning your own business If you enjoyed this episode, please subscribe, rate, review and share it with a friend who you think might enjoy it too!HostLindsay Dent, Founder & Creative Director of Pink Crown Creative@_lindsaydent & @pinkcrowncreativeGuestLeeann Froese, owner / brand strategist / PR specialist, Town Hall Brands  Instagram - @leeannwine Linkedin Episode ReferencesEpisode ResourcesWe are listed as one of the Top 5 Canadian Women in Business Podcasts - read the full list here.ArtworkRD DesignMusic"Happy Days" by scottholmesmusic.comWishing you Creativity & Love. Thanks for listening! Let's get social!Instagram: @haveyoumetheryetpodcastEmail lindsay@pinkcrowncreative.com for sponsor opportunities, guest appearances or collaborations.

What do you do when your biggest source of revenue is also your biggest source of serious, detrimental stress? Monica Froese found herself in that position 11 years into her career in technology. She was managing $15 million marketing campaigns while unknowingly suffering from postpartum PTSD. “The fear of failure is what holds us back,” says Froese now. “I fail all the time…but here's the thing: when I set my mind to something, I don't fail.” Listen in to her conversation with CoveyClub founder Lesley Jane Seymour to learn how she reinvented her career by becoming an entrepreneur and healing her postpartum trauma, how a visit to the White House inspired her to take action on an important cause, and her advice for navigating your own career reinvention.   FREE GIFT! Let CoveyClub support your 2023 goals with our 2023 Intention-Setting Workbook! Connect with Monica: Website Instagram A special gift from Monica! Visit http://monicafroese.com/reinventyourself for the latest updates, downloadable content, and more   Connect with Lesley Jane Seymour & CoveyClub: Website Instagram LinkedIn Join CoveyClub

Wayne Goodman in conversation with Gayleen Froese, singer-songwriter who lives in Edmonton, Alberta

Bro. Paul, Bro. Avery, and Bro. Jonathan walk listeners through a 4 week series on the book of Nehemiah. Check us out on social media: Facebook – https://www.facebook.com/theapcblm Instagram – https://www.instagram.com/the_apc Website – https://www.theapc.org Have a prayer request? We'd love to pray for you! https://apostolicpentecostalchurch.updates.church/# Subscribe to our channel and click the notification bell to get alerts on live or posted videos! www.youtube.com/c/ApostolicPentecostalChurch #pentecostal #upci #pentecostalteaching

Bro. Paul, Bro. Avery, and Bro. Jonathan walk listeners through a 4 week series on the book of Nehemiah. Check us out on social media: Facebook – https://www.facebook.com/theapcblm Instagram – https://www.instagram.com/the_apc Website – https://www.theapc.org Have a prayer request? We'd love to pray for you! https://apostolicpentecostalchurch.updates.church/# Subscribe to our channel and click the notification bell to get alerts on live or posted videos! www.youtube.com/c/ApostolicPentecostalChurch #pentecostal #upci #pentecostalteaching

Gayleen Froese shares her novel, The Girl Whose Luck Ran Out, which leads to talk about the disparity between the way M/M vs M/F romances are viewed in detective novels, and the importance of authentic locations. Then M.D. Neu joins us to review Christmas at the Ranch!

This week on the show we welcome Kyle Froese, we talk about growing up surrounded by ice, transitioning from the college game to pro, pursuing through injuries, and coaching after your hockey career. --- Send in a voice message: https://anchor.fm/faceoffspot/message Support this podcast: https://anchor.fm/faceoffspot/support

Send us a Text Message.Victories come in all shapes and sizes. Join along as we welcome Dr. Emily McRoberts Froese and honor her journey and victories fighting cancer. Dr. Froese shares her personal fears discussing her cancer diagnosis in her male-dominated organization. Listen along as she shares her motivations, rediscovering simple pleasures, and fills her cup of gratitude to fight.-Music: Blue Dream - CheelSupport by RFM - NCM: https://bit.ly/2xGHypM-Support the Show.‐-----------------------Letmeinterrupt.com Email: Letmeinterruptseries@gmail.com Instagram: https://www.instagram.com/letmeinterruptseries/More: https://bio.site/LMI

Mysterious emails from beyond the grave cause both concern and comfort for those who have received them.More Ghost Town: https://www.ghosttownpod.comSupport the show: https://www.patreon.com/ghosttownpodInstagram: https;//www.instagram.com/ghosttownpodSources: https://bit.ly/3QLJkcP Learn more about your ad choices. Visit podcastchoices.com/adchoices Hosted on Acast. See acast.com/privacy for more information.

Mysterious emails from beyond the grave cause both concern and comfort for those who have received them. More Ghost Town: https://www.ghosttownpod.com Support the show: https://www.patreon.com/ghosttownpod Instagram: https;//www.instagram.com/ghosttownpod Sources: https://bit.ly/3QLJkcP Learn more about your ad choices. Visit podcastchoices.com/adchoices

Have you ever experienced an unexpected setback that took you into a dark place? In this episode, Liz speaks to JT where he opens up about the setback he recently had and how he's overcoming that tough season of life. With a newfound focus on healthy living, JT has goals he's never had before and is doing things he never thought he'd do!Connect with JT on Instagram: @jt_froeseConnect with Liz on Instagram: @lizdodson_Support the show

Experts recently gathered in Yukon to learn about the rapidly melting permafrost. As part of The Current's visit to Yukon, Matt Galloway goes on a field trip with Duane Froese to see the melting ice and find out the many implications of the thaw. Froese is a professor in the department of Earth and Atmospheric Sciences at the University of Alberta.

Messages from a recently deceased individual are circulating among family members. Is someone playing tricks on them or is Jack Froese really behind the emails? And the most important question of all: Are ghosts real?! Learn more about your ad choices. Visit megaphone.fm/adchoices

This week I catch up with Rob Froese founder of FRIEND CLUB RECORDS. Rob started FRC with the goal of creating a home for artists where they can be themselves. In a brief period of time FCR has grown leaps and bounds with the dedication of Rob and his team. Rob's telling of the FCR story has  some great tips for those thinking of getting into the business of curating great music. This episode is the true story of someone that loves music for what it brings them and what it gives to others. I shouldn't have to say it, but that means Rob and I have a lot in common, and it comes through in this show. Join Rob and I as we quickly join our own exclusive group, The "Friend” Club!!!!!!!!!!Find all the amazing music from FCR here: friendclubrecords.com

Connect with Tom: https://Tomfroese.com/creativesignite Teaching: https://Tomfroese.com/teaching Instagram: @mrtomfroese https://instagram.com/mrtomfroese YouTube: https://youtube.com/tomfroese I love Tom's style, his detail, his simple shapes, his shading, really it is super super exciting for me to meet Tom. I literally ripped out some of Tom's work from a magazine about 5 years ago and taped it to my wall. You can always join us for the live taping experience and be part of the community. Come a little early and introduce yourself in the chat, tell us where you are located in the world and say hey! _______________________ Follow Creatives Ignite: Our website: www.rechargingyou.com Find full show notes at: https://rechargingyou.com/the-life-of-an-illustrator-with-tom-froese/ Connect on Instagram @CreativesIgnite & Twitter: @creativesignite Linked In: LinkedIn.com/company/creatives-ignite Or email me at diane [at] rechargingyou.com Creatives Ignite helps solopreneurs like you by providing workshops, coaching, and a community. Our mission is to encourage & connect creative entrepreneurs so no one ever feels alone on their entrepreneurial journey. Creatives Ignite helps creative entrepreneurs like you to niche down, get focused, uncover and utilize their strengths and superpowers, helping you reach your business and creative goals. Join us live each week and become part of the Creatives Ignite Family, subscribe and get the link to come to the live recording. Sign up at http://www.rechargingyou.com The Accelerant Group Program: At Recharging You, we know that you want to be a focused, confident entrepreneur with clear direction. In order to do that, you need to get out of your head and learn from other creative entrepreneurs. The problem is you're a solopreneur with limited knowledge and experience on what your next steps need to be which makes you feel uncertain and alone. I believe every entrepreneur should be supported, challenged, and encouraged as they grow their business. I understand how overwhelming and demanding building a creative business can be because I have been growing my business for over 20 years. Find out more. So you can stop being stuck and doubting your value and your decisions and instead start seeing growth in your mindset and in your business. www.rechargingyou.com/coaching/powerstation Leave a Review & Share with Your Friends One of the best ways to support the channel and podcast is to leave a review on iTunes or Google Play or where ever you get your podcasts. Subscribe to the channel, leave a comment on an episode that you watch and of course share it with your friends. ELEMENTOR: http://bit.ly/elementordiane FLODESK: email service: 50% off your first month https://flodesk.com/c/DESIGNRECHARGE Flodesk costs $39/month no matter how many subscribers you have. That's amazing for users who have large lists! While Flodesk is still young and working through some growing pains, you can sign up through my affiliate link below for just $19/mo! ENVATO: http://bit.ly/envatoDR TIMELY: http://bit.ly/drtimely 10% off your subscription AUDIBLE: http://www.audibletrial.com/RechargingYou 1 free audio book SKILLSHARE: http://bit.ly/dianegibbs 2 months free premium membership Disclosure: Some of the links in this post are 'affiliate links.' This means if you click on the link and purchase the item, I will receive an affiliate commission.

In this episode, we talk with Ryan Schefke and Brad Froese about new ways to increase engagement at events. Ryan Schefke is the Founder and CEO of Captello, a premier end-to-end lead capture and event engagement software platform.  Brad Froese is a marketing professional with over 20 years of experience in network television, public speaking, magazine publication, non-profit, and SaaS marketing. Here's what you'll hear about in this conversation:  Overcoming the challenges of engagement at events before the pandemic Capturing leads via engagement activations at events Rethinking how to increase engagement at events in the future Mentioned in This Episode Captello Arcade The Event Squad Cast

"I am playing with the edges here...the edges of language, and the edges of how we can learn to fully express what we need to express..." Episode 4 of the Called to be Bad Podcast In this episode I discuss the relationship between Christianity and cussing/swearing/'bad" words (whatever you would like to call them) with guest Allan Rudy-Froese. Allan teaches preaching, biblical storytelling, and performance theory. He is working on a book about swearing and faith. Can you be a "good" Christian and still swear like a sailor? What are the origins of cuss words? What is the line between expressing yourself and offensive language? References: Information on Kristin Linklater: https://www.linklatervoice.com/https://www.thelinklatercenter.com/Follow us for more ✨bad✨ content: Instagram: https://www.instagram.com/calledtobebad_podcast/Facebook: https://www.facebook.com/calledtobebadWebsite: https://calledtobebad.buzzsprout.com/Sponsor of this episode: https://www.arthumorsoul.com/Want to become part of the ✨baddie✨ community? Support us on Patreon: https://www.patreon.com/calledtobebadHave a ✨bad✨ topic you want to talk about on the show? Get in touch with host, Mariah Martin at: calledtobebad@gmail.com #ctbb #podcast #podcastersoffacebook #progressivechristianity #progressiveclergy #pastor #church #badisbeautiful #deconstruction #exvangelical #christian #christianpodcast #spirituality #feminism #christianfeminist #swearing #cussing #badwords #christianity #language #preachingSupport the show (https://www.patreon.com/calledtobebad)

Paul wraps up our Acts Study. All lessons can be found on the APC YouTube Channel.