Podcasts about hst

What happens when your real estate portfolio starts growing and suddenly you have multiple properties, partnerships, corporations, mortgages, reserve funds, security deposits, and bank accounts to manage? That is one of the major topics Wayne and Gabby break down in today's episode. They explain how rental property bank accounts can be organized, when multiple properties can share one account, when separate accounts are necessary, and why the ownership structure matters more than the number of properties. Gabby explains that multiple properties can generally operate through the same bank account when the ownership structure is identical. For example, if you own four properties with the same joint venture partner, those properties may be managed through one account. But if another property has a different partner, corporation, or ownership structure, it should be kept separate. The bigger issue is traceability. If a property is ever reviewed, investors need to be able to show which income and expenses belong to which property. Strong bookkeeping, saved invoices, clear records, and organized bank accounts make that possible. Wayne and Gabby also discuss why opening one bank account for every individual property may sound organized but can become an absolute nightmare as a portfolio grows. Gabby shares her preference for keeping a manageable number of properties in each account while still separating accounts by ownership structure. They also discuss reserve funds, security deposits, lender requirements, multiple banking apps, corporate accounts, and why successful investors need systems before their portfolio becomes too complicated. The episode also answers a listener question about the costs involved when selling a rental property. Wayne and Gabby discuss realtor commissions, legal fees, property tax adjustments, condominium fee adjustments, utilities, lawn care, snow removal, staging, and the capital gains implications of selling an investment property. They explain that capital gains are based on the increase between the purchase price and selling price, rather than simply the amount of cash left after paying off the mortgage. They also explain why investors should plan ahead, estimate the potential tax liability, and set money aside from the sale proceeds rather than being surprised when tax season arrives. Finally, Wayne and Gabby answer a landlord question involving a tenant who accidentally broke a shower head and offered to replace it with a less expensive model. They discuss whether the tenant should replace it with the original quality, whether the landlord should accept the cheaper replacement, and why splitting the difference may be the best way to protect the property while maintaining a strong landlord-tenant relationship. This episode is a practical look at the financial and operational systems investors need as they grow from one rental property into a serious real estate portfolio. What You'll Learn in This Episode What expenses investors should expect when selling a rental property How realtor commissions are typically calculated Why GST or HST may apply to professional fees Why legal fees, staging, utilities, lawn care, and snow removal need to be considered How property taxes and condominium fees may be adjusted at closing How capital gains are generally calculated on the sale of an investment property Why capital gains are different from the cash proceeds received at closing Why investors should set aside money for taxes after selling Why refinancing may delay taxes but does not necessarily eliminate them How to respond when a tenant accidentally damages something Why tenant responsibility and communication matter Whether a tenant should replace an item with the same quality Why splitting the cost may protect a strong tenant relationship Why good tenant relationships can reduce vacancy and turnover Why investors should not get trapped in every small operational decision How Wayne and Gabby divide responsibilities inside their business Whether multiple rental properties can use the same bank account Why ownership structure determines how accounts should be separated Why joint venture partners need access to the appropriate accounts Why properties with different partners should not share accounts Why strong bookkeeping makes account management easier Why one account per property can become difficult at scale Why some lenders require mortgage payments to come from their bank How reserve funds can be pooled under the same ownership structure Why reserve funds and security deposits are not the same thing Why security deposits need to be handled separately and carefully Why corporations may require their own security deposit accounts Why successful investors need banking and bookkeeping systems before they scale Upcoming Events Edmonton Garden Suites 101 July 24, 2026 Edmonton, Alberta www.reimasters.ca REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth through rental properties, BRRRRs, joint ventures, seller financing, rent-to-own, garden suites, and other real estate investing strategies. The Canadian Real Estate Investing Morning Show releases new episodes every weekday morning featuring real stories, market analysis, coaching conversations, investor questions, landlord advice, business systems, and practical real estate investing education. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question: info@reimorningshow.com Thanks To Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax www.finngo.com/rei Kirkwood & Brennan Mortgage Group www.kbmortgages.ca keaton@kbmortgages.ca

What happens when your real estate portfolio starts growing and suddenly you have multiple properties, partnerships, corporations, mortgages, reserve funds, security deposits, and bank accounts to manage? That is one of the major topics Wayne and Gabby break down in today's episode. They explain how rental property bank accounts can be organized, when multiple properties can share one account, when separate accounts are necessary, and why the ownership structure matters more than the number of properties. Gabby explains that multiple properties can generally operate through the same bank account when the ownership structure is identical. For example, if you own four properties with the same joint venture partner, those properties may be managed through one account. But if another property has a different partner, corporation, or ownership structure, it should be kept separate. The bigger issue is traceability. If a property is ever reviewed, investors need to be able to show which income and expenses belong to which property. Strong bookkeeping, saved invoices, clear records, and organized bank accounts make that possible. Wayne and Gabby also discuss why opening one bank account for every individual property may sound organized but can become an absolute nightmare as a portfolio grows. Gabby shares her preference for keeping a manageable number of properties in each account while still separating accounts by ownership structure. They also discuss reserve funds, security deposits, lender requirements, multiple banking apps, corporate accounts, and why successful investors need systems before their portfolio becomes too complicated. The episode also answers a listener question about the costs involved when selling a rental property. Wayne and Gabby discuss realtor commissions, legal fees, property tax adjustments, condominium fee adjustments, utilities, lawn care, snow removal, staging, and the capital gains implications of selling an investment property. They explain that capital gains are based on the increase between the purchase price and selling price, rather than simply the amount of cash left after paying off the mortgage. They also explain why investors should plan ahead, estimate the potential tax liability, and set money aside from the sale proceeds rather than being surprised when tax season arrives. Finally, Wayne and Gabby answer a landlord question involving a tenant who accidentally broke a shower head and offered to replace it with a less expensive model. They discuss whether the tenant should replace it with the original quality, whether the landlord should accept the cheaper replacement, and why splitting the difference may be the best way to protect the property while maintaining a strong landlord-tenant relationship. This episode is a practical look at the financial and operational systems investors need as they grow from one rental property into a serious real estate portfolio. What You'll Learn in This Episode What expenses investors should expect when selling a rental property How realtor commissions are typically calculated Why GST or HST may apply to professional fees Why legal fees, staging, utilities, lawn care, and snow removal need to be considered How property taxes and condominium fees may be adjusted at closing How capital gains are generally calculated on the sale of an investment property Why capital gains are different from the cash proceeds received at closing Why investors should set aside money for taxes after selling Why refinancing may delay taxes but does not necessarily eliminate them How to respond when a tenant accidentally damages something Why tenant responsibility and communication matter Whether a tenant should replace an item with the same quality Why splitting the cost may protect a strong tenant relationship Why good tenant relationships can reduce vacancy and turnover Why investors should not get trapped in every small operational decision How Wayne and Gabby divide responsibilities inside their business Whether multiple rental properties can use the same bank account Why ownership structure determines how accounts should be separated Why joint venture partners need access to the appropriate accounts Why properties with different partners should not share accounts Why strong bookkeeping makes account management easier Why one account per property can become difficult at scale Why some lenders require mortgage payments to come from their bank How reserve funds can be pooled under the same ownership structure Why reserve funds and security deposits are not the same thing Why security deposits need to be handled separately and carefully Why corporations may require their own security deposit accounts Why successful investors need banking and bookkeeping systems before they scale Upcoming Events Edmonton Garden Suites 101 July 24, 2026 Edmonton, Alberta www.reimasters.ca REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth through rental properties, BRRRRs, joint ventures, seller financing, rent-to-own, garden suites, and other real estate investing strategies. The Canadian Real Estate Investing Morning Show releases new episodes every weekday morning featuring real stories, market analysis, coaching conversations, investor questions, landlord advice, business systems, and practical real estate investing education. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question: info@reimorningshow.com Thanks To Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax www.finngo.com/rei Kirkwood & Brennan Mortgage Group www.kbmortgages.ca keaton@kbmortgages.ca

A launch-packed Wednesday kicks off with two rocket milestones — SpaceX's BlueBird 8-10 direct-to-cell satellite launch and Ariane 6's record-breaking Amazon Leo flight — followed by a splashdown update for the science-laden Dragon CRS-34. Then a Chandra double-header delivers the most detailed X-ray view ever of M87's famous black hole jet, plus the discovery of possible supernova wreckage at the very heart of the Milky Way. We close with JWST's extraordinary weather portrait of WASP-121b — a planet where the rain is made of rubies and sapphires.   Story Summaries & Key Facts   Story 1 — SpaceX BlueBird 8-10 Launch •       Launched: 2:39 a.m. EDT, 17 June 2026, from Cape Canaveral Space Force Station (SLC-40) •       Vehicle: SpaceX Falcon 9 (booster B1077, 29th flight) •       Booster recovery: drone ship 'A Shortfall of Gravitas', Atlantic Ocean •       Payload: AST SpaceMobile BlueBird 8, 9 & 10 (Block 2 next-generation satellites) •       Antenna array: ~2,400 sq ft each — largest commercial phased arrays in LEO •       Peak data speed: 120 Mbps per coverage cell (nearly double Block 1) •       Processing bandwidth: 10 GHz per satellite •       Goal: space-based cellular broadband direct to standard smartphones •       AST network partners: 50+ MNOs including AT&T, Verizon, Vodafone (~3 billion subscribers)   Story 2 — Ariane 6 Record Payload •       Mission: VA269 / LE-03 (Amazon Leo 3rd Ariane 6 flight; 8th Ariane 6 overall; 3rd of 2026) •       Launch site: Guiana Space Centre, Kourou, French Guiana •       Payload: 36 Amazon Leo broadband satellites — heaviest Ariane payload ever (~20,820 kg) •       First flight of upgraded P160C solid rocket boosters (debut; replaces P120C) •       P160C improvement: +1 metre longer, carries 156 tonnes propellant each (+10% performance) •       Ariane 64 LEO capacity with P160C: ~22 tonnes •       Previous flights each carried 32 satellites; today's adds 4 more •       Arianespace milestone: 100 Amazon Leo satellites launched in under 5 months •       Next Ariane 6 launch: 28 August (2-booster configuration; likely Meteosat-14)   Story 3 — Dragon CRS-34 Splashdown (Update) •       UPDATE on yesterday's S05E116 story (undocking reported 16 June 2026) •       Dragon CRS-34 splashed down off Southern California coast, 17 June 2026 (~5:08 a.m. PDT) •       Capsule: Cargo Dragon 2 (C209, 6th flight); undocked ~12:25 p.m. EDT 16 June •       Science returned: bioprinted organ/cartilage tissue; DNA-inspired cancer treatment materials •       Also returned: blood-forming stem cells; cryogenic propellant storage experiment data •       Dragon is the ONLY ISS cargo vehicle capable of returning cargo to Earth intact •       Time-sensitive samples flown by helicopter from recovery ship to Kennedy Space Center •       CRS-34 launched 15 May 2026; delivered ~6,500 lbs cargo to Expedition 74 crew   Story 4 — Chandra / M87 Jet (Double-Header Part 1) •       Published: 15 June 2026; presented at 248th AAS Meeting, Pasadena, CA •       Lead researcher: Camille Poitras (PhD student, Laval University, Canada) •       M87* mass: 6.5 billion solar masses; distance: ~55 million light-years •       M87* was the first black hole ever directly imaged (Event Horizon Telescope, 2019) •       Data span: Chandra observations 2012–2025, processed with advanced deconvolution •       Key finding 1: Two distinct components revealed in feature HST-1 (previously blended) •       Key finding 2: Global X-ray emission decrease of up to 84% — consistent with synchrotron cooling •       Key finding 3: Jet features show both quasi-stationary and superluminal apparent motion •       Multi-wavelength: Chandra + JWST + Hubble + VLA + ALMA combined •       Significance: most detailed evolving picture of any black hole jet ever produced   Story 5 — Chandra / Galactic Centre Supernova (Double-Header Part 2) •       Published: Astrophysical Journal, released 14–15 June 2026 •       Lead: Zhenlin Zhu et al. (UCLA); data from Chandra + ESA XMM-Newton + MeerKAT + Pan-STARRS •       Location: Sagittarius C complex, ~26,000 light-years from Earth •       Finding: possible supernova remnant (diffuse X-ray emission) near Sgr A* •       If confirmed: closest supernova remnant ever found to Sagittarius A* •       Estimated age of explosion: ~1,700 years ago (approx. 3rd–4th century CE) •       Ejection speed: ~2 million mph; brightens region ~10x vs nearby star clusters •       Galactic centre context: extreme region of massive stars, magnetic threads, fast-orbiting gas •       Importance: SNRs supply iron, oxygen, silicon — key ingredients for planet/life formation   Story 6 — JWST / WASP-121b •       Published: June 2026 (JWST new observational results); story filed 16 June 2026 •       Planet: WASP-121b — ultra-hot Jupiter, ~855 light-years away, constellation Puppis •       Size: ~1.75–2× Jupiter; tidally locked (one side always faces its star) •       Orbital period: just 30.5 hours (one of the shortest known) •       Dayside temperature: ~3,000°C (hot enough to vaporise metals including iron, aluminium) •       Wind speed: ~18,000 km/h, carrying vaporised metals from dayside to nightside •       Ruby/sapphire rain: aluminium + oxygen → corundum (Al₂O₃) → with impurities = ruby/sapphire •       JWST delivered: most detailed 3D atmospheric weather portrait of any exoplanet to date •       Broader context: marks shift from 2D snapshots to full 3D atmospheric modelling of exoplanetsBecome a supporter of this podcast: https://www.spreaker.com/podcast/astronomy-daily-space-news-updates--5648921/support.Sponsor Details:Ensure your online privacy by using NordVPN. To get our special listener deal and save a lot of money, visit www.bitesz.com/nordvpn. You'll be glad you did!Become a supporter of Astronomy Daily by joining our Supporters Club. Commercial free episodes daily are only a click way... Click HereThis episode includes AI-generated content.

The new enhanced HST rebate for new homes, is still confusing. I had a talk with Matthew Patullo, from A.P. Romano Legal Professional Corporation for more clarity. If you are looking for to buy a new build, you don't want to miss this episode.

Táto relácia vznikla vďaka našim podporovateľom. Pridajte sa k nim, prosím, teraz aj vy na: https://podpora.postoj.sk/podporte-najsilnejsie-konzervativne-medium?referral_source=youtube&referral_campaign=youtube&referral_content=destinacia_vesmir&utm_source=youtube. Ďakujeme. Spolupracovník Postoja Michal Novota a redaktor Lukáš Krivošík rozoberajú aktuality i históriu výskumu vesmíru. V úvode, venovanom aktuálnym udalostiam rozoberú napríklad tieto témy: Český astronaut Aleš Svoboda poletí o rok na Medzinárodnú vesmírnu stanicu. Česi diskutujú, či sa to oplatí. Poznáme posádku misie Artemis III, NASA tiež predstavila plán výstavby základne na povrchu Mesiaca. Test novej generácie Starship dopadol skoro dobre, statický test New Glenn už menej, vybuchla rampa LC-36, budú zdržania. Cez víkend médiá dramaticky informovali o evakuácii ISS, ako to bolo naozaj? Sonda Psyche obletela Mars a poslala krásne zábery. HST a JWST galaxia M88, fotografia mesiaca. Videonávrat k Artemis II – záber odpojenia modulu Integrity od ESM. Do vesmíru vyštartovala európska sonda Smile, bude skúmať magnetosféru Zeme. V historickej časti sa budeme venovať sovietskemu projektu Almaz. V 70. rokoch Sovieti vypustili na obežnú dráhu niekoľko vesmírnych staníc, ktoré mali vojenský význam. Jedna z nich, Saľut 3, bola dokonca vyzbrojená kanónom.

The Backyard Investment Strategy Changing Ontario - JG Francoeur   Part 2 of my conversation with JG Francoeur, founder of Visture Property Group.   In part one of this two-part series, we dive into entrepreneurship, mindset, and the realities of building wealth through real estate investing. The conversation explores why financial freedom requires more than simply saving money, how continuous learning can transform your future, and why your daily habits and mindset matter more than most people realize.   We also break down current real estate investing opportunities, including HST rebates, development charges, market conditions, and whether now is actually the right time to invest.   In part two, we shift into the growing world of garden suites — discussing how investors can create additional income, increase housing supply, and unlock hidden value in existing properties through smart development strategies.   This episode is packed with practical investing insight, entrepreneurial perspective, and real-world advice for anyone looking to build long-term wealth through real estate.   Contact JG jg@visture.ca    This episode proudly sponsored by McMurter & Associates.    They are a real estate and estate law firm who can be your partner for every major legal event in your life. If you're planning an estate, selling or buying real estate, they can help with over 30 years of experience. Their objective is to prevent you from worrying about the legal aspect of your transactions. From the first meeting, McMurter will provide you with straightforward legal advice, and no surprises, including a legal bill you didn't expect.    Find them at: https://www.mcmurter.com   Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from!   Other Links: WATCH the podcast! https://www.youtube.com/@gary.hibbert

Greg Brady and Colin D'Mello, Global News Queen's Park Bureau Chief and host of Focus Ontario discuss: 1 - Ontario looking ‘very, very closely' at rise in sports betting, gambling commercials 2 - Ford government defeats NDP bill that would have cut HST on certain food items 3 - Life under conservatives isn't good enough, Navdeep Bains says, in pitch for Ontario Liberal leader 4 - On Focus Ontario this weekend: code of conduct laws for councillors, NDP grocery bill that was voted down Learn more about your ad choices. Visit megaphone.fm/adchoices

Greg Brady and Colin D'Mello, Global News Queen's Park Bureau Chief and host of Focus Ontario discuss: 1 - Ontario looking ‘very, very closely' at rise in sports betting, gambling commercials 2 - Ford government defeats NDP bill that would have cut HST on certain food items 3 - Life under conservatives isn't good enough, Navdeep Bains says, in pitch for Ontario Liberal leader 4 - On Focus Ontario this weekend: code of conduct laws for councillors, NDP grocery bill that was voted down Learn more about your ad choices. Visit megaphone.fm/adchoices

Why Entrepreneurs Need To Think Differently Right Now - JG Francoeur   In this episode I'm joined by entrepreneur and real estate investor JG Francoeur, founder of Visture Property Group.   In part one of this two-part series, we dive into entrepreneurship, mindset, and the realities of building wealth through real estate investing. The conversation explores why financial freedom requires more than simply saving money, how continuous learning can transform your future, and why your daily habits and mindset matter more than most people realize.   We also break down current real estate investing opportunities, including HST rebates, development charges, market conditions, and whether now is actually the right time to invest.   In part two, we shift into the growing world of garden suites — discussing how investors can create additional income, increase housing supply, and unlock hidden value in existing properties through smart development strategies.   This episode is packed with practical investing insight, entrepreneurial perspective, and real-world advice for anyone looking to build long-term wealth through real estate.   Contact JG jg@visture.ca    This episode proudly sponsored by Better Mortgage Select - https://bmselect.ca    Better Mortgages Select   Are you looking to create generational wealth and get one step closer to financial freedom? If the answer is YES, then Better Mortgage Select is the brokerage for you.  Better Mortgage Select has helped more real estate investors achieve financial freedom than any other mortgage brokerage in Canada.  They are expert financial planning consultants that allow investors to grow their portfolio and have a unique way of helping clients navigate through the different banks and lending options available. Contact them today for a free consultation and get started on what could be a life-changing journey. Don't just get a mortgage, get a BETTER MORTGAGE!"   email: info@bettermortgageselect.ca   Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from!   Private Investing, visit https://deep-pockets.ca    Tags:  #realestateincanada, #realestatepodcast, #realestateinvesting, #investingincanada, #geographicfreedom, #canadianrealestate, #canadianpodcast, #buyinghomes, #investmentproperties, #wealth, #howtobecomewealthy, #realestateboom, #explicit, #multifamilyhomes, #landlord, #purpose, #mistakes, #rental, #success, #entrepreneur

Noticias de Astronomía y Exploración del Espacio – MAYO 26, 2026. En este programa presentamos, comentamos y explicamos dos o tres noticias astronómicas y de exploración del espacio que fueron dadas a conocer en la semana, y que nos parecieron de particular relevancia e interés. Además, Pablo Lonnie Pacheco, de “Cielos Despejados,” nos presenta sus efemérides astronómicas. Esta semana: + 0) Peculiar galaxia lenticular NGC 1266 observada por el HST. https://phys.org/news/2026-05-hubble-reveals-rare-galaxy-million.html + 1) La super luminosa supernova 2017egm. https://www.sci.news/astronomy/fermi-superluminous-supernovae-14784.html https://phys.org/news/2026-05-nasa-fermi-glimpses-power-source.html https://science.nasa.gov/missions/fermi/nasas-fermi-glimpses-power-source-of-supercharged-supernovae/ https://www.aanda.org/articles/aa/full_html/2026/05/aa58547-25/aa58547-25.html + 2) Posible colisión de la Vía Láctea temprano en su formación y los efectos en el disco. https://www.sci.news/astronomy/gaia-sausage-enceladus-merger-14782.html https://phys.org/news/2026-05-galactic-collision-reset-milky-disk.html https://web.ub.edu/en/web/actualitat/w/galactic-collision-milky-way https://academic.oup.com/mnras/article/548/4/staf2154/8667673?login=false  

#canadianrealestate #canadianeconomy #realestateagents1. Book A Call With Us Here (It's absolutely free)

In this episode of Tank Talks, host Matt Cohen sits down with Jon Love, founder and executive chair of KingSett Capital, one of Canada's largest and most experienced private equity real estate platforms. A seasoned investor who has navigated multiple market cycles, Jon is known for his frank, unfiltered takes on Canadian policy, regulation, and capital deployment, and this conversation is no different.Jon shares his honest assessment of the federal government's newly announced $25 billion Canada Strong sovereign wealth fund, the push to fast-track major resource projects, and what's really holding Canada back: not a shortage of capital, but a shortage of permission. He also breaks down where the real estate market stands today across office, retail, industrial, and residential, and why he believes a sharp recovery is coming for those with the balance sheet to wait it out.Whether you're a developer, investor, policy watcher, or simply trying to understand what's actually happening in the Canadian economy, Jon Love delivers the kind of straight talk that cuts through the noise.Canada's $25 Billion Sovereign Wealth Fund: Progress or Déjà Vu? (02:48)* Jon's honest take on the Canada Strong fund and what's still missing* Why the real barrier to investment isn't capital, it's permission* Lessons from the Heritage Fund and what discipline looks like in practiceResource Fast-Tracking and the Major Projects Office (08:36)* The bull and bear case for Tim Hodgson's promise of 5–10 shovel-ready projects by spring 2027* What regulatory bottlenecks remain under the Carney government* Why Shell's takeover of Arc Resources signals renewed confidence and what still needs to happen nextInstitutional Capital Coming Home (14:50)* What's different about this wave of pension fund repatriation* OMERS, the Maple Eight, and why Canadian real estate returns are among the best in the world* The case for Canada as a technology superpower and why Jon is more optimistic than mostThe Real Estate Cycle: Where We Are and What's Coming (20:25)* Triple-A office as the surprise strongest asset class in the country* Why for-sale residential is in pain and why a sharp recovery is inevitable* How banks are behaving with stressed borrowers, and the Oxford story from 1992 that defined a strategyCreative Repurposing, Affordable Housing, and the HST Rebate (30:44)* Office-to-hotel conversions in Toronto and why adaptive reuse is just getting started* Why streamlining affordable housing approvals matters more than new funding programs* The HST rebate: right medicine, but the prescription still isn't writtenMedia, Trade Wars, and What Jon Would Tell Carney (33:24)* Why the Port of Vancouver's seven-day container turnaround vs. Dubai's seven hours is a symbol of a much bigger problem* How media fragmentation and social media have made constructive policy debate nearly impossible* The one frank piece of advice Jon would give Prime Minister Carney if he had 15 minutes: give permissionAbout Jon LoveJon Love is the founder and executive chair of KingSett Capital, one of Canada's leading private equity real estate platforms. With decades of experience across multiple market cycles, Jon has built a reputation for candid, principle‑driven commentary on Canadian policy, regulation, and investment. He is a former CEO of Oxford Properties and has been a key figure in shaping Canada's institutional real estate landscape. Beyond investing, Jon is known for mentoring young talent, championing affordable housing, and relentlessly advocating for cutting red tape.Connect with Jon Love on LinkedIn: https://www.linkedin.com/in/jonlovekingsett?originalSubdomain=caVisit KingSett Capital website: https://www.kingsettcapital.com/Connect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

Send us Fan MailIn this episode, Jeff Thomas, Group Head of Development at KingSett Capital, explains how the Canadian private equity firm invests in Canadian commercial real estate through development, joint ventures, and lending. He describes transitioning from brokerage (co-founding and selling Ashler Urban to Cushman & Wakefield) to development, emphasizing that long-term relationships, trust, transparency, and early delivery of bad news are critical to managing risk across KingSett's roughly 55 projects with a small internal team. Thomas discusses “premium risk-weighted returns” as achieving strong returns relative to managed, less volatile risk. He details Toronto's 50 Wilson Heights affordable-housing project (about 750 units in phase one, half affordable) on a prepaid ground lease, involving over 50 initial agreements, CMHC financing, and geothermal sustainability, and notes construction is in early structural work. He says Toronto condos are “dead” due to a large gap between resale and new-launch pricing, with development charges and HST seen as key barriers. He advises smaller builders to get close to customers and highlights modular/precast delivery at West Square as a path to speed, standardization, and affordability, while wishing policymakers would truly prioritize housing.00:00 Meet Jeff Thomas00:56 From Brokerage to KingSett03:17 Relationships and Trust06:55 Picking Deals and Pricing Risk10:06 Transparency Builds Trust13:14 Risk-Weighted Returns Explained15:30 Inside 50 Wilson Heights20:52 Construction Progress Update22:17 Lessons From 50 Agreements24:51 Condo Market Reality Check26:22 Costs Fees And Taxes29:36 Midrise Developer Playbook30:57 Know Your Customer First33:27 Modular Project Deep Dive35:04 Standardization Versus Red Tape41:44 Partnering With KingSett44:43 Trends To Be Optimistic48:22 Magic Wand Policy Wish#RealEstateDevelopment #PurposeBuiltRental #DevelopmentRisk #AffordableHousing #TorontoRealEstate For more information, please refer to RealEstateDevelopmentInsights.comTake our Free Assessment at: DevelopmentReadinessAssessment.com

Send us Fan MailIn this episode of The Last Honest Realtor, David Fleming breaks down the newly announced HST rebate on new homes, a policy dominating headlines across Ontario's real estate market.While the rebate promises savings of up to 13% for buyers, David explores the bigger question: does removing HST actually improve affordability, increase sales, or help the struggling development industry? Through economic history, housing policy analysis, and a candid discussion on taxation and government spending, this episode challenges whether the rebate will meaningfully impact housing prices at all.In This Episode:01:04 — What the new HST rebate actually is09:32 — The economics of tax cuts and government revenue13:12 — Why affordability may not improve16:40 — Demand reduction vs supply creation17:31 — How policy unintentionally made housing less affordable18:56 — The real cost of taxes and “free” government programs20:30 — Why the rebate may have little market impactSupport the showSubscribe and Follow:Toronto Realty Group WebsiteToronto Realty Group YouTubeToronto Realty Blog InstagramToronto Realty Blog TwitterToronto Realty Blog Facebook

The federal government has announced a new partnership with the Ontario provincial government that allows them to waive all HST on all new construction home purchases in Ontario! They've announced this as a method to make homes more "affordable" in Ontario.But will waiving the HST on all new construction homes actually make homes more affordable in Ontario?Matt and I breakdown who benefits from this new partnership, who stands to lose from this new partnership, and the potential of the federal government taking this program across Canada! Jason Paul 902-220-7357jason@infintiyrealestategroup.ca@jasonpaulhalifaxrealtor@halifaxrealestatepodcast Matt Legatto902-240-3304matthew.legatto@indimortgage.ca @mattlegatto.mortgages

This episode dives into some of the biggest questions buyers and sellers are asking right now—from whether it makes sense to jump into pre-construction with the new HST rebate, to the growing debate over whether that policy is really helping buyers or quietly supporting builders. We unpack the risks of trying to time the market in an uncertain economic environment, and how to think about pricing, incentives, and long-term value when conditions are shifting. We also discuss what's actually happening on the ground in today's market, including whether underpricing strategies still work for sellers and how much leverage buyers really have right now. The goal is to cut through the noise and give practical insight into how to navigate a market that feels increasingly unpredictable.

Noticias de Astronomía y Exploración del Espacio – ABRIL 28, 2026. En este programa presentamos, comentamos y explicamos dos o tres noticias astronómicas y de exploración del espacio que fueron dadas a conocer en la semana, y que nos parecieron de particular relevancia e interés. Además, Pablo Lonnie Pacheco, de “Cielos Despejados,” nos presenta sus efemérides astronómicas. Esta semana: + 0) Imagen de la Nebulosa Trífida en el 36o Aniversario del HST. https://www.sci.news/astronomy/hubbles-birthday-image-trifid-nebula-14707.html https://science.nasa.gov/missions/hubble/nasas-hubble-dazzles-with-young-stars-in-trifid-nebula/ + 1) Determinando los límites del disco de la Vía Láctea. https://skyandtelescope.org/astronomy-news/astronomers-find-the-edge-of-the-milky-way/ https://phys.org/news/2026-04-edge-milky-star-disk-revealed.html https://www.um.edu.mt/newspoint/learn/2026/theedgeofthemilkywaysstar-formingdiscrevealedinnewresearchco-authoredbyumprofessor.html https://www.aanda.org/articles/aa/full_html/2026/04/aa58144-25/aa58144-25.html + 2) 2)  ¿Hoyos negros antes del Big Bang? https://www.sci.news/astronomy/relic-black-holes-14704.html https://journals.aps.org/prd/abstract/10.1103/pr4p-6m49  

Prices aren't crashing, but almost everything just got cheaper. About 22% of new construction units have visible price cuts, but factor in the expanded HST rebate and roughly 90% of inventory is effectively discounted right now. Dan and Nick break down the data, the game theory keeping builders from cutting publicly, and why resale sellers are about to feel it first. EDMONTON MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE Realist.caSee omnystudio.com/listener for privacy information.

In this episode of The Truth About Real Estate Investing, we unpack three stories that look disconnected in the headlines — but together reveal where Canadian real estate is really headed in 2026.Ontario's HST rebate triggered a surge in new‑build sales, but the benefit for investors is far narrower than most realize — and the investor cutoff has already passed. In Alberta, especially Calgary, inventory is rising, rents are softening, and out‑of‑town investors are starting to walk away, despite the province's long‑term fundamentals remaining intact.We also dig into a recent FSRA enforcement ruling that exposed major failures in private and syndicated mortgage lending — and share hard lessons about why due diligence on people matters just as much as due diligence on properties.This episode is about cutting through hype, spreadsheets, and sales pitches — and focusing on cash flow, landlord‑friendly rules, and real risk. If you're investing (or thinking about investing) in Canada or looking beyond it, this conversation will challenge popular narratives and sharpen your decision‑making.Facts over headlines. Data over hype.

In episode 130 of The Canadian Private Lenders Podcast, Ryan and Neal take listeners inside the legal ecosystem that keeps private lending businesses running smoothly. From corporate structuring to enforcement, discover the key players business lawyers, real estate lawyers, enforcement experts, and more who protect your deals, investors, and long-term success. Plus, the hosts share their take on Ontario's development fee cuts and what it could mean for real estate markets nationwide.Show Notes:00:00 Ryan and Neal kick off episode 130 with some personal updates and light banter, Neal's ankle injury, “prison workouts,” and recovery struggles.02:08  Hot topic: Ontario's development fee cuts and housing market dynamics. The duo discuss government policy shifts, HST removal, and how these changes could impact construction activity and affordability.06:01 Introduction to the episode theme: the critical role of specialized lawyers in private lending and how they form a “legal ecosystem” behind every successful lender.08:51 Corporate and business lawyers: foundational setup for lending businesses. Ryan and Neal highlight shareholder agreements, tax structuring, and partnership alignment, plus the importance of spending wisely on legal fees.11:19 Real estate transaction lawyers: the daily deal enforcers. Discussion on loan documentation, mortgage registration, title searches, and why the paralegal handling your files can make or break a deal.15:36 Enforcement lawyers: when deals go bad. The hosts explore power of sale, receivership, and recovery strategies, emphasizing experience and speed.17:12 Securities and regulatory lawyers: securing your ability to raise capital through proper compliance, fund structure, and investor qualification.19:23 Additional legal specialists: tax, construction, insolvency, and employment lawyers. How each contributes to managing complex portfolios, large development projects, and staffing challenges.23:14 Final takeaways: you don't need one great lawyer, you need the right lawyer at the right time. Private lending is legal-heavy, and preparation beats panic every time.24:09 Wrap-up banter: a humorous segue into AI (and “Claude the lawyer”), plus an acknowledgment that even the best legal advice isn't a substitute for common sense.Resources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedIn: Neal AndreinoFind Ryan on:LinkedIn: Ryan MacNeilE-mail: ryan@keycap.ca

In a market defined by hesitation, policy is beginning to take center stage—and in this episode, the conversation cuts straight to the core of what may become one of the most consequential turning points in Canadian real estate: the era of housing bailouts.Across both Vancouver and Toronto, governments are no longer operating on the sidelines. They are stepping in—decisively—to stabilize a development sector under mounting pressure. As outlined, Metro Vancouver is now actively considering meaningful reductions to Development Cost Charges (DCCs).  The implications are significant. Whether through rolling back rates or freezing future increases, the goal is clear: restore feasibility, revive construction, and ultimately bring relief to buyers through lower end prices.But policy alone does not emerge in a vacuum—it responds to stress. And that stress is becoming increasingly visible.The episode highlights a growing wave of project insolvencies, including two major developments in the Fraser Valley totaling 680 homes that will now never be built. Behind those numbers lies a deeper economic ripple: approximately 1,500 jobs erased, millions of labor hours lost, and an estimated $75 million in wages removed from the local economy. This is not just a housing story—it's a full-scale economic contraction unfolding in real time, affecting everyone from tradespeople and architects to future homeowners and investors.And yet, amid the disruption, there are early signs that intervention may be working.Ontario's recent HST rebate—offering up to $130,000 in savings on new homes—has triggered an immediate surge in demand. Builders report sales volumes increasing as much as tenfold in some cases, with projects that once struggled now regaining momentum almost overnight. The critical question, however, is whether this represents a sustainable recovery or simply a short-term spike fueled by incentive-driven urgency.This hesitation is mirrored in the commercial real estate sector, where transaction volumes and dollar values have both declined significantly, with land sales—often the clearest indicator of future development confidence—falling nearly 50%.Meanwhile, national housing data paints a picture of stagnation. Sales remain flat, prices are trending downward, and inventory—while slightly elevated—is still below long-term averages. In British Columbia specifically, sales volumes sit 35% below the 10-year average, reinforcing just how subdued this market has become.Yet within this complexity lies opportunity.For buyers and investors willing to act strategically, this environment presents a rare alignment: soft pricing, rising incentives, and increasing government support. The advice is clear—focus on projects with strong completion certainty, layer developer incentives with government rebates, and position ahead of further policy shifts that may drive the next wave of demand.Because while the headlines focus on slowdown, the underlying story is far more nuanced.This is not simply a downturn—it is a recalibration. A market being reshaped by policy, constrained by economics, and ultimately setting the stage for those who can read between the lines and move before the momentum returns._________________________________ Contact Us To Book Your Private Consultation:

#canadianrealestate #canadianeconomy #realestateagents1. Book A Call With Us Here (It's absolutely free)

In today's live, we unpack why the market is still slower than the headlines suggest and what the HST rebate means for buyers right now. We dig into the HST rebate on new homes and what it actually means for buyers, how it's structured, who's likely to benefit, and why the impact on pricing isn't as straightforward as it sounds. We also look at what it signals for new construction and some key risks buyers should keep in mind before making a move. Despite the headlines, the market fundamentals remain weak, with sales still running well below normal levels across both houses and condos. Inventory remains elevated compared to historical norms, and prices have continued to ease from recent peaks. Timestamps: 00:00 Introduction 01:07 Market Stats 08:56 HST Rebat 19:25 On The Ground Questions 36:19 Mortgage Expert - David Larock Set-up a meeting with John Pasalis and his agents at Realosophy to discuss your own real estate questions privately: https://www.movesmartly.com/meetjohn Sign up for our email list to be alerted to the next online market update to join our YouTube session live chat and ask your own Qs: https://www.movesmartly.com/monthly-public-webinar We hope you enjoyed this month's update and found it valuable. Thanks for tuning in - we'll see you next month!

Get Back Up To $130K on New Homes - Allison McMurter   In today's episode, I'm joined by Allison McMurter to break down what's really happening with the new HST rebate changes.   With recent announcements from Doug Ford, buyers may now qualify for significant savings on new construction homes—but the details matter.   We cover who qualifies, how the rebate works, and what it means for pricing, timelines, and resale. We also dive into the legal nuances that many buyers and agents miss until it's too late.   If you're considering a new build or want to understand how these changes impact the market, this episode is a must-listen.   Contact Allison https://www.mcmurter.com https://www.instagram.com/mcmurterandassociates/   This episode proudly sponsored by Rent Panda.    Rent Panda helps landlords go from listing to lease without wasted time or headaches along the way. Rent Panda provides the do it yourself landlord an online platform where you can list your property absolutely free. If you want to you can post your ad on multiple platforms, see tenant profiles, message tenants, schedule showings, get credit checks and build leases quickly and easily.   Rent Panda also caters to the more passive landlord who needs to find a tenant. doing all of the leasing work, so all you have to do is sit back, relax, and get the best tenants presented to you.   Find them at: https://www.rentpanda.ca    Other Links: WATCH the podcast! https://www.youtube.com/@gary.hibbert   Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from!   Tags:  #realestateincanada, #realestatepodcast, #realestateinvesting, #investingincanada, #geographicfreedom, #canadianrealestate, #canadianpodcast, #buyinghomes, #investmentproperties, #wealth, #howtobecomewealthy, #legaladvice, #explicit, #multifamilyhomes, #accounting, #purpose, #tax, #HST, #success, #entrepreneur

Toronto and Vancouver's housing markets remain notably weak this month, with both cities continuing to see subdued sales and hesitant buyer activity. What stands out isn't just the slowdown itself, but how comfortable many buyers seem staying on the sidelines. In this month's Real Estate Roundtable, John Pasalis, Steve Saretsky, and David Larock unpack the factors reinforcing that caution. Rising interest rates, combined with ongoing geopolitical risks, are giving buyers plenty of justification to wait. Even those who are financially capable of purchasing are choosing patience, contributing to markets that feel stuck rather than competitive. We also take a closer look at the federal government's HST cut on new housing and what it actually means in practice. While the policy may support new housing starts at the margins, its more immediate impact could be on developers holding completed but unsold units. The change makes it easier for builders to sell these units to institutional investors at discounted prices, or to rent them out without triggering the same tax consequences they would have faced before. Overall, the discussion highlights a market that isn't just slow, but structurally constrained, where policy changes may ease pressure for developers without necessarily improving affordability or bringing buyers back into the market in the near term.

What actually qualifies as a “farm” for tax purposes, and why does it matter more than most people think? In this episode, Frankie and Sarah are joined by Bud Arnold, Tax Partner at Baker Tilly, to continue their conversation on Canadian farming tax rules, this time focusing on planning opportunities and how to access preferential tax treatments. This episode highlights how small structural and operational decisions can significantly impact long-term tax outcomes for farm owners and their families. Frankie and Sarah discuss: What the CRA considers a “farm” for income tax purposes, and how it differs from property tax or land transfer definitions Why eligibility depends on who is using the land and how it's being used How corporations and partnerships can play a role in qualifying for tax advantages Common mistakes that can disqualify farmland from the lifetime capital gains exemption Planning strategies to convert passive rental income into active farming income Challenges with mixed-use properties, including principal residence vs. farmland allocation How non-farming assets inside a farm corporation can create issues Additional considerations, like HST and land transfer tax, when selling or transferring farmland Resources: Farm Transfers Under the Income Tax Act: Planning for the Next Generation (Ep. 36) Connect with Frankie Loreto and Sarah Netley:  Courtice.BakerTilly.ca LinkedIn: Baker Tilly Canada LinkedIn: Frankie Loreto LinkedIn: Sarah Netley Call: (905) 579-5659 Connect with Bud Arnold: LinkedIn: Bud Arnold LinkedIn: Baker Tilly Canada About our Guest:  Bud Arnold is a Tax Partner at Baker Tilly, Elora, with a specialty in agriculture and farming. He works closely with farm owners on tax planning and succession strategies, helping clients navigate complex rules and access available tax advantages within the farming sector. 

Ontario and the federal government are rolling out new housing measures, including HST rebates on new homes and billions in infrastructure funding to cut development charges. Will these moves actually bring down prices and speed up construction, or are deeper structural fixes still missing?See omnystudio.com/listener for privacy information.

#canadianrealestate #canadianeconomy #realestateagents1. Book A Call With Us Here (It's absolutely free)

NDP and Liberal finance critics break down why Ontario's 2026 budget might not 'protect' Ontarians after all. Then, hosts Steve Paikin and John Michael McGrath unpack the latest suite of housing announcements that went beyond the HST exemption: an $8.8 billion fund to get municipalities to cut development charges and a new bill that would allow for smaller lots and impact local planning matters and housing development. And of course, Steve and JMM nod to the life and career of Ontario political icon Stephen Lewis and his legacy. See omnystudio.com/listener for privacy information.

For years, the Missing Middle team has advocated for reducing the tax burden on new construction. With pre-construction sales down 95% in some GTA markets, the industry has hit a wall where it simply makes no financial sense to build.In this week's episode, we answer some of the questions and misconceptions we've read online about the new HST rebate on new homes. Beyond the rebate, they explore bigger structural challenges like land costs, zoning, and competition in development. The key question remains whether this policy can meaningfully increase supply in a market that is still not functioning normally.If the goal is to improve affordability, the HST rebate may help, but it is only one part of a much larger housing problem.Chapters:00:00 - Gov Announces HST Rebate and Reduced Development Charges01:22 - Overview of HST Changes01:52 -  History of Previous Rental and Ownership Rebates02:58 - Expanding Eligibility Beyond First-Time Buyers05:32 - Addressing the "Demand Subsidy" Misconception07:25 - Will Developers Pass Savings to the Buyer?09:04 - The Impact on Land Values and the Need for Reform10:05 - Historical Comparison of Government Taxes and Fees11:26 - How Accurate are the Government Numbers?12:42 - Projected Impact and the One-Year Program Limit14:09 - Retroactive Eligibility and Final ThoughtsResearch/links:Doug Ford and Mark Carney to expand HST rebate to all new home buyershttps://www.thestar.com/news/canada/exclusive-ford-and-carney-to-expand-hst-rebate-to-all-new-home-buyers/article_55543d47-86b9-466d-bd17-6155c4d62097.htmlDoug Ford and Mark Carney to expand HST rebate to all new home buyers : r/canadahousinghttps://www.reddit.com/r/canadahousing/comments/1s3a8cs/doug_ford_and_mark_carney_to_expand_hst_rebate_to/Hosted by Mike Moffatt & Cara Stern & Sabrina MaddeauxProduced by Meredith MartinThis podcast is funded by the Neptis Foundation and brought to you by the Smart Prosperity Institute.

Ontario's 2026 budget is out. Finance Minister Peter Bethlenfalvy joins #onpoli to discuss the Ford government's spending choices, why it has not produced a balanced budget, and when it would ever raise taxes. Then, hosts Steve Paikin and John Michael McGrath zoom out and take a broader look at the government's plans: the HST exemption for home purchases, the province's overall fiscal health, electricity subsidies, and how transportation changes might make it harder for northern Ontarians to access Toronto - and why the government is fine with that trade-off. See omnystudio.com/listener for privacy information.

Ottawa and Ontario say they're teaming up to temporarily — but completely — remove the HST on new home purchases under $1 million, and give back up to $130,000 on new homes up to $1.5 million. Power & Politics talks to Ontario Housing Minister Robert Flack about how much it can turn around a slumping market. Plus, ahead of the party's leadership convention this weekend, MP and candidate Heather McPherson lays out her vision for reversing the party's 2025 electoral fortunes.

Jim Dunn, professor at McMaster University and director of the Canadian Housing Evidence Collaborative, weighs in on Ontario’s plan to temporarily boost HST rebates on new homes and whether it will actually help affordability. Jonathan English, infrastructure and transportation policy writer, joins the show to ask if TTC platform doors could save lives and money. The hour also opens the phones on whether the Air Canada CEO needs to apologize for a unilingual apology, and wraps with Dr. Tobias Cremer, MEP, on strengthening the EU‑Canada security and defence partnership amid global instability.

In this episode of Where Should I Invest, Sarah Larbi is joined by guest co-host Kelly Gong to interview Michal Wach, a real estate tax specialist who transitioned from a career in policing to helping investors navigate the complex world of Canadian taxes. Michal breaks down why “doing it yourself” is the fastest way to fall behind and why the CRA's new tools mean transparency is no longer optional. In this episode, Sarah, Kelly, and Michal discuss: The “Invisible” Partner: Why the CRA is always a partner in your deals and how to manage that relationship. AI and the CRA: How technology is making it easier for the government to find discrepancies. The HST Monster: Understanding why HST is never “your money” and the dangers of neglecting it. Personal vs. Corporate: When is the right time to move from owning properties in your personal name to a corporate structure? The Power Team: Why having a bookkeeper and a tax-specialist accountant is non-negotiable for growth. Common Pitfalls: The biggest mistakes investors make during tax season and how to avoid them. Michal Wach is the founder of Wach Tax Services. After building his own real estate portfolio and serving as a police officer, he realized his true passion lay in the “detective work” of tax strategy. He now specializes in helping Canadian real estate investors keep more of what they earn through smart planning and meticulous bookkeeping. To learn more and access past episodes, visit: https://sarahlarbi.com/podcast-home Connect with Michal Wach: Instagram: https://www.instagram.com/wachtaxservices/ Website: https://wachtaxservices.com/ LinkedIn: https://www.linkedin.com/in/michal-wach-cpa-ca-2955a37/ This episode has been brought to you in part by: Ryan DeLaurentis, Flip Savvy – flipsavvy.ca/webinar/ Matt Pickering, National Bank matthew.pickering@nbc.caDo you need help or ideas for your own real estate investing business? Reach out and let us support your journey www.sarahlarbi.com or email sarah@sarahlarbi.com The post Real Estate Taxes, AI Audits, and Staying Ahead of the CRA first appeared on Sarah Larbi Developments.

We cover a whole bunch of breaking news in this episode. Construction productivity is collapsing (−37% since 2001) amid a massive retiring workforce and small‑firm dominance, constraining new supply and raising costs. Affordability gains are concentrated in condos — not broad-based — while taxes, development charges and stalled starts (RESCON’s HST‑holiday pitch) risk deepening the supply shortfall. Financial and market stress is rising: power‑of‑sale listings are spiking in Ontario, rental affordability is worsening regionally (Nova Scotia worst), and growing private‑credit exposure could tighten financing for builders and buyers. Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management VANCOUVER MULTIPLEX EVENT TICKETS LISTEN AD FREE Realist.caSee omnystudio.com/listener for privacy information.

Send a textArchitects Jana Levitt (LGA Architectural Partners) and Sam Eby (executive director of the not-for-profit Rehousing) discuss helping “citizen developers” navigate multiplex housing development in Toronto, especially multiplexes. They explain why the process is complex even for professionals, how Rehousing visualizes options and breaks down steps, and why early decisions include renovation/addition vs teardown/new build, costs, financing, assembling consultants, and clarifying personal goals. They distinguish what's “possible” vs “viable” on a site, share rule-of-thumb lot dimensions for sixplexes, and highlight critical knock-ons like HST rebates, utility upgrades (e.g., transformers), committee of adjustment risk, and the misconception that “as-of-right” is a slam dunk. They also cover Part 3 Building Code thresholds, alternative ownership models, Jana's demonstration multiplex project lessons, and point listeners to rehousing.ca and torontorehousing.ca tools.What Is Rehousing?Empowering Citizen DevelopersFirst Steps for a SixplexPossible Versus ViableFeasibility Tool OverviewLot Size Rules of ThumbHidden Costs and Knock-OnsAs Of Right MythsNeighbours And VariancesRisk Tolerance StrategyBuilding Code ThresholdsAlternative Ownership ModelsCo-Ownership Mortgage RisksSelf-Development and CapitalFor more information, please refer to RealEstateDevelopmentInsights.com Take our Free Assessment at: DevelopmentReadinessAssessment.com

PART 2 Episode 184 with "Zulu Nurse" Ep. 184 Informed Is Powerful:Medical Racism, Advocacy & Sacred ResponsibilityThis conversation is layered. Historical and Necessary.In this episode of The Zen Effect Show…This is Part 2 with The Zulu Nurse  We talk about medical literacy and what happens when we don't have enough of it. We talk about medical racism  and what it actually looks like inside hospital walls. We talk about advocacy not as a buzzword, but as protection.And we name something deeper: if you are going to work in medicine, you must have a spiritual core strong enough to withstand the system without becoming it.This is education. This is accountability.Stay present. This one is medicine.How we can unintentionally are less medically literate  and why that matters.Why bringing someone into the room with you can protect your care.What real advocacy looks like in practice.What to do when you don't have a nurse or provider advocating for you.How to document, ask questions, and hold your ground in clinical spaces.How to speak up to colleagues in the medical field.What checking bias looks like in real time.Why silence inside institutions can cost lives.The historical medical experiments on Black people you need to know and why that history still shapes trust today.Why a spiritual core is essential in healthcareHow to stay human inside a system that can desensitize youHow nursing students can seek mentorship from The Zulu NurseHer sexual wellness drinks and the importance of holistic, culturally aware health solutionsFrom exploitative medical experimentation to modern-day disparities in pain management, maternal mortality, and diagnosis delays the throughline is clear: awareness is protection.Because our health is sacred. And sacred things must be guarded.Your are not difficult for asking questions.You are not dramatic for requesting clarity. You are not disrespectful for demanding better care.Your life is valuable. Your body is intelligent. Your voice is necessary.Bring someone with you. Take notes. Ask again.And if you work in medicine fortify your spirit so you can advocate for  your patients.Connect with The Zulu Nurse Interested in learning more about her work or the Yoni Potion sexual wellness drink? https://linktr.ee/zulunurseFor all things mentioned and all things "The Zen Effect Show" ⁠⁠⁠⁠ ⁠https://thezeneffectshow.komi.io⁠Tune into my LIVE Broadcast on⁠⁠⁠ ⁠WBNC⁠⁠⁠⁠ Break-N-Chainz Radio Tuesdays at 6pm EST 5 CST • 4 MST • 3 PST • 2 AKST • 1 HST 

Noticias de Astronomía y Exploración del Espacio – FEBRERO 24, 2026. En este programa presentamos, comentamos y explicamos dos o tres noticias astronómicas y de exploración del espacio que fueron dadas a conocer en la semana, y que nos parecieron de particular relevancia e interés. Además, Pablo Lonnie Pacheco, de “Cielos Despejados,” nos presenta sus efemérides astronómicas. Esta semana: + 0) Imagen de la nebulosa del Capullo en múltiples longitudes de onda. https://www.sci.news/astronomy/chandra-cluster-newborn-stars-cocoon-nebula-14558.html + 1) HST detecta una galaxia compuesta de mucha materia oscura. https://www.sci.news/astronomy/candidate-dark-galaxy-2-14566.html https://phys.org/news/2026-02-hubble-invisible-galaxy-dark.html https://science.nasa.gov/missions/hubble/nasas-hubble-identifies-one-of-darkest-known-galaxies/ https://iopscience.iop.org/article/10.3847/2041-8213/adddab Introducción a la materia oscura: https://arxiv.org/html/2411.05062v1 + 2) ALMA y JWST detectan distantes galaxias “polvorientas”. https://phys.org/news/2026-02-astronomers-links-galaxy-evolution.html https://www.umass.edu/news/article/international-team-astronomers-led-umass-amherst-may-have-just-found-one-missing-links https://iopscience.iop.org/article/10.3847/2041-8213/ae382a  

Noticias de Astronomía y Exploración del Espacio – FEBRERO 17, 2026. En este programa presentamos, comentamos y explicamos dos o tres noticias astronómicas y de exploración del espacio que fueron dadas a conocer en la semana, y que nos parecieron de particular relevancia e interés. Además, Pablo Lonnie Pacheco, de “Cielos Despejados,” nos presenta sus efemérides astronómicas. Esta semana: + 0) La Nebulosa del Huevo observada por HST. https://www.sci.news/astronomy/hubble-egg-nebula-14546.html https://phys.org/news/2026-02-hubble-captures-rapidly-dying-star.html https://science.nasa.gov/missions/hubble/nasas-hubble-captures-light-show-around-rapidly-dying-star/ + 1) Estrella se colapsa directamente a hoyo negro sin pasar por etapa de supernova. https://skyandtelescope.org/astronomy-news/astronomers-discover-second-failed-supernova-candidate/ https://phys.org/news/2026-02-supernova-clearest-view-star-collapsing.html https://www.science.org/doi/10.1126/science.adt4853 + 2) Evidencia de posible hoyo negro devorando una enana blanca https://phys.org/news/2026-02-einstein-probe-black-hole-white.html https://www.hku.hk/press/press-releases/detail/28931.html https://www.sciencedirect.com/science/article/pii/S2095927325013271?via%3Dihub  

The imminent winter storm developing off the Carolina coast is poised to deliver heavy snowfall and high winds, impacting regions from the Southern Appalachians through the Mid-Atlantic and into southern New England. As we traverse the breadth of the United States, we observe extreme cold conditions manifesting in South Florida, where officials have issued freeze warnings, and hazardous coastal impacts are anticipated. The National Flood Insurance Program is on the verge of expiration, necessitating vigilance for those reliant on its provisions. Our examination of the weather forecasts reveals a tapestry of conditions, with snow and wind warnings extending from the Midwest to the Northeastern states, ensuring widespread travel hazards. We conclude with a reminder to remain informed and prepared as these conditions evolve, prioritizing safety throughout the weekend ahead.Takeaways:* The weather forecast indicates a developing winter storm along the Carolina coast, bringing significant snow and high winds.* Florida is expected to experience a rare cold snap, with extreme cold freeze watches issued.* Heavy snow and coastal flooding risks are anticipated in the Mid Atlantic region due to an approaching storm.* Travel conditions are likely to be hazardous due to heavy snow and wind across several states this weekend.* Significant cold weather impacts are expected in the Southeastern regions with snow and low temperatures.* The National Flood Insurance Program is set to expire today, urging those reliant on it to be vigilant.Sources[NWS Fairbanks AFD | https://forecast.weather.gov/product.php?format=ci&glossary=1&issuedby=AFG&product=AFD&site=NWS&version=1][USGS | https://earthquake.usgs.gov/earthquakes/eventpage/us6000s5du][NWS OKX Briefing — updated this morning | https://www.weather.gov/media/okx/briefing.pdf][NWS Mount Holly Briefing — updated this morning | https://www.weather.gov/media/phi/current_briefing.pdf][NWS Miami AFD — 6:57 AM EST | https://forecast.weather.gov/product.php?format=CI&glossary=0&highlight=off&issuedby=MFL&product=AFD&site=NWS&version=1][NWS — Extreme Cold/Freeze Watches | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=MFL&wwa=extreme+cold+watch][AP overview | https://apnews.com/article/8a4498e73dcda031f94ca0bb6ac5489c][NWS GSP Briefing — 4:46 PM EST Jan 29 | https://www.weather.gov/media/gsp/YouTube/brief.pdf][NWS FFC Special Briefing — Jan 23 context | https://www.weather.gov/media/ffc/Briefings/January_2026_SpecialBriefing_01232026.pdf][NWS Honolulu Surf Zone Forecast — issued Thu night HST | https://www.weather.gov/hfo/SRF][NWS Chicago DSS Packet — 4:00 AM CST Jan 30 | https://www.weather.gov/media/lot/DssPacket.pdf][NBC Chicago context — this morning | https://www.nbcchicago.com/weather/winter-storm-watches-warnings-and-advisories-issued-for-chicago-area-with-days-long-period-of-lake-effect-snow/3883652/][NWS Chicago DSS Packet — 4:00 AM CST Jan 30 | https://www.weather.gov/media/lot/DssPacket.pdf][NWS Gray/Portland — page updated ~7:00 AM EST | https://www.weather.gov/gyx/][NWS LWX — page updated ~7:20 AM EST | https://www.weather.gov/lwx/][NWS Boston/Norton — current hazards page | https://www.weather.gov/box/][NWS Mount Holly Briefing — updated this morning | https://www.weather.gov/media/phi/current_briefing.pdf][NWS OKX Briefing — updated this morning | https://www.weather.gov/media/okx/briefing.pdf][NWS Raleigh Briefing — today | https://www.weather.gov/media/rah/briefing/NWSRaleighLatestBriefing.pdf][NWS Morehead City Briefing — today | https://www.weather.gov/media/mhx/LatestBriefing.pdf][NWS Mount Holly Briefing — updated this morning | https://www.weather.gov/media/phi/current_briefing.pdf][NWS GSP Briefing — 4:46 PM EST Jan 29 | https://www.weather.gov/media/gsp/YouTube/brief.pdf][NWS Nashville SitRep — 12:53 PM CST Jan 29 | https://www.weather.gov/media/ohx/briefing/SitRep.pdf][TEMA update — updated Jan 28, ongoing ops | https://www.tn.gov/tema/updates/2026-disasters/january-2026-winter-weather.html][NWS Wakefield Full Briefing — 3:45 PM EST Jan 29 | https://www.weather.gov/akq/brief] This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit emnetwork.substack.com/subscribe

Noticias de Astronomía y Exploración del Espacio – ENERO 27, 2026. En este programa presentamos, comentamos y explicamos dos o tres noticias astronómicas y de exploración del espacio que fueron dadas a conocer en la semana, y que nos parecieron de particular relevancia e interés. Además, Pablo Lonnie Pacheco, de “Cielos Despejados,” nos presenta sus efemérides astronómicas. Esta semana: + 0) Imagen detallada de nebulosa planetaria por JWST. https://phys.org/news/2026-01-intricacies-helix-nebula-revealed-webb.html https://www.sci.news/astronomy/webb-helix-nebula-14498.html https://science.nasa.gov/missions/webb/intricacies-of-helix-nebula-revealed-with-nasas-webb/ + 1) Descubren "barra" de fierro en la Nebulosa Planetaria del Anillo. ttps://www.sci.news/astronomy/iron-bar-ring-nebula-14488.html https://www.ing.iac.es/PR/press/ringnebula.html https://academic.oup.com/mnras/article/546/1/staf2139/8425243?login=false + 2) HST estudia las estrellas rezagadas azules. https://phys.org/news/2026-01-hubble-uncovers-secret-blue-straggler.html https://www.nature.com/articles/s41467-025-68159-5  

In this episode of Canadian Investing in the U.S., Glen sits down with Tim Miron, CPA, founder of Pursuit CPA, to walk Canadian investors through how to properly prepare for tax season, especially when dealing with cross-border real estate and business income. Tim explains why January–March is the ideal time to get organized instead of waiting until April, and highlights common bottlenecks that slow down tax filings. The discussion covers ITIN requirements, what documents accountants actually need (and what they don't), how to properly summarize rental income and expenses, and when large repairs should be reviewed more closely. The conversation also dives into cross-border reporting, including T1134 and T1135 filings, HST considerations for short-term rentals, Airbnb reporting rules, and why tracking exchange rates on major capital expenses matters. This episode is a must-listen for Canadian investors who want to reduce stress, avoid penalties, and make tax season smoother on both sides of the border.

Noticias de Astronomía y Exploración del Espacio – DICIEMBRE 30, 2025. En este programa presentamos, comentamos y explicamos dos o tres noticias astronómicas y de exploración del espacio que fueron dadas a conocer en la semana, y que nos parecieron de particular relevancia e interés. Además, Pablo Lonnie Pacheco, de “Cielos Despejados,” nos presenta sus efemérides astronómicas. Esta semana: + 0) Dos galaxias observadas por el telescopio espacial Euclid. https://www.sci.news/astronomy/euclid-visual-pair-galaxies-14445.html https://www.esa.int/ESA_Multimedia/Images/2025/12/Euclid_s_galaxy_garland + 1) Estudian sistema triple de galaxias con núcleo activo en proceso de fusion. https://phys.org/news/2025-12-radio-black-hole-trio-rare.html https://iopscience.iop.org/article/10.3847/2041-8213/ae2002 + 2) HST estudia el disco protoplanetario más grande observado hasta el momento. https://www.sci.news/astronomy/largest-protoplanetary-disk-young-star-14443.html https://phys.org/news/2025-12-chaotic-dracula-chivito-hubble-reveals.html https://science.nasa.gov/missions/hubble/nasas-hubble-reveals-largest-found-chaotic-birthplace-of-planets/ https://iopscience.iop.org/article/10.3847/1538-4357/ae247f  

Canada's Budget 2025 and its impact on housing policy. The hosts critique the $25 billion housing investment as insufficient, noting it includes infrastructure conditions, a limited GST rebate, immigration cuts, and controversial OAS spending — while the construction industry warns of job losses. The federal HST rebate on new homes up to $1 million only helps about 20,000 buyers per year nationwide — essentially a political soundbite rather than a broad affordability solution. BILD and the Large Urban Centre Alliance criticize the budget for relying on backward-looking data while new-home sales have collapsed 67-82% across major markets, warning that 100,000 construction jobs are at risk. Exchange-Traded Funds (ETFs) | BMO Global Asset Management UGLY SWEATER HOLIDAY PARTY LISTEN AD FREE free 1 week trial for Realist PremiumSee omnystudio.com/listener for privacy information.

Last week, the Salem City Council voted 6-3 in favor of accepting a $180,000 donation from the Salem Chamber of Commerce and Salem Main Street Association to address concerns about livability and crime. The donation will be used to double the size of the Salem Police Department’s Homeless Services Team from two to four officers. The team responds to unsanctioned homeless encampments and helps connect unsheltered people to wraparound services. In a letter sent to the city council, Salem police chief and the city manager, the business groups said they would consider making another $180,000 donation in six months after “evaluating the effectiveness of this investment.”    The city council had already approved last month spending more than $600,000 to expand the size of the HST and have it operate seven days a week instead of four. The plan also includes adding mental health specialists to respond to certain emergencies and increase trash pickup to seven days a week. The donated funds will now help offset those costs.    The council’s divided vote to approve that largely anonymous donation comes amid controversy over Salem Mayor Julie Hoy’s decision to join an effort to repeal HB3115. The state law requires local governments to keep regulations on camping on public property “objectively reasonable.”      Salem Statesman Journal city reporter Whitney Woodworth joins us for more details.  

High school brings exciting opportunities for deeper learning and personal growth. With the right tools, homeschooling through this stage can be both manageable and meaningful.In this episode, join Rebecca as she sits down with high school content specialist Robin Caminiti to talk about how Course Outlines can support both flexibility and academic success. Whether you're new to homeschooling high school or just looking for ways to stay organized and confident, you'll learn how these outlines work, how to make the most of the built-in resources, and how Sequoia Grove's team is here to support you every step of the way.This is a must-listen episode for any family navigating the high school years with creativity and confidence!Contact our Content Specialists:Robin: robin.caminiti@sequoiagrove.orgArpi: arpine.ovsepyan@sequoiagrove.orgYou can get a copy of Course Outlines from your HST or find them on the Bridge.

Canada's tax problem isn't just slow phones at the CRA—it's a century of bolt-on rules that made filing confusing, subjective, and expensive to administer. A new review found CRA contact centres gave accurate answers only 17% of the time during the 2025 tax season window, echoing long-standing issues flagged by earlier audits (including millions of dropped and blocked calls). This complicated tax system creates unnecessary bureaucracy, wasted money, unpaid taxes, and a subjective audit process that means you can pay more (or less) taxes depending on how well your auditor slept the night before.Hiring more agents won't fix a tax law that's impossible to interpret. Simpler rules will. In this episode, I sketch a path to simpler, fairer, faster taxes. First, a quick history lesson on why we have income taxes, and how they became a Frankenstein's monster of laws that no one can understand. This will show us that the problem is getting worse, and will keep getting worse until we have a major system overhaul. Then I'll get into solutions.I explore proven options from abroad:Pre-populated / return-free filing (pioneered by Denmark; now used in most OECD countries) to slash time, phone calls, and errors—already being piloted in Quebec for simple returns. Flatter, broader bases with minimal carve-outs (think Estonia's ultra-simple system) and NZ's broad-base/low-rate GST—models that raise revenue with less friction. Withholding-as-final for straightforward T4 earners, so most people don't file at all unless their situation is complex—borrowing design cues from the Nordics. Look, nobody wants to talk about tax until they have to. But when they do - and they have to every year - they hate everything about our tax system. It creates unnecessary frustration and anger. Nobody wants to deal with the CRA, and nobody wants to work for the CRA either. Why would they?Many people who don't pay taxes do it out of frustration - they just give up. They're not evil; they're just overwhelmed. Tax filings have become a game.I'm not anti-tax; I'm anti-waste. My companies happily pay millions of dollars in corporate taxes annually. Its employees add another 1M in income taxes to our society, and you can add HST on top of all of it. What I want is less money burned collecting taxes and more money spent on services. If Canadians want better healthcare, safer streets, and a clearer deal with citizens, we should push for tax simplification, not just bigger call centres.Sources:CRA call centres: 17% accuracy (Feb–May 2025); prior audits on access/accuracy. Investment Executive+1Canada's income tax history (1917 “temporary” tax). The Canadian EncyclopediaProvincial/territorial corporate tax—CRA administers most; exceptions Quebec & Alberta. Canada.caPre-populated returns (Denmark origin; 28 OECD countries). Tax Policy CenterQuebec simplified / pre-filled return pilot (2025 filing for 2024 year).

David Wilkes, President & CEO of the Building Industry and Land Development Association, breaks down the sharp decline in GTA new-home and condo sales—now sitting at just 20 % of the ten-year average—and how high government fees, taxes, and costs threaten future supply and 40,000 construction jobs. Why Wilkes believes HST relief and rate cuts could bring buyers back and how Canada's housing slowdown stretches from Toronto to Vancouver, Calgary, Edmonton, and Montreal. Defining “affordable housing” without eroding existing homeowners' equity, and the structural fixes needed to revive confidence. Mark Sudduth, veteran hurricane chaser and founder of HurricaneTrack.com, reports from the Caribbean on Hurricane Melissa, one of the strongest Atlantic storms on record—its devastation in Jamaica, the threat to Cuba and the Bahamas, and how new AI-driven forecast models like Google DeepMind helped track it with unprecedented accuracy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you own a Canadian private practice and are finding it hard to attract clients? Have you found yourself with your head in your hands, trying to figure out how to stand out and get noticed?  Over the last few months, I've been tweaking my marketing strategies to test what works and what doesn't, and along the way, I have found some helpful results.  In the following podcast episode, I'll be sharing my discoveries and tips with you.  In this episode:  The situation in Canada right now  It's often said but still true: niche  Splitting the niches with staff  Maintaining Psychology Today profiles  Keep up to date with AI practices  The situation in Canada right now  If you have been listening to my recent interview episodes with guests, you will have heard a lot of Canadian therapists pointing out one thing: the market is saturated.  ‘Over the past couple of years, our profession has tripled! Which is so great for people who are trying to find a therapist, but it can lead to some challenges when it comes to marketing your private practice.' - Jules Smith So, today, I wanted to share a few tips with you that I'm using myself to stand out from the crowd! It's often said but still true: niche  ‘Niching is so important and I feel sometimes like a broken record to always bring it up in the podcast, but it is so important!' - Jules Smith  Three important things happen when you niche down in your Canadian private practice: Clients instantly know that you're the right fit Other professionals can refer to you more easily because you're a specialist rather than a generalist  You can use it to tailor your marketing message  If you want to learn more about nichings, feel free to listen to this episode of the Fearless Practice Podcast, which dives in deep!  Splitting the niches with staff  Instead of giving long lists about all the ways in which we can help our clients, we decided to reorganize our approach in this way: we each have three specialties, and we share two specialties.  Now, when someone goes to our practice website's menu, they can see exactly which therapist can help them with what, making it easy to find and decide who to reach out to.  Maintaining Psychology Today profiles  The next thing is to monitor and make sure your social media profiles, and especially therapy directory pages like Psychology Today, are consistently updated Also, Psychology Today recently added HST for Canadian therapists using the platform, meaning that it costs more money to have a profile on their directory. So make sure that your Psychology Today profile is worth it to have! If you want to get involved and elevate your Psychology Today profile, making it look sharp and effective, you can check out this podcast episode for the full scope of advice. Keep up to date with AI practices Disclaimer: I use WordPress because I love that I own my website (unlike website builders)s. If you want to learn more about this, you can listen to this episode about my journey with WordPress.  Now, one of the things that you can do on your WordPress website is to add an LLMS.txt file. It has been designed to help AI assistants know what your website is all about.  ‘This file is designed to help AI tools like ChatGPT, Claude, and Gemini better understand your website, especially when they are answering questions about it.' - Jules Smith  Connect with me: Instagram Website  Resources mentioned and useful links: Ep 175: Marta Evans: Mastering Growth in Canadian Private Practice | EP 175  Learn more about the tools and deals that I love and use for my Canadian private practice Sign up for my free e-course on How to Start an Online Canadian Private Practice Jane App (use code FEARLESS for one month free) Get some help and freebies on your website with WordPress!  Rate, review, and subscribe to this podcast on Apple Podcasts, Spotify, Amazon, and TuneIn

In this solo episode, I take a deep dive into the muscle-building philosophies that defined mid-2000s bodybuilding—programs like Max-OT, DoggCrapp Training, HST, and the classic bro split. I break down what those approaches got right, what still holds up today, and how we can blend that old-school intensity with the smarter, more individualized methods we use now. This episode is part nostalgia, part practical guide. If you miss the days of bodybuilding message board debates and training like a maniac, or you're just looking for a way to reignite your progress, this one's for you. Sit back, relax, and enjoy!    Sign up for the newsletter: https://kylehuntfitness.beehiiv.com/subscribe   Coaching: http://www.kylehuntfitness.com/services/   Training Programs: https://kylehuntfitness.shop/collections/programs   Get 10% OFF PR Breaker Supplements: DISCOUNT CODE: "HUNT" at https://www.prbreaker.com/discount/HUNT