Podcasts about Greater Toronto Area

Who knows the meaning of the term “Business Continuity management” without looking it up? Our guest this week, Alex Fullick, is intimately familiar with the term and its ramifications. I first met Alex when we were connected as participants in a conference in London this past October sponsored by Business Continuity International. The people involved with “Business Continuity management” were described to me as the “what if people”. They are the people no one pays attention to, but who plan for emergency and unexpected situations and events that especially can cause interruptions with the flow or continuity of business. Of course, everyone wants the services of the business continuity experts once something unforeseen or horrific occurs. Alex was assigned to introduce me at the conference. Since the conference I have even had the pleasure to appear on his podcast and now, he agreed to reciprocate.   Our conversation covers many topics related to emergencies, business continuity and the mindsets people really have concerning business flow and even fear. Needless to say, this topic interests me since I directly participated in the greatest business interruption event we have faced in the world, the terrorist attacks on September 11, 2001.   Alex freely discusses fear, emergency planning and how we all can improve our chances of dealing with any kind of emergency, personal or business related, by developing the proper mindset. He points out how so often people may well plan for emergencies at work and sometimes they even take the step of developing their own business continuity mindset, but they rarely do the same for their personal lives.   Alex is the author of eight books on the subject and he now is working on book 9. You can learn more about them in our podcast show notes. I think you will gain a lot of insight from what Alex has to say and I hope his thoughts and comments will help you as you think more now about the whole idea of business continuity.       About the Guest:   Alex Fullick has been working in the Business Continuity Management, Disaster Recovery, and Operational Resilience industries as a consultant/contractor for just over 28 years. Alex is also the founder and Managing Director of StoneRoad, a consulting and training firm specializing in BCM and Resilience and is the author of eight books…and working on number nine.   He has numerous industry certifications and has presented at prestigious conferences around the globe including Manila, Seoul, Bucharest, Brisbane, Toronto, and London (to name a few). In July of 2017 he created the highly successful and top-rated podcast focusing on Business Continuity and Resilience ‘Preparing for the Unexpected'. The show aims to touch on any subject that directly or indirectly touches on the world of disasters, crises, well-being, continuity management, and resilience. The first of its kind in the BCM and Resilience world and is still going strong after thirty plus seasons, reaching an audience around the globe. Alex was born in England but now calls the city of Guelph, Ontario, Canada, his home. Ways to connect Alex:   www.linkedin.com/in/alex-fullick-826a694   About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes:   Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:21 Well, hello, everyone, wherever you happen to be, welcome to another episode of unstoppable mindset where inclusion, diversity and the unexpected meet and unexpected is anything that has nothing to do with inclusion or diversity. As I've said many times today, our guest is someone I got to meet last year, and we'll talk about that. His name is Alex Bullock, and Alex and I met because we both attended a conference in London in October about business continuity. And I'm going to let Alex define that and describe what that is all about. But Alex introduced me at the conference, and among other things, I convinced him that he had to come on unstoppable mindset. And so we get to do that today. He says he's nervous. So you know, all I gotta say is just keep staring at your screens and your speakers and and just keep him nervous. Keep him on edge. Alex, welcome to unstoppable mindset. We're really glad you're   Alex Fullick ** 02:19 here. Thanks, Michael. I really appreciate the invite, and I'm glad to be here today. And yeah, a little nervous, because usually it's me on the other side of the microphone interviewing people. So I don't fit in this chair too often   Michael Hingson ** 02:33 I've been there and done that as I recall, yes,   Alex Fullick ** 02:37 yes, you were a guest of mine. Oh, I guess when did we do that show? A month and a half, two months ago? Or something, at least,   Michael Hingson ** 02:45 I forget, yeah. And I said the only charge for me coming on your podcast was you had to come on this one. So there you go. Here I am. Yeah, several people ask me, Is there a charge for coming on your podcast? And I have just never done that. I've never felt that I should charge somebody to come on the podcast, other than we do have the one rule, which is, you gotta have fun. If you can't have fun, then there's no sense being on the podcast. So, you know, that works out. Well, tell us about the early Alex, growing up and, you know, all that sort of stuff, so that people get to know you a little bit.   Alex Fullick ** 03:16 Oh, the early Alex, sure. The early Alex, okay, well, a lot of people don't know I was actually born in England myself, uh, Farnam Surrey, southwest of London, so until I was about eight, and then we came to Canada. Grew up in Thunder Bay, Northwestern Ontario, and then moved to the Greater Toronto Area, and I've lived all around here, north of the city, right downtown in the city, and now I live an hour west of it, in a city called Guelph. So that's how I got here. Younger me was typical, I guess, nothing   Michael Hingson ** 03:56 special. Went to school, high school and all that sort of stuff. Yeah, yeah, no.   Alex Fullick ** 04:02 Brainiac. I was working my first job was in hospitality, and I thought that's where I was going to be for a long time, because I worked my way up to I did all the positions, kitchen manager, Assistant Manager, cooks, bartender, server, did everything in there was even a company trainer at one point for a restaurant chain, and then did some general managing. But I got to a point where computers were going to start coming in to the industry, and I thought, well, I guess I should learn how to use these things, shouldn't I? And I went to school, learned how to use them, basic using, I'm not talking about building computers and networks and things like that, just the user side of things. And that was, did that for six months, and then I thought I was going back into the industry. And no fate had. Something different for me. What happened? Well, my best friend, who is still my best friend, 30 years later, he was working for a large financial institution, and he said, Hey, we need some help on this big program to build some call trees. When you're finished, he goes, get your foot in the door, and you could find something else within the bank. So I went, Okay, fine. Well, they called the position business recovery planner, and I knew absolutely nothing about business recovery or business continuity. Not a single thing. I'd never even heard the term yeah and but for some reason, I just took to it. I don't know what it was at the time, but I just went, this is kind of neat. And I think it was the fact that I was learning something different, you know, I wasn't memorizing a recipe for Alfredo sauce or something like that, you know, it was completely different. And I was meeting and working with people at every level, sitting in meetings with senior vice presidents and CEOs and giving them updates, and, you know, a data analyst, data entry clerk, and just talking. And I went, This is so much fun, you know, and that's I've been doing that now for over 28 years.   Michael Hingson ** 06:14 Well, I I had not really heard much of the term business continuity, although I understand emergency preparedness and such things, because I did that, of course, going into the World Trade Center, and I did it for, well, partly to be prepared for an emergency, but also partly because I was a leader of an office, and I felt that I needed to know What to do if there were ever an emergency, and how to behave, because I couldn't necessarily rely on other people, and also, in reality, I might even be the only person in the office. So it was a survival issue to a degree, but I learned what to do. And of course, we know the history of September 11 and me and all that, but the reality is that what I realized many years later was that the knowledge that I learned and gained that helped me on September 11 really created a mindset that allowed me to be able to function and not be as I Put it to people blinded or paralyzed by fear, the fear was there. I would be dumb to say I wasn't concerned, but the fear helped me focus, as opposed to being something that overwhelmed and completely blocked me from being capable and being able to function. So I know what you're saying. Well, what exactly is business continuity?   Alex Fullick ** 07:44 You know, there are people who are going to watch this and listen and they're going to want me to give a really perfect definition, but depending on the organization, depending on leadership, depending on the guiding industry organization out there, business continuity, Institute, Disaster Recovery Institute, ISO NIST and so many other groups out there. I'm not going to quote any of them as a definition, because if I if I say one the others, are going to be mad at me, yell at you, yeah, yeah. Or if I quote it wrong, they'll get mad at me. So I'm going to explain it the way I usually do it to people when I'm talking in the dog park, yeah, when they ask what I'm doing, I'll say Business Continuity Management is, how do you keep your business going? What do you need? Who do you need the resources when you've been hit by an event and and with the least impact to your customers and your delivery of services, yeah, and it's simple, they all get it. They all understand it. So if anyone doesn't like that, please feel free send me an email. I can hit the delete key just as fast as you can write it. So you know, but that's what a lot of people understand, and that's really what business continuity management is, right from the very beginning when you identify something, all the way to why we made it through, we're done. The incident's over.   Michael Hingson ** 09:16 Both worked with at the Business Continuity international hybrid convention in October was Sergio Garcia, who kind of coordinated things. And I think it was he who I asked, what, what is it that you do? What's the purpose of all of the people getting together and having this conference? And he said, I think it was he who said it not you, that the the best way to think about it is that the people who go to this conference are the what if people, they're the ones who have to think about having an event, and what happens if there's an event, and how do you deal with it? But so the what if people, they're the people that nobody ever pays any attention to until such time as there is something that. Happens, and then they're in high demand.   Alex Fullick ** 10:03 Yeah, that that's especially that being ignored part until something happened. Yeah, yeah. Well, well, the nice thing, one of the things I love about this position, and I've been doing it like I said, for 28 years, written books, podcasts, you've been on my show, YouTube channel, etc, etc, is that I do get to learn and from so many people and show the value of what we do, and I'm in a position to reach out and talk to so many different people, like I mentioned earlier. You know, CEOs. I can sit in front of the CEO and tell them you're not ready. If something happens, you're not ready because you haven't attended any training, or your team hasn't attended training, or nobody's contributing to crisis management or the business continuity or whatever you want to talk about. And I find that empowering, and it's amazing to sit there and not tell a CEO to their face, you know you're screwed. Not. You know, you don't say those kinds of things. No, but being able to sit there and just have a moment with them to to say that, however you term it, you might have a good relationship with them where you can't say that for all I know, but it being able to sit in front of a CEO or a vice president and say, hey, you know, this is where things are. This is where I need your help. You know, I don't think a lot of people get that luxury to be able to do it. And I'm lucky enough that I've worked with a lot of clients where I can't. This is where I need your help. You know. What's your expectation? Let's make it happen, you know, and having that behind you is it's kind of empowering,   Michael Hingson ** 11:47 yeah, well, one of the things that I have start talking a little bit about with people when talk about emergency preparedness is, if you're really going to talk about being prepared for an emergency. One of the things that you need to do is recognize that probably the biggest part of emergency preparedness, or business continuity, however you want to term, it, isn't physical it's the mental preparation that you need to make that people generally don't make. You know, I've been watching for the last now, five or six weeks, all the flyers and things down here in California, which have been so horrible, and people talk about being prepared physically. You should have a go bag so that you can grab it and go. You should do this. You should do that. But the problem is nobody ever talks about or or helps people really deal with the mental preparation for something unexpected. And I'm going to, I'm going to put it that way, as opposed to saying something negative, because it could be a positive thing. But the bottom line is, we don't really learn to prepare ourselves for unexpected things that happen in our lives and how to react to them, and so especially when it's a negative thing, the fear just completely overwhelms us.   Alex Fullick ** 13:09 Yeah, I agree with you. You know, fear can be what's that to fight, flight or freeze? Yeah, and a lot of people don't know how to respond when an event happens. And I think I'm going to take a step back, and I think that goes back to when we're young as well, because we have our parents, our grandparents, our teachers, our principals. You know, you can go achieve your goals, like everything is positive. You can go do that. Go do that. They don't teach you that, yeah, to achieve those goals, you're going to hit some roadblocks, and you need to understand how to deal with that when things occur. And use your example with the fires in California. If you don't know how to prepare for some of those small things, then when a big fire like that occurs, you're even less prepared. I have no idea how to deal with that, and it is. It's a really change in mindset and understanding that not everything is rosy. And unfortunately, a lot of people get told, or they get told, Oh, don't worry about it. It'll never happen. So great when it does happen. Well, then was that advice?   Michael Hingson ** 14:25 Yeah, I remember after September 11, a couple of months after, I called somebody who had expressed an interest in purchasing some tape backup products for from us at Quantum. And I hadn't heard from them, and so I reached out, and I said, So what's going on? How would you guys like to proceed? And this was an IT guy, and he said, Oh, well, the president of the company said September 11 happened, and so since they did, we're not going to have to worry about that anymore. So we're not going to go forward. Or worth doing anything to back up our data, and I'm sitting there going, you missed the whole point of what backup is all about. I didn't dare say that to him, but it isn't just about an emergency, but it's also about, what if you accidentally delete a file? Do you have a way to go back and get it? I mean, there's so many other parts to it, but this guy's boss just basically said, Well, it happened, so it's not going to happen now we don't have to worry about it. Yeah,   Alex Fullick ** 15:27 like you hear on the news. Well, it feels like daily, oh, once in 100 year storm, once in 100 year event, once in 100 year this. Well, take a look at the news. It's happening weekly, daily, yeah, yeah. One in 100   Michael Hingson ** 15:44 years thing, yeah. Nowadays, absolutely, there's so many things that are happening. California is going through a couple of major atmospheric rivers right now, as they're now calling it. And so Southern California is getting a lot of rain because of of one of the rivers, and of course, it has all the burn areas from the fires. So I don't know what we'll see in the way of mudslides, but the rain is picking up. Even here, where I live, we're going to get an inch or more of rain, and usually we don't get the rain that a lot of other places get. The clouds have to go over a lot of mountains to get to us, and they lose their moisture before they do that. Yeah,   Alex Fullick ** 16:23 yeah. We just had a whole pile of snow here. So we had a snowstorm yesterday. So we've got about 20 centimeters of snow out there that hasn't been plowed yet. So bit of   Michael Hingson ** 16:36 a mess. There you go. Well, you know, go out and play on the snow. Well,   Alex Fullick ** 16:41 the dog loves it, that's for sure. Like troubling it, but, yeah,   Michael Hingson ** 16:46 I don't think my cat would like it, but the animal would like it. He'd go out and play in it. If it were here, we don't get much snow here, but Yeah, he'd play it. But, but it is. It is so interesting to really talk about this whole issue of of business continuity, emergency preparedness, whatever you want to consider it, because it's it's more than anything. It's a mindset, and it is something that people should learn to do in their lives in general, because it would help people be a lot more prepared. If people really created a mindset in themselves about dealing with unexpected things, probably they'd be a little bit more prepared physically for an emergency, but they would certainly be in a lot better shape to deal with something as like the fires are approaching, but they don't, but we don't do that. We don't teach that.   Alex Fullick ** 17:43 No, we it's interesting too, that a lot of those people, they'll work on projects in their organization, you know, and they will look at things well, what can go wrong, you know, and try to mitigate it and fix, you know, whatever issues are in the way or remove roadblocks. They're actually doing that as part of their project. But when it comes to themselves, and they have to think about fires or something like that, is now that won't happen, you know. And wait a minute, how come you've got the right mindset when it comes to your projects at work, but you don't have that same mindset when it comes to your own well being, or your families, or whatever the case may be. How come it's different? You go from one side to the other and it I've noticed that a few times with people and like, I don't get it. Why? Why are you so you have the right mindset under one circumstance and the other circumstance, you completely ignore it and don't have the mindset,   Michael Hingson ** 18:45 yeah, which, which makes you wonder, how much of a mindset Do you really have when it comes to work in all aspects of it? And so one of the things that I remember after September 11, people constantly asked me is, who helped you down the stairs, or was there somebody who was responsible for coming to get you, to take you downstairs and and the reality is, as I said, I was the leader. I was helping other people go downstairs. But by the same token, I'm of the opinion that in buildings like the World Trade Center towers, there is people talk about the buddy system. So if somebody is is in the building, you should have a buddy. And it doesn't even need to be necessarily, in the same office, but there should be an arrangement so that there is somebody looking out for each each other person. So everybody should have a buddy. I'm of the opinion it isn't a buddy. There should be two buddies, and at least one of them has to be outside of the office, so that you have three people who have to communicate and develop those lines of communications and work through it. And by that way, you you have a. Better chance of making sure that more people get whatever communications are necessary.   Alex Fullick ** 20:06 Yeah, you create your like a support network, absolutely,   Michael Hingson ** 20:10 and I think at least a triumvirate makes a lot more sense than just a buddy. Yeah,   Alex Fullick ** 20:14 you you might be freaked out, you know, nervous shaking, but with a couple of people standing there, you know, talking to you, you're going to come right back hopefully. You know, with that, the calmer, you know, stop shaking when a couple of people are there. Yeah, you a lot of times when you have the same one person doing it, usually, oh, you're just saying that because you have to. But when you two people doing it, it's like, okay, thank thanks team. You know, like you're really helping. You know, this is much better.   Michael Hingson ** 20:48 Yeah, I think it makes a lot more sense, and especially if one of them isn't necessarily a person who's normally in your work pattern that brings somebody in from someone with the outside who approaches things differently because they don't necessarily know you or as well or in the same way as your buddy who's maybe next door to you in the office, right across the hall or next door, or whatever. Yeah, yeah. I agree. I think it makes sense well, the conference that we were at a lot to well, to a large degree, and at least for my presentation, was all about resilience. What is resilience to you? How's that for a general question that   Alex Fullick ** 21:31 has become such a buzzword, I know it   Michael Hingson ** 21:35 really is, and it's unfortunate, because when, when we start hearing, you know, resilience, or I hear all the time amazing and so many times we get all these buzzwords, and they they really lose a lot of their value when that happens. But still, that's a fair question. I   Alex Fullick ** 21:53 do think the word resilience is overused, and it's losing its meaning. You know, dictionary meaning, because it's just used for everything these days. Yeah, you know, my neighbor left her keys. Sorry. Her daughter took her house keys this morning by accident. She couldn't get into her house when she got him back, and she had a comment where she said, you know, oh, well, I'm resilient, but really, you just went and got some Keith, how was that so? So I'm, I'm starting to get to the point now, when people ask me, you know, what's resilience to you? What's it mean to you? I just, I start to say, Now, does it matter? Yeah, my definition is fine for me, if you have a definition of it for yourself that you understand you you know what it means, or your organization has a definition, we'll take it and run. Yeah, you know what it means. You're all behind that. Meaning. We don't need a vendor or some other guiding industry organization to say this is, this must be your definition of resilience. It's like, well, no, you're just wordsmithing and making it sound fancy. You know, do it means what it means to you? You know, how, how do you define it? If that's how you define it, that's what it means, and that's all that matters. My definition doesn't matter. Nobody else's definition matters, you know, because, and it's become that way because the term used, you know, for everything these days. Yeah, I   Michael Hingson ** 23:30 think that there's a lot of value in if a person is, if we use the dictionary definition, resilient, they they Well, again, from my definition, it gets back to the mindset you establish. You establish a mindset where you can be flexible, where you can adapt, and where you can sometimes think outside the box that you would normally think out of, but you don't panic to do that. You've learned how to address different things and be able to focus, to develop what you need to do to accomplish, whatever you need to accomplish at any unexpected time.   Alex Fullick ** 24:06 Yeah, and you're calm, level headed, you know, you've got that right mindset. You don't freak out over the small things, you know, you see the bigger picture. You understand it. You know, I'm here. That's where I need to go, and that's where you focus and, you know, sweat all those little things, you know. And I think, I think it's, it's kind of reminds me that the definitions that are being thrown out there now reminds me of some of those mission and vision statements that leadership comes up with in their organizations, with all this, oh, that, you know, you read the sentence and it makes no sense whatsoever, yeah, you know, like, what?   Michael Hingson ** 24:45 What's so, what's the wackiest definition of resilience that you can think of that you've heard?   Alex Fullick ** 24:51 Um, I don't know if there's a wacky one or an unusual one. Um, oh, geez. I. I know I've heard definitions of bounce forward, bounce back, you know, agility, adaptability. Well, your   Michael Hingson ** 25:07 car keys, lady this morning, your house key, your house key, lady this morning, the same thing, yeah, yeah. I don't resilient just because she got her keys back. Yeah, really, yeah. Well,   Alex Fullick ** 25:17 that's kind of a wacky example. Yeah, of one, but I don't think there's, I've heard any weird definitions yet. I'm sure that's probably some out there coming. Yeah, we'll get to the point where, how the heck did are you defining resilience with that? Yeah? And if you're looking at from that way, then yeah, my neighbor with the keys that would fit in right there. That's not resilient. You just went and picked up some keys.   Michael Hingson ** 25:45 Yeah. Where's the resilience? How did you adapt? You the resilience might be if you didn't, the resilience might be if you didn't panic, although I'm sure that didn't happen. But that would, that would lean toward the concept of resilience. If you didn't panic and just went, Well, I I'll go get them. Everything will be fine, but that's not what people do,   Alex Fullick ** 26:08 yeah? Well, that that is what she did, actually. She just as I was shoveling snow this morning, she goes, Oh, well, I'll just go get her, get them, okay, yeah. Does that really mean resilience, or Does that just mean you went to pick up the keys that your daughter accidentally took   Michael Hingson ** 26:24 and and you stayed reasonably level headed about it,   Alex Fullick ** 26:28 you know, you know. So, you know, I don't know, yeah, if, if I would count that as a definition of resilience, but, or even I agree resilience, it's more of okay, yeah, yeah. If, if it's something like that, then that must mean I'm resilient when I forget to pull the laundry out after the buzzer. Oh yeah, I gotta pull the laundry out. Did that make me resilient? Yeah,   Michael Hingson ** 26:52 absolutely, once you pulled it out, you weren't resilient, not until then,   Alex Fullick ** 26:57 you know. So, so I guess it's you know, how people but then it comes down to how people want to define it too. Yeah, if they're happy with that definition, well, if it makes you happy, I'm not going to tell you to change   Michael Hingson ** 27:11 it. Yeah, has but, but I think ultimately there are some some basic standards that get back to what we talked about earlier, which is establishing a mindset and being able to deal with things that come out of the ordinary well, and you're in an industry that, by and large, is probably viewed as pretty negative, you're always anticipating the emergencies and and all the unexpected horrible things that can happen, the what if people again, but that's that's got to be, from a mindset standpoint, a little bit tough to deal with it. You're always dealing with this negative industry. How do you do that? You're resilient, I know. But anyway, yeah,   Alex Fullick ** 27:56 really, I just look at it from a risk perspective. Oh, could that happen to us? You know, no, it wouldn't, you know, we're we're in the middle of a Canadian Shield, or at least where I am. We're in the middle of Canadian Shield. There's not going to be two plates rubbing against each other and having an earthquake. So I just look at it from risk where we are, snowstorms, yep, that could hit us and has. What do we do? Okay, well, we close our facility, we have everyone work from home, you know, etc, etc. So I don't look at it from the perspective of doom and gloom. I look at it more of opportunity to make us better at what we do and how we prepare and how we respond and how we overcome, you know, situations that happen out there, and I don't look at it from the oh, here comes, you know, the disaster guy you know, always pointing out everything that's wrong. You know, I'd rather point out opportunities that we have to become as a team, organization or a person stronger. Yeah,   Michael Hingson ** 29:01 I guess it's not necessarily a disaster. And as I said earlier, it could very well be that some unexpected thing will happen that could be a very positive thing. But again, if we don't have the mindset to deal with that, then we don't and the reality is, the more that we work to develop a mindset to deal with unexpected things, the more quickly we can make a correct analysis of whatever is going on and move forward from it, as opposed to letting fear again overwhelm us, we can if we practice creating This mindset that says we really understand how to deal with unexpected situations, then we are in a position to be able to the more we practice it, deal with it, and move forward in a positive way. So it doesn't need to be a disaster. September 11 was a disaster by any standard, but as I tell people. People. While I am still convinced that no matter what anyone might think, we couldn't figure out that September 11 was going to happen, I'm not convinced that even if all the agencies communicated, they would have gotten it because and I talk about trust and teamwork a lot, as I point out, a team of 19 people kept their mouth shut, or a few more who were helping in the planning of it, and they pulled off something that basically brought the world to its knees. So I'm not convinced that we could have stopped September 11 from happening. At least I haven't heard something that convinces me of that yet. But what each of us has the ability to do is to determine how we deal with September 11. So we couldn't prevent it, but we can certainly all deal with or address the issue of, how do we deal with it going forward? Yeah,   Alex Fullick ** 30:52 I agree. I I was actually in a conversation with my niece a couple of months ago. We were up at the cottage, and she was talking about school, and, you know, some of the people that she goes to school with, and I said, Well, you're never going to be able to change other people. You know, what they think or what they do. I said, what you can control is your response. You know, if, if they're always picking on you, the reason they're picking on you is because they know they can get a rise out of you. They know they it. Whatever they're saying or doing is getting to you, so they're going to keep doing it because it's empowering for them. But you can take away that empowerment if you make the right choices on how you respond, if you just shrug and walk away. I'm simplifying it, of course, yeah, if you just shrug and walk away. Well, after a while, they're going to realize nothing I'm saying is getting through, and they'll move away from you. They'll they won't bug you anymore, because they can't get a rise out. They can't get a rise out of you. So the only thing you can control is how you respond, you know. And as you keep saying, it's the mindset. Change your mindset from response to, you know, I'm prepared for what this person's going to say, and I'm not going to let it bother me. Yeah?   Michael Hingson ** 32:08 Well, bullying is really all about that. Yeah, people can't bully if you don't let yourself be bullied. Yep, and whether it's social media and so many other things, you can't be bullied if you don't allow it and if you ignore it or move on or get help to deal with the issue if it gets serious enough, but you don't need to approach it from a shame or fear standpoint, or you or you shouldn't anyway, but that's unfortunately, again, all too often. What happens when we see a lot of teenage suicides and so on, because people are letting the bullies get a rise out of them, and the bullies win.   Alex Fullick ** 32:51 Yep, yep. And as I told her, I said, you just mentioned it too. If it gets out of hand or becomes physical, I said, then you have to take action. I don't mean turning around and swinging back. I said, No, step up. Go get someone who is has authority and can do something about it. Yeah, don't, don't run away. Just deal with it differently, you know. And don't, don't start the fight, because then you're just confirming that I'm the bully. I can do this again. Yeah, you're, you're giving them license to do what they want. Yeah, but stand up to them, or tell, depending on the situation, tell someone higher up in authority that can do something and make make a change, but you have to be calm when you do it.   Michael Hingson ** 33:39 I remember when I was at UC Irvine, when I was going to college, my had my first guide dog, Squire. He was a golden retriever, 64 pounds, the most gentle, wonderful dog you could ever imagine. And unfortunately, other students on campus would bring their dogs. It was a very big campus, pretty, in a sense, rural, and there were only about 2700 students. And a bunch of students would bring their dogs to school, and they would just turn the dogs loose, and they go off to class, and then they find their dogs at the end of the day. Unfortunately, some of the dogs developed into a pack, and one day, they decided they were going to come after my guide dog. I think I've told this story a couple times on on this podcast, but what happened was we were walking down a sidewalk, and the dogs were coming up from behind, and they were growling and so on. And squire, my guide dog, jerked away from me. I still held his leash, but he jerked out of his harness, out of my hand, and literally jumped up in the air, turned around and came down on all fours, hunkered down and growled at these dogs all in this the well, about a two second time frame, totally shocked the dogs. They just slunked away. Somebody was describing it to me later, and you know, the dog was very deliberate about what he did. Of course, after they left, he comes over and He's wagging his tail. Did I do good or what? But, but he was very deliberate, and it's a lesson to to deal with things. And he never attacked any of the dogs, but he wasn't going to let anything happen to him or me, and that's what loyalty is really all about. But if something had happened and that hadn't worked out the way expected, then I would have had to have gone off and and I, in fact, I did talk to school officials about the fact that these dogs were doing that. And I don't even remember whether anybody did anything, but I know I was also a day or so later going into one of the the buildings. Before he got inside, there was a guy I knew who was in a wheelchair, and another dog did come up and started to try to attack squire, this guy with in the wheelchair, pulled one of the arms off his chair and just lambasted the dog right across the head, made him back up. Yeah, you know. But it was that people shouldn't be doing what they allowed their dog. You know, shouldn't be doing that, but. But the bottom line is, it's still a lesson that you don't let yourself be bullied. Yeah, yep, and there's no need to do that, but it is a it's a pretty fascinating thing to to see and to deal with, but it's all about preparation. And again, if we teach ourselves to think strategically and develop that skill, it becomes just second nature to do it, which is, unfortunately, what we don't learn.   Alex Fullick ** 36:48 Yeah, I didn't know that as a kid, because when I was a little kid and first came to Canada, especially, I was bullied because, well, I had a funny voice.   Michael Hingson ** 36:57 You did? You don't have that anymore, by the way, no,   Alex Fullick ** 37:01 if I, if I'm with my mom or relatives, especially when I'm back in England, words will start coming back. Yeah, there are words that I do say differently, garage or garage, yeah. You know, I hate garage, but garage, yeah, I still say some words like that,   Michael Hingson ** 37:18 or process, as opposed to process.   Alex Fullick ** 37:21 Yeah, so, you know, there's something like that, but as a kid, I was bullied and I there was, was no talk of mindset or how to deal with it. It's either put up with it or, you know, you really couldn't turn to anybody back then, because nobody really knew themselves how to deal with it. Yeah, bullies had always been around. They were always in the playground. So the the mechanisms to deal with it weren't there either. It wasn't till much later that I'm able to to deal with that if someone said some of the things now, right away, I can turn around because I've trained myself to have a different mindset and say that, no, that's unacceptable. You can't talk to that person, or you can't talk to me that way. Yeah, you know, if you say it again, I will, you know, call the police or whatever. Never anything where I'm going to punch you in the chin, you know, or something like that. Never. That doesn't solve anything. No, stand up saying, you know, no, I'm not going to accept that. You know, which is easier now, and maybe that just comes with age or something, I don't know, but back then, no, it was, you know, that that kind of mechanism to deal with it, or finding that inner strength and mindset to do that wasn't there,   Michael Hingson ** 38:43 right? But when you started to work on developing that mindset, the more you worked on it, the easier it became to make it happen. Yep, agreed. And so now it's a way of life, and it's something that I think we all really could learn and should learn. And my book live like a guide dog is really all about that developing that mindset to control fear. And I just think it's so important that we really deal with it. And you know, in this country right now, we've got a government administration that's all about chaos and fear, and unfortunately, not nearly enough people have learned how to deal with that, which is too bad, yep, although,   Alex Fullick ** 39:30 go ahead, I was going to say it's a shame that, you know, some a lot of people haven't learned how to deal with that. Part of it, again, is we don't teach that as well. So sometimes the only thing some people know is fear and bullying, because that's all they've experienced, yeah, either as the bully or being bullied. So they they don't see anything different. So when it happens on a scale, what we see right now it. It's, well, that's normal, yeah, it's not normal, actually. You know, it's not something we should be doing. You know, you should be able to stand up to your bully, or stand up when you see something wrong, you know, and help because it's human nature to want to help other people. You know, there's been so many accidents people falling, or you'll need their snow removed, where I am, and people jump in and help, yeah? You know, without sometimes, a lot of times, they don't even ask. It's like, oh, let me give you a hand,   Michael Hingson ** 40:33 yeah. And we had that when we lived in New Jersey, like snow removal. We had a Boy Scout who started a business, and every year he'd come around and clear everybody's snow. He cleared our snow. He said, I am absolutely happy to do it. We we wanted to pay him for it, but he was, he was great, and we always had a nice, clean driveway. But you know, the other side of this whole issue with the mindset is if we take it in a more positive direction, look at people like Sully Sullenberger, the pilot and the airplane on the Hudson, how he stayed focused. He had developed the mindset and stayed focused so that he could deal with that airplane. That doesn't mean that he wasn't afraid and had concerns, but he was able to do something that was was definitely pretty fantastic, because he kept his cool, yeah,   Alex Fullick ** 41:23 I think he knew, and others in other situations know that if you're freaking out yourself, you're not going to fix the issue, you're going to make it worse. We see that in Hollywood tends to do that a lot. In their movies, there's always a character who's flipping out, you know, panicking, going crazy and making everything worse. Well, that does happen, you know, if you act that way, you're not going to resolve your situation, whatever you find yourself in, you know. And I tell people that in business continuity when we're having meetings, well, we'll figure it out when it happens. No, you don't know how you'll behave. You don't know how you'll respond when, oh, I don't know an active shooter or something. You have no idea when you hear that someone you know just got shot down in the lobby. Are you going to tell me you're going to be calm? You sorry? You know you're going to be calm and just okay, yeah, we can deal with it. No, you're going to get a wave of panic, yeah, or other emotions coming over you, you know. And you have to have that mindset. You can still be panicked and upset and freaked out, or however you want to describe that, but you know, I have to stay in control. I can't let that fear take over, or I'm going to get myself in that situation as well. Yeah, I have to be able to manage it. Okay, what do I have to do? I gotta go hide. You know, I'm not saying you're not sweating, you know, with nervousness like that, but you understand, gotta think beyond this if I want to get out of this situation. You know, I'm going to take these people that are sitting with me, we're going to go lock ourselves in the storage closet, or, you know, whatever, right? But have that wherewithal to be able to understand that and, you know, be be safe, you know, but freaking out, you're only contributing to the situation, and then you end up freaking out other people and getting them panicked. Course, you do. They're not, you know, they don't have the right mindset to deal with issues. And then you've got everyone going in every direction, nobody's helping each other. And then you're creating, you know, bigger issues, and   Michael Hingson ** 43:37 you lose more lives, and you create more catastrophes all the way around. I remember when I was going down the stairs at the World Trade Center, I kept telling Roselle what a good job she was doing, good girl. And I did that for a couple of reasons. The main reason was I wanted her to know that I was okay and I'm not going to be influenced by fear. But I wanted her to feel comfortable what what happened, though, as a result of that, and was a lesson for me. I got contacted several years later one time, specifically when I went to Kansas City to do a speech, and a woman said she wanted to come and hear me because she had come into the stairwell just after, or as we were passing her floor, which was, I think, the 54th floor. Then she said, I heard you just praising your dog and being very calm. And she said, I and other people just decided we're going to follow you down the stairs. And it was, it was a great lesson to understand that staying focused, no matter what the fear level was, really otherwise, staying focused and encouraging was a much more positive thing to do, and today, people still don't imagine how, in a sense, comet was going down the stairs, which doesn't mean that people weren't afraid. But several of us worked to really keep panic out of the stairwell as we were going down. My friend David did he panicked, but then he. He walked a floor below me and started shouting up to me whatever he saw on the stairwell, and that was really for his benefit. He said to have something to do other than thinking about what was going on, because he was getting pretty scared about it. But what David did by shouting up to me was he acted as a focal point for anyone on the stairs who could hear him, and they would hear him say things like, Hey, Mike, I'm at the 43rd floor. All's good here. Everyone who could hear him had someone on the stairs who was focused, sounded calm, and that they could listen to to know that everybody was okay, which was so cool, and   Alex Fullick ** 45:38 that that probably helped them realize, okay, we're in the right direction. We're going the right way. Someone is, you know, sending a positive comments. So if, if we've got, you know, three, if he's three floors below us, we know at least on the next three floors, everything is okay.   Michael Hingson ** 45:56 Well, even if they didn't know where he wasn't right, but even if he they didn't know where he was in relation to them, the fact is, they heard somebody on the stairs saying, I'm okay, yeah, whether he felt it, he did sound it all the way down the stairs. Yeah, and I know that he was panicking, because he did it originally, but he got over that. I snapped at him. I just said, Stop it, David, if Rosell and I can go down these stairs, so can you. And then he did. He focused, and I'm sure that he had to have helped 1000s of people going down the stairs, and helped with his words, keeping them calm.   Alex Fullick ** 46:32 Yeah, yeah. It makes a difference, you know. Like I said earlier, you doesn't mean you're still not afraid. Doesn't mean that, you know, you're not aware of the negative situation around you. It's and you can't change it, but you can change, like I said earlier, you can change how you respond to it. You can be in control that way, right? And that's eventually what, what he did, and you you were, you know, you were controlled going downstairs, you know, with with your guide dog, and with all these people following you, and because of the way you were, like, then they were following you, yeah, and they remained calm. It's like there's someone calling up from below who's safe. I can hear that. I'm listening to Michael. He'll tell his dog how well behaved they are. And he's going down calmly. Okay, you know, I can do this. And they start calming down,   Michael Hingson ** 47:28 yeah, what's the riskiest thing you've ever done? Oh, word. Must have taken a risk somewhere in the world, other than public speaking. Oh, yeah, public speaking.   Alex Fullick ** 47:40 I still get nervous the first minute. I'm still nervous when I go up, but you get used to it after a while. But that first minute, yeah, I'm nervous. Oh, that there's, I have a fear of heights and the so the the two, two things that still surprised me that I did is I climbed the Sydney bridge, Harbor Bridge, and, oh, there's another bridge. Where is it? Is it a Brisbane? They're both in Australia. Anyway. Climb them both and have a fear of heights. But I thought, no, I gotta, I gotta do this. You know, I can't be afraid of this my entire life. And I kept seeing all these people go up there in groups, you know, on tours. And so I said, Okay, I'm going to do this. And I was shaking nervous like crazy, and went, What if I fall off, you know, and there's so many different measures in place for to keep you safe. But that that was risky, you know, for me, it felt risky. I was exhilarated when I did it. Though, would you do it again? Oh, yeah, in a heartbeat. Now, there you go. I'm still afraid of heights, but I would do that again because I just felt fantastic. The other I guess going out and being self employed years ago was another risky thing. I had no idea, you know about incorporating myself, and, you know, submitting taxes, you know, business taxes, and, you know, government documents and all this and that, and invoicing and things like that. I had no idea about that. So that was kind of risky, because I had no idea how long I'd be doing it. Well, I started in what 2007, 2007, I think so, 18 years, yeah, so now it's like, I can't imagine myself not doing it, you know, so I'm but I'm always willing to try something new these days. You know, even starting the podcast seven and a half years ago was risky, right? I had no idea. Nobody was talking about my industry or resilience or business continuity or anything back then, I was the first one doing it, and I'm the longest one doing it. Um, I've outlived a lot of people who thought they could do it. I'm still going. So that started out risky, but now I. Imagine not doing it, yeah, you know. And you know, it's, you know, I guess it's, it's just fun to keep trying new things. You know, I keep growing and, you know, I've got other plans in the works. I can't give anything away, but, you know, I've got other plans to try. And they'll, they'll be risky as well. But it's like,   Michael Hingson ** 50:21 no, let's go for it. Have you ever done skydiving or anything like that? No, I haven't done that. I haven't either. I know some blind people who have, but I just, I've never done that. I wouldn't   Alex Fullick ** 50:32 mind it. It's that might be one of those lines where should I? I'm not sure about this one, you know, but it is something that I I think I wouldn't do it on my own. I think I would have to be one of those people who's connected with someone else, with someone   Michael Hingson ** 50:51 else, and that's usually the way blind people do it, needless to say, but, and that's fine, I just have never done it. I haven't ever had a need to do it, but I know I can sit here and say, I'm not afraid to do it. That is, I could do it if it came along, if there was a need to do it, but I don't. I don't have a great need to make that happen. But you know, I've had enough challenges in my life. As I tell people, I think I learned how to deal with surprises pretty early, because I've been to a lot of cities and like, like Boston used to have a rep of being a very accident prone city. Just the way people drive, I could start to cross the street and suddenly I hear a car coming around the corner, and I have to move one way or the other and draw a conclusion very quickly. Do I back up or do I go forward? Because the car is not doing what it's supposed to do, which is to stop, and I have to deal with that. So I think those kinds of experiences have helped me learn to deal with surprise a little bit too.   Alex Fullick ** 51:52 Yeah, well, with the skydiving, I don't think I'd go out of my way to do it, but exactly came along, I think I would, you know, just for the thrill of saying, I did it,   Michael Hingson ** 52:03 I did it, yeah, I went ice skating once, and I sprained my ankle as we were coming off the ice after being on the ice for three hours. And I haven't gone ice skating again since. I'm not really afraid to, but I don't need to do it. I've done it. I understand what it feels like. Yeah, yeah. So it's okay. Have you had any really significant aha moments in your life, things that just suddenly, something happened and went, Ah, that's that's what that is, or whatever.   Alex Fullick ** 52:30 Well, it does happen at work a lot, dealing with clients and people provide different perspectives, and you just, Oh, that's interesting, though, that happens all the time. Aha moments. Sometimes they're not always good. Aha moments, yeah, like the one I always remember that the most is when I wrote my first book, heads in the sand. I was so proud of it, and, you know, excited and sent off all these letters and marketing material to all the chambers of commerce across Canada, you know, thinking that, you know, everyone's going to want me to speak or present or buy my book. Well, ah, it doesn't happen that way. You know, I got no responses. But that didn't stop me from writing seven more books and working on nine. Now, there you go, but it was that was kind of a negative aha moment so, but I just learned, okay, that's not the way I should be doing that.   Michael Hingson ** 53:34 Put you in your place, but that's fair. I kind   Alex Fullick ** 53:37 of, I laugh at it now, a joke, but you know, aha, things you know, I You never know when they're going to happen.   Michael Hingson ** 53:47 No, that's why they're Aha, yeah.   Alex Fullick ** 53:51 And one of one, I guess another one would have been when I worked out first went out on my own. I had a manager who kept pushing me like, go, go work for yourself. You know this better than a lot of other people. Go, go do this. And I was too nervous. And then I got a phone call from a recruiting agency who was offering me a role to do where I wanted to take this company, but that I was working for full time for that weren't ready to go. They weren't ready yet. And it was kind of an aha moment of, do I stay where I am and maybe not be happy? Or have I just been given an opportunity to go forward? So when I looked at it that way, it did become an aha moment, like, Ah, here's my path forward. Yeah, so, you know. And that was way back in 2007 or or so somewhere around there, you know. So the aha moments can be good. They can be bad, and, you know, but as long as you learn from them, that's exactly   Michael Hingson ** 54:57 right. The that's the neat thing about. Aha moments. You don't expect them, but they're some of the best learning opportunities that you'll ever get.   Alex Fullick ** 55:06 Yeah, yeah, I agree completely, because you never know that. That's the nice thing, and I think that's also part of what I do when I'm working with so many different people of different levels is they all have different experiences. They all have different backgrounds. You they can all be CEOs, but they all come from a different direction and different backgrounds. So they're all going to be offering something new that's going to make you sit there and go, Oh, yeah. And thought of that before,   Michael Hingson ** 55:38 yeah. So that's, that's so cool, yeah,   Alex Fullick ** 55:42 but you have to, you know, be able to listen and pick up on those kind of things.   Michael Hingson ** 55:46 But you've been very successful. What are some of the secrets of success that that that you've discovered, or that you put to use?   Alex Fullick ** 55:55 For me, I'll put it bluntly, shut up and listen.   Michael Hingson ** 55:59 There you are. Yeah. Well, that is so true. That's true. Yeah.   Alex Fullick ** 56:03 I think I've learned more by just using my two ears rather than my one mouth, instead of telling people everything they you should be doing. And you know, this is what I think you should do. And like talking at people, it's so much better just talk with people, and then they'll, even if you're trying to, you know, really, really, really, get them to see your side, they will come onto your side easier and probably better if you let them realize it themselves. So you just listen, and you ask the odd probing question, and eventually comes around, goes, Oh, yeah, I get it. What you mean now by doing this and going, Yeah, that's where I was going. I guess I just wasn't saying it right, you know. And have being humble enough to, you know, even though I, I know I did say it right, maybe I just wasn't saying it right to that person, to that person, yeah, right way. So listening to them, and, you know, I think, is one of the big keys to success for me, it has, you know, and I've learned twice as much that way. And maybe that's why I enjoy answering people on the podcast, is because I ask a couple of questions and then just let people talk,   Michael Hingson ** 57:18 which is what makes it fun. Yeah,   Alex Fullick ** 57:21 yeah. It's sometimes it's fun to just sit there, not say anything, just let someone else do all the talking.   Michael Hingson ** 57:29 What you know your industry is, I would assume, evolved and changed over the years. What are some of the major changes, some of the ways that the industry has evolved. You've been in it a long time, and certainly, business continuity, disaster recovery, whatever you want to call it, has, in some sense, has become a little bit more of a visible thing, although I think people, as both said earlier, ignore it a lot. But how's the industry changed over time?   Alex Fullick ** 57:54 Well, when I started, it was before y 2k, yes, 96 and back then, when I first started, everything was it focused. If your mainframe went down, your computer broke. That's the direction everyone came from. And then it was you added business continuity on top of that. Okay, now, what do we do with our business operations. You know, other things we can do manually while they fix the computer or rebuild the mainframe. And then it went to, okay, well, let's bring in, you know, our help desk. You know, who people call I've got a problem with a computer, and here's our priority and severity. Okay, so we'll get, we'll respond to your query in 12 hours, because it's only one person, but if there's 10 people who have the issue, now it becomes six hours and bringing in those different aspects. So we went from it disaster recovery to business continuity to then bringing in other disciplines and linking to them, like emergency management, crisis management, business continuity, incident management, cyber, information security. Now we've got business continuity management, you know, bringing all these different teams together and now, or at least on some level, not really integrating very well with each other, but just having an awareness of each other, then we've moved to operational resilience, and again, that buzzword where all these teams do have to work together and understand what each other is delivering and the value of each of them. And so it just keeps growing in that direction where it started off with rebuild a mainframe to getting everybody working together to keep your operations going, to keep your partners happy, to keep your customers happy. You know, ensuring life safety is priority number one. When, when I started, life safety was, wasn't really thrown into the business continuity realm that much. It was always the focus on the business. So the these. The sky, the size and scope has gotten a lot bigger and more encompassing of other areas. And I wouldn't necessarily all call that business continuity, you know it, but it is. I see business continuity as a the hub and a wheel, rather than a spoke, to bring all the different teams together to help them understand, you know, hey, here's, here's how you've Incident Management, you know, help desk, service desk, here's how you help the Disaster Recovery Team. Here's how you can help the cyber team. Cyber, here's how you can actually help this team, you know, and being able to understand. And that's where the biggest change of things is going is now, more and more people are understanding how they really need to work together, rather than a silo, which you know, a lot of organizations still do, but it's those walls are starting to come down, because they can understand no One can do it alone. You have to work together with your internal departments, leadership, data analysts, who have to be able to figure out how to rebuild data, or your third parties. We need to talk with them. We have to have a relationship with them our supply chain, and understand where they're going, what they have in place, if we or they experience something. So it's definitely grown in size and scope   Michael Hingson ** 1:01:27 well, and we're seeing enough challenges that I think some people are catching on to the fact that they have to learn to work together, and they have to think in a broader base than they have in the past, and that's probably a good thing. Yeah, well, if, if you had the opportunity, what would you tell the younger Alex?   Alex Fullick ** 1:01:50 Run, run for the hills. Yeah, really, no, seriously, I kind of mentioned a couple of them already. Don't sweat the small things. You know, sometimes, yeah, and I think that comes down to our mindset thing as well. You know, understand your priorities and what's important. If it's not a priority or important, don't sweat it. Don't be afraid to take risks if you if you do your planning, whether it be jumping out of a plane or whatever, you know the first thing you want to do is what safety measures are in place to ensure that my jump will be successful. You know, those kind of things. Once you understand that, then you can make knowledgeable decisions. Don't be afraid to take those risks. And it's one of the big things. It's it's okay to fail, like I said about the book thing where you all those that marketing material I sent out, it's okay to fail. Learn from it. Move on. I can laugh at those kind of things now. You know, for years, I couldn't I was really like, oh my god, what I do wrong? It's like, No, I didn't do anything wrong. It just wasn't the right time. Didn't do it the right way. Okay, fine, move on. You know, you know, don't be afraid to fail. If, if you, if you fail and get up, well then is it really a failure? You learned, you got back up and you kept going. And that's the part of resilience too, right? Yeah, if you trip and fall, you get up and keep going. But if you trip and fall and stay down, well then maybe you are   Michael Hingson ** 1:03:30 failing. That's the failure. I mean, the reality is that it isn't failure if you learn from it and move on. It was something that set you back, but that's okay, yeah,   Alex Fullick ** 1:03:41 my my favorite band, Marillion, has a line in one of their songs rich. Failure isn't about falling down. Failure is staying down. Yeah,   Michael Hingson ** 1:03:50 I would agree with that. Completely agree   Alex Fullick ** 1:03:53 with it. He'll stand by it. W

Sales volumes have collapsed across Canada, and Vancouver is no exception. May 2025 saw just 2,228 sales—down 18.5% from an already slow May last year, and a staggering 30.5% below the 10-year average. This marks the slowest May on record in over 20 years, highlighting just how extreme the slowdown has become. In the pre-sale market, the picture is even bleaker. Vancouver saw only 816 new condo sales in the first quarter of 2025, an 84% drop from the 5,250 sold during the same period in 2022. Meanwhile, in the Greater Toronto Area, April 2025 recorded only 310 new home sales, a shocking 72% drop from the same time last year and an astonishing 89% below the 10-year average—this is the worst April on record for new home sales in the GTA.In the resale market, the GTA is facing a flood of new listings, with active inventory reaching 30,964 in May—a 41.5% jump year-over-year and levels not seen since the 1995 housing downturn that led to decades of price stagnation. New listings surged 14% compared to May 2024, totaling 21,819—the second-busiest May on record. However, with sales unable to keep pace, the sales-to-new-listings ratio plummeted to just 28%, firmly in buyers' territory, where prices typically face downward pressure. Interestingly, despite the surge in inventory, prices in Toronto edged up 0.3% month-over-month to $1,012,800, though they remain 4.5% below last year's levels. Whether this is a sign of a bottom or just a temporary pause in the broader correction remains to be seen.Adding to the uncertainty, the Bank of Canada held its overnight rate steady at 2.75% for the second consecutive meeting, despite core inflation still hovering above 3% on a three-month annualized basis. This decision reflects concerns about slower growth and sticky inflation, which have been exacerbated by trade tensions and tariffs that threaten to prolong a period of stagflation—where growth slows but prices continue to rise. The high cost of borrowing continues to weigh on buyer sentiment and affordability, contributing to the ongoing collapse in sales.In Vancouver, the market is grappling with both a surge in listings and persistently low sales. New listings in May reached 6,640, 4% higher than May 2024 and 9% above the 10-year average, though slightly down from April 2025's peak. Despite this influx of supply, active inventory soared to 16,535—up 26% from a year ago and a massive 46% above the 10-year average—marking an 11-year high for the month. This has given buyers their most extensive selection since July 2014, yet sales volumes remain extremely low, highlighting a deep disconnect between supply and demand. The sales-to-active ratio sits at a meager 14%, indicating a market leaning towards buyers' territory. While the composite Home Price Index (HPI) dipped $7,000 (0.6%) month-over-month to $1,177,100, the median price surprisingly rose for the fourth consecutive month to $985,000, the highest reading this year—suggesting that while high-priced homes might still be selling, the overall market remains fragile. Sellers, especially those receiving offers, need to treat them seriously in this climate, as buyer hesitancy is at a peak. _________________________________ Contact Us To Book Your Private Consultation:

In today's episode of The Brian Crombie Hour, Brian interviews John Pasalis. John is the President of Realosophy Realty, a Toronto real estate brokerage which uses data analysis to advise residential real estate buyers, sellers and investors. As a specialist in real estate data analysis, John's research focuses on unlocking micro trends in the Greater Toronto Area real estate market. His research has been shared with the IMF and cited by the Bank of Canada and CMHC. Additionally, he's a frequent commentator on the Toronto housing market, a real estate consumer and comments on industry issues. John holds a B.Sc. in Economics from the University of Toronto and is a candidate in the Doctorate of Business Administration Program at the University of Toronto and Henley Business School (UK). He discusses what he believes caused our housing bubble/crisis - The Great Sell Off: How Hyper-Capitalization is Driving Canada's Housing Affordability Crisis. Brian concludes his show with his own assessment of our housing crisis, causes and solution. 

Listen to Caleb Park being interviewed by veteran journalist Lorna Dueck. Caleb joined the CBS Board of Governors in 2023 and is a passionate and versatile business leader who thrives on challenges and opportunities. He currently serves as the Manager of Franchise Performance at Tim Hortons, and reviews the financial, business, and operational performance of 76 restaurants in the Greater Toronto Area. In this episode, Caleb shares his unique background of growing up as a new Canadian after immigrating from South Korea, and the impact of that journey in finding faith and how it led him to want to serve Canada in politics and business.Read the transcript: https://biblesociety.ca/transcript-scripture-untangled-s10-ep6---Learn more about the Canadian Bible Society: biblesociety.caHelp people hear God speak: biblesociety.ca/donateConnect with us on Instagram: @canadianbiblesocietyWhether you're well-versed in Scripture or just starting out on your journey, The Bible Course offers a superb overview of the world's best-selling book. This eight-session course will help you grow in your understanding of the Bible. Watch the first session of The Bible Course and learn more at biblecourse.ca. ---Caleb Park joined the CBS Board of Directors in October 2023. With over nine years of work experience across various industries and countries, Caleb is a passionate and versatile leader who thrives on challenges and opportunities. His core competencies include hospitality, consulting, international business, and problem-solving. Currently, Caleb serves as the Manager of Franchise Performance at Tim Hortons, where he acts as a business consultant and coach to franchise owners and their restaurant teams on all aspects of their operations.In his current role, Caleb reviews the financial, business, and operational performance of 76 restaurants in the Greater Toronto Area, identifying opportunities for improvement and collaborating with franchisees and restaurant leadership teams to develop solutions that enhance performance. His responsibilities also include overseeing new restaurant openings, renovation projects, and the rollout of new initiatives that support sales growth. Always eager to learn and explore new possibilities, Caleb helps businesses thrive and grow in Canada and beyond. He holds an Honours iBBA from the Schulich School of Business at York University. Outside of work, he volunteers at C3 Church Toronto and YoungLife.Learn more about Caleb Park: linkedin.com/in/calebpark

Today, we're looking at a warning from TD Bank's chief economist, who says Canada is heading for a recession and forecasted 100,000 jobs could be lost in the country. Plus, President Trump announced the U.S. would be developing a "golden dome" missile defence technology — and apparently Canada is interested in joining in what could be a modernizing of North America's air-defence systems. And finally, a crime wave is whipping through the Greater Toronto Area, but the city's top officials seem to be more concerned with other issues instead of residents' safety.

Welcome to the Durham Region Real Estate Podcast hosted by Paul Indrigo. With over 25 years of expertise in the Durham and Greater Toronto Area property markets, Paul provides listeners with unparalleled insights and analyses. This episode dives into the most current market trends, including property values and average selling times. Discover the strategies and data you need to understand the real estate dynamics in your local one-kilometer zone, ensuring you're informed about the most critical factors affecting your home value. Sign up for exclusive access to detailed reports and stay ahead in the competitive Durham real estate market.

Send us a textIn this episode, we sit down with David Roff, Vice President of Business Development at Cranson Capital, to discuss all things related to raising equity for residential real estate development. David explains the intricate differences between equity and debt in the context of real estate projects, covering various forms of financing such as construction loans, bridge loans, and mezzanine loans. He emphasizes the importance of working with experienced developers due to the complex nature of high-stakes projects. David walks us through the detailed multi-step process that Cranson Capital follows for evaluating projects, the legal structuring involved, and the crucial factors investors consider when raising capital. He also delves into common mistakes developers make and highlights key considerations for successful project financing. With insight into current real estate trends and the impact of government policies on development feasibility, this episode offers invaluable knowledge for both new and seasoned developers.  How To Raise Capital For Real Estate Development?What do investors look for in real estate deals?What is a good IRR for real estate investors?How much equity does a developer need to raiseUnderstanding Equity in Real Estate DevelopmentDeveloper's Experience and Project FeasibilityLegal and Financial StructuringUnderstanding Profit Splits in Real Estate Development. What is a Waterfall?How does CMHC financing work? Common Mistakes in Development ProjectsIndustry Challenges and TrendsTimelines and Processes for Raising CapitalCranson Capital is a boutique investment banking firm based in Toronto, specializing in private real estate investments and private capital markets. The firm provides accredited investors with exclusive access to development opportunities across the Greater Toronto Area and Southern Ontario.For more information, please refer to RealEstateDevelopmentInsights.Com.

In this episode of Girl, You So Random, I have the pleasure of talking with Natasha, a Therapist, Speaker, Comedian, and Author. Natasha has been supporting individuals withtheir mental health for over two decades. Currently, she provides mental health support through her private practice. Once she crossed trying stand-up comedy off her bucket list, Natasha decided she couldn't just do it once and now hasadded comedy to the many hats she wears. She is based in the Greater Toronto Area. FB/IG/LI: @natashaahallidaySpeaking website: www.natashahalliday.comTherapy website: www.emergingresilient.caVocals: Dian Sentino @belifunaFollow me on IG @drhollysfunny

Are you curious about the booming waterfront real estate market in the Greater Toronto Area? Dive into our latest episode as we uncover why waterfront properties are significantly increasing in value, with some homes selling for over $300,000 more than their non-waterfront counterparts. Discover which neighborhoods are topping the charts with the highest price differences and where you can find the most luxurious or cost-effective waterfront homes. Learn about the premium that buyers are willing to pay for proximity and stunning views, and why some downtown areas show a surprising trend where listings with waterfront views can fetch less than those without. Get insights into how market conditions and unique home attributes influence these price dynamics. Whether you're seeking a luxury slice of paradise or a hidden gem, the GTA waterfront real estate market has something for everyone. Tune in and explore more with Paul Indrigo, your trusted Toronto GTA waterfront expert and host of the #1 ranked Real Estate Podcast Show. Order your Waterfront home value report now!

Join guest speaker Jon Thompson as he speaks at our Hackney 11:30am service on Sunday 4th May 2025. Jon Thompson is the Senior Pastor of Sanctus Church, a multi-site church in the Greater Toronto Area where he has been on staff for 27 years. Jon has a Masters of Theological Studies from Tyndale Seminary, Toronto and a Doctorate of Missiology from Fuller Seminary, California. Jon speaks and teaches globally on spiritual conflict, spiritual gifts, spiritual practices & spiritual experiences in the life of the believer and the local church. He also speaks on pastoral leadership and long-term ministry experiences. He is the Author of Convergence, Deliverance and Perseverance. Jon is husband to Joanna and father to three teenagers - Hannah, Emma, and Noah. Head to SAINT.CHURCH to find out more about what we've got going on as a church!

In this episode of Bottom Up Shorts, Norm is joined by Saeed Vahid, a Local Conversation leader from Richmond Hill, Ontario. They talk about how he started the Local Conversation, how the group is collaborating with city officials, and how the expansion of the Greater Toronto Area has affected Richmond Hill. ADDITIONAL SHOW NOTES Strong Richmond Hill (site). Norm Van Eeden Petersman (LinkedIn). Do you know someone who would make for a great Bottom-Up Revolution guest? Let us know here!

In this episode of The Crazy Ex-Wives Club, I sit down with empowerment coach, wellness consultant, and author Danna Giroux—who knows firsthand how rebuilding your life after divorce isn't just about moving on…it's about coming home to yourself.Danna shares how her divorce became the catalyst for rediscovering her strength—physically, mentally, and spiritually. We dig deep into the connection between divorce recovery and wellness, from using meditation to calm the chaos, to the small but mighty food and sleep shifts that rewire resilience from the inside out.We also talk about what happens when we try to numb the pain instead of feel it, and why prioritizing your own healing is the most radical (and necessary) act of self-love. This episode is your gentle reminder that you are worth the care, the calm, and the comeback.

We're in the final week of this federal election campaign and the polls are still showing that Mark Carney's Liberals remain the heavy favourites against Pierre Poilievre's Conservatives. But if the Liberals are in majority territory today, just how much of a cushion do they really have?This week on The Numbers, we delve into the national polling numbers and our (somewhat differing) projections. We also take a look at some local polling in the Greater Toronto Area and on Vancouver Island.Throughout this campaign, we'll have new episodes of The Numbers on Mondays, Thursdays and Saturdays, with the Saturday episodes being exclusively for members of our Patreon. Members will also get to suggest questions for the mailbag portion of our Saturday episodes as well as gain access to our Discord. You can get these exclusives and support our joint project by becoming a member of our Patreon.https://www.patreon.com/c/thenumberspodYou can also watch this episode on YouTube. Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

NBN host Hollay Ghadery is delighted to speak with Toronto area poet Stedmond Pardy about his newest book, Beached Whales (Mosaic Press, 2024). Stedmond Pardy's first book of poems The Pleasures of this Planet Aren't Enough was published by Mosaic Press in 2020 and launched his career as a boundary-pushing literary and poetic voice. His devoted readers can't get enough of his compelling YouTube and Soundcloud spoken-word performances. Stedmond lives by his own dicta: “ An artist is an instrument through which the Universe reveals itself and word poetry is for every man, but soul poetry, alas, is not heavily distributed.” About Stedmond Pardy: STEDMOND PARDY is a self-educated, left-handed poet of mixed ancestry (Newfoundland and St. Kitts/Nevis). Originally from the Mimico area of Toronto, he now resides in Dionysus knows where… He has performed his work around the Greater Toronto Area and has appeared on stages in Montreal and Washington State. About Hollay Ghadery: Hollay Ghadery is an Iranian-Canadian multi-genre writer living in Ontario on Anishinaabe land. She has her MFA in Creative Writing from the University of Guelph. Fuse, her memoir of mixed-race identity and mental health, was released by Guernica Editions in 2021 and won the 2023 Canadian Bookclub Award for Nonfiction/Memoir. Her collection of poetry, Rebellion Box was released by Radiant Press in 2023, and her collection of short fiction, Widow Fantasies, was released with Gordon Hill Press in fall 2024. Her debut novel, The Unraveling of Ou, is due out with Palimpsest Press in 2026, and her children's book, Being with the Birds, with Guernica Editions in 2027. Hollay is the host of the 105.5 FM Bookclub, as well as a co-host on HOWL on CIUT 89.5 FM. She is also a book publicist, the Regional Chair of the League of Canadian Poets and a co-chair of the League's BIPOC committee, as well as the Poet Laureate of Scugog Township. Learn more about Hollay at www.hollayghadery.com. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

NBN host Hollay Ghadery is delighted to speak with Toronto area poet Stedmond Pardy about his newest book, Beached Whales (Mosaic Press, 2024). Stedmond Pardy's first book of poems The Pleasures of this Planet Aren't Enough was published by Mosaic Press in 2020 and launched his career as a boundary-pushing literary and poetic voice. His devoted readers can't get enough of his compelling YouTube and Soundcloud spoken-word performances. Stedmond lives by his own dicta: “ An artist is an instrument through which the Universe reveals itself and word poetry is for every man, but soul poetry, alas, is not heavily distributed.” About Stedmond Pardy: STEDMOND PARDY is a self-educated, left-handed poet of mixed ancestry (Newfoundland and St. Kitts/Nevis). Originally from the Mimico area of Toronto, he now resides in Dionysus knows where… He has performed his work around the Greater Toronto Area and has appeared on stages in Montreal and Washington State. About Hollay Ghadery: Hollay Ghadery is an Iranian-Canadian multi-genre writer living in Ontario on Anishinaabe land. She has her MFA in Creative Writing from the University of Guelph. Fuse, her memoir of mixed-race identity and mental health, was released by Guernica Editions in 2021 and won the 2023 Canadian Bookclub Award for Nonfiction/Memoir. Her collection of poetry, Rebellion Box was released by Radiant Press in 2023, and her collection of short fiction, Widow Fantasies, was released with Gordon Hill Press in fall 2024. Her debut novel, The Unraveling of Ou, is due out with Palimpsest Press in 2026, and her children's book, Being with the Birds, with Guernica Editions in 2027. Hollay is the host of the 105.5 FM Bookclub, as well as a co-host on HOWL on CIUT 89.5 FM. She is also a book publicist, the Regional Chair of the League of Canadian Poets and a co-chair of the League's BIPOC committee, as well as the Poet Laureate of Scugog Township. Learn more about Hollay at www.hollayghadery.com. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/literature

NBN host Hollay Ghadery is delighted to speak with Toronto area poet Stedmond Pardy about his newest book, Beached Whales (Mosaic Press, 2024). Stedmond Pardy's first book of poems The Pleasures of this Planet Aren't Enough was published by Mosaic Press in 2020 and launched his career as a boundary-pushing literary and poetic voice. His devoted readers can't get enough of his compelling YouTube and Soundcloud spoken-word performances. Stedmond lives by his own dicta: “ An artist is an instrument through which the Universe reveals itself and word poetry is for every man, but soul poetry, alas, is not heavily distributed.” About Stedmond Pardy: STEDMOND PARDY is a self-educated, left-handed poet of mixed ancestry (Newfoundland and St. Kitts/Nevis). Originally from the Mimico area of Toronto, he now resides in Dionysus knows where… He has performed his work around the Greater Toronto Area and has appeared on stages in Montreal and Washington State. About Hollay Ghadery: Hollay Ghadery is an Iranian-Canadian multi-genre writer living in Ontario on Anishinaabe land. She has her MFA in Creative Writing from the University of Guelph. Fuse, her memoir of mixed-race identity and mental health, was released by Guernica Editions in 2021 and won the 2023 Canadian Bookclub Award for Nonfiction/Memoir. Her collection of poetry, Rebellion Box was released by Radiant Press in 2023, and her collection of short fiction, Widow Fantasies, was released with Gordon Hill Press in fall 2024. Her debut novel, The Unraveling of Ou, is due out with Palimpsest Press in 2026, and her children's book, Being with the Birds, with Guernica Editions in 2027. Hollay is the host of the 105.5 FM Bookclub, as well as a co-host on HOWL on CIUT 89.5 FM. She is also a book publicist, the Regional Chair of the League of Canadian Poets and a co-chair of the League's BIPOC committee, as well as the Poet Laureate of Scugog Township. Learn more about Hollay at www.hollayghadery.com. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/poetry

The Greater Toronto Area's condo market faces an unprecedented quiet spell despite soaring demand in other Canadian cities. As supply outpaces demand, affordability issues loom large, deterring potential buyers. Paul Indrigo, a seasoned real estate expert, sheds light on the unique challenges confronting buyers and sellers amidst evolving economic conditions. In 2024, the region witnessed a record number of condo completions, leading to a significant supply-demand imbalance. By March 2025, a sharp decline in condo sales highlighted changing buyer preferences in a saturated market. With increased options, buyers are more discerning about their condo experiences than ever before. To address these shifts, Paul introduces the Condo Seller VIP Podcast Experience, a platform ensuring maximum exposure for your properties on the top-ranked real estate podcast. While the Toronto market grapples with uncertainty, other cities like Montreal and Calgary flourish with rising sales and better affordability. Explore realestatepodcastshow.com for optimal buying or selling outcomes in this volatile market.

In this episode, we're joined by Sylvia Ho. Sylvia, the "cash damming queen", is a Mortgage Broker from the Greater Toronto Area in Ontario, who has revolutionized her mortgage business after over 2 decades in the industry by exclusively focusing on rental cash damming over the past 2 years. Her transformation from a generalist to a specialist showcases how focusing on a specific niche can lead to both professional success and personal fulfillment, as she now manages to take vacations every 6 weeks, while working only 80 hours a month, and never on evenings and weekends.   Sylvia is here to discuss: → Why the focus on rental cash-damming and changing her business model, building a recession-proof business, and how turning away files helps her business.  → Transitioning from running a team to to a simplified process with 1 assistant, how she gets quality leads and protects her time, and building expertise through continuous learning and practice. → Prioritizing peace of mind over traditional business opportunities, achieving better work/life balance, and avoiding burnout.   Sylvia Ho's LinkTree: www.linktr.ee/sylviahomortgages Sylvia Ho's Instagram: @sylviahomortgages Sylvia Ho's LinkedIn: @SylviaHo Sylvia Ho's YouTube: @sylviaho7611 Sylvia Ho's Facebook Group: Cash Flow Mastery for Lazy Landlords Sylvia Ho's Cash Damming Webinar: www.cashdam.ca   To sign up for live events and coaching, visit: www.iamryanwiley.com   What is Strategy Hub? Visit here>>> https://get.mystrategyhub.ca

Josh Graham is a second-generation career firefighter with over a decade of experience in a large, fast-growing urban fire department in the Greater Toronto Area. In addition to his firefighting career, he has more than ten years of paramedic experience, having worked in both urban and rural settings. Josh spent two years in the Training Division as the Technical Rescue lead, where he developed programs across multiple disciplines to support his department's transition toward mandated certification. His programs focus on NFPA standards while ensuring crews are equipped with the necessary skills, training, and experience to operate effectively. He has also played a key role as a Lead Instructor in several Recruit Academies. In late 2023, Josh returned to the Operations Division and is currently assigned to a station housing both an Engine and a Technical Rescue apparatus. He continues to contribute to the Training Division as an Acting Training Officer and serves as a Lead Instructor for Rope and Water Rescue, Engine Operations, Search and Rescue, and Firefighter Survival. A firm believer in the historic culture of the fire service, Josh values camaraderie, craftsmanship, and the traditions that define the profession. While modern shifts emphasize safety culture and individualism, he believes that the strength of the fire service lies in its shared commitment to training, continual skill development, and the mentorship of future generations. His passion for the job is fueled by the enthusiastic passing of knowledge, experience, and tradition. Outside of work, Josh enjoys spending time with his wife and two children, as well as hunting, fishing, camping, mountain biking, and practicing Brazilian Jiu-Jitsu. Josh curates a firefighting-focused Instagram page dedicated to sharing relevant training content and fire service culture. His goal is to showcase the confidence and effectiveness of aggressive firefighting, often misunderstood as reckless or dangerous—while highlighting its critical value in saving lives and property. @dumpdawg_jr Sponsorship: @southwest_fire_academy Editing: @bradshea Marketing: @m.pletz Administration: @haileyfirefit Partnership: @firefighternationhq

March 25, 2025 – Join the Empire Club of Canada in welcoming Deborah Flint, President and CEO of Toronto Pearson, as she delivers a keynote address on how the airport is helping to shape our region's future — by enhancing connectivity, driving innovation, and job creation – as well as fueling economic benefits across Ontario and Canada. Toronto Pearson Airport is investing in a multi-billion-dollar capital plan called LIFT (Long-term Investment in Facilities and Terminals). It will modernize Canada's largest airport over the next decade.Following the remarks, a panel discussion will take place featuring industry leaders from aviation and industrial real estate. The panel will feature Craig Landry, Executive Vice President and COO of Air Canada; Blair Wolk, President of Orlando Corporation; and John Stackhouse, Senior Vice President of the Office of the CEO at RBC, as the moderator. Together, they will explore how Pearson's transformation will help unlock new opportunities for businesses and the workforce and contribute to a more secure future.Convening partners around the airportToronto is experiencing unprecedented growth, with the Greater Toronto Area's population surpassing 7 million after adding a record 269,000 people (3.9%) between 2023 and 2024. Key to this growth is the Pearson Economic Zone. Anchored by Toronto Pearson Airport, the infrastructure, aviation, logistics and manufacturing taking place within the Zone is key contributor to Canada's economy.*The content presented is free of charge but please note that the Empire Club of Canada retains copyright. Neither the speeches themselves nor any part of their content may be used for any purpose other than personal interest or research without the explicit permission of the Empire Club of Canada.**Views and Opinions Expressed Disclaimer: The views and opinions expressed by the speakers or panelists are those of the speakers or panelists and do not necessarily reflect or represent the official views and opinions, policy or position held by The Empire Club of Canada.*

Jon Thompson is the Senior Pastor of Sanctus Church, a multi-site church in the Greater Toronto Area and online where he has served for 25 years. He joins us to give us his unique perspective on deliverance, freedom, and what the Church is supposed to be doing. Learn more about Jon: https://jonthompsonresources.com/Widow's Might on Amazon: https://a.co/d/iaXVJV1Support There is More: ⁠https://neveralonewidows.kindful.com/?campaign=1284937⁠Get 10% discount on Father's House Study with code: FH10Get the Father's House Study: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fathershousestudy.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get the Spiritual Warfare Course: https://www.thereismoreforyou.org/Follow There is More Podcast on Instagram: @thereismorepodcast

Canada takes action to support housing with new immigration measures, released by on 07 March 2025   | Good day ladies and gentlemen, this is IRC news, I am Joy Stephen, a certified Canadian Immigration practitioner, and I bring to you this Federal News Bulletin from CIC news release. This recording originates from the Polinsys studios in Cambridge, Ontario. | March 7, 2025—Toronto—Immigration is essential to Canada's economic success and growth. To meet the growing demand for housing, Canada needs a strong construction and skilled trades workforce, and immigrants play a vital role in fulfilling these needs.  Today, the Honourable Marc Miller, Minister of Immigration, Refugees and Citizenship, announced the government's intent to introduce a number of new measures to support Canada's construction industry. These measures are within the scope of the 2025–2027 Immigration Levels Plan. They include the convening of a tripartite advisory council to assess needs in the industry and advise on new pathways to bring in the skilled workers we need, a regularization pathway for out-of-status construction workers, and support for foreign apprentices.  As our country faces a housing shortage and uncertainty in the face of tariff threats, Canada will immediately convene a tripartite advisory council comprised of federal government and union representatives, and industry leaders. This advisory council will work to identify on‑the‑ground labour needs and advise on the parameters for potential pathways that would bring in and retain the construction workers we need for the long term, with robust protections against abuse and a strong wage threshold.  In an effort to build on the success of initiatives such as the out-of-status construction workers in the Greater Toronto Area pilot, IRCC intends to create a pathway that would offer opportunities for undocumented migrants in the construction sector. These undocumented migrants are already living and working in Canada, and are contributing to the sector, and this pathway will keep them here legally so that they can continue to build the homes our economy and communities need with the proper protections.  More information about these pathways will be shared in the near future as the new advisory council meets to develop these important policies.  Finally, to support foreign apprentices in construction programs and to address the current labour market needs in the construction sector, we are also introducing a temporary measure to allow foreign apprentices to complete their studies without a study permit, effective today. By removing this administrative barrier, apprentices will be able to gain the valuable skills they need to contribute to infrastructure projects more quickly.  With these new measures, we are making immigration work for our country by bringing in the skilled workers we need to help meet Canada's housing needs while maintaining sustainable immigration volumes. | You can always access past news from the Canadian Federal Government by visiting this link: https://myar.me/tag/fed/. Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through

Episode Summary In this episode of the Canadian Immigration Podcast, host Mark Holthe breaks down the latest immigration measures introduced by the Liberal government, focusing on their impact on temporary residents, construction workers, and Canada's housing crisis. With a late Friday night announcement (as usual), Minister Marc Miller introduced new initiatives that aim to support the construction industry, but many are questioning whether these measures are fair to legal workers already in Canada. Mark takes a deep dive into the government's plan to expand the Out-of-Status Construction Worker Pathway beyond the Greater Toronto Area. While the goal is to address the labor shortage in housing, many legal workers—who have followed the rules—are being left behind. Mark is also joined by Miguel, a newly landed permanent resident and carpenter in the GTA, who shares firsthand insight into the real state of construction jobs in Canada. His shocking experience contradicts the government's claim that there is an urgent need for more workers. If you're a temporary resident, construction worker, or someone frustrated with the ongoing changes in Canadian immigration, this episode is a must-listen. Key Topics Discussed

Dan PetrenkoHailing from Toronto, ON, Dan is a director, playwright, and producer who has worked in theatres across Canada, the United States, and London's West End. Previously, Dan served as the founding Artistic Director of Olive Branch Theatre, a professional company dedicated to creating opportunities for next-generation artists in the Greater Toronto Area. Throughout his career, Dan produced and directed a variety of critically acclaimed musicals and cabarets, including an award-winning drama based on his family's story in the Holocaust, which toured in the United States. Dan's work has been praised for its depth and artistic complexity. Born and raised in Israel to Ukrainian-Jewish parents, Dan often gravitates towards stories exploring Jewish identity and history, particularly those rooted in the Soviet era. As a playwright, he is currently developing multiple projects for the stage that he looks forward to sharing with an audience soon. Dan is a graduate of the University of Toronto, holding an MA in Drama, Theatre, and Performance Studies and an Honours BA in Theatre and International Relations. Since joining Winnipeg Jewish Theatre in 2022, Dan has co-created and directed Pain to Power: A Kanye West Music Protest and helmed the Canadian premiere of Kathrine Kressmann Taylor's Address Unknown. In 2025, Dan will direct the first Canadian production of The Band's Visit.Seth ZoskySeth is a Jewish-Canadian, multidisciplinary artist hailing from Toronto. He is a singer, actor, Juno-nominated songwriter and musician with over a decade of performance experience. Seth is a graduate of Sheridan's Music Theatre Performance degree. He is also part of CZN; a Pop/RnB/Rap trio singing group. They were chosen by Simon Cowell as the winners of Canadian Family's Got Talent and have also appeared on America's Got Talent. Theatre Credits Include: Jack in the Canadian premiere of Titanique (Mirvish Productions/Segal Centre); Fiddler on the Roof, Peter Pan (Drayton Entertainment); The Last Five Years (Blue Bridge Theatre); One Hit Wonders (Stage West); Blocked (TheatreWorksUSA); The Last Five Years, A Night on Jewish Broadway (Olive Branch); American Idiot (Stephenville Theatre Festival).Tracey Erin SmithTracey is an internationally recognized transformational leader and creator. She is the founder and driver of SOULO Theatre, originating in Toronto, with workshops in New York City, Tel Aviv, San Francisco, Vancouver and the UK. A proud Canadian, Tracey is an award-winning teacher, solo performer, theatre director and thought leader employing personal stories for global transformation.​Tracey's work had been seen Off-Broadway and on several stages the world over where she has been awarded Best of the Fringe (Toronto and NYC), Broadway World Award (NYC), and the Audience Choice Award (NYC). She is the host and creator of the critically acclaimed documentary series DRAG HEALS (Amazon Prime, Apple TV). Tracey is excited for the release of her first book, Flying SOULO in the fall of 2024. .Pain To Power: A Kanye West Musical ProtestWhat do you do when your hero breaks your heart?CJ Capital and Seth Zosky saw Kanye West as one of their biggest musical inspirations. Now that their hero has turned against their communities, the two of them question whether it is really possible to separate the art from the artist. Featuring Hip Hop chart-toppers such as “Heartless”, “Four-Five Seconds”, “Power”, “Ultralight Beam”, “American Boy”, and “Runaway”, interweaved with Seth's and CJ's stories of family, faith, and friendship, this will be a theatrical experience you don't want to miss!

Jon Thompson is the Senior Pastor of Sanctus Church, a multi-site church in the Greater Toronto Area and online where he has served for 25 years. He joins us to give us his unique perspective on deliverance, freedom, and what the Church is supposed to be doing. Learn more about Jon: https://jonthompsonresources.com/Widow's Might on Amazon: https://a.co/d/iaXVJV1Support There is More: https://neveralonewidows.kindful.com/?campaign=1284937Get 10% discount on Father's House Study with code: FH10Get the Father's House Study: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fathershousestudy.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get the Spiritual Warfare Course: https://www.thereismoreforyou.org/Follow There is More Podcast on Instagram: @thereismorepodcast

Is the GTA housing market oversupplied or just misunderstood? In this episode of Sync or Swim, host Max Steinman takes a deep dive into the purpose-built rental market with industry leaders Chrystal LeBlanc (BGO), Michelle Calloway (Fitzrovia), and Todd Spencer (Park Property Inc.). Together, they explore how their organizations are responding to shifting renter preferences, navigating condo oversupply challenges, and redefining the rental experience in the Greater Toronto Area. Tune in for expert advice on navigating Toronto's rental market, practical strategies for adapting to evolving renter expectations, and inspiring lessons from exceptional leaders shaping the future of multifamily housing. Whether you're a property pro, a curious investor, or simply interested in where Toronto's housing market is headed, this episode will leave you informed, inspired, and ready to take action!   Key Points From This Episode:   Purpose-built rental developments in Toronto: affordable, downsizer-friendly, and amenity-rich. Market insights into rental oversupply and condo saturation impacting prices and demand. Key distinctions between condos and purpose-built rentals (and why purpose-built is better!) Michelle's take on the decline in foreign student demand in Toronto rentals. Growing demand for flexible lease terms, dedicated workspaces, and personalized leasing. Insight into the customer service evolution needed to meet changing renter preferences. Strategies the panel has implemented to reduce “shopping around” and close deals faster. Hospitality-inspired practices that are key to elevating the resident experience. Reframing renting as a choice, emphasizing security, community, and modern amenities. Combatting negative stigma around renting and landlords by creating great experiences. New language, fostering renter dignity, and leveraging technology to change perceptions. The panel's reflections on the “promise of Toronto” and why they remain optimistic. Why collaboration and knowledge-sharing among industry peers is critically important. Reasons to create community “stickiness” and what it can to do reduce tenant turnover. Some of the most rewarding aspects of being in the purpose-built rental industry.   Quotes:   “We need to be better at saying why purpose-built rental is different [to condos]. We think about our residents – 24/7 – We need to work harder in the sales pitch to highlight what that means: that our service levels are higher [and] our systems are better.” — Todd Spencer [0:10:26]   “You can spend all the money on marketing in the world, but if you don't step in that front door and have a consistent experience with what you see – online, it can fall flat really quickly.” — Chrystal LeBlanc [0:13:46]   “What I always say is we don't have 500 suites. When a prospect walks in the door, we have three suites for you based on your budget, your family, what's important to you, [and we only show] suites that are right for that prospect.” — Chrystal LeBlanc [0:19:37]   “If we want to be recognized as world cities, we need to behave like world cities. In the rest of the world, renting is not a stigmatized activity. It's actually the dominant housing ecosystem in most major cities in the world.” — Todd Spencer [0:25:19]   “We need to be better at sharing insights with each other in the industry. I invite everybody to come tour my assets not because they're new and shiny but [because] I want to hear what you're doing too. That's going to raise us up altogether.” — Michelle Calloway [0:35:28]   “The [purpose-built rental] industry is changing since I joined 10 years ago. That – excites me. We still have a long way to go. We're not there yet, but I can't wait to see where we go.” — Michelle Calloway [0:40:39]   Links Mentioned in Today's Episode:   Toronto Rentsync User Roadshow 2024 Chrystal LeBlanc BentallGreenOak (BGO) Chrystal LeBlanc on LinkedIn  Michelle Calloway Fitzrovia Michelle Calloway on LinkedIn Todd Spencer Park Property Management Inc. Todd Spencer on LinkedIn Elm-Ledbury by Fitzrovia Sloane by Fitzrovia Waverley by Fitzrovia Max Steinman on LinkedIn Rentsync Sync or Swim Podcast Sync or Swim Email  

Plus: Facundo Iglesia from the Buenos Aires Herald on a crypto scandal and Argentina's leader. Also: We revisit the “Giga Pearl”. It holds the Guinness World Record as the largest authenticated natural pearl. The massive, iridescent gemstone has traveled from the Philippines to Mississauga, then to the U.S. for appraisal, and now it's back in the Greater Toronto Area for an exclusive luxury art exhibit.

Today we dive into the truth about staging. We interview Maria Saverino, a top home stager, professional photographer, and interior designer working in the Greater Toronto Area. Learn why staging works, and gains insights into the psychology behind staging. Understand what happens when you stage your home, and get insider tips on how to declutter and de-personalize your living space. Home staging has become an integral part of marketing a house or condo in today's real estate market. Maria explains how expert staging can help you to sell faster and possibly bring you a higher offer. Reach Maria Saverino at Milagro Interiors: https://milagrointeriors.ca/ 416-897-0339   #realestate #staging #sellinghomes Randy Selzer - Real Estate Agent 33 Pearl St Mississauga, ON L5M 1X1 416-433-3556 https://www.randyselzer.com/

Send us a textIn this episode of the Real Estate Development Insights Podcast, we interview Dave Dekort, Director of Project Management at Mattamy Homes, to discuss developing mid-rise buildings in the Greater Toronto Area. Dave shares his background, the evolution of Mattamy Homes, and the company's shift from low-rise to urban mid-rise construction. The conversation covers various building systems, including wood framing, cold-formed steel, pre-cast concrete, and hybrid approaches, emphasizing the pros and cons of each. Dave also offers valuable advice on project management, consultant coordination, and trends in the construction industry, providing listeners with essential tips for navigating the complexities of mid-rise development. Why is Mattamy shifting to more urban developments?Challenges and Strategies in Mid-Rise ConstructionKey Considerations in Development ProjectsDifferent Typologies in Mid-Rise BuildingsAcoustic and Fire Separation considerations in Mid-Rise buildingsCoordination and Prefabrication ChallengesAdvice for New Developers and BuildersMattamy Homes, founded in 1978, is one of North America's largest privately owned homebuilders. Known for its focus on creating master-planned communities. In recent years, Mattamy Homes has been shifting toward midrise building developments, reflecting broader changes in urban real estate markets. The rising demand for housing in urban centers, combined with a growing emphasis on sustainability, transit-oriented development, and land-use efficiency, has encouraged the company to diversify its portfolio. Midrise buildings align with Mattamy's goals by offering higher-density housing options that cater to a variety of residents, including young professionals, empty nesters, and those seeking more affordable options within desirable urban locations.For more information, please refer to RealEstateDevelopmentInsights.Com.

Learn about the latest changes to mortgage rules in Canada. We interview Denise Pisani, a well known mortgage broker in the Greater Toronto Area, and discuss: 1.) the change in cap from $1 million to $1.5 Million for high ratio mortgages 2.) new 30 year amortizations for first time buyers and buyers of new construction 3.) removal of the Stress Test requirement if you are changing banks when renewing your mortgage. All three of these were announced in the fall, but came into effect in December, 2024. We cover some of the lesser known details that can help you to come out ahead when shopping for a mortgage loan. Find Denise here: https://mortgageinthecity.ca/ And a big shout out to Feedspot.com. They are a media company based in the U.S. who recently recognized my podcast as one of the top 25 real estate podcasts in Toronto, and one of the top 70 real estate podcast in Canada. Thank you, Feedspot! https://podcast.feedspot.com/toronto_real_estate_podcasts/ https://podcast.feedspot.com/canada_real_estate_podcasts/ Check out Feedspot for worldwide podcast rankings for every imaginable topic. #realestate #mortgage #business Randy Selzer 33 Pearl St Mississauga, ON L5M 1X1 416-433-3556 https://www.randyselzer.com/  

The cost of housing, particularly in the Greater Toronto Area, is one of our most persistent problems. Governments have employed a lot of strategies to get the prices down, and yet, they remain stubbornly high. The city of Vaughan in York Region recently announced a new approach, and the city's mayor, Steven Del Duca, joins The Agenda to explain.See omnystudio.com/listener for privacy information.

Nancy Kuemper is the founding principal interior designer and creative director at Mabel Design Co. based in Halton Hills, which is located within the Greater Toronto Area. Similarly to the approach KRG Hospitality takes to projects, Nancy's approach to interior design is transparent, structured, bold, and client-driven. As you'll learn during this episode of the Bar Hacks podcast, she's enamored with the idea of telling the story of a client's project. You'll also hear about the phased structure Mabel Design Co. brings to each project, when to bring on an interior designer, how to maximize the relationship, design trends Nancy thinks will be popular in 2025, and more. Cheers! Notes Mabel Design Co. website: https://www.mabeldesignco.com Mabel Design Co. IG: https://www.instagram.com/mabeldesignco/ Mabel Design Co. Pinterest: https://www.pinterest.ca/mabeldesignco/ Mabel Design Co. LinkedIn: https://www.linkedin.com/company/mabel-design-co/ Bar Hacks IG: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/barhacks/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ KRG Hospitality IG: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/krg.hospitality/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ KRG Hospitality website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://krghospitality.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ David Klemt IG: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/david.ex.machina/

Victor Viggiani is a long time Ufologist from the Greater Toronto Area. For years, Victor has been part of the Canadian contingent trying to find out the stories behind the UFO secret in the Great White North. Now there's a petition out, with backing from a Canadian MP that is about to hit the ground running, to help bring Disclosure to Canada.Become a supporter of this podcast: https://www.spreaker.com/podcast/spaced-out-radio--1657874/support.

Have questions about demons and forces of evil? Have questions about the occult and new age spirituality? Jeff sits down with Jon Thompson, seminary professor who teaches on warfare, for a conversation about evil, demonology, satan, and how the forces of evil can be at work in your daily life, and most importantly how to live in freedom. Jon Thompson is the Senior Pastor of Sanctus Church — a multi-site church in the Greater Toronto Area and online — where he has served for 27 years. He holds a Master of Theological studies from Tyndale Seminary and a Doctorate of Missiology from Fuller Theological Seminary. Passionate about engaging seekers, skeptics, and believers about the Christian faith, Jon has authored three best-selling books: Convergence, Deliverance, and Perseverance.

He is a full service Real Estate Broker specializing in residential resale homes, investment acquisitions and luxury home sales across the GTA. He and his team have become renowned as the merchants of choice for many of the Greater Toronto Area's most valuable and luxurious properties. In keeping with his extraordinary reputation, he has become a recognized leader in the distinctive real estate market north of Toronto specializing in Vaughan, Thornhill, Richmond Hill, and of course Toronto.He proudly holds the position of Broker, Owner and Managing Partner of Forest Hill Real Estate Vaughan.  Proud to boast a powerful reputation built on honesty, integrity, and repeatedly achieving great results for his valued clients, he differentiates himself by providing personalized service and treating each individual property sale as its own unique project, rather than providing a ‘cookie cutter' approach to marketing your home.Toronto's most sophisticated sellers and buyers have chosen him to represent them because of his renowned reputation, customized & creative marketing plans, and strong connections within the real estate industry.Joining me on this episode of The MindShare Podcast to talk about ' Inside the Mind of a Top Producing Real Estate Broker ' - is Special Guest –  Michael Switzer.6:31 *how long have you been selling real estate?8:23 *do you remember your first deal… what did you do to get that deal?9:39 *are you an organized person… how do you manage your days to ensure you get everything done?16:06 *do you feel it's possible to operate to a schedule in this business?16:24 *what do you say to anyone who tells you they just don't have enough time?22:24 *what are some of your non-negotiables in your day?30:49 *does most of your business come from people you know, or people you don't know?33:53 *what marketing channels do you leverage to drive repeat and referral business?34:58 *what about newsletters, do you send newsletters, and why?35:51 *how much focus do you put on social media in a day?42:03 *what about birthday cards, or anniversary cards?43:55 *when it comes to generating new opportunities… new leads as many in the industry refer to it as, what are some channels you really focus on… do you farm an area… are you sending flyers/postcards… what about bus benches/billboards… do you find them helpful?48:58 *do you believe in paying for online leads… what's your take on the whole online lead gen idea in this game… does it work, or no?49:58 *is it more important to be online, or offline when it comes to success in this game?53:39 *what's it take to be successful at farming, and what kind of time should anyone give it to truly start working… and what kind of mindset do agents need when it comes to the overall of generating new opportunities?56:55 *when shit hits the fan, either with a deal, your overall day to day, or the market is just real slow, how do you overcome a negative mindset?Thanks for tuning in to this episode of The MindShare PodCast with our special guest - Michael Switzer, as we talked about ' Inside the Mind of a Top Producing Real Estate Broker'Get your FREE gift on my homepage at www.mindshare101.com just for tuning in!I'd also be really grateful if you could take a quick second to go www.ratethispodcast.com/mindshare101 to rate the show for me.And we haven't connected yet, send me a message!Facebook: facebook.com/mindshare101 Instagram: instagram.com/davidgreenspan101Youtube: youtube.com/@DavidGreenspanLinkedin: linkedin.com/in/mindshare101

Greg Brady and the Big City Mayors panel of: Marianne Meed Ward, Burlington Mayor, Tom Mrakas, Aurora Mayor, Elizabeth Roy, Whitby Mayor, Discuss: Ontario Big City Mayors Gun violence is on the rise in Canada. In parts of the Greater Toronto Area, it's a record-breaking year Two 13-year-old boys among four people charged for allegedly stealing liquor from LCBO in Oshawa City says it can't meet affordable housing targets without more help Learn more about your ad choices. Visit megaphone.fm/adchoices

Seasonal baking opens up exciting possibilities for commercial bakers to captivate customers, drive sales, and maintain a competitive edge. Tailoring your bakery's offerings to each season keeps your bakery both relevant and irresistible. Of course, crafting these seasonal delights (https://bakerpedia.com/festive-bakes-and-seasonal-treats/) demands more than creativity. it calls for technical skill in formulation, precise processing, and rigorous quality control to ensure each treat is perfectly executed. In this episode of BAKED in Science, host Mark Floerke is joined by three other baking industry professionals to discuss a baker to baker approach to seasonal baking. Richard Charpentier has over 35 years of extensive bakery experience in snacks and breads. Classically trained as a French baker and Certified Master Baker, he has gone on to include bakery science, grain milling and food history in his repertoire. He is currently the CEO of Baking Innovation (https://baking-innovation.com), finding practical uses for emerging innovations and technologies. Denise Stemmler is a Technical Sales Representative at Bakers And Us (http://www.bakersandus.ca/en/). Bakers & Us is a full service wholesale distribution expert, servicing the bakery and pastry industries of the Greater Toronto Area. Peter Jacobs is a highly skilled RBA Certified Master Baker with over 40 years of baking experience. He uses his experience in the bakery and food production industry at his company, The Bakers Workshop (https://thebakersworkshop.ca), to consult clients in product development, production-line application, economic production efficiencies, formula development, and mentoring recruits. The Change of Seasons in the Bakery Some topics covered include: Bakery preparation for the holidays Leveraging current technology Ingredient cost considerations for seasonal baking Learning from other bakers Baking regulation and certification Artisanal techniques in seasonal baking This podcast is brought to you by: Enzyme Innovation Enzyme Innovation can help you extend shelf-life and prolong softness in your baked goods with SEBake Fresh Ultra™, Enzyme Innovation's proven, high-performing Maltogenic Amylase. Call (909) 203-4620 or visit enzymeinnovation.com to learn more!

In this episode of the Craft & Character podcast, Steve Carter interviews Pastor Jon Thompson from Sanctus Church in Toronto, Canada about the importance of perseverance in pastoral ministry. Jon is one of Canada's most thoughtful and insightful shepherds and he shares about a book he wrote that unpacks 15 different observations at the halfway point about how to finish well. Bobby Clinton, the legendary Fuller Professor once said only 30% of leaders finish well. How do you become one of the 30%? Reading and mediating on Pastor Thompson's observations are definitely a gift for those starting out in ministry, at the midway point, or closing in on the finish line. BIO Jon Thompson is the Senior Pastor of Sanctus Church – a multi-site church in the Greater Toronto Area and online – where he has served for 25 years. He holds a Master of Theological Studies from Tyndale Seminary and a Doctorate of Missiology from Fuller Theological Seminary. After spending his childhood in Ecuador with his missionary parents, Jon began his ministry as the Youth Pastor before assuming his current role as Senior Pastor at Sanctus Church. Jon is married to Joanna and has three kids. EPISODE LINKS https://jonthompsonresources.com @pastorjon_t on Instagram @steveryancarter @craft_character Learn more about your ad choices. Visit podcastchoices.com/adchoices

With Loblaws facing criticism for soaring grocery prices and record-high profits during a cost-of-living crisis, can a boycott drive real change? We talk to Emily Johnson, the lead organizer for the Loblaws boycott, and Eric Wickham, a Toronto-based journalist and host of Big Shiny Takes. Emily is a mental health and addictions worker and single mother of two living in the suburbs west of Toronto, and Eric has been working on a year-long investigation on the price of groceries for The Hosier, an independent digital media outlet based in the Greater Toronto Area. We are also joined by Robert Miller, climate activist, organizer, and “spooookiest” friend of the pod, to discuss more solutions to reduce the price of groceries and save Halloween for children nationwide. Want more episodes on the food system? Check out the episode where we go dumpster diving, our episode about Big Ag, or our episode on Food Rescue with Second Harvest. Pullback is a proud member of the Harbinger Media Network Enjoy our work? Support us on Patreon!

RE/MAX Canada has released its 2024 RE/MAX Canada Condominium Report. In this video interview, Samantha Villiard, Regional Vice President, RE/MAX Canada, discusses the key findings from the report. PRESS RELEASE TORONTO, Oct. 9, 2024 /CNW/ — Despite fears of leaving money on the table, sellers have returned to housing markets across the country in large numbers as the promise of future interest rate cuts draw skittish buyers back into the fray, according to a report released today by RE/MAX Canada. The 2024 RE/MAX Canada Condominium Report examined condominium activity between January – August 2024 in seven major markets across the country including Greater Vancouver, Fraser Valley, City of Calgary, Edmonton, Greater Toronto, Ottawa and Halifax Regional Municipality, and found that condo listings have soared in anticipation of increased demand in the fourth quarter of 2024 and early 2025. Growth in inventory levels was highest in the Fraser Valley (58.7 per cent), followed by Greater Toronto (52.8 per cent), City of Calgary (52.4 per cent), Ottawa (44.5 per cent), Edmonton (17.7 per cent), Halifax Regional Municipality (8.1 per cent) and Vancouver (7.3 per cent). Values have held up surprisingly well given the influx of listings, with gains posted in Calgary (15 per cent), Edmonton (four per cent), Ottawa (2.3 per cent), Vancouver (1.9 per cent), Fraser Valley (1.9 per cent), and Halifax (1.2 per cent). Meanwhile in Greater Toronto, the average price fell two per cent short of year-ago. While sales were robust in Alberta thanks to in-migration from other parts of the country, Edmonton led the way in terms of percentage increase in the number of condos sold, up just close to 37 per cent from year-ago levels, marking the region's best performance in the previous five-year period. This is followed by a more tempered Calgary market, which was up 2.6 per cent over 2023. Remaining markets saw home-buying activity soften in the condominium sector. “High interest rates and stringent lending policies pummeled first-time buyers in recent years, preventing many from reaching their home-ownership goal, despite having to pay record high rental costs that mirrored mortgage payments,” says RE/MAX Canada President Christopher Alexander. “The current lull is the calm before the storm. Come spring of 2025, pent-up demand is expected to fuel stronger market activity, particularly at entry-level price points, as both first-time buyers and investors once again vie for affordable condominium product.” SOURCE: Greater Vancouver REALTORS, Fraser Valley Real Estate Board, Calgary Real Estate Board, REALTORS Association of Edmonton, Toronto Regional Real Estate Board, Ottawa Real Estate Board, Nova Scotia Association of REALTORS. *Apartments Only **Estimated average price for Greater Vancouver Edmonton and Calgary remain firmly entrenched in seller's market territory, while conditions are more balanced in Greater Vancouver, Fraser Valley, Ottawa and Halifax. These markets will likely transition in 2025. Toronto may be the last to emerge from more sluggish conditions, however, Alexander notes that it's a market that has been known to turn quickly. Absorption rates will be a key indicator. Certainly, the market forces of supply and demand always prevail, so some neighbourhoods will fare better than others. Of note in Toronto, prices have likely bottomed out and that's usually evidence that a turnaround is in sight. The current uptick in inventory levels is drawing more traffic to listings, yet buyers remain somewhat skittish across the country. The first two Bank of Canada interest rate cuts did little to entice prospective homebuyers to engage in the market, given the degree of rate increases that took place. However, with further rate reductions expected and policy adjustments to address affordability and ease entry into the market, activity will likely start to climb, particularly among end users. “Even in softer markets, hot pockets tend to emerge,” says Alexander. “In the condominium segment we're seeing a diverse mix among the most in-demand areas, ranging from traditional blue-chip communities to gentrifying up-and-comers, as well as suburban hot spots. Condominiums in choice recreational areas were among the markets posting stronger sales activity—a trend that was also reflected in our single-detached housing report issued earlier this year.” In each market, there are condominium pockets that defied overall trends. In the Greater Toronto Area, condominium sales were up by double digits in the first eight months of 2024 in midtown communities such as Toronto Regional Real Estate Board (TRREB)'s Yonge-Eglinton, Humewood-Cedarvale, Forest Hill South (C03) where activity increased 25.3 per cent (114 condo sales in 2024 compared to 91 sales in 2023) and Bedford-Park-Nortown, Lawrence Park, and Forest Hill North (C04) rose 13.3 per cent (128/113). The west end's High Park, South Parkdale, Swansea and Roncesvalles (W01) communities experienced a 15.7-per-cent upswing in units sold (206/178) while neighbouring W02 including High Park North, Junction, Lambton Baby Point, and Runnymede-Bloor West Village climbed 25.2 per cent (189/151). In the east end, the Beaches (E03) reported a 20.3-per-cent increase in sales activity. In Greater Vancouver, an uptick in apartment sales was noted in suburban markets including Port Coquitlam where the number of units sold was up 11 per cent (263 in 2024 compared to 237 in 2023) while more moderate increases were posted in New Westminster (up 0.4 per cent) and recreational communities such as Whistler/Pemberton (up 3.3 per cent). In Fraser Valley, Mission was the sole market to experience an increase in apartment sales, according to the Fraser Valley Real Estate Board, up just over 74 per cent year-over-year (68 in 2024 compared to 39 in 2023). Strong sales were also reported in Calgary neighbourhoods such as Eau Claire (up 59.1 per cent) and Downtown East Village (up 17.3 per cent). Meanwhile, RE/MAX found that investor activity has stalled in most markets. The slowdown has been most notable in Greater Toronto, where up to 30 per cent of investors have experienced negative cashflow on rental properties as mortgage carrying costs climbed, according to analytics by Urbanation and CIBC Economics. Investor confidence is expected to recover in the months ahead, as interest rates fall and return on investment (ROI) improves. Edmonton bucked the trend in investor pullback. With supply outpacing demand in Canada's most affordable condominium market, savvy investors in Edmonton have been actively revitalizing tired condominium stock and subsequently renting it out for top dollar. Affordability has been a significant draw for out-of-province investors, particularly those from Ontario and British Columbia who are seeking opportunities further afield to bulk up their portfolios. Out-of-province developers and builders have been similarly motivated by Edmonton's lower development costs and lack of red tape. Halifax to a lesser extent has drawn investor interest, with affordability, low vacancy rates and upward pressure on rents being the primary factor behind the city's appeal. “In many markets, end users are in the driver's seat right now,” explains Alexander. “While investors are an important part of the purchaser pool, this point in time is a unique opportunity for aspiring condominium buyers who, for a short window of time, will likely see less competition from investors and a better supply of product. This is especially true in Toronto and Vancouver, where the impact of monetary policy has hit investor profit margins to a greater extent despite high rent and low vacancy rates. With values set to rise, this is arguably the most favourable climate condominiums buyers have seen in recent years.” In the longer term, immigration to Canada and in-migration/out-migration from one province or region to another will continue to prop up demand for condominiums in the years to come, as condominiums now represent both a first step to home ownership, and increasingly—in Canada's most expensive markets—the middle step as well. Although population numbers are forecast to contract in the short-term, overall growth will resume, with Statistics Canada's projections falling just short of 44 million to as high as 49 million by 2035. Increasing density and urbanization, along with continued population growth is expected to support the long-term outlook for condominium activity nationally. Canada's urban population has been climbing consistently since the post-WWII period with an estimated 80 per cent of Canadians residing in urban centres. Downtowns are growing fast, and more rapidly than ever before. “The housing mix is evolving very quickly as a result of densification and urbanization. Condominiums now represent the heart of our largest cities, and it is inevitable that further development will see condos become the driving force accounting for the lion's share of sales in years to come,” says Alexander. “It's a physical and cultural shift that Canadians are not only adjusting to but are embracing, as younger generations redefine urban neighbourhoods, sparking demand for vibrant and robust amenities, infusing new life in Canada's urban cores in the process.” Market by market overview Greater Vancouver Area and Fraser Valley Softer market conditions prevailed throughout much of the year in the Greater Vancouver Area and the Fraser Valley, with fewer sales of condominium apartments occurring across the board in 2024. In Greater Vancouver, year-to-date apartment sales between January and August were well off year-ago levels at 9,248, according to Greater Vancouver Realtors, down just over eight per cent from the same period in 2023. Neighbouring Fraser Valley reported just 3,130 apartments changing hands between January and August of this year, down 8.5 per cent from year-ago levels. Values continue to climb in the Fraser Valley, where the overall average price year-to-date for apartment units is up two per cent year-over year ($559,215/$548,658) according to the Fraser Valley Real Estate Board, while Vancouver has edged up two per cent to $823,550 in 2024, compared to $807,085 in 2023. Home-buying activity started with a bang in both Greater Vancouver and the Fraser Valley this year as the anticipation of interest rate cuts in April fuelled momentum. When it became evident that interest rates would hold steady until June or July, the wind was sucked from the market sails. Several areas in Greater Vancouver have reported an increase in year-to-date sales, including Port Coquitlam (263 sales in 2024 compared to 237 sales in 2023), New Westminster (546/544) and Whistler/Pemberton (186/180). Despite several interest rate cuts to date, however, buyers are still skittish, holding off on purchasing their home until rates decline further, while sellers are reluctant to list their homes for fear of leaving money on the table. The catch-22 situation has been frustrating for buyers and sellers alike, but buyers who pull the trigger now on a purchase, may ultimately find themselves in a better position come spring. Selection is good with more than 2,100 apartments currently listed for sale in Greater Vancouver and another 2,080 available in the Fraser Valley, and buyers have the luxury of time to make thoughtful decisions. Come spring, the number of purchasers in the market is expected to increase, placing upward pressure on values. Some of the most popular areas for condominium sales in Greater Vancouver in recent years are in East Vancouver. Its culturally diverse and artsy neighbourhoods, top-shelf restaurants and cafés, including Michelin Star Published on Main, as well as craft breweries and entertainment, have served to draw a younger demographic. False Creek, Mt. Pleasant, Kits Point, Fairview, Pt. Grey and Dunbar offer condo buyers a spectacular view of North Vancouver and the Burrard Inlet and easy access to the Skytrain, bike and walking paths, parks and recreational facilities. A one-bedroom apartment in an established building in Mt. Pleasant can be purchased for approximately $650,000, while newer product can be picked up for as low as $490,000 to a high of $928,000. Prices in nearby Kits trend higher with a one-bedroom hovering at $715,000 on average. The lion's share of apartment sales in both Greater Vancouver and Fraser Valley are occurring under the $800,000 price point for a one-bedroom apartment, while a two-bedroom priced below $1 million will generate solid interest. The Valley tends to offer greater selection under the $800,000 price point, and typically has more appeal with first-time buyers. As demand rises in tandem with the Bank of Canada's interest rate cuts, absorption levels should increase. Spring of 2025 is expected to be characterized by strong demand and dwindling supply, with modest increases in average price. Strong economic fundamentals going into the new year will support an increase in home-buying activity, with lower interest rates and longer amortization periods helping to draw first time buyers into the market once again. City of Calgary While interprovincial migration has slowed from year-ago levels, overall net migration to Alberta continues to climb, sparking demand in the province's affordable real estate market. In Calgary, the sale of condominium apartments experienced a modest increase of almost three per cent in the first eight months of the year, with 5,722 units changing hands compared to 5,577 sales during the same period in 2023. Year-to-date average price has climbed 15 per cent year-over-year to just over $347,000, up from $301,868 in 2023, according to the Calgary Real Estate Board. Growth has been noted in virtually all areas of the city, with the greatest percentage increases in sales occurring in Eau Claire (59.1 per cent), Killarney/Glengary (46.7 per cent), Garrison Woods (64.7 per cent) Garrison Green (23.5 per cent) and Currie Barracks (18.2 per cent). Most condominium apartment sales are occurring in the downtown district, where walkability plays a major role. Younger buyers tend to gravitate toward the core area, which allows residents to walk to work and amenities. Not surprisingly, the highest number of sales occurred in the Downtown East Village, where 129 units have been sold year to date, up from 110 sales one year ago. Significant gains have also been posted in average price, with Saddle Ridge experiencing an increase in values close to 36 per cent, rising to $317,997 in 2024, followed by Hillhurst, which increased 21.4 per cent to $423,873. Out of the 12 key Calgary markets analyzed by RE/MAX, seven posted double-digit gains in values. Seller's market conditions prevailed in the city throughout much of the year, with strong demand characterizing home-buying activity. Luxury apartment sales are on the upswing, with 49 apartments selling over $1 million so far this year compared to 41 during the same period in 2023, an increase of 19.5 per cent. Empty nesters, retirees and oil executives are behind the push for high-end units, most of which are in the downtown core offering spectacular views of both the Bow River and the mountains. First-time buyers are most active in the suburbs, where they can get the best bang for their buck in communities such as McKenzie Town, Panorama Hills and Saddle Ridge. Apartment values in these areas average around $300,000, making them an attractive first step to home ownership, but also an affordable entry point for small investors. After a heated spring market, inventory levels have improved substantially, with a relatively good selection of condominiums available for sale. Inventory levels hover at close to 1,500, up substantially from year-ago levels, with the sales-to-new listings ratio now sitting at 60 per cent. With interest rates trending lower, more buyers and a greater number of investors are expected to enter the market in the year ahead. Rather than waiting for next spring, when rates are lower but prices are higher, buyers may want to consider making a purchase today when supply is healthy and market conditions are less heated. Buying with a two-month closing could also capture the expected Bank of Canada rate cuts in October and December. Edmonton Home-buying activity in the Edmonton's apartment segment exploded in 2024, with year-to-date sales almost 37 per cent ahead of year-ago levels. Affordability continues to be the catalyst for activity, with 3,351 units changing hands, up from 2,452 sales one year ago, making 2024 the best year for apartment sales in the past five years (for the January to August period). The average price of an apartment in Edmonton year-to-date is $200,951, up four per cent over year-ago levels, according to the Realtors Association of Edmonton, making Edmonton the lowest-priced major market in the country. Immigration and in-migration have seriously contributed to the uptick in sales, with Edmonton reporting record population growth in 2023. Statistics Canada data for Alberta in the second quarter of 2024 show net interprovincial migration continues unabated, up almost 11 per cent, with 9,654 new residents coming from other Canadian centres – the majority hailing from Ontario and British Columbia. During the same period, immigration numbers remained relatively constant at 32,000. The sales-to-new-listings ratio now sits at 65 per cent—clear seller's territory. Many condominiums are now moving in multiple offers. The influx of newcomers has buoyed the city, with growth evident in neighbourhoods from the downtown core to the suburbs. Most are buying up properties, as opposed to renting, as they may have done in years past. Home ownership is more-easily attainable in Edmonton relative to other major cities, with the cost of a condominium apartment as low as $100,000. Newer condominiums are available for less than $300,000. Condominiums vary in shape and size in Edmonton, with row house condominiums featuring a backyard and a garage being a major attraction. Investors have also entered the picture, buying up older, tired condo units, fixing them up and renting them out for top dollar. Lower development costs have also prompted an influx of out-of-province builders and developers who can quickly construct 20- and 30-floor high-rise towers or townhouse developments that fill the missing middle. Well-known builders in Ontario and British Columbia are moving into the Alberta market because of the lack of red tape. Several condominium buildings are currently underway, with many more in various stages of planning. With demand currently outpacing supply, the quicker these units come on stream, the better. By 2027, more balance market conditions are expected. First-time buyers are also exceptionally active in the condo segment. Affordable price points and a notable lack of provincial and municipal land transfer taxes allow younger buyers to easily enter the market. Purchasers who are coming from other provinces quickly realize how far their dollar stretches in Edmonton, as the low cost of housing allows for more disposable income. Homeowners can pay their mortgage, go out for weekly dinners, and have an annual vacation, without too much stress. Amenity-rich Oliver remains one of the most coveted hubs in Edmonton. West of 109th St. and the downtown core, the diverse neighbourhood offers a mix of new condominium development including walk ups, mid- and high-rise buildings, and peripheral spin off including retail shops, restaurants and entertainment, all within a short walk to the River Valley. Demand is especially high thanks to the walkability of the area and close proximity to the ICE District. Old Strathcona and Whyte Avenue are also sought-after. The trendy arts and cultural area boasts a mix of funky, bohemian-style and historic buildings, galleries, boutiques, shops, restaurants, cafes and a vibrant nightlife. Edmonton's housing market continues to be driven from the bottom up. Renters move into condo apartments, who move into condo row housing, who move into townhomes and eventually make their way to single-detached homes. The cycle is expected to be supported by a strong local and provincial economy heading into 2025 as monetary policy continues to ease, households and businesses increase spending, and oil prices climb. Greater Toronto Area Demand for condominium apartments and townhomes in the Greater Toronto Area has softened year-over-year, with sales off 2023 levels by eight per cent. Close to 16,800 condo apartments and townhomes changed hands between January and August 2024, down from 18,263 sales during the same period in 2023. Overall condominium values fell almost two per cent, with average price now sitting at $732,648 for apartments and townhomes, down from $747,039 during the same period in 2023, according to data from the Toronto Regional Real Estate Board (TRREB). Two buyer pools are impacting the condominium market at present—investors and end users. The investment segment has stalled, as a growing number of condominium investors find themselves unable to cover their carrying costs when closing, despite a relatively strong rental market. In a July 2024 report, Urbanation and CIBC Economics examined the distribution of cash flow by dollar amount and found that 30 per cent of investors of new condos completed in 2023 were cash flow negative by $1,000 or more. End users, especially those seeking larger one-bedroom-plus-den or two-bedroom units, are active in the condo market, particularly in the Forest Hill South, Yonge-Eglinton, Humewood-Cedarvale (C03) and Bedford-Nortown, Lawrence Park and Forest Hill North (C04). Several new buildings in these areas have prompted a 25.3- and 13.3-per-cent uptick in sales activity respectively, while average price has edged slightly higher in Forest Hill South, Yonge-Eglinton, Humewood-Cedarvale ($871,839 in 2024 compared to $863,681 in 2023). Double-digit increases in year-to-date condominium sales in the 416 were also reported in west end communities such as High Park, South Parkdale, Swansea and Roncesvalles (up 15.7 per cent), High Park North, Junction, Lambton- Baby Point, and Runnymede-Bloor West Village (up 25.2 per cent); and in the east, the Beaches area (up 20.3 per cent). In the 905-area code, an uptick in condo activity was noted in Halton Hills (up 21.6 per cent) and Milton (up 13.3 per cent); and in Newmarket (up 30.6 per cent). Close to 43 per cent of TRREB districts in the 416-area code reported modest gains in average price between January and August of 2024, led by the Annex, Yonge-St. Clair (C02), with a close to 14-per-cent increase in values. One in four markets in the 905-area code have posted gains in condominium values year-over-year. Inventory levels continued to climb throughout much of the year as available resale units were joined by an influx of new completions on the Multiple Listing Service (MLS). Selection has vastly improved over year-ago levels, with over 8,300 apartment units actively listed for sale at the end of August, compared to 5,455 units during the same period in 2023. Almost 1,700 active listings were reported in the condo townhouse segment, up 53 per cent from the 1,110 posted in 2023. Pre-construction condominium assignments are still occurring as investors look to sell their units before registration, but the pace has subsided since 2023. New completions have slowed in the second quarter of this year in Greater Toronto–Hamilton in large part due to the lack of investor interest, with starts off last year's level by 67 per cent, according to Urbanation. Repercussions in the short-term will be negligible but the longer-term impact is expected to be substantial. Twenty-thousand new condominium units are planned for the GTA in 2025; 30,000 in 2026; and 40,000 in 2027. In 2028, the figure falls to 5,000 units. At that point, construction will heat up, but not fast enough to meet demand. With a six-month supply of condominiums currently available for sale, the GTA market is heading into clear buyers' territory. With values at or near bottom and Bank of Canada overnight rates trending lower, the fall market may represent the perfect storm for first-time buyers. As rates drop, more buyers are expected to enter the market in the months ahead. As absorption rates increase, the current oversupply will be diminished and demand will take flight, placing upward pressure on average prices once again. Ottawa Although downsizing empty nesters, retirees and first-time homebuyers fuelled steady demand for condominium apartments and walk-ups in Ottawa in 2024, the number of units sold between January and August fell short of year-ago levels. The Ottawa Real Estate Board reported just over 1,400 condominium apartments changed hands year to date, down less than one per cent from 2023. Meanwhile, values rose 2.3 per cent over last year, with average price rising to $447,042. Affordability remains a major concern in Ottawa, despite changes to monetary policy in recent months. First-time buyers find themselves locked out of the freehold market, given high interest rates and stringent lending policies. Fixed mortgage rates have dropped in recent weeks and are expected to continue to decline for the remainder of the year and into 2025, but potential buyers are still wary. Inventory levels have increased year over year as a result, with active listings in August hovering at 636, approximately 44.5 per cent ahead of 2023. First-time buyers who choose to move forward with a purchase are typically looking for condominiums with low monthly maintenance fees and a parking spot priced from $500,000 to $550,000. The downtown core to Centretown and Dows Lake are popular destinations, given the proximity to the workplace, shops and restaurants. Those seeking to spend less could find a lower-priced unit in an older building for $350,000 but monthly condominium fees would be significantly higher. Suburban condominiums in areas such as Kanata, Barrhaven, and Orleans are also an option, priced from $375,000 to $400,000. Tighter inventory levels exist in the luxury segment, where fewer condominium apartments are available over the $850,000 price point. Empty nesters and retirees are responsible for the lion's share of activity in the top end of Ottawa's condominium market. Westboro, the Golden Triangle, and Centretown, as well as neighbourhoods undergoing gentrification including The Glebe, Lansdowne, and Old Ottawa East, are most sought-after by buyers, many of whom are downsizing. Walkability is a major factor in these communities, with condominium apartments within walking distance to top restaurants and cafes, unique shops and picturesque walking paths. As consumer confidence grows with each interest rate cut, more and more buyers should return to the market. Fourth-quarter sales are expected to be comparable to year-ago levels, but the outlook for spring of 2025 appears to be bright. Pent-up demand is building and those first into the market will reap the rewards. Halifax Regional Municipality After three consecutive interest rate cuts and the prospect of two more by year end, optimism is finally building in the Halifax Regional Municipality housing market. Average condominium values have edged ahead of year-ago levels in the first eight months of the year, now sitting at $484,491, up one per cent over the $479,558 reported during the same period in 2023. Condominium sales, however, declined year over year, with 510 properties changing hands between January and August, down close to seven per cent from last year's levels, according to data compiled by the Nova Scotia Association of Realtors. The trepidation that existed earlier in the year is subsiding and confidence is starting to grow as inflation is curtailed. The most competitive segment of the overall housing market remains under $600,000 in the Halifax area, with first-time buyers most active at this price point. Entry-level condominiums priced between $300,000 and $400,000 are most sought after, while semi-detached and townhomes tend to be the preferred choice over $400,000. At the top end of the market, condominium sales over $750,000 have experienced a modest uptick, with 35 properties sold so far this year, compared to 34 during the same period one year ago. Year-to-date average price in the top end of the market has softened from year-ago levels, sitting at almost $940,000, down from $957,300 during the same timeframe in 2023. Young professionals and retirees are largely behind the push for higher-end condominiums, with most sales occurring within the city's downtown core. Downward pressure on interest rates has prompted more sellers to list their condos in recent weeks, but there are no liquidation sales occurring. Inventory levels are up just over eight per cent from 2023. The vast majority of condominium apartments are found on the peninsula's northeast quadrant, central and downtown cores. Some developments are situated on the waterfront in Dartmouth (near the ferry) and in Bedford, but supply is less plentiful in these areas. Investors are also active in Halifax's condominium market with an eye toward rental properties. Multi-unit housing remains exceptionally popular, with most investors interested in buildings with eight to 10 units. Four-plexes and duplexes are also an option, given the city's low vacancy rates and upward pressure on rent. In-migration and immigration have continued to play a role in the city's growth, although the influx of newcomers has abated somewhat from peak levels. Positive international immigration, coupled with interprovincial migration, contributed to a net increase of 6,000 people in the second quarter of 2024. Major improvements are planned for the Dartmouth waterfront that will make it more pedestrian friendly in the coming years, including public spaces and cruise ships. The redevelopment hopes to mirror the success of Halifax's vibrant waterfront area that continues to attract both visitors and residents to the area's restaurants and cafes, outdoor kiosks, retail shops, playgrounds, museums, and the ferry terminal.  With continuous investment and a bold new vision for the municipality, Halifax is expected to thrive in the years ahead, given the city's affordable real estate and spectacular topography. About the RE/MAX Network  As one of the leading global real estate franchisors, RE/MAX, LLC is a subsidiary of RE/MAX Holdings (NYSE: RMAX) with more than 140,000 agents in almost 9,000 offices with a presence in more than 110 countries and territories. RE/MAX Canada refers to RE/MAX of Western Canada (1998), LLC and RE/MAX Ontario–Atlantic Canada, Inc., and RE/MAX Promotions, Inc., each of which are affiliates of RE/MAX, LLC. Nobody in the world sells more real estate than RE/MAX, as measured by residential transaction sides. RE/MAX was founded in 1973 by Dave and Gail Liniger, with an innovative, entrepreneurial culture affording its agents and franchisees the flexibility to operate their businesses with great independence. RE/MAX agents have lived, worked and served in their local communities for decades, raising millions of dollars every year for Children's Miracle Network Hospitals® and other charities. To learn more about RE/MAX, to search home listings or find an agent in your community, please visit remax.ca. For the latest news from RE/MAX Canada, please visit blog.remax.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 #CanadasNumberOnePodcastforEntrepreneurs #Condo Market #Condos #entrepreneurs #entrepreneurship #Homes #Housing #RealEstate #small business

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

Today, Joash Thomas and I talk about liberating faith practices and the systemic barriers that get in the way. Also Chai. We talk about Masala chai quite a bit. Joash Thomas is an international speaker, global human rights leader and justice & liberation theologian. Born and raised in India, Joash ran a political consulting and lobbying firm in the United States before joining the human rights advocacy space. Joash has a master's degree in Political Management from The George Washington University and is currently pursuing a dual master's degree in Christian Leadership & Systematic Theology. An Oblate in the Diocese of St. Anthony, Joash is also the author of ‘A Just Gospel', a forthcoming book in partnership with Brazos Press to be published in Fall 2025. Based in Canada's Greater Toronto Area, Joash can also be found on social media (@JoashPThomas) and Substack (Jesus, Justice & Joash).You can follow Joash on Instagram, Threads, and Twitter/X @joashpthomas. Join Joash's Substack community, Jesus, Justice, and Joash at joashpthomas.substack.comSupport the show

Greg is back after a week off! In the first hour he shares his recent experiences in Nashville, and then Whistler. Other topics to kick things off include why Saturdays are not as busy at dealerships anymore, Jagmeet Singh's recent interaction with a street heckler, and some exciting new vehicles Nissan will be offering.The second hour kicks off with a call about the state of Toyota. Then, Greg welcomes back Kris Sims, Alberta Director of the Canadian Taxpayers Federation, to discuss Doug Ford's supposed plans to build a tunnel under Highway 401 in the Greater Toronto Area. How much will it cost? Where will the money come from? Are there any other possible solutions to the problem?Last but not least, Greg is honoured to be joined by Rebel News Mission Specialist David Menzies. This discussion covers a variety of topics including David's career, free speech and censorship, the state of Canadian media, and much more.All that, plus much more, on this weekend's edition of "The Greg Carrasco Show"

Have you ever wondered what it takes to thrive in the real estate market, even during uncertain times?   In this episode, I chat with Dean Artenosi, founder of Arten Development Group and Vice President of Operations of Coldwell Banker Real Estate Center. Dean shares his journey from selling door-to-door to leading major development projects in the Greater Toronto Area. His story is a testament to perseverance and the power of creative thinking in real estate.   We discuss the challenges and opportunities in the current market, particularly for first-time homebuyers. Dean explains how he started by helping buyers find affordable options through innovative programs and later transitioned into property development. He provides insights on navigating zoning changes, assembling land, and the value of strategic patience in real estate development.   Dean also touches on the recent changes in the CMHC regulations and their impact on the market. He believes these adjustments could bring much-needed relief for homebuyers and developers. If you're interested in understanding how to create value in real estate, this episode offers practical advice and inspiring lessons for anyone looking to succeed in the field.   What you will learn if you listen to the episode:   - How to Start in Real Estate with Limited Money - Tips for First-Time Homebuyers in a Tough Market - Making Money with Creative Real Estate Ideas - What to Know About Zoning and Property Use Changes - Real Estate Development Challenges and Success - Understanding CMHC Changes for Homebuyers - How Patience Pays Off in Real Estate Investing   SUPPORT US ON PATREON!    patreon.com/realestateeffect and become a part of our real estate family! You'll get access to exclusive content, monthly virtual meetings [Ask me anything!], special events, and more!   And please subscribe to the show, share it with a friend and send us feedback. Visit www.realestateeffect.ca and follow me on IG @monsaxel   Timestamps:  

The Godfathers Of Podcasting are back with perhaps our most unique episode ever... because this week's guest ... can't talk.  He was born with Cerebral Palsy, and has always been non verbal - but that didn't stop him from becoming one of the most in-demand comedians on the scene today (thanks in large part to his ability to quickly feed Siri with whatever it is he wants to say).If this sounds familiar, it's probably because you've seen him on Kill Tony, or Joe Rogan or America's Got Talent (where he was a finalist last season).  His name is Ahren Belisle and he's one funny, and super fascinating guy.  He's in town this week to perform at Jokers Comedy Club in Richmond Hill on Saturday September 21st.  If you're in the Greater Toronto Area, go check him out!Check out the episode!  Send us your feedback by texting 437 375 2000.Please check out our sponsor Black BorkBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-godfathers-of-podcasting--4303576/support.

Violent crime in the Greater Toronto Area is spiking, with shootings in York region up 92% compared to this time last year. Carjackings over the same period have doubled. A look at the regions most affected and how police say they will try to crack down on what they describe as trend toward violent gun crime, with Jason Miller, crime reporter with The Toronto Star.See omnystudio.com/listener for privacy information.

Today, we're looking at comments from Conservative Leader Pierre Poilievre, who took aim at the Jagmeet Singh and the Trudeau Liberals while calling for an election. Plus, more details continue to emerge regarding vetting failures in the case of a father and son duo accused of plotting an ISIS terror attack in the Greater Toronto Area. And finally, the Liberals just can't stop lying when it comes to blaming others for their failures.

Linktree: https://linktr.ee/AnalyticExploring "Wah Gwan Delilah" - Drake and Snowd4y's Unique CollaborationJoin us on Notorious Mass Effect as we dive into the fascinating world of “Wah Gwan Delilah,” the innovative collaboration between Drake and rising Toronto rapper Snowd4y. Host Analytic Dreamz unpacks this creative parody of the 2005 emo-folk-pop classic “Hey There Delilah” by Plain White T's, transformed with a distinct Toronto twist.Learn about Snowd4y, a social media sensation known for his comedic takes on Toronto culture, who makes his musical debut with this track. Discover how the song incorporates Multicultural Toronto English (MTE) and Jamaican (Creole and Patois) phrases, reflecting the rich diversity of the Greater Toronto Area's youth.Listen as we break down the lyrics, starting with Snowd4y's playful nods to Toronto landmarks like Dundas Square, and delve into Drake's verse that touches on traffic woes, Instagram, and cheeky encounters. The use of Toronto slang and the playful nature of the collaboration make this track truly unique.We'll also explore the varied reactions on social media, from speculations about AI involvement to debates over its listenability and humorous commentary on its quirky style.Tune in to Notorious Mass Effect for an insightful analysis of “Wah Gwan Delilah,” a track that blends humor, Toronto culture, and unexpected autotune into an entertaining musical experience.Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Michelle Risi was named one of the Top 50 Women in Canadian Real Estate according to Real Estate Professionals Magazine.It's an accolade she has earned!Born into the real estate industry, Michelle began her career over 20 years ago, and has served in multiple roles to help grow one of Canada's largest real estate franchises.She is the Broker/Owner of Royal Lepage Connect Realty a brokerage in the Greater Toronto Area with 6 locations and approx 300 agents and staff, and she's the CEO of the Aligned Agent Academy home to her signature program Mindset to Millions.Michelle's journey as a female entrepreneur has shaped her commitment and passion to help others create their own personal success. In addition to her brokerage and industry leadership, she shares her wealth of experience and insights as a coach, public speaker, and a published writer for Forbes. [FREE Online Masterclass Training] The 3 Step Lead System To Close Your Next 6 Figures in GCI (From Leads You've Never Met)

Michelle Risi was named one of the Top 50 Women in Canadian Real Estate according to Real Estate Professionals Magazine.It's an accolade she has earned!Born into the real estate industry, Michelle began her career over 20 years ago, and has served in multiple roles to help grow one of Canada's largest real estate franchises.She is the Broker/Owner of Royal Lepage Connect Realty a brokerage in the Greater Toronto Area with 6 locations and approx 300 agents and staff, and she's the CEO of the Aligned Agent Academy home to her signature program Mindset to Millions.Michelle's journey as a female entrepreneur has shaped her commitment and passion to help others create their own personal success. In addition to her brokerage and industry leadership, she shares her wealth of experience and insights as a coach, public speaker, and a published writer for Forbes. [FREE Online Masterclass Training] The 3 Step Lead System To Close Your Next 6 Figures in GCI (From Leads You've Never Met)