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Patrick Knowlton: Vince Foster WitnessPatrick Knowlton, a lifelong Democrat who voted for Bill Clinton in 1992, stopped in Fort Marcy Park to relieve his bladder just hours before White House Deputy Counsel Vincent Foster's body was found. Little did he know that his life would never be same.Knowlton saw another car with Arkansas license plates in the parking lot, but not Foster's. He also was alarmed by the menacing-looking occupant of that vehicle.However, Knowlton's statement was completely misrepresented by the FBI. When he went public with his protests, strange things started happening around Knowlton. He experienced systematic harassment on the street witnessed by two reporters. When he was called before Independent Counsel Kenneth Starr's grand jury, he was pummeled by the prosecutor.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.
April 11, 2025 - Federal Conservative and Liberal leaders campaign in BC, with provincial overdose prevention sites suddenly becoming an election campaign issue. And BC has a brand new political party, called CentreBC, which officially launches to try and appeal to voters who want a middle-ground choice between the BC NDP and BC Conservatives. In audio extras, a discussion about the so-called fudge-it budget scandal with $3 billion in missing revenue from the carbon tax. Host Rob Shaw is joined by Jillian Oliver, Jeff Ferrier and special guest Carlie Pochynok from Hill & Knowlton. Brought to you by Uber Canada.
Dan Knowlton didn't plan to build a top-performing content agency by dressing up in wigs and fake mustaches — but that's what helped him stand out.In 2015, Dan and his brother Lloyd launched their marketing agency, Knowlton, from a spare room in their parents' house. No roadmap. No fancy setup. Just two brothers figuring it out as they went. What changed everything? Defining clear roles, setting long-term goals, and creating content people actually want to watch."It has taken us so much longer to get to where we are now than I thought at the start point," Dan says, reflecting on the patience and persistence it took to grow a sustainable business.In this episode of Be A Marketer, host Dave Charest talks with Dan about growing from chaos to clarity. They unpack how to align your marketing with your strengths, what most small businesses get wrong about content, and why measuring results will sharpen your focus.You'll hear how Dan treats his agency like a client, how one strategy helped them double in size, and what Dan thinks every small business owner should start doing today.Additional Resources:Getting started with the Automation Path BuilderUsing Constant Contact SEO toolsHow to Set Up an Effective Automated Welcome Email Series (with Examples)Set up to automatically resend to contacts who don't open their email feature in Constant ContactMeet Today's Guest: Dan Knowlton of Knowlton Marketing☕ What he does: Dan Knowlton is the Co-Founder and Chief Marketing Officer of Knowlton, a UK-based marketing agency he started with his brother in 2015. The duo is known for blending creativity with strategy to create content people actually enjoy. Knowlton has worked with major brands like the BBC, Nestlé, and Constant Contact.
Canadians have been bracing for a trade war with U.S. President Donald Trump for months—and this week, it might actually kick into high gear. Washington has already imposed 25-percent tariffs on imported steel and aluminum, and is expected to add auto parts to the list as early as April 3. These acts are having devastating effects on Canada's economy—especially Canadian entrepreneurs. Many domestic business owners are pivoting. Some are focusing more on the Canadian market. Others are looking to expand in Europe and Australia. At least one Jewish business owner in Quebec moved his product assembly to Vermont, helping him keep his Canadian factory open. On today's episode of The CJN Daily, we check in with two Canadian Jewish business owners, who give us their perspective on the trade war. Noah Tepperman is the co-owner of Tepperman's, a furniture and appliance retail chain headquarted in Windsor, Ont., celebrating its centennial this month; and Michael Wiesel joins from Knowlton, Quebec to explain how he's trying to save his DIY craft kit business, Kiss Naturals, which relies on U.S. customers for 80 percent of its business. Related Links Hear how this Vancouver kosher grocer prepared to handle expected tariffs on imported U.S. Passover foodstuffs (which have since been exempted) on The CJN Daily. Why tariffs might send more Jewish poor to food banks, in The CJN. Credits Host and writer: Ellin Bessner (@ebessner) Production team: Zachary Kauffman (producer), Michael Fraiman (executive producer) Music: Dov Beck-Levine Support our show Subscribe to The CJN newsletter Donate to The CJN (+ get a charitable tax receipt) Subscribe to The CJN Daily (Not sure how? Click here)
Free For All Friday - Hour 1 Amanda Galbraith breaks down today's biggest stories with Canada's top newsmakers. On today's show: The Liberals are surging past the Tories into majority territory, but there are some serious caveats to this batch of data. Shachi Kurl of the Angus Reid Institute breaks down the numbers for us. Should I renew my mortgage? Should I buy a new house? Ian Lee from Carleton University's Sprott School of Business digs into a complex housing market as the federal election looms large. Free For All Friday - Hour 2 Hosts from all over the country join the roundtable to discuss this week's five biggest news stories. Attending today's session are public affairs consultant Bob Richardson and Chris Day of Hill and Knowlton. Ready or not, here comes a federal election! Prime Minister Mark Carney is expected to drop the writ on Sunday, with either late-April or early-May serving as the next Voting Day. What are the primary strengths and weaknesses for each party? More importantly, which topic will determine who forms government? In regards to their communication strategies, have the Liberals and Tories both fumbled the football? As a testy trade war continues with the Trump administration, is Canada in unavoidable danger of an economic recession? In light of today's economic uncertainty, are you shelving any major purchases?
We're sharing our episode a few days early this week and it contains two segments. Jay Ward Hunger Strike First up, a recent interview with James “Jay” Ward. Jay was featured in a show about a year ago: he went into prison at 15 years old in Ohio and has been in for 19 years at this point. He participated in the 2018 Nationwide Prisoner Strike as well as other self-advocacy protests since and is trying to raise funds with his outside supporters to pay for a lawyer to help him win his release as his mandatory minimum date comes up next year. When this was recorded, Jay was 11 days into a hunger strike demanding a return of his personal items and a transfer to a space where he won't be targeted for violence by gangs, alongside a couple of other requests listed in his letter at the end of this post. You can hear how tired he is from subsisting only on water for the last week and a half, struggling to keep focus and concentrate on the conversation throughout our chat. You can find his gofundme for updates and ways to donate. If you want to support his hunger strike, his supporters are requesting people call between 9am and 5pm central time (Mon-Fri) the following numbers to voice concern for the safety and conditions of James Ward A517461 on hunger strike : Mansfield Correctional Institution at 419-525-4455 and ask to talk to Warden Harold May the Central ODRC office at 614-387-0588 At the bottom of our show notes you can find Jay's public announcement of his circumstances and requests. You can also email your concerns to drc.manci@odrc.state.ohio.us as well as to the ODRC Director Annette Chambers-Smith (via annette.chambers-smith@odrc.state.ohio.us ). Jay is wanting people to reach out to contact him via his mailing address (below) or JPay.com (using the info in his mailing address): James Ward A517461 Ohio Department of Rehabilitation and Correction Mail Processing Center (OMPC) 884 Coitsville-Hubbard Road Youngstown, Ohio 44505 Antifascist Voices in Europe Then you'll hear an interview conducted by our comrades at crna luknja in Ljubljana, Slovenia with antifascists countering neonazi demonstrations in Budapest, Hungary, and Sofia, Bulgaria. This was featured in the latest episode of B(A)D News from the A-Radio Network, a monthly podcast from a network that we affiliate with and worth checking out for “angry voices from around the world”. Finally, you'll hear Sean Swain's promise for a brighter, goldener era for the USA (and subsequently the world) Announcements Malik Muhammad Phone Zap There's a phone zap currently on to move 2020 "Palestinian pansexual Muslim... anarchist antifascist, anti-racist abolitionist" prisoner Malik Muhammad out of solitary confinement at Snake River Correctional in Oregon. Call Snake River Correctional with the following demands weekdays between 9am and 5pm pacific time: Return Malik to general inmate population; Restore communications rights and mail; Return all books and possessions immediately; End the persecution now! Master Control: 541-881-5018 Superintendent: 541-881-5002 Inspector: 541-881-5081 Chaplains: 541-881-4624, 541-881-4625, 541-881-4626, 541-881-4686 General Line: 541-881-5000 Please write to Malik and let him know you stand with him! Malik Muhammad #23935744 Snake River Correctional Institution 777 Stanton Blvd Ontario, OR 97914-8335 *Note*: Please include page numbers and return addresses on each page because the prison typically does not give inmates the envelopes. Update on Fund Raising and supporting TFSR A quick update to the patreon request we made in recent episodes: We're back where we were a month ago, covering the basic costs. Big thanks to those who stepped up to help! We have other costs beyond that (printing and mailing our small contribution to prisoner zines per month, replenishing our stickers, equipment upgrades) that we could also use support in if you have a few bucks a month. We have that patreon with it's early audio releases and other thank-yous, or anonymized payments via liberapay that can be one-time or recurring. We also have a big cartel store with some merch and can take payments via venmo and paypal. These are linked at https://thefinalstrawradio.noblogs.org/donate If you appreciate the work we do but don't have the extra money, the best way to contribute is to get involved in face to face organizing where you are, integrating movements against oppression and capitalism into your life and brings others along with you since we can't get there without each other. If you want to support the podcast without money, you can spread word about the podcast by getting in touch, offering up graphic skills, helping us proof our transcripts, talking about us to friends, incorporating our zines or episodes into a discussion group, sending zines to prisoners, rating us on google and apple podcasts or spreading word on social media. We also take audio submissions and if you're interested in getting involved, the production and interviews don't get us paid but they open up avenues to talk to authors about their ideas as well as raise awareness and involvement in social struggles and pick up the skills along the way. And if you live in a place with a community radio station, public radio station or college radio station and want to hear us on the airwaves, get a few friends together and reach out to suggest our free, weekly radio show and hopefully some of the ideas will filter out to your neighbors. More info at our Radio tab. Thanks for listening! Statement from Jay on his conditions This is Jay's letter to the head of the Ohio DRC: Dear Annette chambers-smith This is James Ward from ManCI. The last time I wrote to you I had explained a lot to you that has been going on here concerning my safety. And after that letter the administration got mad at me for going to you because they have not been trying to do anything to really ensure my safety here at Mansfield. And I'm writing you again because I don't know who else to go to with my recent situation and concerns, because nobody has been helpful. And currently, my safety is back at risk. About 7 months ago right before the admin got the letter I sent you, UMC Henry got me placed in unit 4B (the faith based block here), mainly for my safety concerns. Every block that I've been put in since I been here, I've became a victim to gangs and have also got a hit put on me, which UMC Henry and the rest other admin doesn't want to believe although they seen and heard proof. So it makes it to where I have to go on PC invest, suicide watch or hunger strike to ensure my safety. But I honestly don't like being in the hole unless I legitimately did something wrong. So my current situation is that I am on hunger strike to ensure my safety, but also for other reasons that I will explain. When I got put in 4B, its an inmate that the unit refers to as frank (4B/128 bottom) and they basically let him control the operation of the block. How? He's been in that block for a long time and manages the faith base programs, etc. But due to the reputation he has built up with the unit staff, Sgt Knowlton and others believes everything he tells them. So when I first got moved over their, I was honestly selling food to people that didn't have any. But frank went to the unit and told them that I was selling drugs to try and get me moved out of the block. The unit called me over and talked to me about it and I stopped selling food for awhile. I was do in everything I was required to do and haven't got no ticket. Recently, I was trying to organize a group meal for people that really didn't have much. And an inmate named Green wanted to be involved. But when I told Green that a prisoner support group was going to do a fundraiser to raise the money for the meal he backed out. He then went to inmate frank and told frank that I was trying to scam people and get them outside cases. Franks celly told me that frank said this and was going to put a stop to what I was doing. Next thing you know I'm on the list to move out of the block ( I was sent to 2B). I then sent a kite to Sgt. Knowlton and basically asked him why I got moved and also told him things that frank and others are doing in that block, but he disregarded everything I told him and only told me "you were doing too much, use your imagination". So I then kited UMC Henry and told him what happened and he said he'd look into it. But before Henry could let me know anything, my Cally told me that someone wanted him to take the hit on me. I then went on suicide watch to ensure my safety. Because PC invest has not gotten me anything and they put you in a cell with someone else that can have their family look you up. That's what people do here (sneak thru your stuff to find your ID number and have their family look you up). And I also started my hunger strike because I know that the admin won't do anything to help me. Recently, henry talked to me and said that he will investigate what happened in 4B, but that a hunger strike isn't how I will get moved back. But for me to go to a regular block while he investigates. And I get it that a hunger strike is not the way to get moved back, but I refuse to go to a regular block where my safety will be at risk. Henry wanting me to go to a regular block while he investigates is like saying go get jumped on while I look into this. 4C is the only block here that I will be safe in, because its the intake block (all of the new people that don't know anything about e hit on me goes to that block), but Henry will not put me there. During the time that I was on PC invest before I got moved to 4B, I found out that property of mine came up missing from the TPU vault. While I was in TPU I was writing complaints on LT. Brooks and Sgt. Risner for not allowing me to do my 2.4. The end result was that the active AIIS at the time (B. Lower) and the IIS D. Blankenship falsified a modified response to my complaint to make it seem like I was lying and that they found the items in my cell. But 2 days before Lower came to search my cell, I was called to the inspectors office concerning my lost property because someone in your office wanted to know what property was I talking about in my complaint. So I told them everything and that a theft report was filed. But the theft report was not put on onbase yet, so lower had to contact the block officer that wrote it (officer Comstock). So they called me back up to the inspectors office and offered to reimburse me with $42+ on my commissary and a few items from contraband. So I told them I'd think about it. They called me back up the next day and I told them I didn't want it because they wouldn't replace everything I was missing. So the next day after that is when lower came to search my cell. And when he left he told me that I should have taken the deal. After that, IIS Blankenship wrote 13 false statements in her modified response, which is a criminal offence that I can prove with the paperwork that I have. And now they have lower walking around as a Lt. Blankenship was already caught falsifying state documents in Darryl Smith' lawsuit. I been 5 years R.I.B ticket free. 3 of those years was when I was in level 4. I been here 2 years with no real trouble. The first year when I went up for my security review it was said that I needed time to adjust. This past year when I went up, the admin recommended level decrease. But then I find out that I didn't get my level dropped, because an incident that took place 8 years ago and isn't true. The BOC said that my level decrease was denied because I tried to kill a staff. I've never been a threat to anybody since I been locked up. And the time that they referred to is when I had just got put in a regular cell on suicide watch. They didn't have a crisis cell to use. So the cuff port had to stay open. And I had joked with the officer saying that I found a razor, so without really knowing if I had one he sprayed me in the face with OC. So they removed me from the cell to clean it, but they never found a razor. And I told them not to put that officer back on my watch cuz he sprayed me for no reason, and I was honestly mad. But they put him back on my watch. So to try and get him off my watch, in a fast motion I acted like I was reaching out to grab him. He was too far from the door for me to grab or anything, but he wrote me up saying that I tried to cut him with a razor. And they never allowed me to go to my R.I.B or SMP hearing. But that happened 8 years ago. And majority of that time since then I have continuously show a dramatic change in my behavior with no R.I.B tickets. I believe the only reason my level decrease was denied is because UMC Henry contacted someone in your office to find something that they can use against me to hold me here. Because I have wrote complaints against Henry and wrote that letter to you. And he knows how much I been wanting to leave this prison, but he won't transfer me even though my safety is continuously at risk here. Lastly! I have chronic damage in both of my shoulders that causes them to be able to dislocate if I'm not paying attention to how I use my arms, mainly only when it comes to having my arms outstretched or if I have to climb something. The last time I was placed on the top bunk, my left shoulder dislocated when I was trying to climb up. I feel backwards and busted my head open on a dresser, then on the floor. And that is in my medical record from when I was at W.C.I. And since then, I have had many other dislocations that is in my medical record. I was given bottom rack restriction each time, but I never really needed it since I been at level 4. Since I been here I been trying to get it back but medical tells me its not required for my injuries. They gave it to me for 3 months and that was it. If my shoulder dislocates while trying to climb onto the top bunk and I bust my head open again, then I can sue the medical department for negligence and deliberate indifference because I have told them about my chronic dislocations and they choose not to do anything about it. All I ask for: 1) My property to be replaced 2) My bottom bunk restriction 3) My level decreased so I can leave ManCI 4) If I can't get 3, then I ask to be placed in 4C for the remaining time that I'm at ManCI These are reasonable request and within reason.
REVIVAL
Free For All Friday - Hour 1. Host Amanda Galbraith breaks down the biggest stories of the day with Canada's top newsmakers. On today's show: Nik Nanos, Chief Data Scientist and Founder of Nanos Research joins Amanda to discuss the new polling conducted by Nanos on which leader Canadians would prefer to negotiate with Donald Trump. David Adams, President of the Global Automakers of Canada to discuss what took place at the summit hosted by Justin Trudeau about bolstering the economy in the face of Canada’s rapidly changing relationship with its largest trading partner. TSN Football Insider Dave Naylor joins Amanda live from New Orleans to set the stage for Super Bowl Sunday. Free For All Friday - Hour 2. Hosts from all over the country join the roundtable to discuss the five biggest stories of the week. This week's show features panelists Sharan Kaur, Former Deputy Chief to Bill Morneau, Chris Day, Senior Vice-President and Ottawa General Manager, Hill and Knowlton and Bob Richardson, senior counsel at National Public Relations. PANEL TOPICS: Topic 1: Canadians pick Mark Carney over Pierre Poilievre, Chrystia Freeland and Karina Gould to negotiate with Donald Trump: Nanos survey Topic 2: Everything tariffs – We’re in a 30 day reprieve, how should we prepare now? Topic 3: Ontario Election. All the ingredients to make an interesting dish, but does anyone care?
Dan Knowlton, the co-founder of Knowlton, has delivered millions in trackable sales for some of the world's leading brands. In this episode we discuss: How he grew Knowlton from working with micro business to big brands Learning from mistakes Having your dad as a non exec How to write marketing reports Working with Barry from Eastenders Why nostalgia never gets old When campaigns win for clients Dan Knowlton Dan Knowlton, the co-founder of Knowlton, accidentally discovered a game-changing marketing strategy in 2017 called 'Advertainment' that has delivered millions in trackable sales for some of the world's leading brands. Starting with humorous videos crafted in a spare room with his brother, now co-founder Lloyd, Knowlton has propelled brands like Wahl, BBC Storyworks, and Sunny D to new heights. Additionally, Dan shares his insights as the co-host of the Business Anchors podcast & on stages around the world. Find Dan on LinkedIn or via his company website, https://knowltonmarketing.co.uk/ Links Sunny D campaign My First Million Podcast Strategy Masterclass with Seth Godin I'm doing a series of strategy masterclasses with Seth Godin in 2025. If you use code Eximo (capital E) then you'll be able to grab a ticket for £225 instead of the full rate of £265. You get to work with Seth, who will be joining remotely from his NYC studio, with me in the room and the team from Horrible Brands to help out with brand strategy. These events have been put together by the Event Queen Treena Clarke. Tickets available from here. Show Page Find the full episode home page, including a transcript here: https://eximomarketingstrategy.com/relaunching-an-icon-with-dan-knowlton-strategy-sessions-podcast/
Happy Holidays dog people. Among the hustle and bustle we're happy to bring you a great conversation with Mike Knowlton the multi-instrumentalists from the innovative post-punk project Unlettered who is not only a dog dad to a senior English Cocker Spaniel and ex-show dog Jack but was also a fosterer for over 40 dogs when he resided in New Jersey. punkrockphilosophy.com called Unlettered's latest release Five Mile Point, "an unholy trinity of influences—Polvo, Sonic Youth, and Lungfish- and the result is intriguing, challenging and immersive." Hear it now on Bandcamp. Mike chose to give a shout out to Home for Good Dogs Rescue, a non-profit organization headquartered in Berkeley Heights, NJ, who rescue dogs from high-kill shelters in the South, transport them North, and give them a second chance at life. Since their inception, they have rescued over 12,000 dogs and given them loving homes for good. To adopt, foster, volunteer or donate visit homeforgooddogs.org For more pics and clips of all our guests and their dogs follow us on Instagram at rockerdogpodcast
ROOTED
Segment 3, October 26th, 2024 We try to prepare for the seasons appropriately on the Carolina Outdoors & one of those seasons is already in affect across both Carolinas. It's deer season in the Carolinas. Rydr Knowlton has recently been featured in a recent Gray's Sporting Journal magazine, he's the co-host of the adventure travel podcast Untamed Pursuits, & the author of The Guides – A Collection of Untamed Stories as well as a Storyteller alum at the sponsor, Jesse Brown's, Charlotte's local outfitter store. Show Highlights: Preparation for the season. Scouting the land, trail cams, & getting your gear ready Scent-free clothing helps mask "human scent" when your in the woods. Visual, Noise, & Odor are important to manage. Set-up for where to hunt is important & tree-stand & harness safety are important Hunter & Gun Safety are the most important part of a hunter Deer season in both Carolinas mean 3 different things. Archery---that's right bow and arrow Muzzleloader or Blackpowder season, which are antique guns, and then rifle season which opens in NC's east in mid October & central and west in mid-November. Here are the Regulations for Deer Season 2024 in SC. The three mean three sets of skills and demands for hunters. Technology helps but the hunter still has to make the shot Things You'll Learn by Listening: Hunting out west is wide-open and stands are not as prevalent as the ever-popular southeast. This is due to the density of growth that the hunter is hunting. The Carolina Outdoors is powered by the Charlotte fly shop, Jesse Brown's
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
Oral Arguments for the Court of Appeals for the Seventh Circuit
Kathryn Knowlton v. City of Wauwatosa
In this podcast episode, Dr. Jonathan H. Westover talks with Robert L. Dilenschneider about his book, Character: Life Lessons in Courage, Integrity, and Leadership. Robert L. Dilenschneider formed The Dilenschneider Group in October, 1991. Headquartered in New York and Chicago, the Firm provides strategic advice and counsel to Fortune 500 companies and leading families and individuals around the world, with experience in fields ranging from mergers and acquisitions and crisis communications to marketing, government affairs and international media. Prior to forming his own firm, Dilenschneider served as president and chief executive officer of Hill and Knowlton, Inc. from 1986 to 1991, tripling that Firm's revenues to nearly $200 million and delivering more than $30 million in profit. Dilenschneider was with that organization for nearly 25 years. Dilenschneider started in public relations in 1967 in New York, shortly after receiving an MA in journalism from Ohio State University, and a BA from the University of Notre Dame. Check out all of the podcasts in the HCI Podcast Network! Check out the HCI Academy: Courses, Micro-Credentials, and Certificates to Upskill and Reskill for the Future of Work! Check out the LinkedIn Alchemizing Human Capital Newsletter. Check out Dr. Westover's book, The Future Leader. Check out Dr. Westover's book, 'Bluer than Indigo' Leadership. Check out Dr. Westover's book, The Alchemy of Truly Remarkable Leadership. Check out the latest issue of the Human Capital Leadership magazine. Each HCI Podcast episode (Program, ID No. 655967) has been approved for 0.50 HR (General) recertification credit hours toward aPHR™, aPHRi™, PHR®, PHRca®, SPHR®, GPHR®, PHRi™ and SPHRi™ recertification through HR Certification Institute® (HRCI®). Each HCI Podcast episode (Program ID: 24-DP529) has been approved for 0.50 HR (General) SHRM Professional Development Credits (PDCs) for SHRM-CP and SHRM-SCPHR recertification through SHRM, as part of the knowledge and competency programs related to the SHRM Body of Applied Skills and Knowledge™ (the SHRM BASK™). Human Capital Innovations has been pre-approved by the ATD Certification Institute to offer educational programs that can be used towards initial eligibility and recertification of the Certified Professional in Talent Development (CPTD) and Associate Professional in Talent Development (APTD) credentials. Each HCI Podcast episode qualifies for a maximum of 0.50 points.
In this Knowlton Nugget, Dan and Lloyd as they dive into the latest marketing trends. They talk about Box Bollon, a company making waves with its sports products. You'll hear how they gamified their product and partnered with celebrities like Tyson Fury and Khloe Kardashian to boost their success.Dan and Lloyd discuss the effective use of low-production, user-generated content (UGC) and its authentic appeal. They debate the costs and benefits of celebrity endorsements and the importance of balancing UGC with high-production content.Full episode - E165: Our Biggest F*ck Ups Of 2023 & What We Learnt
Former Share 'N Dipity becomes Bakehouse at Maple Lake: https://www.richlandsource.com/2024/08/05/former-share-n-dipity-becomes-bakehouse-at-maple-lake/ Today - a favorite local bakery, known for its sourdough bread and baked goods, is undergoing a change in ownership. Share 'N Dipity, which has been a staple at 287 Taylor Road since 2019, will soon reopen as the Bakehouse at Maple Lake under new management.Support the show: https://richlandsource.com/membersSee omnystudio.com/listener for privacy information.
In this Knowlton nugget, Dan and Lloyd dive into a bizarre marketing 'fail' by North Face. They discuss a viral TikTok where a woman criticized her North Face jacket for not being waterproof and the brand's unexpected response that missed the mark on multiple fronts. Instead of addressing the issue, they amplified the negative feedback, raising questions about their sustainability claims and brand strategy. Dan and Lloyd break down what went wrong and what North Face could have done better to turn this PR nightmare into a positive outcome.Full episode - E165: Our Biggest F*ck Ups Of 2023 & What We Learnt
Thanks for tuning in to this Friday edition of RealAg Radio! Host Shaun Haney is joined by Lyndsey Smith of RealAgriculture and Meagan Murdoch of Hill & Knowlton for the RealAg Issues Panel. They discuss a number of topics, including: Canada’s Olympic uniforms; Spying and spraying by drone; The U.S. election’s impact on Canadian agriculture;... Read More
Thanks for tuning in to this Friday edition of RealAg Radio! Host Shaun Haney is joined by Lyndsey Smith of RealAgriculture and Meagan Murdoch of Hill & Knowlton for the RealAg Issues Panel. They discuss a number of topics, including: Canada’s Olympic uniforms; Spying and spraying by drone; The U.S. election’s impact on Canadian agriculture;... Read More
In this Knowlton Nugget, Lloyd shares a key lesson about managing risk. He recounts a challenging period when their business faced a gap between projects, leading to a significant financial loss. This experience revealed the vulnerabilities of a project-based income model.To prevent future issues, they've diversified their income with more retainers and introduced a mix of full-time and freelance team members for flexibility.The takeaway? Manage risks by diversifying income and adopting flexible resource strategies.Full episode - E165: Our Biggest F*ck Ups Of 2023 & What We Learnt
Dan and Lloyd discuss the tendency to put off tasks that can drastically improve productivity and quality of life in the long run. They highlight the concept from the book "Eat That Frog," which emphasizes tackling the biggest and most difficult task first each day. Dan shares his personal experience of procrastinating on upgrading his computer, only to find immense benefits once he finally did it.The takeaway? Stop delaying important tasks that will save you time and effort in the future.Full episode- E165: Our Biggest F*ck Ups Of 2023 & What We Learnt
The Mission of Baptist Health Foundation of San Antonio is committed to honoring God and their Baptist heritage by fostering and funding health initiatives in our community. President and CEO Cody Knowlton hosts his own podcast called Together For Good where Pastor Sean was a recent guest. Pastor Sean now honors their work, and their support for Real Life Community Outreach.
The Mission of Baptist Health Foundation of San Antonio is committed to honoring God and their Baptist heritage by fostering and funding health initiatives in our community. President and CEO Cody Knowlton hosts his own podcast called Together For Good where Pastor Sean was a recent guest. Pastor Sean now honors their work, and their support for Real Life Community Outreach.
Dan shares a hilarious mishap over the Christmas period involving a cheese grater. He confesses to mistakenly using a foot grater for his favorite snack, cheese on toast.Amid laughter, Dan and Lloyd discuss the importance of paying attention to details and how even small mistakes can lead to memorable stories.Tune in for a good laugh and a reminder to always double-check your kitchen tools!Full episode- E165: Our Biggest F*ck Ups Of 2023 & What We Learnt
Phil Soper, president and chief executive officer, Royal LePage, discusses why renters still want to buy a home despite the costs. Video interview can be seen here. Phil Soper PRESS RELEASE TORONTO, June 20, 2024 /CNW/ – One third of Canadians live in rental accommodations, and that figure has been gradually increasing in recent years, as affordability challenges in the resale market persist. According to a recent Royal LePage survey, conducted by Hill & Knowlton, 27 per cent of Canadians who currently rent their home say they plan to purchase a property in the next two years. Among those aged 18 to 34, that figure jumps to 40 per cent. Meanwhile, 69 per cent of renters say they do not plan to buy a home in the near future. Among them, more than half (54%) do not feel their income will be sufficient to afford a property in the area where they wish to live (61% among respondents aged 18 to 34). “The rental sector is not immune to the significant affordability challenges stemming from Canada's acute housing shortage. High mortgage rates have made it difficult for many to purchase a home, forcing some to move into, or remain longer than planned, in the rental market,” said Phil Soper, president and chief executive officer, Royal LePage. “Despite a short-lived decline in prices and demand for rental units during the height of the COVID-19 pandemic, the available supply of rental properties in most major markets remains ultra low.” Of renters who say they plan to buy within the next two years, half (50%) say they will have a down payment of less than 20 per cent. Twenty-six per cent say they will put 20 per cent down, while 15 per cent say they will have a down payment of more than 20 per cent. In Canada, mortgage insurance is required for homes purchased with less than 20 per cent down. When asked how they will come up with their down payment, 53 per cent of respondents said they will use savings accumulated over the years, while 46 per cent said they will take advantage of the First Home Savings Account (FHSA), and 29 said they will draw on their RRSPs using the Home Buyer's Plan (HBP). Twenty-five per cent said they will use a financial gift from family or an inheritance. Respondents were able to select more than one answer. Forty-four per cent of renters planning to purchase in the next two years believe they will be able to afford a home in their current city of residence, while 37 per cent do not. Among those who don't believe they can buy in their current location, 40 per cent say they will have to travel more than 50 kilometres to buy within their budget, while 21 per cent believe they will have to search for a property within a 31-50 kilometre radius and 18 per cent say they would need to look within a 16-30 kilometre radius. Only 9 per cent of respondents are confident they could buy within 15 kilometres of their current location. According to the Royal LePage 2024 Most Affordable Canadian Cities Report, 50 per cent of people living in the greater regions of Toronto, Montreal and Vancouver, say they would consider relocating to a more affordable city, if they were able to find a job or work remotely. Among renters in these regions, 60 per cent say they'd be willing to relocate, while 45 per cent of current homeowners say they would consider it. “We know that Canadians widely consider home ownership a worthwhile long-term investment and a quintessential part of the Canadian dream. So much so, that many are willing to relocate in order to make their home ownership dreams a reality. This is especially true for young Canadians and those who have remote work flexibility. I believe we will continue to see migration from southern Ontario and high-priced regions in B.C. to more affordable markets across the country in the future,” said Soper. Nearly a third of renters hoped to buy prior to signing their lease Before signing or renewing their current lease, 29 per cent of Canadian renters say they considered purchasing a property. Among them, 41 per cent say the lack of a sufficient down payment led to their decision to rent instead. “While a third of Canadian adults are currently renting, and there are families who are perfectly content doing so, the desire for home ownership remains strong among a large portion of this segment of the population. Our latest research reveals that a material number of renters wish to transition to home ownership. Understandably, the greatest barrier to entry is the ability to drum up the initial capital for a down payment,” continued Soper. When asked about the motivating factors behind their decision to continue renting rather than buy, approximately one third of respondents said they were waiting for interest rates (33%) and property prices (30%) to decrease. Twenty-two per cent said they are continuing to rent while saving for a down payment, and 20 per cent said they did not qualify for a mortgage. Respondents were able to select more than one answer. “Earlier this month, the Bank of Canada announced its first rate cut in more than four years. Falling borrowing costs will lower the threshold to qualify for a mortgage, helping renters become owners. However, this creates a double-edged sword. Increased competition as they enter the market will put additional pressure on property values. While some will wait for home prices to become more reasonable, Canada's housing shortage will leave them waiting indefinitely,” added Soper. Rising rents and low vacancy rates Nearly four in ten Canadian renters (36%) spend up to 30 per cent of their net income on monthly rental costs. Meanwhile, roughly the same amount of renters (37%) spend between 31 and 50 per cent of their income on rent, and 16 per cent spend more than 50 per cent. In Canada's most expensive housing markets, Vancouver and Toronto, the proportion of renters who spend more than half of their income on rental costs increases to 27 per cent and 19 per cent, respectively. That figure dips to 10 per cent in Montreal. According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent nationally for a two-bedroom unit in October 2023 was 8.0 per cent higher than a year prior. Vacancy rates sat at 1.5 per cent and 0.9 per cent, respectively, for purpose-built rental buildings and condominium apartments. “From coast to coast, Canadians are struggling with housing affordability in the wake of one of the most aggressive interest rate hike campaigns in history. Across many regions, rental demand vastly exceeds supply, making affordable housing a challenge. The housing industry and government must collaborate on innovative solutions to increase inventory, including rentals, and support those most impacted by these escalating market conditions,” concluded Soper. The 2024 federal budget, released on April 16th, announced several measures intended to more effectively protect tenants and strengthen their path to buying real estate. In addition to a renewed commitment to incentivize purpose-built rental buildings, a highlight was the creation of the Canadian Renters' Bill of Rights, which proposed a national standardized lease agreement and the disclosure of a property's rental price history. In addition, and perhaps most intriguing, this bill also proposed a recommendation for financial institutions to allow tenants to report their rental payment history to credit bureaus in order to better their credit scores, thereby strengthening their future mortgage applications. Royal LePage 2024 Canadian Renters Report – Data Chart: rlp.ca/2024-Canadian-Renters-Report-Chart ATLANTIC CANADA In Atlantic Canada, 28 per cent of renters say they considered buying a property rather than renting before signing or renewing their lease. Looking ahead, 22 per cent say they plan to purchase a property in the next two years, while 59 per cent will not. “The rental market is shifting. Construction of purpose-built rental properties has drastically increased as the city's population continues to grow. Government programs and development incentives have encouraged the creation of new rental supply in Halifax. Newer buildings tend to attract newcomers who are not able to qualify for a mortgage right away, but want a high-quality place to live as they get established,” said Scott Moulton, sales representative, Royal LePage Atlantic in Halifax, Nova Scotia. “We saw a wave of residents from Ontario and other parts of the country come to the East Coast during the height of the pandemic. And, as was the case in the resale market, rental prices were also pushed up as demand swelled. This mass migration has since died down.” Moulton added that institutional landlords are the predominant supplier of rental stock in the Halifax region, particularly downtown. Rising interest rates have not had a profound impact on property management companies who have been able to cope with elevated costs compared to smaller-scale or individual landlords. According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Halifax for a two-bedroom unit in October 2023 was 11.0 per cent higher than a year prior. The vacancy rate in purpose-built rental buildings remained extremely low at one per cent. Among renters living in Atlantic Canada, 29 per cent spend up to 30 per cent of their net income on monthly rent costs, while 38 per cent spend between 31 and 50 per cent of their income, and 24 per cent spend more than 50 per cent. “There is a desire to build rental supply in Halifax, but permitting and application approvals are both time consuming and expensive,” said Moulton. “More rental inventory is required to ease the region's housing supply shortage, but it will take many years for such buildings to be completed.” Royal LePage 2024 Canadian Renters Report – Data Chart: rlp.ca/2024-Canadian-Renters-Report-Chart QUEBEC July 1st is known as moving day in Quebec, the province with the highest percentage of renters per capita in Canada.5 Leading up to this date, 28 per cent of Quebec renters say they considered buying a property rather than renting before signing or renewing their lease. Among them, 42 per cent say they are waiting for property prices to go down, 41 per cent are holding off for interest rates to decrease, and 37 per cent say the lack of a sufficient down payment led to their decision to rent instead. Respondents were able to select more than one answer. Looking ahead, 22 per cent say they plan to purchase a property in the next two years, while more than half (58%) will not. Of those planning to purchase, 40 per cent believe they will be able to afford to buy a property in their current city of residence. Of those not planning to purchase a property in the next two years, 51 per cent say it is because they do not believe their income will allow them to afford the property they desire. “The results of this survey highlight the challenges faced by Quebec renters in the current context of a housing supply shortage,” said Geneviève Langevin, residential and commercial real estate broker, Royal LePage Altitude in Montreal. “However, the desire to become a homeowner persists for many, despite the financial obstacles, which is encouraging since this trend will continue to put pressure on public policy-makers to create housing that meets demand and population growth.” According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Montreal for a two-bedroom unit in October 2023 was 7.9 per cent higher than a year prior.6 Vacancy rates sat at 1.5 per cent and 1.3 per cent, respectively, for purpose-built rental buildings and condominium apartments. While 2023 saw record low housing starts in Quebec, CMHC expects the province to see a more vigorous increase than elsewhere in Canada in 2024.7 However, new residential developments will remain too few to meet growing demand. “The gradual easing of interest rates, which began with the first cut in the Bank of Canada's key lending rate on June 5th, should stimulate construction in the rental market. However, this expected increase in housing starts will not have an immediate impact on the province's housing supply,” said Langevin. “I'm pleased to see that the various levels of government have begun to think together about alternatives for rapidly increasing housing supply. Unfortunately, the results of these concerted efforts will take time to materialize.” Royal LePage 2024 Canadian Renters Report – Data Chart: rlp.ca/2024-Canadian-Renters-Report-Chart ONTARIO In Ontario, 30 per cent of renters say they considered buying a property rather than renting before signing or renewing their lease. Among them, 47 per cent say the lack of a sufficient down payment led to their decision to rent instead. Twenty-eight per cent say they are waiting for property prices to go down, while 26 per cent are holding off for interest rates to decrease. Respondents were able to select more than one answer. Looking ahead, 31 per cent say they plan to purchase a property in the next two years, while nearly half (49%) will not. Of those planning to purchase, 43 per cent believe they will be able to afford to buy a property in their current city of residence. Of those not planning to purchase a property in the next two years, 61 per cent say it is because they do not believe their income will allow them to afford the property they desire. “For many, renting is an inevitable step on the path to home ownership, as saving to buy a home in one of Canada's most expensive cities can take many years,” said Gillian Ritchie, broker, Royal LePage Real Estate Services Ltd. in Toronto. “In recent years, we have noticed a much-needed increase in purpose-built rental supply in the city. Currently, Toronto's rental market is flush with one- and two-bedroom condos for lease, but does not have an adequate inventory of decent larger units or freehold rental accommodations. This has made it increasingly difficult for families to find suitable rental housing, whether they are waiting for the right time to buy a home or are looking for a temporary residence amid relocation or renovations.” Ritchie added that young professionals and students make up a large part of Toronto's renter demographic. Walkability is a top priority for renters attending post-secondary institutions, while others desire access to amenities, entertainment and their place of work. According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Toronto for a two-bedroom unit in October 2023 was 8.7 per cent higher than a year prior.8 Vacancy rates sat at 1.5 per cent and 0.7 per cent, respectively, for purpose-built rental buildings and condominium apartments. By comparison, the average rent in Ottawa for a two-bedroom unit in October 2023 was 4.0 per cent higher than a year prior. Vacancy rates sat at 2.1 per cent and 0.4 per cent, respectively, for purpose-built rental buildings and condominium apartments, according to CMHC. Among renters living in Ontario, 35 per cent spend up to 30 per cent of their net income on monthly rent costs, while 36 per cent spend between 31 and 50 per cent of their income, and 18 per cent spend more than 50 per cent. “Many investors bought rental units at the onset of the pandemic amid the record-low interest rate environment, and took advantage of low borrowing costs by purchasing multiple properties. As mortgage carrying costs have materially increased over the last two years, we have noticed some investors offloading their units, potentially reducing available rental stock,” noted Ritchie. “Meanwhile, new developments are bringing more inventory to the rental market and putting downward pressure on prices in some communities. With rates now on the decline, we anticipate that many current renters will step into the resale market as the threshold to qualify for a mortgage begins to ease. However, further rate cuts are needed for this trend to fully materialize.” Royal LePage 2024 Canadian Renters Report – Data Chart: rlp.ca/2024-Canadian-Renters-Report-Chart MANITOBA & SASKATCHEWAN In Manitoba and Saskatchewan, 44 per cent of renters say they considered buying a property rather than renting before signing or renewing their lease. Looking ahead, 36 per cent say they plan to purchase a property in the next two years, while 34 per cent will not. “The pandemic was a pivotal turning point for the rental market. Before COVID-19, one-bedroom rentals were in high demand. Now, as working from home has become more common, renters' need for more space has grown. However, the desire to be close to downtown and have access to conveniences both within their neighbourhood and their rental buildings remains strong,” said Laura Foubert, sales representative, Royal LePage Dynamic Real Estate in Winnipeg, Manitoba. “Winnipeg rental prices have increased over this past year as landlords and property managers aim to make up for price freezes implemented during the pandemic. Meanwhile, incentives like move-in bonuses, parking spots and top-tier amenities, are being offered on new developments to attract quality, long-term tenants.” Foubert added that many current renters are downsizers who have sold their homes and chosen to rent to avoid the upkeep of home ownership – many have no intention of buying another property. According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Winnipeg for a two-bedroom unit in October 2023 was 4.4 per cent higher than a year prior.9 Vacancy rates sat at 1.8 per cent for both purpose-built rental buildings and condominium apartments. By comparison, the average rent in Regina for a two-bedroom unit in October 2023 was 7.9 per cent higher than a year prior. Vacancy rates sat at 1.4 per cent and 1.8 per cent, respectively, for purpose-built rental buildings and condominium apartments, according to CMHC. Among renters living in Manitoba and Saskatchewan, 50 per cent spend up to 30 per cent of their net income on monthly rent costs, while 36 per cent spend between 31 and 50 per cent of their income, and nine per cent spend more than 50 per cent. “Some individuals are renting until they buy their first home, while others are renting purely because they enjoy the simplicity and convenience of the lifestyle,” said Foubert. “Demand for rentals is expected to remain strong for the foreseeable future.” Royal LePage 2024 Canadian Renters Report – Data Chart: rlp.ca/2024-Canadian-Renters-Report-Chart ALBERTA In Alberta, nearly a third of renters (29%) say they considered buying a property rather than renting before signing or renewing their lease. Looking ahead, 27 per cent say they plan to purchase a property in the next two years, while 45 per cent will not. “The rental segment has been in transition these past few years. We came out of a balanced market that had healthy vacancy levels and robust demand, and headed into a crunch starting in the spring of 2022. We are now in a scenario where multiple offers on rental properties are being seen more frequently, a new phenomenon in Calgary,” said Andrew Hanney, sales representative and property manager, Royal LePage Mission Real Estate in Calgary. “Demand for rentals in Alberta has been coming from all directions, including residents relocating from Ontario and British Columbia in search of a lower cost of living. One-bedroom apartments have some of the highest vacancy rates, as many renters are choosing to live in larger units with roommates in order to lower their monthly living expenses. This has created difficulties for families looking for multi-bedroom rental options.” Hanney added that purpose-built rentals were common in the 1980s and 1990s, but faded from popularity as developers focused their attention on building condominiums for ownership. Now, developers are creating purpose-built rentals once again, in response to increased market demand and a series of new government incentives. According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Calgary for a two-bedroom unit in October 2023 was 14.3 per cent higher than a year prior.10 Vacancy rates sat at 1.4 per cent and 1.0 per cent, respectively, for purpose-built rental buildings and condominium apartments. By comparison, the average rent in Edmonton for a two-bedroom unit in October 2023 was 6.4 per cent higher than a year prior. Vacancy rates sat at 2.4 per cent and 2.5 per cent, respectively, for purpose-built rental buildings and condominium apartments, according to CMHC. Among renters living in Alberta, 39 per cent spend up to 30 per cent of their net income on monthly rent costs, while 34 per cent spend between 31 and 50 per cent of their income, and 17 per cent spend more than 50 per cent. “Many young Albertans look at housing differently – for those who do not want the responsibility of home ownership, renting is an intentional choice, one that suits their needs and lifestyle,” noted Hanney. “However, there remains an important cohort of Albertans for whom renting makes the most financial sense, while they save up to buy a home. As interest rates continue to fall, we will see more tenants move out of rentals and into home ownership.” Royal LePage 2024 Canadian Renters Report – Data Chart: rlp.ca/2024-Canadian-Renters-Report-Chart BRITISH COLUMBIA In British Columbia, 26 per cent of renters say they considered buying a property rather than renting before signing or renewing their lease. Looking ahead, 27 per cent say they plan to purchase a property in the next two years, while 52 per cent will not. “With a boost in rental supply in Vancouver, competition in this segment is improving, although affordability remains a challenge for tenants facing some of the highest rental prices in the country. Still, demand to live in one of Canada's most popular cities remains consistent,” said Nina Knudsen, property manager,11 Royal LePage Sussex in North Vancouver. “Empty nesters and working professionals make up a significant portion of our renter demographic, as do tenants who are landlords themselves. It is not uncommon for renters to buy an investment property in a less expensive market and lease it out while they continue to save towards the purchase of a primary residence.” Knudsen added that tightening provincial legislation on rentals has caused some would-be landlords to step out of the market, a potential challenge for the creation of rental supply. According to the latest Rental Market Report by the Canadian Mortgage and Housing Corporation (CMHC), the average rent in Vancouver for a two-bedroom unit in October 2023 was 8.6 per cent higher than a year prior.12 Vacancy rates sat at 0.9 per cent for both purpose-built rental buildings and condominium apartments. By comparison, the average rent in Victoria for a two-bedroom unit in October 2023 was 7.9 per cent higher than a year prior. The vacancy rate in purpose-built rental buildings sat at 1.6 per cent, according to CMHC. Among renters living in British Columbia, 23 per cent spend up to 30 per cent of their net income on monthly rent costs, while 42 per cent spend between 31 and 50 per cent of their income. Twenty-five per cent of renters spend more than 50 per cent of their net income on rent, well above the national average of 16 per cent. “As interest rates have increased over the past two years, higher monthly carrying costs have put considerable strain on entrepreneurial landlords, prompting some to offload their units onto the resale market,” said Knudsen. “With rates now beginning to trend downward, some investors may be seeing a light at the end of the tunnel. However, the most recent rate cut by the Bank of Canada will not be enough to encourage those landlords from selling their properties if further cuts are not made in the near future.” Royal LePage 2024 Canadian Renters Report – Data Chart: rlp.ca/2024-Canadian-Renters-Report-Chart Royal LePage resources for aspiring homeowners: To help aspiring homeowners, Royal LePage has published a number of online resources available at the following links: From renter to homeowner: Your complete guide to home ownership in a competitive real estate market 8 new housing policies announced in the 2024 federal budget Real estate terminology 101 Expert Q&A: What you need to know about buying a property pre-construction 6 tips for a seamless moving day Saving for your first home? Here's what you need to know about Canada's First Home Savings Account (FHSA) What is the Home Buyers' Plan? Get matched with Your Perfect Neighbourhood! About the Survey Hill & Knowlton used the Leger Opinion online panel to survey 1,506 Canadians, aged 18+, who rent their primary residence. The survey was completed between June 7th and June 10th, 2024. Representative sampling was done across all provinces (Atlantic provinces were aggregated). Weighting was applied to ensure representation between and within provinces, according to 2021 household renter census figures. No margin of error can be associated with a non-probability sample (i.e., a web panel in this case). For comparative purposes, though, a probability sample of 1,506 respondents would have a margin of error of ±3%, 19 times out of 20. 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 #CanadasNumberOnePodcastforEntrepreneurs #entrepreneurs #entrepreneurship #Homeownership #Homes #Housing #RealEstate #small business
Dan recalls a past experience that taught him a valuable lesson, qualifying for an opportunity. Both Dan and Lloyd come to an understanding that not all opportunities are worth all your time.Stop chasing every opportunity without knowing if you are the right solution for them, take your time to ask yourself important questions!Full episode - E161: Skyrocket Your Sales: Discover 5 Techniques That Drove £125K+ In Sales Last Month
Dan and Lloyd teach us the importance of real, authentic relationships in the marketing world and how these relationships have benefitted their business.So stop rehearsing your lines at your next networking event and make real relationships!Full episode - E161: Skyrocket Your Sales: Discover 5 Techniques That Drove £125K+ In Sales Last Month
Join Dan and Lloyd as they dish out some juicy insights about the importance of customer perception using the example of Cameo apples.Lloyd opens up about his past slip-ups in not effectively communicating their successes, turning his blunders into valuable lessons for your own business ventures. The key takeaway from this Nugget? Communicate! Full episode - E161: Skyrocket Your Sales: Discover 5 Techniques That Drove £125K+ In Sales Last Month
Lloyd doesn't hold back as he critiques Dan's segueing abilities and his tendency to interject with excited gasps. In short, this Nugget is just Dan receiving criticism from his brother or as Lloyd would call it 'brotherly love'.Have you noticed Dan doing this?Full episode - E161: Skyrocket Your Sales: Discover 5 Techniques That Drove £125K+ In Sales Last Month
Dan and Lloyd reflect on a past guest's perspective on business dilemmas. Robbie Knox from the Happy Hour podcast shares his thoughts on choosing between financial success in a dull industry or mediocrity in an enjoyable one. What do you think of this trade-off? Would you rather make money or find enjoyment at work? Full episode - E145: Business Advice From Robbie Knox, Harry Hugo, Chris Kubby & More
Lloyd shares a valuable insight about the dangers of comparing oneself to others, using humorous examples to drive the point home. By highlighting that people often showcase only their best aspects on social media, he encourages listeners to avoid comparing their entire lives to others' highlight reels. Full episode - E154: The Happiness Blueprint: 4 Simple Actions To Make You Happier Today
Thanks for tuning in to this Friday edition of RealAg Radio. Host Shaun Haney is joined by Kelvin Heppner of RealAgriculture and Meagan Murdoch of Hill & Knowlton for the RealAg Issues Panel. They discuss a number of topics including: New rising unemployment numbers; The Trudeau Liberals’ strategy ahead of the upcoming federal budget; and,... Read More
Thanks for tuning in to this Friday edition of RealAg Radio. Host Shaun Haney is joined by Kelvin Heppner of RealAgriculture and Meagan Murdoch of Hill & Knowlton for the RealAg Issues Panel. They discuss a number of topics including: New rising unemployment numbers; The Trudeau Liberals’ strategy ahead of the upcoming federal budget; and,... Read More
Dan and Lloyd discuss the dilemma of honesty versus sustenance at work, debating whether they'd rather never lie or never eat on the job. They think about how these choices could affect how they communicate and how satisfied they feel professionally. As they talk it through, they reflect on how to stay true to themselves while handling the pressures of work.Full episode - E145: Business Advice From Robbie Knox, Harry Hugo, Chris Kubby & More
Today's episode of the podcast is an interview with the very funny and very clever Dan Knowlton, where we chat about all things business, marketing and public speaking. This episode is not only filled with some really valuable and practical tips and advice, it also has some funny stories and lots of laughs in it too - and I know you will love it! KEY TAKEAWAYS COVERED IN THE PODCAST Marketing strategies that have worked for Knowlton Tips and advice for pitching to big brands Techniques to overcome fear and impostor syndrome in public speaking Dan is the Co-Founder of Knowlton, a business that he started with his brother back in 2015. Knowlton is a creative video and social media marketing agency based in Kent, UK, and they are on a mission to rid the world of crap marketing! Knowlton help businesses to generate a trackable ROI from their marketing with their creative social media management and thumb-stopping marketing campaigns. They've generated millions in trackable sales for some of the world's leading brands like Wahl, Buy Whole Foods Online, Boston Consulting Group, and BBC Storyworks! If you enjoyed this episode then please feel free to go and share it on your social media or head over to iTunes and give me a review, I would be so very grateful. LINKS TO RESOURCES MENTIONED IN TODAY'S EPISODE Connect with Dan on LinkedIn Check out the Knowlton website Watch the Steven Bartlett parody video Connect with Teresa on Instagram, LinkedIn or Facebook
On the final episode of the season, Athletic Director Jim Knowlton discusses the transition to the ACC, future of college athletics, NIL, and spring sports. Transcription available here: https://drive.google.com/file/d/1HoEQMQHTLJEDVdCmg3wEWPAdp-mfSpMk/view?usp=share_linkSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
PREPARING OUR HEART FOR WHAT GOD HAS ALREADY DONE FOR US.
In this episode, podcast host, Dr. Da Knowlton and his guest, Dr. David Sharp, talk more about the challenges of grading in a higher education setting. Among other anecdotes, Da shares how he has completely cast grades into irrelevance in his courses. David discusses his approach to accounting for unclear test questions. In the latter part of this episode, both Da and David share their approach to discussing grades with their children.
I'm sitting down with Lindsay Knowlton, the powerhouse behind Iron Lady Golf, to learn about her journey of success from college athletics to entrepreneurship. Listen in as Lindsay goes down memory lane, reflecting on the spark of an idea that came to her from a simple lunch and learn session, which eventually blossomed into a full-fledged community. Today, Iron Lady Golf offers women golf retreats, leagues, and a powerful sense of belonging in the male-dominated world of golf. Lindsay talks about how her coaching philosophy evolved along with her conscious choice to step back from competitive golf, making way for a stronger focus on fostering a nurturing environment for women golfers. We also discuss the importance of structured practice, specifically in refining one's short game with the innovative Short Game 100 program. Plus, get a sneak peek into the logistics of planning international business trips amidst personal milestones like expecting a baby, the art of delegation, and tackling tough business conversations. About Lindsay Knowlton: Lindsay Knowlton is a PGA of Canada Class A Professional, Taylormade Golf Advisory Board Member, and Ontario Golf Association Ambassador with a long history in golf. After years of competitive golf, Lindsay moved into the corporate workforce realizing that she wanted to help more women say "yes” to the golf invitations they were getting (for work, to play with family, friends etc). She started Iron Lady Golf to help empower women and build their confidence out on the golf course. To date, Iron Lady Golf has taught over 20,000 women how to play golf. Connect with Lindsay Iron Lady Golf Instagram Don't forget about the T-Time Swag Giveaway! To enter into this weekly giveaway, please share about the episode you are listening to on your Instagram or Facebook stories and give the show a rating and review on your favorite podcast platform. We will be picking a winner every Friday! For more information on the California Crush Invitational, please visit CaliforniaCrushInvitational.com. To download a free copy of the Round Report Card, visit RoundReportCard.com. For instant access to the Short Game 100 program, visit ShortGame100.com. For more information about all our women's golf events, including the Desert Classic, please visit: CompeteConfidenceGolf.com Subscribe to our FREE Female Golfer Facebook Group: First T Crew [Behind the Scenes of Women's Golf] Get in touch! Instagram: @tori_totlis TikTok: @tori_totlis YouTube: @tori.totlis Website: CompeteConfidenceGolf.com
When you have a hereditary disorder, it can feel like an inevitable outcome for your children. Ashley Knowlton wonders if there's anything she can do about it.
COME SEE US AT THE TORONTO SPORTSMEN'S SHOW!This year, at the International Centre, the entire Outdoor Journal Radio and Fish'n Canada crew will be on-site, meeting listeners and doing live podcasts from our booth. Tickets are on sale now and listeners of our show can get 15% off by using the link below:https://secure.masterpromotions.ca/tickets/?event=100050&fishncanada-----------------------------------------------------------------------------This week on Outdoor Journal Radio, Ang and Pete are joined by world traveller, author, and avid outdoorsman, Ridr Knowlton to get a "client's" perspective on the world of guiding.First, however, a bit of housekeeping was in order. Topics discussed included: goose calls; the method to our madness; finding beach gold; CWD in BC; and social media's influence on the outdoors.With those matters out of the way, Ridr joins the show! Topics discussed included: the deep south; the outdoor writing process; America's fascination with Canada; learning to appreciate all outdoor experiences; southern-style hunting; sustenance fishing; why size doesn't matter; the gator hunting dress code; taking your mule to the bar; muskie on the fly; how to find a good guide; and much more!To never miss an episode of Outdoor Journal Radio, be sure to like, subscribe, and leave a review on your favourite podcast app!More from Angelo and Pete:► WEBSITE► FACEBOOK► INSTAGRAM► YOUTUBEBUY: The Guides: A Collection of Untamed StoriesThank you to today's sponsors!Invasive Species Centre - Protecting Canada's land and water from invasive speciesColeman Canada - The Outside is Calling, Answer the Call.CANADIAN ANGLERS: Outdoor Journal Radio and the Invasive Species Centre are looking for your help in getting information about our invasive Goldfish population. Fill out the quick survey to help us keep our waters safe from invasive species!
Welcome back to the show. Today the microphones are flipped and I am in the hot seat as a guest on Cheryl Knowlton's Command Performances podcast. Cheryl is a public speaker and a public speaking coach, real estate coach and a ton of other energetic things. She grills me and gets me to tell my story into podcasting and real estate and the big life changes I have made over the past five years. It's always nice to be on the other side of the mic. #CherylKnowlton #CherylKnows #CommandPerformancesPodcast
This is a free preview of a paid episode. To hear more, visit public.substack.comRope, not the wind industry, killed the critically endangered North Atlantic right whale found dead last Monday, claim scientific organizations, the US government, and the news media. “This case highlights the ongoing threat right whales and other whale species have been facing from fishing gear entanglements for decades,” said Amy Knowlton of the New England Aquarium, which is working with the North Atlantic Oceanic and Atmospheric Administration (NOAA) to identify the cause of death.But neither Knowlton nor anyone else knows if the rope killed the three-year-old female whale, who is known only as “5120.” Whales can live long lives with a rope embedded in their bodies. Indeed, nearly 90 percent of right whales have been entangled in rope at least once, and others as often as nine times. This young whale was first observed to have rope around her tail in August 2022.It's true that, in the past, rope entanglements were the primary cause of death for North Atlantic right whales, and late today, NOAA reported that “The necropsy showed no evidence of blunt force trauma.”But NOAA did not address whether high-decibel sonar, measured at illegal levels last year, played a role. Nor did NOAA establish a cause of death. “Cause of death is pending further histological and diagnostic testing of collected samples, which can take weeks to complete.As such, it is inappropriate for the New England Aquarium, which is participating in NOAA's investigation of the cause of the whale's death, to suggest that rope entanglement killed the whale before NOAA has completed its investigation.And this is particularly inappropriate since the threats to the whales have increased as boat traffic related to offshore wind development increased.
Patrick Knowlton eye witness in Vince Foster death returns to discuss his personal experiences with Bret Kavanaugh and how Kavanaugh covered up Foster investigation.Part 2 is The Martyrdom of Thomas Merton: An InvestigationSeldom can one predict that a book will have an effect on history, but this is such a work. Merton's many biographers and the American press now say unanimously that he died from accidental electrocution. From a careful examination of the official record, including crime scene photographs that the authors have found that the investigating police in Thailand never saw, and from reading the letters of witnesses, they have discovered that the accidental electrocution conclusion is totally false. The widely repeated story that Merton had taken a shower and was therefore wet when he touched a lethal faulty fan was made up several years after the event and is completely contradicted by the evidence.
Patrick Knowlton: Vince Foster WitnessPatrick Knowlton, a lifelong Democrat who voted for Bill Clinton in 1992, stopped in Fort Marcy Park to relieve his bladder just hours before White House Deputy Counsel Vincent Foster's body was found. Little did he know that his life would never be same.Knowlton saw another car with Arkansas license plates in the parking lot, but not Foster's. He also was alarmed by the menacing-looking occupant of that vehicle.However, Knowlton's statement was completely misrepresented by the FBI. When he went public with his protests, strange things started happening around Knowlton. He experienced systematic harassment on the street witnessed by two reporters. When he was called before Independent Counsel Kenneth Starr's grand jury, he was pummeled by the prosecutor.
Robert Kennedy, III speaks with Cheryl Knowlton, CSP on burnout in the speaking business. Cheryl shares insights and strategies to recognize and address burnout, emphasizing the importance of self-care for speakers. In this episode, you will learn: Self-Care is Crucial: Speakers are the product they sell, making self-care essential. The SWEET framework serves as a guide to maintaining optimal physical and mental well-being. Recognizing Burnout Signals: Cheryl encourages speakers to be self-aware and regularly assess their feelings and commitments. Recognizing shifts in enthusiasm, energy levels, and joy can help identify potential burnout. It's crucial to distinguish between genuine disinterest and burnout. Support Systems Matter: Having a support system, such as a mindset coach, is highlighted as an invaluable resource. The importance of seeking help, whether personally or professionally, is emphasized to navigate challenges, prevent burnout, and foster personal growth. Answer our Question! Head over to www.Speakernomics.com/voicemail and leave us a voicemail answering our question and we may use your recording on an upcoming episode of Speakernomics! Question: Where is your burnout coming from? Who is Cheryl Knowlton, CSP? As the CEO and Chief Energy Officer of Dynamite Productions, Cheryl specializes in enthusiastically empowering excellence by consistently delivered highly engaging, timely, and relevant tools to help today's real estate professional raise the bar – in business and in life. As a national real estate educator, broker, coach, author, podcast host, and 23+ year veteran of the real estate and mortgage industries, Cheryl is obsessed with helping real estate agents grow in confidence and competence to become powerfully relevant in today's marketplace and win in any market. Cheryl ensures that real estate professionals leave with the practical tools they need to hit the ground running and experience explosive growth and success in their careers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Believe it or not, documentary filmmaking has lots in common with traditional narrative feature filmmaking...tune in today to learn why, with two award-winning documentarians! TO SEE MONIQUE'S DOC (screening this week!): https://www.birthingjustice.com/screenings/ FOR MORE ON LINDA: https://ladylikefilms.com/ TO JOIN OUR PATREON: www.patreon.com/thescreenwritinglifea